All Worldpay codes
WORLDPAY · REFUSAL CODE

Worldpay
91

Card issuer temporarily not reachable: the issuer, switch or authorization system is unavailable or inoperative.

Worldpay saysSoft decline
91

Card issuer temporarily not reachable: the issuer, switch or authorization system is unavailable or inoperative.

What it means

Issuer or acquirer unavailable

The bank or network could not be reached, so nobody actually judged the payment.

What to do

Retry shortly, or route through another provider if you have one.

Worth retryingWho can fix it: The provider
Yuno response codeACQUIRE_CONTINGENCY
Source:Worldpay docs — Refusal response codes (Access Worldpay)

Other Worldpay codes with the same meaning

20288092444445446

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.