Why did I get API error codes 15005, 15006 and 15007?

Issue
The most common transaction decline errors you'll see are:

  • 15005: Processor Decline - This transaction cannot be processed.
  • 15006: Processor Decline - This transaction cannot be processed. Please enter a valid credit card number and type.
  • 15007: Processor Decline - This transaction cannot be processed. Please use a valid credit card.

Cause
Error codes 15005, 15006 and 15007 all indicate a processor decline. Processor declines result directly from the financial information entered and aren't under PayPal's control.

Solution
The merchant must request that the buyer either use a different funding source for the payment, or contact their issuing bank (call the customer service number on the back of the credit card being declined).

Note: PayPal doesn't give merchants specific reasons for payment declines. If more information is required, have the buyer contact PayPal Business Support.

In general:
  • 15005 errors result from an AVS decline, usually caused by the billing address not matching the card issuer's information on file. The card-issuing bank may also have declined the transaction due to lack of funds.
  • 15006 errors occur when a hold exists on the card or the card-issuing bank's system has flagged it.

For more specific reasons why the processor declined these transactions, you can review the AVS and CSC values in the API response.