Response Codes


These codes are here for information only. The success field in Payment Result should be used as the primary transaction outcome indicator.

Response Codes have different meanings dependending on the Card Scheme being used. We've split our Response Code tables into three main groups:

  • Mastercard
  • Visa, Diners Club, Discover & American Express
  • UnionPay
00 Approved or completed01 Refer to card issuer Call Issuer
03 Invalid merchant04 Capture card
05 Do not honor08 Honor with ID
10 Partial Approval12 Invalid transaction
13 Invalid amount14 Invalid card number
15 Invalid issuer30 Format error
41 Lost card43 Stolen card
51 Insufficient funds/over credit limit54 Expired card
55 Invalid PIN57 Transaction not permitted to issuer/cardholder
58 Transaction not permitted to acquirer/terminal60 Contact Acquirer
61 Exceeds withdrawal amount limit62 Restricted card
63 Security violation65 Strong customer authentication required by issuer
70 Contact Card Issuer71 PIN Not Changed
75 Allowable number of PIN tries exceeded76 Invalid/nonexistent “To Account” specified
77 Invalid/nonexistent “From Account” specified78 Invalid/nonexistent account specified (general)
79 Invalid digital signature80 Amount no longer available
81 Domestic Debit Transaction Not Allowed (Regional use only)83 Fraud / Security
84 Invalid Authorization Life Cycle85 Not declined Valid for all zero amount transactions.
86 PIN Validation not possible Decline87 Purchase Amount Only, No Cash Back Allowed
88 Cryptographic failure89 Unacceptable PIN—Transaction Declined—Retry
91 Authorization System or issuer system inoperative92 Unable to route transaction
94 Duplicate transmission detected96 System error Decline
97 Security breach - MAC check indicates error condition98 Date and time not plausible - The POS Terminal must set itself to the date and time of the response message
99 Error in PAC encryption detected Any other code sent by the Authorization Host i.e. General decline