Error code 5, refused

<!-- Request -->
<?xml version="1.0" encoding="UTF-8"?>
<!DOCTYPE paymentService PUBLIC "-//WorldPay/DTD WorldPay PaymentService v1//EN" "http://dtd.worldpay.com/paymentService_v1.dtd">
<paymentService merchantCode="BBTWEBGBP" version="1.4">
    <submit>
        <order orderCode="8000019074-1614675082">
            <description><![CDATA[WorldPay Order]]></description>
            <amount currencyCode="GBP" exponent="2" value="3510"/>
            <paymentDetails>
                <VISA-SSL>
                    <cardNumber>XXXXXXXXXXXXXXXX</cardNumber>
                    <expiryDate>
                        <date month="7" year="2028"/>
                    </expiryDate>
                    <cardHolderName>REFUSED</cardHolderName>
                    <cvc>XXX</cvc>
                    <cardAddress>
                        <address>
                            <firstName><![CDATA[Evgeny]]></firstName>
                            <lastName><![CDATA[Levinsky]]></lastName>
                            <street><![CDATA[kilmurry business park]]></street>
                            <postalCode><![CDATA[v93xk83]]></postalCode>
                            <city><![CDATA[kenmare]]></city>
                            <countryCode><![CDATA[RU]]></countryCode>
                        </address>
                    </cardAddress>
                </VISA-SSL>
                <session id="mqt6b74271j4vdrovfo3n3loq7" shopperIPAddress="172.24.0.4"/>
            </paymentDetails>
            <shopper>
                <shopperEmailAddress>evgeny@wearejh.com</shopperEmailAddress>
                <browser>
                    <acceptHeader><![CDATA[*/*]]></acceptHeader>
                    <userAgentHeader><![CDATA[Mozilla/5.0 (X11; Linux x86_64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/88.0.4324.146 Safari/537.36]]></userAgentHeader>
                </browser>
            </shopper>
            <shippingAddress>
                <address>
                    <firstName><![CDATA[Evgeny]]></firstName>
                    <lastName><![CDATA[Levinsky]]></lastName>
                    <street><![CDATA[kilmurry business park]]></street>
                    <postalCode><![CDATA[v93xk83]]></postalCode>
                    <city><![CDATA[kenmare]]></city>
                    <countryCode><![CDATA[RU]]></countryCode>
                </address>
            </shippingAddress>
            <billingAddress>
                <address>
                    <firstName><![CDATA[Evgeny]]></firstName>
                    <lastName><![CDATA[Levinsky]]></lastName>
                    <street><![CDATA[kilmurry business park]]></street>
                    <postalCode><![CDATA[v93xk83]]></postalCode>
                    <city><![CDATA[kenmare]]></city>
                    <countryCode><![CDATA[RU]]></countryCode>
                </address>
            </billingAddress>
            <riskData>
                <authenticationRiskData authenticationMethod="guestCheckout">
                    <authenticationTimestamp>
                        <date second="23" minute="51" hour="08" dayOfMonth="02" month="03" year="2021"/>
                    </authenticationTimestamp>
                </authenticationRiskData>
                <shopperAccountRiskData transactionsAttemptedLastDay="23" transactionsAttemptedLastYear="23" purchasesCompletedLastSixMonths="23" addCardAttemptsLastDay="0" previousSuspiciousActivity="false" shippingNameMatchesAccountName="true" shopperAccountAgeIndicator="noAccount" shopperAccountChangeIndicator="changedDuringTransaction" shopperAccountPasswordChangeIndicator="noChange" shopperAccountShippingAddressUsageIndicator="thisTransaction" shopperAccountPaymentAccountIndicator="noAccount">
                    <shopperAccountCreationDate>
                        <date dayOfMonth="02" month="03" year="2021"/>
                    </shopperAccountCreationDate>
                    <shopperAccountModificationDate>
                        <date dayOfMonth="02" month="03" year="2021"/>
                    </shopperAccountModificationDate>
                    <shopperAccountPasswordChangeDate>
                        <date dayOfMonth="02" month="03" year="2021"/>
                    </shopperAccountPasswordChangeDate>
                    <shopperAccountShippingAddressFirstUseDate>
                        <date dayOfMonth="01" month="03" year="2021"/>
                    </shopperAccountShippingAddressFirstUseDate>
                    <shopperAccountPaymentAccountFirstUseDate>
                        <date dayOfMonth="01" month="03" year="2021"/>
                    </shopperAccountPaymentAccountFirstUseDate>
                </shopperAccountRiskData>
                <transactionRiskData shippingMethod="other" deliveryEmailAddress="evgeny@wearejh.com" reorderingPreviousPurchases="true" preOrderPurchase="false" giftCardCount="0"/>
            </riskData>
            <additional3DSData dfReferenceId="0_5b81e698-8aaf-4eab-9d80-571cdd456d7a" challengeWindowSize="390x400" challengePreference="challengeMandated"/>
            <FraudSightData>
                <shopperFields>
                    <shopperName>Evgeny</shopperName>
                    <shopperAddress>
                        <address>
                            <firstName><![CDATA[Evgeny]]></firstName>
                            <lastName><![CDATA[Levinsky]]></lastName>
                            <street><![CDATA[kilmurry business park]]></street>
                            <postalCode><![CDATA[v93xk83]]></postalCode>
                            <city><![CDATA[kenmare]]></city>
                            <countryCode><![CDATA[RU]]></countryCode>
                        </address>
                    </shopperAddress>
                </shopperFields>
            </FraudSightData>
        </order>
    </submit>
</paymentService>

<!-- Response -->
<?xml version="1.0" encoding="UTF-8"?>
<!DOCTYPE paymentService PUBLIC "-//WorldPay//DTD WorldPay PaymentService v1//EN" "http://dtd.worldpay.com/paymentService_v1.dtd">
<paymentService version="1.4" merchantCode="BBTWEBGBP">
    <reply>
        <orderStatus orderCode="8000019074-1614675082">
            <payment>
                <paymentMethod>VISA_DEBIT-SSL</paymentMethod>
                <paymentMethodDetail>
                    <card type="debitcard"/>
                </paymentMethodDetail>
                <amount value="3510" currencyCode="GBP" exponent="2" debitCreditIndicator="credit"/>
                <lastEvent>REFUSED</lastEvent>
                <ISO8583ReturnCode code="5" description="REFUSED"/>
                <CVCResultCode description="C"/>
                <AVSResultCode description="E"/>
                <cardHolderName><![CDATA[REFUSED]]></cardHolderName>
                <issuerCountryCode>N/A</issuerCountryCode>
                <riskScore value="1"/>
            </payment>
        </orderStatus>
    </reply>
</paymentService>