---
title: Credit Card Processing Errors
description: "Here is a list of error messages you may run into and what they mean:   Invalid Service Code 62 - Indicates the card being used has a restriction on the MCC (Merchant Category Code) set up for the com"
---

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# Credit Card Processing Errors

## Common decline reasons and how to resolve them when processing payments in PDCflow.

Error Code Guide

**Invalid Service Code 62**  
The card has restrictions on your Merchant Category Code (MCC). Ask the customer to use a different card.

**Code 19**  
The card type doesn't match the service (ex: HSA card for non-medical purchase). Customer needs a different card type.

**Code 57 - Merchant Does Not Support This Card Type**  
Your merchant account doesn't accept this card (ex: Visa gift cards). Try a standard credit/debit card.

**Do Not Honor**  
The issuing bank declined the transaction. Customer must contact their bank for the specific reason.

**Voice Authentication Error**  
Your Merchant Service Provider (MSP) needs more info.

- **Newtek**: Call 800-228-1122
- **Other MSP**: Use number on your statement  
  **Have ready**: Merchant ID (bottom of MSP statement) + payment details. Call us with post-auth # to complete.

**Payment Card Encryption/Decryption Failure**  
Rare technical issue with our encryption service (only during system updates). Contact support.

**Card Expired**  
Expiration date has passed or was entered incorrectly. Verify date or use different card.

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Email our Customer Success team at [support@pdcflow.com](mailto:support@pdcflow.com).

 

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