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.
Why does code N7 occur?
- Mistyped CVV/CVC security code
- Using the CVV from an old or expired card
- Virtual card with a dynamic CVV that has rotated
- Card-on-file with outdated CVV after card replacement
Can this transaction be retried?
Yes, code N7 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 the CVV/CVC code from the back of their physical card (or front for Amex). Do not store CVV values — they must be entered fresh each time. Consider this a potential fraud indicator if it happens repeatedly.
What cardholders should do
Check the 3-digit code on the back of your Visa/Mastercard (or 4-digit code on the front of your Amex) and re-enter it carefully. If you're using a virtual card, check your banking app for the current CVV.
Code N7 at a glance
Response Code
N7
Name
CVV2/CVC2 Mismatch
Category
soft decline
Retryable
Yes — after delay
Related Decline Codes
Security Violation
A security violation has been detected during the transaction. This can indicate a tampered card, encryption failure, or a mismatch in security credentials.
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.
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Find a SWIFT codeDecline Code N7 FAQ
Frequently asked questions about decline code N7: CVV2/CVC2 Mismatch.