Transaction Not Permitted to Terminal/Merchant
This decline means the merchant's terminal or merchant category is not permitted to accept this type of transaction under network or issuer rules. Unlike a cardholder-side restriction, the limitation sits on the merchant or terminal configuration itself, such as a terminal not provisioned for a certain card product or transaction type.
Decline code by card network
| Card network | Code | Network's wording |
|---|---|---|
| Visa | 58 | Transaction Not Permitted to Terminal |
| Mastercard | 58 | Transaction Not Permitted to Terminal |
Common causes
- The merchant's terminal or merchant account isn't configured or licensed to accept a specific card product (e.g. commercial or EBT cards).
- The merchant category code (MCC) registered for the business isn't authorized for the transaction type attempted, such as cash-equivalent transactions.
- The terminal is attempting a transaction type (e.g. cash advance) that its merchant agreement doesn't cover.
What merchants should do
- Confirm with your acquirer or payment processor that your merchant account and terminal are provisioned for the card types and transaction types you intend to accept.
- Check that your registered merchant category code (MCC) matches your actual business activity.
- If the issue is isolated to one terminal or channel, route the transaction through a correctly configured terminal or gateway instead.
How to prevent this
- Work with your acquirer during onboarding to ensure your MCC and terminal configuration match every transaction type you plan to process.
- Periodically audit terminal configurations after any processor migration or hardware change.
- If you expand into new transaction types (e.g. adding recurring billing or cash-equivalent sales), confirm merchant account support before launch.
Because this is a merchant-side configuration issue, it typically affects every transaction of the same type rather than a single customer, so a sudden spike in this decline is a strong signal to check with your acquirer.
Frequently asked questions
Is this decline caused by the customer's card?
No. This restriction originates from the merchant's terminal configuration or merchant category, not from the cardholder's account, so the customer typically cannot resolve it themselves.
How do I fix this on an ongoing basis?
Contact your acquirer or payment processor to review your merchant account setup. They can confirm whether your terminal or MCC needs to be updated to support the transaction type you're attempting.