What does 05: do not honor mean?

The refusal reason 05: do not honor is a rather generic refusal reason that we receive from the issuer. In about half the cases, it is just another way of saying Insufficient funds. Unfortunately, we do not get more specific information on the exact refusal reason. The only way to find out the exact refusal reason is the shopper reaching out to the bank to ask for it.

Should you feel that there is no reason why the charge cannot go through, especially if you know the virtual card is active with the correct funds, you can create a new payment request.

Manually add a virtual card

Create a new payment

If you are manually adding a virtual card then this will create a new payment entry and will not update the previous "Refused" transaction