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Clover Error Code 05: Do Not Honor - Quick Fixes & Solutions

The 'Do Not Honor' message gives you nothing to work with. Your customer is embarrassed, you can't explain why, and the sale might be lost. This vague error code creates awkward situations daily.

Quick Fixes to Try Right Now

1

Try a Different Card

The most reliable fix - ask the customer for an alternative payment method.

2

Retry the Transaction

Sometimes a simple retry works, especially if it was a temporary communication issue.

3

Split the Transaction

Try processing a smaller amount to see if there's a limit issue.

4

Customer Calls Bank

Have the customer call their bank while in store to get real-time authorization.

Still Having Issues? Compare Your Options

Feature Clover CapClover
Customer Support Long hold times, unresponsive Your assigned rep's direct line
Business Funding Limited or no options Up to $500,000
Approval Time Weeks or denied Same-day decisions
Hidden Fees Frequently reported Transparent pricing
Contract Terms Early termination fees Flexible terms

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Frequently Asked Questions

What is Clover error code 05 Do Not Honor?
Error code 05 means the bank declined the transaction but won't specify why. It's a catch-all decline used for various reasons including fraud suspicion or account issues.
Why does my customer keep getting Do Not Honor?
This usually indicates the bank has concerns about the transaction - it could be spending limits, unusual location, or fraud prevention. Only the cardholder can resolve this.
Can I force through a Do Not Honor decline?
No. Attempting to force declined transactions can result in chargebacks and may violate your merchant agreement.