What Does a "Do Not Honour" Refusal Code Mean?

What is a "Do Not Honour" refusal code?

The "Do Not Honour" code is a generic decline message that the issuing bank sends to a business during a transaction. It indicates that the bank is unwilling to approve the transaction. Unfortunately, this code doesn't provide specific details about why the transaction was declined, so the cardholder needs to contact their bank to find out the exact reason.

Why might a transaction be declined with a "Do Not Honour" code?

There are several potential reasons why a bank might decline a transaction with this code:

• Insufficient Funds: If the customer's account doesn't have enough funds to cover the transaction, the bank may issue a "Do Not Honour" code.
• Suspicious Activity: Banks use fraud detection systems to monitor unusual activity. If a transaction seems suspicious (e.g., a purchase made abroad without prior notice), the bank may decline it to protect the cardholder.
• Exceeding Daily Limit: Many cards have daily spending limits. If a transaction causes the cardholder to exceed their limit, the bank may decline it with a "Do Not Honour" code.
• Incorrect Card Details: Entering incorrect card numbers, expiration dates, or CVV codes can lead to a declined transaction.
• Other Account Issues: Issues such as using a closed account, an inactive card, or a card that hasn’t been activated can also trigger this code.

What should I do if my transaction is declined with a "Do Not Honour" code?

If you encounter this code, here's what you can do to resolve the issue:

1. Contact Your Bank: The first and most effective step is to call your bank directly. They can provide specific details about why the transaction was declined and guide you on how to resolve the issue.
2. Check Your Account Balance: Make sure there are sufficient funds in your account to cover the purchase.
3. Verify Card Details: Double-check that all entered card information is correct, including the card number, expiration date, and CVV.
4. Consider Security Alerts: If you're traveling or making a large purchase, inform your bank ahead of time to avoid triggering fraud alerts.
5. Try Again Later or Use Another Payment Method: If possible, use a different card or payment method to complete the transaction.

Can ArtMajeur help me resolve this issue?

While ArtMajeur does not have the ability to override a "DO NOT HONOR" response from your bank, our customer support team can assist you in exploring alternative payment options. Feel free to contact us for assistance.

Is this issue related to ArtMajeur's website security?

No, this error code is not related to the security of ArtMajeur's website. It is a response generated by your bank's system. Rest assured that our website uses industry-standard security measures to protect your payment information.

Will attempting the transaction again solve the issue?

It might, but if you continue to receive the "DO NOT HONOR" error, it's best to contact your bank directly to understand the reason behind the decline. Multiple attempts without understanding the issue may lead to further account restrictions or flags from your bank's fraud detection system.