Every card decline carries a two-digit verdict from the issuer. Most systems show you the code and nothing else. Here's what the bank is actually saying — and whether trying again will work.
How to read the chips:HARD = dead, don't retry (retrying hard declines triggers network fines). SOFT = temporary, smart retries often recover it — this is the entire science of "dunning." FIX & RESUBMIT = something's wrong with the request, not the card.