All Cielo codes
CIELO · RETURN CODE

Cielo
12

Varies by brand. Elo: card error. Visa: message format error. Mastercard: invalid installment amount.

Cielo saysSoft decline
12

Varies by brand. Elo: card error. Visa: message format error. Mastercard: invalid installment amount.

What it means

Declined by the issuer

The issuing bank refused the payment for a reason specific to the card or account.

What to do

Ask the shopper to use another method or contact their bank. A single later retry is reasonable.

Worth retryingWho can fix it: The card issuer
Yuno response codeDECLINED_BY_BANK
Source:Cielo docs — Códigos de Retorno padrão ABECS (API E-commerce Cielo)

Other Cielo codes with the same meaning

0405065860647981828389N0

Reference only. Codes and descriptions come from each provider's public documentation. The Yuno response code is a reference mapping and does not guarantee how a specific transaction is processed.