When purchasing cryptocurrency through the Buy Crypto feature using a bank card (Visa, Mastercard, Apple Pay, or Google Pay), some transactions may be declined by the payment provider or issuing bank.
Below are the most common error codes, their meanings, and recommendations for resolving them.
Please note: these decline reasons pertain specifically to the payment provider's side and do not include any possible restrictions or declines from WhiteBIT.
Common payment errors
| Code | Title | What it means | What to do |
| 20061 | Card Limit Exceeded | The purchase amount exceeds your card’s withdrawal or spending limit. | Try a smaller amount or contact your bank. |
| 20005 | Transaction Declined | Your bank declined the payment without a specific reason. | Try another card or contact your bank. |
| 20051 | Insufficient Funds | There are not enough funds on your card/account. | Top up your balance or use another payment method. |
| 20059 | Security Block | Your bank blocked the transaction for security reasons. | Confirm the payment in your banking app and retry. |
| 20078 | Card Inactive | The card is inactive or not enabled for online payments. | Activate your card or use another one. |
| 20182 | Verification Failed | The 3D Secure verification was not completed successfully. | Ensure you enter the correct SMS/app verification code. |
| 2005C | Transaction Limit Exceeded | The maximum number of allowed transactions has been reached. | Wait and try later or use another card. |
| 2009G | Transaction Declined | The provider’s security system rejected the transaction. | Contact support for assistance. |
| 20183 | Authentication Error | Your bank could not complete identity verification. | Use a card with 3D Secure enabled. |
| 41101 | Account Closed | The card or account has been closed. | Use an active card. |
| 20012 | Invalid Transaction | The transaction was recognized as invalid by the bank. | Verify your payment details and try again. |
| 41202 | Bank System Error | Temporary technical issue on the bank side. | Retry after a few minutes. |
| 20058 | Transaction Not Allowed | Your card does not allow this type of transaction. | Contact your bank to enable online or crypto-related payments. |
| 20093 | Purchase Failed | A technical processing error occurred. | Retry later or contact support. |
| 20003 | Declined by Bank | Your bank does not permit this type of payment. | Try another payment method or bank. |
| 20065 | Too Many Attempts | Too many purchase attempts were made in a short period. | Wait some time before retrying. |
| 20154 | Security Issue | The payment failed provider security checks. | Contact support for assistance. |
| 20063 | Security Violation | The bank declined the payment for security reasons. | Try another card. |
| 20062 | Restricted Card | Your card has bank-imposed restrictions. | Use another card or contact your bank. |
| 20082 | Incorrect CVV | The CVV/CVC code was entered incorrectly. | Re-enter the correct security code. |
| 43102 | Card Blocked | The card has been blocked by the provider or bank. | Use a different card. |
| 20054 | Expired Card | The card has expired. | Use a valid card. |
| 30004 | Account Issue | There is an issue with your account setup. | Contact support for assistance. |
| 20179 | Card Not Supported | This card type is not supported by the provider. | Use a standard Visa or Mastercard card. |
| 20013 | Invalid Amount | The entered amount is invalid or outside the allowed limits. | Adjust the amount and try again. |
| 20014 | Invalid Card Number | The card number was entered incorrectly. | Check the card number and retry. |
| 20122 | Security Code Error | The bank could not verify the security code. | Re-check your card details. |
| — | Transaction Failed | The reason for the decline could not be identified. | Try another payment method or contact support. |
Recommendations Before Retrying
Before making another purchase attempt, please ensure that:
- Your card supports online and international payments;
- 3D Secure verification is enabled;
- Sufficient funds are available on your balance;
- Your bank allows cryptocurrency-related transactions;
- Card details were entered correctly;
- You have not exceeded transaction or withdrawal limits.