Invalid Card Number
The card number (PAN) does not correspond to any known card in the issuer's system. The number may have been entered incorrectly, or the card may have been replaced with a new number.
Why does code 14 occur?
- Typographical error in card number entry
- Card was replaced and old number is no longer valid
- Test card number used in a production environment
- Luhn check failure — number is not mathematically valid
Can this transaction be retried?
No, code 14 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
Ask the customer to re-enter their card number carefully. Run a Luhn check on your side before submitting. If this is a stored card, the number may have changed — use an account updater service.
What cardholders should do
Double-check your card number and try again. If you recently received a replacement card, the number may have changed. Use the new card.
Code 14 at a glance
Response Code
14
Name
Invalid Card Number
Category
hard decline
Retryable
No
Related Decline Codes
Invalid Issuer
The card number prefix (BIN/IIN) does not match any known issuing bank in the card network's routing tables. The network cannot route the authorization request.
Expired Card
The card has passed its expiration date and can no longer be used for transactions. The issuer has likely sent a replacement card with a new expiration date.
CVV2/CVC2 Mismatch
The card verification value (CVV2 for Visa, CVC2 for Mastercard) entered does not match the value on file with the issuing bank. The 3 or 4-digit security code was incorrect.
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.
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Find a SWIFT codeDecline Code 14 FAQ
Frequently asked questions about decline code 14: Invalid Card Number.