unlimited/processing
Sign inBook a call →
Decline code · 05

Decline code 05: Do Not Honor

The card's bank declined the payment without giving a reason. It's the most common decline.

unlimitedprocessing.com · decline check
ISO 05
Do Not Honor
Temporary (soft)
Save on another gateway?
✓ Yes — recoverable on another gateway
What to do now
  • Let your cascade try the next gateway in the same session.
  • If it keeps failing on the same card, ask the buyer to contact their bank.
The same decline elsewhere
Stripedo_not_honor
NMI201 · Do not honor
Adyen2 · Refused
Authorize.netnot verified yet

This decline is often recoverable. With a cascade, this payment would have been retried on your next gateway, in the same session.

See how cascading works →Book a 15-min call
Soft declines move on. Fraud and stolen cards never do. At most 10 declines per card every 24 hours.
← Check any decline code
Source: official card-network / ISO 8583 response codes and each processor’s documentation. Routing rules: Unlimited Processing. Updated 2026-11-09.