Error code 70000 signifies that a payment transaction has been declined by the customer's bank.
This specific code is commonly associated with payment gateway or processing systems and indicates that while the transaction reached the bank for authorization, the bank did not approve it.
Understanding Error Code 70000
As per the provided reference, if the error code is “70000”, this indicates a payment was declined by your bank. This means the issue lies with the cardholder's bank or the card itself, not necessarily with the merchant's payment system or the payment gateway directly.
Here's a breakdown:
- Code: 70000
- Meaning: Payment Declined by Bank
- Source of Issue: The customer's issuing bank.
Potential Reasons for a Bank Decline
While the exact reason for the decline is held by the customer's bank and often not detailed in the error code itself, common causes for a bank decline include:
- Insufficient funds in the account.
- The card is expired or cancelled.
- The cardholder's address verification (AVS) information does not match.
- Suspicion of fraudulent activity by the bank.
- Bank-specific restrictions or limits.
- Incorrect card details entered by the customer (though some systems might catch this earlier).
Recommended Actions
When a transaction returns error code 70000, the reference recommends a clear course of action:
- Show an Error Message: Display a clear message to the customer indicating that their payment was declined by their bank. Avoid technical jargon like "error code 70000" in the customer-facing message. A simple message like "Your payment was declined by your bank. Please check your card details or try another payment method." is usually sufficient.
- Allow Alternative Payment Methods: Provide the customer with the option to try the payment again (after checking their details) or to use a different payment method (e.g., another card, PayPal, etc.).
Practical Steps for Customers
If a customer encounters this error, they should:
- Verify their card number, expiration date, and CVV.
- Check their billing address matches the one on file with their bank.
- Ensure they have sufficient funds or credit available.
- Contact their bank directly to inquire about the reason for the decline.
Table Summary
| Error Code | Description | Source of Issue | Recommended Action |
|---|---|---|---|
| 70000 | Payment Declined by Bank | Cardholder's Bank | Inform customer, suggest trying again or using another method |
Understanding and properly handling error code 70000 is crucial for a smooth customer experience, guiding them toward resolving the issue directly with their bank or offering alternative payment solutions.
