Decline Code 25: Unable to locate record in file

The decline code “25: Unable to locate record in file” in a credit card transaction typically indicates that the information provided for the transaction does not match any records on file with the credit card issuer or the processing network. This could mean several things, such as the credit card number or other pertinent details entered are incorrect, or there is no existing account associated with the information provided. Essentially, the payment processor is unable to find an account or transaction record that corresponds to the details entered, leading to the transaction being declined. This code prompts the cardholder to check the card details entered and try again or contact their bank for further clarification.