Scheme code system · Visa
Official05
Do not honor
The issuer or processor declined without a more specific actionable reason.
- Outcome
- Declined
- Code system
- Visa
- Raw format
- Two-character numeric or alphanumeric action code
Operational context
Generic category
Visa places other decline responses in Category 4 and permits up to 20 attempts in 30 days, subject to the full rules and transaction context.
Explicit mapping
SchemeLens concepts
These links are editorial mappings, not replacements for the raw source value. The relation shows how closely the wording aligns.
| Concept | Relation | Mapping note |
|---|---|---|
| Generic decline | Direct semantic match | Visa wording mapped to the SchemeLens “Generic decline” concept. |
Namespace check
The same raw value exists elsewhere
- Mastercard 05Do not honor
- Discover 05Do not honor
- UnionPay 05Cardholder identity authentication failed
- EBANX 05Issuer returned a general decline
Provenance
Sources used for this record
- Visa Developer: Request and Response Codes — Action CodeOfficial source for the published Visa action-code wording.Live web reference, verified 27 July 2026
- Visa: Visa Core Rules and Visa Product and Service RulesOfficial source for decline categories, qualifications, and merchant reattempt limits.April 2026, section 7.3.6.3
SchemeLens keeps source wording, normalized concepts, and operational guidance separate so later evidence can be added without rewriting the raw record.