Card transaction declines | J.P. Morgan Next Help Center

Next User Type: Member

Your card may decline when attempting transactions. This article outlines some of the reasons why your card might decline and how you can troubleshoot the issue to start spending again

View transaction declines from the mobile app

In the Navigation Bar, tap Transactions
- Note: If the Budgets icon is not in your Navigation Bar, tap More, then tap Transactions
View your transactions
Any declined transactions display a Declined label
To view details, tap the transactions
The declined transaction displays a decline reason, card information, and budget. You can use these details to determine why the transaction was declined

View transaction declines from a web browser

In the Navigation Menu, select Transactions
Select Declined
In the Decline Reason column, view the reason for each declined transaction

Transaction decline definitions

This section contains a list of common reasons for declines and troubleshooting solutions that you may see as a Member.

Decline reason	Definition	More Information
Address Verification Failed	Transaction includes Incorrect billing address	Use your company’s current billing address Reattempt the transaction
Account Load Failed	Connectivity error occurred at the card network	Reattempt the transaction.
ATM Transactions Not Allowed	Card not permitted for ATM transactions	Transaction is not supported
Blocked Card	Card has been blocked	Log in to Next and unblock your card. If you cannot unblock the card, contact J.P. MORGAN Servicing Reattempt the transaction
Cardholder Not Active	Inactive cardholder	Talk to your company's Next administrator Once you have been reactivated, reattempt the transaction
Card on Hold	Card is on hold	Contact J.P. Morgan Next Servicing to remove the hold Reattempt the transaction
Cashback	J.P. Morgan cards cannot be used for cashback transactions	Transaction is not supported
Cancelled Card	Card has been cancelled	Talk to your company's Next administrator to order you a new card After you receive new card details, reattempt the transaction
Company Not Active	Company is not active in Next	Talk to your company's Next administrator.
Digital Wallet Token Failure	Mobile wallet timeout error	1. Reattempt the transaction.
Expiration Date Does Not Match / Expiration Mismatch	Expiration date connected to transaction does not match expiration date on card	Ensure that the expiration date was entered correctly If the card is expired, attempt to place a new order; if unable to, talk to your company's Next administrator to order a new card With the correct details or new card, reattempt the transaction
Inactive / Not Active Card	Card has not been activated in Next	Activate your card Reattempt the transaction
Insufficient Company Funds	Attempted transaction is larger than the company's total available spend amount.	Transaction is not supported
Insufficient Funds	Spend limit or assigned funds on the card does not contain enough funds to cover the transaction	Request funds Reattempt the transaction
Invalid Chip Data	Chip is invalid. Try using the card another way: tap to pay, swipe, or manual entry.	Reattempt the transaction.
Invalid CVV/CVC Code	CVV/CVC code is invalid	Ensure that the security code was entered correctly If the card is expired, contact your admin to order a new card Reattempt the transaction
Invalid MCC Code	Merchant does not accept your card. Complete the purchase with another merchant.	Transaction is not supported
Invalid Message	Connectivity error occurred at the card network	Reattempt the transaction.
Invalid PIN / Debit Unsupported	Debit transactions are not supported.	Reattempt the transaction by running the card as credit instead of debit.
Merchant Controls	Your company has enabled merchant controls, which blocks specific categories or only allows specific categories for transactions in selected budgets.	Transaction is not supported
Merchant Not Allowed	Merchant has been blocked for any of the following reasons: industry, fraud risk, or location.	Transaction is not supported
Network Decline	Connectivity error occurred at the card network	Decline occurred due to system error. Reattempt the transaction.
Network Over Capacity	Network is unable to process transactions due to high volume. Retry transaction later.	Reattempt the transaction.
Quasi Cash	Transaction is to purchase item(s) that can be converted directly into cash. This type of purchase is not supported.	Transaction is not supported
Service Error	Card processing error	Reattempt the transaction.
Suspended Card	Card is frozen	If you froze the card, you must unfreeze the card. If your admin froze the card, contact them to unfreeze it If the card was frozen due to fraud, contact J.P. MORGAN servicing to unfreeze If the policy set to freeze after incomplete transactions, contact your admin to approve the transactions as is which will temporarily unfreeze the card After the card is unfrozen, reattempt the transaction
Suspicious Activity	Transaction has been declined for suspicious activity	Call J.P. Morgan Next Servicing
Transaction Not Allowed	You cannot use your card for this type of purchase	Transaction is not supported
Unsupported Transaction Type	Purchase is outside our rules of servicing and is restricted. This type of purchase is not supported.	Transaction is not supported
ZIP Code Mismatch	Billing ZIP code does not match ZIP code on card	Check the ZIP code used in the transaction to ensure it matches the ZIP code on the card (it will be your company’s corporate address zip code) Reattempt the transaction