Common Decline Codes in
RBC NextLogic™
RBC Commercial Cards Program
If a cardholder’s transaction is declined, one of the following decline codes will appear, along with the
Authorization Information, within the RBC NextLogic Card Management module.
If the decline code is not on this list or you require assistance, please contact Commercial Cards Client Support
at 1-877-334-9938 or ask the cardholder to call 1-888-769-2534.
Decline Codes Explanation and Action Required
9024 – DECLINED DUE TO The transaction has been declined due to Visa Payment Controls in place on your card by
VISA PAYMENTS your Program Administrator.
CONTROLS Kindly contact your Program Administrator for more details.
0134 – C
ARD ACTIVATION/ The card has not been activated by the cardholder. Please advise the cardholder to contact
CRV STATUS 1-888-769-2575 to activate their card.
0805 – ACCOUNT SPL The transaction has been declined because the transaction amount exceeds the maximum
LIMIT EXCEEDED limit a cardholder can spend on one purchase (Decline Code 0805) or at a Merchant
Category Code group (Decline Code 0808). E.g., the cardholder has a spend control
0808 – MCC SPL set for a maximum of $100 per transaction and tries to make a purchase for $120.
EXCEEDED
Action Required: If you wish to change or remove the spend control:
¡ Navigate to the RBC NextLogic Card Management module
¡ Select the Card Management tab
¡ Click Edit Card Account
¡ S
elect the check box next to ‘Authorization Data’ to update spend controls on the card
account (Decline Code 0805) or select the check box next to the Merchant Category
Code (MCC) group (Decline Code 0808) you wish to edit. The next screen will allow you
to update the spend control values
¡ F
or step-by-step instructions, please view the Create a Card training video located in the
Commercial Cards Service Centre’s Training Library
0814 – ACCOUNT NUMBER The transaction has been declined because the cardholder has reached their maximum
LIMIT EXCEEDED number of authorized transactions based on the spend control limit (e.g., based on daily
or monthly frequency, Decline Code 0814) or based on Merchant Category Code group
0817 – INDIVIDUAL MCCG (Decline Code 0817). E.g., the cardholder has a spend control set for a maximum of
NUMBER LIMIT 5 transactions per week in the VOYAGE Merchant Category Code group and tries to
EXCEEDED make a 6th purchase during the week.
Action Required: If you wish to change or remove the spend control:
¡ Navigate to the RBC NextLogic Card Management module
¡ Select the Card Management tab
¡ Click Edit Card Account
¡ S
elect the check box next to ‘Authorization Data’ to update spend controls on the card
account (Decline Code 0814) or select the check box next to the Merchant Category Code
group (Decline Code 0817) you wish to edit. The next screen will allow you to update the
spend control values
¡ F
or step-by-step instruction, please view the Create a Card training video located in the
Commercial Cards Service Centre’s Training Library
Decline Codes Explanation and Action Required
0813 – ACCOUNT AMOUNT The transaction has been declined because the cardholder’s total transaction amounts
LIMIT EXCEEDED exceed the spend limit control (Decline Code 0813) or the Merchant Category Code group
control Code 0818 and 0820). E.g., the cardholder has a spend control set for a maximum of
0818 – INDIVIDUAL MCCG $1,000 per statement cycle and the cardholder with a current balance of $800 tries to make
AMOUNT LIMIT a purchase for $500.
EXCEEDED Action Required: If you wish to change or remove the spend control:
¡ Navigate to the RBC NextLogic Card Management module
0820 – I NDIVIDUAL MCCG
AMOUNT LIMIT ¡ Select the Card Management tab
EXCEEDED ¡ Click Edit Card Account
¡ S
elect the check box next to ‘Authorization Data’ to update spend controls on the card
account (Decline Code 0813) or select the check box next to the Merchant Category Code
group (Decline Code 0818/0820) you wish to edit. The next screen will allow you to update
the spend control values
¡ F
or step-by-step instruction, please view the Create a Card training video located in the
Commercial Cards Service Centre’s Training Library
0207 – CARD NOT The cardholder entered the incorrect expiry date.
EFFECTIVE Action Required: Please ask the cardholder to check that they are using the correct
credit card – if their expiry date is upcoming, they should have received a reissued card
with a new expiry date. If the issue still persists, please advise the cardholder to contact
1-888-769-2534 for support.
0152 – CONTROL The cardholder attempted a Visa‡ payWave transaction over $200.00 (CDN).
ACCOUNT
Please Note: Each merchant has its own limit for maximum transaction values using
DECLINED/
Visa payWave.
EXCEEDS MAX
RFID AMOUNT Action Required: For larger purchases, please swipe or insert the card to complete
the transaction.
0530-0540 – OVERLIMIT The cardholder account is over the cardholder account credit limit (Decline Code 0530-0540)
or payment is required (Decline Code 0032-0047).
0032-0047 – PAST DUE
Action Required: To make a payment, please use one of the payment methods outlined
by the How To Make Payments reference sheet. To increase the card’s credit limit, please
consult the Create a Card training video located in the Commercial Cards Service Centre’s
Training Library
0002 – CLOSED ACCOUNT The cardholder account is closed therefore any attempted transactions will be declined.
Action Required: If the account was closed in error, please call Commercial Cards Client
Support at 1-877-334-9938 to re-instate the account.
0557 – WATCH STATUS Please advise the cardholder to contact 1-888-769-2534 and press 0.
These materials are provided by Royal Bank of Canada for general information purposes only.
® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
‡
All other trademarks are the property of their respective owner(s). VPS112011 117694 (11/2023)
