Apr 18, 2025credit card decline code 05 is a message you receive from the customer’s credit card issuing bank. Jul 7, 2025a decline code 05 is a formal way of a bank saying a credit card transaction was denied. Oct 4, 2025below is a list of the card decline codes that may appear if a processor determines that a transaction cannot be processed.
Declined – duplicate transactionthe same transaction amount, invoice number and credit card charge account has been attempted within the last 10 minutes. It doesn’t mean the card is fake or the customer is.