05

Do not honor

The issuer or processor declined without a more specific actionable reason.

Outcome: Declined
Code system: Discover
Raw format: Two-character numeric or alphanumeric raw response code

Operational context

No universal retry instruction encoded

Discover wording mapped to the SchemeLens “Generic decline” concept.

Use the current scheme, provider, transaction, and advice-code rules; the raw response value alone may be insufficient for a retry decision.

Explicit mapping

SchemeLens concepts

These links are editorial mappings, not replacements for the raw source value. The relation shows how closely the wording aligns.

Normalized concepts mapped to Discover response code 05
Concept	Relation	Mapping note
Generic decline	Direct semantic match	Discover wording mapped to the SchemeLens “Generic decline” concept.

Namespace check

The same raw value exists elsewhere

Visa 05Do not honor
Mastercard 05Do not honor
UnionPay 05Cardholder identity authentication failed
EBANX 05Issuer returned a general decline

Provenance

Sources used for this record

Worldpay: Raw response codesOfficial for Worldpay raw-response behaviour; secondary evidence for the underlying scheme definition.
Live provider reference, verified 27 July 2026

SchemeLens keeps source wording, normalized concepts, and operational guidance separate so later evidence can be added without rewriting the raw record.