Refer to Issuer
The issuing bank has flagged the transaction for review. The cardholder should contact their bank to authorize or clarify the transaction.
Why does code 01 occur?
- Unusual spending pattern detected by fraud monitoring
- Transaction flagged for manual review
- Bank requires verbal confirmation for high-value purchase
- First-time transaction at an unfamiliar merchant category
Can this transaction be retried?
Code 01 is a soft decline, but it is not automatically retryable. The cardholder typically needs to take action (such as contacting their bank) before the transaction can succeed. Do not retry automatically — wait for the cardholder to resolve the underlying issue.
What merchants should do
Ask the customer to contact their bank and retry the transaction. Do not retry automatically — the issuer wants to speak to the cardholder directly.
What cardholders should do
Call the number on the back of your card and ask your bank to approve the transaction. Once resolved, retry the purchase.
Code 01 at a glance
Response Code
01
Name
Refer to Issuer
Category
soft decline
Retryable
No
Related Decline Codes
Refer to Issuer (Special)
Similar to code 01, but the issuer requires a special condition to be met — such as identity verification or account confirmation — before the transaction can proceed.
Do Not Honor
The issuing bank has declined the transaction without specifying a detailed reason. This is the single most common decline code, accounting for a large share of all card declines across the industry.
Contact Card Issuer
The issuing bank requires the cardholder to contact them before this transaction or any further transactions can proceed. The bank may need to verify identity, confirm activity, or update account information.
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Find a SWIFT codeDecline Code 01 FAQ
Frequently asked questions about decline code 01: Refer to Issuer.