05

Issuer returned a general decline

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

Outcome: Declined
Code system: EBANX
Raw format: Two-character payment.transaction_status.iso_code

Operational context

No universal retry instruction encoded

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

Namespace check

The same raw value exists elsewhere

Visa 05Do not honor
Mastercard 05Do not honor
Discover 05Do not honor
UnionPay 05Cardholder identity authentication failed

Provenance

Sources used for this record

EBANX: ISO 8583 Response CodesOfficial for the issuer ISO code exposed by EBANX Pay-in in supported Latin American markets; not first-party scheme evidence.
Live Pay-in reference, verified 28 July 2026

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