Transactions that return a result of 101 have been declined by the bank. While the most common cause of a declined transaction would be where insufficient funds exist to cover the cost of the transaction, other reasons may apply. The issuing bank cannot divulge the reasons for a declined transaction to anyone other than the cardholder themselves. No funds will be received for declined transactions. We get no info as to why the bank refused the transaction. It can be due to insufficient funds, card reported stolen etc, incorrect CCV code, invalid expiry date, international payments block on the card.
Check the card number entered. Luhn Check error refers to an invalid card number entered.