Decline Code 86: Cannot verify PIN

The decline code “86: Cannot verify PIN” in the context of credit card transactions typically indicates that the Personal Identification Number (PIN) entered by the cardholder could not be verified. This could occur due to several reasons such as an incorrect PIN being entered, issues with the card issuer’s system that verifies PINs, or problems with the card reader itself. When this decline code appears, the transaction is not processed because the system cannot confirm the identity of the person attempting to use the card, which is a necessary step in preventing fraudulent transactions.