Invalid Amount
The transaction amount is invalid — it may be zero, negative, exceed per-transaction limits, or contain formatting errors in the authorization message.
Why does code 13 occur?
- Amount exceeds per-transaction limit set by issuer
- Zero or negative amount submitted in authorization request
- Currency formatting error (e.g., $1.00 sent as 1 instead of 100 minor units)
- Amount exceeds maximum allowed by card network for this MCC
Can this transaction be retried?
No, code 13 is a hard decline and should not be retried. The underlying issue is permanent and the same card details will continue to be declined. Ask the customer for an alternative payment method.
What merchants should do
Verify the transaction amount is correct, non-zero, and within valid ranges. Check for currency formatting issues (e.g., wrong decimal placement or minor units). Resubmit with a corrected amount.
What cardholders should do
The transaction amount may exceed your single-transaction limit. Try a smaller amount or contact your bank to adjust your limits.
Code 13 at a glance
Response Code
13
Name
Invalid Amount
Category
hard decline
Retryable
No
Related Decline Codes
Exceeds Withdrawal Limit
The transaction amount exceeds the cardholder's daily spending limit, per-transaction limit, or periodic withdrawal limit set by the issuing bank.
Activity Count Limit Exceeded
The cardholder has exceeded the maximum number of transactions allowed within a specific time period (velocity limit). This is a fraud prevention measure.
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Find a SWIFT codeDecline Code 13 FAQ
Frequently asked questions about decline code 13: Invalid Amount.