Decline Code 05: What It Means & How to Fix It

If you’ve ever had a card transaction denied with the message “Do Not Honor,” you’ve likely encountered decline code 05. This common credit card decline code can be frustrating — but knowing what it means and how to address it can help both merchants and customers avoid lost sales.

What is Decline Code 05?

Decline code 05 translates to “Do Not Honor.” This generic response comes directly from the cardholder’s issuing bank, and it typically signals that the bank is refusing to authorize the transaction — but without providing specific details.

Why Was the Card Declined?

There are many possible reasons why a card may return a 05 decline code:

• Suspicious activity or suspected fraud
• Expired card or blocked card
• Incorrect billing information entered
• Bank security protocols triggered
• Card issuer placed a temporary block

Since it’s a vague message, it can be difficult for merchants to determine the exact cause. That’s why the cardholder usually must contact their bank directly.

What Should Merchants Do?

As a merchant, you should avoid retrying the same transaction multiple times. Instead, suggest the customer try:

• Another card or payment method
• Contacting their bank for clarification
• Double-checking their billing address and card details

If your terminal or payment gateway supports it, you could attempt a voice authorization with the card issuer — but this requires extra steps and may not guarantee approval.

What Should Customers Do?

If you’re a customer receiving a 05 error, contact your bank immediately using the number on the back of your card. Let them know where and when you’re trying to make a purchase. Often, a quick call can lift the hold or clarify why your payment is being declined.

Final Thoughts

Decline code 05 can be frustrating, but it’s often a simple fix. For merchants, understanding what this code means helps prevent repeat errors and chargebacks. For customers, a quick call to the bank usually solves the issue.