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This error means the card account has been closed, deactivated, or flagged with a special restriction by your bank. It often occurs with corporate cards, agency cards, or accounts that were closed due to suspected fraud. This is typically a permanent issue with that card.

• Call the number on the back of your card to find out why the account is closed or restricted
• Use a different card — Error 0002 usually indicates a long-term or permanent issue
• If using a company card, check with your finance department — the card may have been deactivated

Error 0062 is a higher-level security alert, often triggered by a mismatched CVV (the 3 or 4-digit security code) or when the bank’s fraud detection system flags the transaction. This can also occur when billing details don’t match what the bank has on file.

• Double-check the CVV — 3 digits on the back for Visa/Mastercard/Discover; 4 digits on the front for Amex
• Verify your billing ZIP code matches your card’s registered address exactly
• Contact your card issuer to confirm the card isn’t blocked and to verify there’s no system error
• Try a different card if the issue persists

The CVV number you entered doesn’t match what your card issuer has on file. This is the most straightforward of the error codes — the fix is usually a simple re-entry.

• Re-enter the CVV carefully — 3 digits on the back (Visa, MC, Discover) or 4 digits on the front (Amex)
• If using a digital wallet or virtual card, the CVV may differ from your physical card — check the wallet app
• Verify your billing ZIP code and address also match your bank’s records
• If the error persists after re-entering, contact your card issuer — the card may be blocked

Error 0085 often indicates a CVV problem but can also mean the billing address or ZIP code doesn’t match your bank’s records. It’s similar to 0082 but can also be triggered by address verification failures (AVS mismatch).

• Re-enter your CVV — 3 digits on the back (Visa, MC, Discover) or 4 digits on the front (Amex)
• Verify the billing ZIP code and address match exactly what your bank has on file
• If using a digital or virtual card, verify the CVV in your wallet app rather than on the physical card
• Contact your card issuer if the error continues after verifying all details

This error means the transaction was blocked by your bank’s security system — not by Phonewire. It most commonly occurs when the payment amount is significantly larger than your typical charges on that card, triggering an automatic fraud prevention hold. The “Declined by score” notation means a risk algorithm flagged it.

• Call the number on the back of your card — this is the only reliable fix. Ask the bank to authorize the specific transaction amount
• Verify your card is authorized for online transactions (some cards restrict e-commerce by default)
• Try a different card if the bank cannot immediately lift the block
• Ask your bank to temporarily raise your online transaction limit if this happens regularly