Question about billing - decline reasons
 

I've been going through the process of using a secondary biller for rebill attempts. As I look closer I've noticed my declines for particular members start as Do Not Honor (05), and mysteriously switch to Invalid Card Number (37).

Any ideas? Wouldn't it just keep going as 05 decline and if closed card, lost, stolen, come back as one of those reasons?

Do Not Honor mean issuer declined. Invalid card number mean card holder cancelled card thats why card number become invalid.

Wouldn't it come back account closed? Or the majority come back like that?

Not all issuers respond with consistent codes either.

Do Not Honor is a very comon reason when transaction declined by issuer. If account closed its comes back as invalid card number

That solves that. I wonder if I'm the reason they close their account. My gateway is like from the 90's and offers no services like retry failed or card updater. They do not auto cancel cards and I didn't cancel failed because since 2016 I've been trying to get my members to a gateway that can. So cards just keep billing with do not honor and I see lots switch to card not valid. After around 200 emails and several failed attempts, I got all my members to authorize and many fail because invalid.

DNH is not only the most common bank decline, but I've read a good amount of them also are just NSF's being misreported.

Going to see a lot more of this with covid-19.

true! :thumbsup

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