Incorrect PIN
The PIN entered does not match the one on file with the issuing bank. This applies to PIN-based debit transactions and ATM withdrawals.
Why does code 55 occur?
- Mistyped PIN on the keypad
- Forgotten PIN
- New card with a different PIN that the cardholder hasn't memorized
- PIN changed remotely but cardholder not aware
Can this transaction be retried?
Yes, code 55 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
Ask the customer to re-enter their PIN carefully. After multiple failed attempts (typically 3), the card will be locked and the customer must contact their bank. Offer a signature-based transaction if possible.
What cardholders should do
Try entering your PIN again carefully. If you forgot your PIN, do not guess repeatedly — contact your bank to reset it. Too many incorrect attempts will lock your card.
Code 55 at a glance
Response Code
55
Name
Incorrect PIN
Category
soft decline
Retryable
Yes — after delay
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.
Decline Code 55 FAQ
Frequently asked questions about decline code 55: Incorrect PIN.