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.
Why does code 30 occur?
- Malformed authorization message (missing or invalid fields)
- Incorrect currency code or amount format
- Gateway sending incompatible transaction format to acquirer
- Terminal software needs updating
Can this transaction be retried?
Yes, code 30 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
Check your payment gateway configuration and ensure all required fields are properly formatted (card number length, expiry format, amount format, currency code). Contact your payment processor if the error persists.
What cardholders should do
This error is not related to your card. The merchant's payment system has a configuration issue. Try again, or ask the merchant to process the transaction differently.
Code 30 at a glance
Response Code
30
Name
Format Error
Category
soft decline
Retryable
Yes — after delay
Related Decline Codes
Error
A general processing error occurred during the transaction. The issuer or network encountered an unspecified error that prevented the transaction from completing.
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.
Re-enter Transaction
A temporary error occurred during processing and the issuer is requesting that the transaction be resubmitted. This is not a decline due to card or account issues.
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Find a SWIFT codeDecline Code 30 FAQ
Frequently asked questions about decline code 30: Format Error.