Decline Code 59: Suspected Fraud

The decline code 59, labeled as “Suspected Fraud,” indicates that a credit card transaction has been declined because the transaction appears to be potentially fraudulent. This determination is typically made by the card-issuing bank’s fraud detection systems, which use algorithms to analyze transaction patterns and flag those that seem out of the ordinary or match known patterns of fraud. When this code appears, it suggests that the bank has identified something about the transaction that seems suspicious, prompting them to prevent the transaction to protect the cardholder and themselves from potential financial loss.