All Worldpay codes
WORLDPAY · REFUSAL CODE

Worldpay
85

Rejected by card issuer. Scheme meaning: not declined / no reason to decline (valid for AVS-only or balance inquiry requests).

Worldpay saysSoft decline
85

Rejected by card issuer. Scheme meaning: not declined / no reason to decline (valid for AVS-only or balance inquiry requests).

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:Worldpay docs — Refusal response codes (Access Worldpay)

Other Worldpay codes with the same meaning

467395253586364747579

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.