I don't usually have problems with my card, but I have seen unambiguous "read error" and "funds unavailable" messages (as well as "incorrect PIN" and the oh-so-helpful "declined"). The other day at McDonald's I got "MAC error" and a second attempt worked. I took a look at my online banking when I got home and found that I had been debited for the failed transaction, credited it back, then debited a second time for the working one. It's good to know that the system will credit you back if there's a problem 