A declined 05 code is a general Do Not Honor declined response. What does this decline mean? This is the most common and general declined message for transactions that are blocked by the bank that issued the card.
Generally, the response code returned from our system is the actual response returned directly from the customer's credit card issuing bank. If it is determined that the customer's issuing bank is declining the transaction, there is nothing PayJunction can do to override the declined 05 response.
We recommend asking the customer to call the number on the back of the credit card to speak with the bank about a declined 05 Do Not Honor error. The customer can explain that he is trying to issue a payment and ask the bank to allow the transaction. Otherwise, the customer will need to provide an alternate method of payment.
This decline code is considered a hard decline and for transactions that receive this decline code we recommend waiting 24 hours before processing the payment. If you don't wait 24 hours and choose to reprocess the payment once the cardholder receives verification from their bank you may forfeit any reversal rights on a future chargeback/dispute. For card not present transactions you are allowed one Do Not Honor decline. Successfully captured card not present transactions that have received only one previous Do Not Honor decline will not forfeit reversal rights for future chargebacks/disputes.
If you still believe the transaction should not be declined, see: Why does PayJunction say a transaction is declined when my customer says he has funds available?
See also: Response Code Definitions