Invalid Transaction: Declined Code 12 Explained · Tidal ...
What is declined 12 on a credit card? Also known as the “invalid transaction” code, a credit card error code 12 is given when the issuing bank does not accept a transaction. That’s super vague, but it’s true. The issuing bank is the bank that gave the customer their card, and a declined 12 code is sort of a catch-all for error codes. It doesn’t mean one specific thing, but there are a few common reasons why your POS could be sending it.
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