24-12-2025
Blogs

The most common error codes on your payment terminal 

Error codes: you sometimes see them on your phone, your computer, your security system and in many other places. Your payment terminal can also show an error code, for example when there is a malfunction or when a card is declined. Sometimes you won't see the error code on the device itself, but you can look it up in your personal portal. But what do all these codes mean? It helps to know what the most common error codes mean. That's why we've listed them for you and explain what you can do in each case.

101 - Card expired

Bank cards are replaced every so often. Consumers usually receive a new debit card from their bank by mail automatically. Not everyone keeps track of this, and sometimes people only find out at the checkout that their old card no longer works. 

Solution: you can ask the customer to come back with their new (activated) debit card, pay with a different card, or pay in cash.  

106 - Maximum number of attempts reached 

If a customer enters the wrong PIN three times, the bank automatically blocks the card. 

Solution: many banks now let customers lift the block through their mobile banking app. The customer often still has to withdraw cash from a Geldmaat cash machine afterwards to reactivate the card. It's important that they enter the correct PIN after that. If that doesn't work, they need to request a new PIN from their bank and can't pay with the card at that moment. In some cases, the block is lifted automatically after 24 hours.

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107 - Declined by the cardholder  

In this case, the customer's card is not (or no longer) valid. 

Solution: the customer needs to contact their bank to resolve this and cannot use the card at that moment. Ask whether the customer would like to pay with a different card. 

116 – Insufficient funds 

The customer does not have sufficient funds to complete the payment. 

 

Solution: if the customer has a banking app and sufficient funds in another account, they can transfer money through the app and still complete the payment. You can also ask whether the customer would like to pay with a different card or in cash. If the service has already been provided and the customer cannot pay, issuing an invoice can be a solution, so the customer can pay later.  

 

119 – Transaction not allowed with this card 

 

This error code can have several causes, such as: 

  • The card's spending limit has been reached 

  • The card has been blocked for security reasons, for example due to suspected fraud 

  • The card's chip is damaged 

 

Solution: the customer needs to contact their bank and, for now, pay with a different card or in cash. 

 

208 – Lost card / 209 – Stolen card 

 

Pay close attention to this error message. It means the card has been reported lost or stolen. 

 

Solution: do not process the transaction and do not argue with the customer. Avoid unsafe situations. If the customer becomes aggressive, alert security or call the police (112), especially at busy locations or events. 

 

If you want to file a report later, record the following: 

  • Date and time of the attempt

  • Card type (for example, Mastercard or Visa)

  • Any reference numbers or error codes 

99550 – Maximum number of payments reached 

 

Most Dutch debit cards have a limit on the maximum amount, but sometimes there is also a limit on the number of payments within a certain period. This varies by card and by bank. 

 

Solution: ask the customer to contact their bank or to pay another way. 

 

141 – Card refund declined 

 

This error code can also have several causes, such as: 

  • The card does not support card refunds (for example, credit cards) 

  • A limit has been set on the amount or time period for refund transactions 

  • The payment terminal is not set up for refund transactions (you can check this in your My Buckaroo account) 

  • A technical fault at the bank, card scheme or supplier 
     

Solution: offer a store credit voucher or refund the amount in cash. Are card refunds not activated on your Buckaroo device? You can request this if your business meets the relevant conditions. If there is a fault, you can usually only wait it out. For regular customers, refunding them at a later time can also be an option. 

Error code overview

Want to keep the error codes close at hand? Below is an overview of the most common error codes and what they mean.

Code on the payment terminal
(or Plaza/My Buckaroo)

Description:

101

Card expired

104

Card with limited functionality

105

Declined by acquirer

106

Maximum number of PIN entry attempts reached

110

Invalid amount

111

Invalid card number

116

Insufficient funds

117

Incorrect PIN entered

119

Transaction not allowed with this card

120

Transaction not allowed on this payment terminal

121

Maximum withdrawal amount reached

123

Maximum number of payments reached

141

Card refund declined

181

Card blocked

191

Technical error

193

Maximum number of payments reached

208

Card reported lost

209

Stolen card

9550

Maximum number of payments reached

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