Error
A general processing error occurred during the transaction. The issuer or network encountered an unspecified error that prevented the transaction from completing.
Why does code 06 occur?
- Temporary processing error at issuer or network
- Communication failure between acquirer and network
- Gateway timeout or malformed request
- Issuer system returning a generic error
Can this transaction be retried?
Yes, code 06 is a soft, retryable decline. You can retry the transaction after a delay of 24-48 hours. Card networks typically allow up to 15 retries (Visa) or 10 retries (Mastercard) per billing cycle for soft declines. Use exponential backoff to space out retries.
What merchants should do
Retry the transaction after a short delay. If it fails again, ask the customer for an alternative payment method. Check your gateway configuration if this error occurs frequently.
What cardholders should do
This is typically a temporary processing issue. Wait a moment and try your purchase again. If it continues, try a different card or contact your bank.
Code 06 at a glance
Response Code
06
Name
Error
Category
soft decline
Retryable
Yes — after delay
Related Decline Codes
Invalid Transaction
The transaction type is not supported or not allowed for this card. The card may not be configured for the type of purchase attempted, or the request format is incorrect.
Format Error
The authorization message contains a formatting error that prevents the issuer from processing it. This is typically a merchant-side or gateway configuration issue, not a cardholder problem.
System Malfunction
A system error has occurred somewhere in the payment processing chain — at the processor, network, or issuer. This is a temporary technical failure unrelated to the card or account.
More tools for payment teams
Free utilities built on the same data that powers Fyatu's card issuing platform. No sign-up, no rate limits.
BIN Checker
Look up any card BIN (Bank Identification Number) to find the card brand, type, issuing bank, and country.
Look up a BINCurrency Converter
Convert between 150+ world currencies with live exchange rates. Free, fast, and always up to date.
Convert currencySWIFT/BIC Lookup
Look up bank details from a SWIFT/BIC code or search by bank name to find the right code for international transfers.
Find a SWIFT codeDecline Code 06 FAQ
Frequently asked questions about decline code 06: Error.