receiving a decline code 57 message

Why Am I Receiving a Decline Code 57 Message?

You know how frustrating it can be if you’ve ever been in the middle of an online purchase only to receive a Decline Code 57 message. Have you ever wondered what does this decline code 57 mean? Understanding this code’s meaning is essential to fixing the problem and making sure it doesn’t happen again.

This article will explain why a Decline Code 57 might appear when conducting an online transaction and what measures can be taken to avoid this code.

What Is Decline Code 57?

Decline code 57 is an error message that appears when a customer’s debit or credit card is declined for payment. It typically occurs when the issuing bank does not allow the transaction to be processed due to insufficient funds, incorrect expiration date, or other reasons. This decline code can happen even if there are enough funds in the customer’s account. 

This could also be due to suspected fraud or other issues within the cardholder’s account. In some cases, customers may need to contact their issuing bank directly to resolve this issue and make regular payments with their debit/credit cards. Customers should also keep track of any transactions they have attempted with their cards; this will help them promptly identify any suspicious activity and report it to their issuing banks.

Common Reasons for Receiving Decline Code 57

Decline code 57 is a frustrating error message that may appear when you attempt to purchase with your credit card. 

Suppose you’re wondering why you are getting a decline code 57. In that case, there are several possible reasons. It is essential to understand all potential causes and solutions for declining code 57 to prevent future issues and ensure customers have a smooth checkout experience. The most common reasons for this error are mentioned below:

  1. Incorrect Account Information

The most frequent cause of receiving decline code 57 is incorrect account information. For example, entering a wrong card number or the expiration date can generate this code and prevent the transaction from going through. 

Additionally, if a customer has recently moved and their address information is outdated, it may also create this response from their financial institution. To avoid this problem, customers should ensure that all account information is accurate and up-to-date before attempting any purchase or payment.

  1. The Available Balance Is Lower Than the Amount Requested

Decline code 57 is a standard error code issued by banks when the available balance in a customer’s account is lower than the Amount requested. This code often appears when customers attempt to make payments or withdrawals that exceed their current funds and typically indicates an account overdraft.

This could be due to recent spending or because pre-authorized payments have been taken from the customer’s account without them being aware. 

  1. Expiration Date

One of the primary causes for this error is expiration date mismatches. The expiration date is a vital part of a customer’s credit or debit card, and it must match the exact format provided by their financial institution for payments to be processed successfully. If the expiration date doesn’t check what’s on file, then customers may receive a decline code 57 when trying to complete purchases. 

To avoid this problem, customers should double-check their cards’ expiration dates before entering them into payment forms online or at physical retail stores.

  1. Fraudulent Activity

This code usually indicates that the bank has flagged the transaction as potentially fraudulent. As such, it’s essential to understand why this might occur.

 A few common reasons for receiving decline code 57 are suspicious card details, mismatched billing addresses, or an attempt to use multiple cards from different banks for a single purchase. Banks often flag the transaction due to their anti-fraud protocols in these cases.

How to Resolve Your Credit Card Decline Code 57

If you’ve ever had your credit card declined and received a code 57, you know the frustration of not being able to purchase what you need. Fortunately, resolving this issue is often easier than it seems. 

Fortunately, there are some simple steps to get rid of decline code 57 and get back to using your card as usual. 

  1. First, contact your credit card issuer immediately by phone or online customer service to discuss why the transaction was flagged and declined. You may be asked for information such as recent purchases made with the card, if there have been any changes in address or bank accounts associated with that account, and whether any suspicious activities have been reported on the account recently. Once these questions have been answered satisfactorily, the customer service representative may ask you to provide additional identification information before approving a new purchase.
  1. The next step in resolving decline code 57 is to check if any recent fraudulent activity has occurred on your account or if a merchant has flagged an unusual purchase. If either of these scenarios is true, then it’s essential to ensure they are addressed as soon as possible to prevent further declines.
  1. Finally, step 3 is resolving the issue and ensuring that future transactions go through without trouble. Double-check that all details are correct when entering them at checkout. With these steps taken, you should be able to complete your purchase in no time!

Conclusion:

A decline code 57 message indicates that the customer’s issuer has declined their payment. It can occur for several reasons, such as insufficient funds, incorrect card information, or an expired card. Although it can be inconvenient, as a customer, it is essential to understand what a decline code 57 message means and how it affects you. If you receive an error message with this code, you will need to contact your bank or credit card issuer to resolve the issue, determine the cause of the decline, and work toward a resolution. Sometimes, they may require additional documentation or verification before processing the transaction.

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