Response Codes

note

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

Mastercard

00	Approved or completed	01	Refer to card issuer Call Issuer
03	Invalid merchant	04	Capture card
05	Do not honor	08	Honor with ID
10	Partial Approval	12	Invalid transaction
13	Invalid amount	14	Invalid card number
15	Invalid issuer	30	Format error
41	Lost card	43	Stolen card
51	Insufficient funds/over credit limit	54	Expired card
55	Invalid PIN	57	Transaction not permitted to issuer/cardholder
58	Transaction not permitted to acquirer/terminal	60	Contact Acquirer
61	Exceeds withdrawal amount limit	62	Restricted card
63	Security violation	65	Strong customer authentication required by issuer
70	Contact Card Issuer	71	PIN Not Changed
75	Allowable number of PIN tries exceeded	76	Invalid/nonexistent “To Account” specified
77	Invalid/nonexistent “From Account” specified	78	Invalid/nonexistent account specified (general)
79	Invalid digital signature	80	Amount no longer available
81	Domestic Debit Transaction Not Allowed (Regional use only)	83	Fraud / Security
84	Invalid Authorization Life Cycle	85	Not declined Valid for all zero amount transactions.
86	PIN Validation not possible Decline	87	Purchase Amount Only, No Cash Back Allowed
88	Cryptographic failure	89	Unacceptable PIN—Transaction Declined—Retry
91	Authorization System or issuer system inoperative	92	Unable to route transaction
94	Duplicate transmission detected	96	System error Decline
97	Security breach - MAC check indicates error condition	98	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

Visa etc.

note

Includes Visa, Diners Club, Discover & American Express

00	Approved or completed	01	Refer to card issuer Call Issuer (not valid for an issuer to use anymore)
02	Refer to card issuer Call Issuer (not valid for an issuer to use anymore)	03	Invalid merchant
04	Capture card	05	Do not honor
06	Error	07	Capture Card
10	Partial Approval	11	V.I.P. approval
12	Invalid transaction	13	Invalid amount
14	Invalid account number	15	No such issuer
19	Re-enter transaction	21	No action taken, unable to back out prior transaction
25	Unable to locate record in file, or Account number missing from inquiry	28	File is temporarily unavailable
39	No credit account	41	Pick-up card, lost card
43	Pick-up card, stolen card	51	Insufficient funds
52	No current account	53	No savings account
54	Expired card	55	Incorrect PIN
57	Transaction not permitted to Cardholder	58	Transaction not allowed at terminal
59	Suspected fraud	60	Contact Acquirer
61	Activity amount limit exceeded	62	Restricted card, for example, listed in Country Exclusion table
63	Security violation	64	Transaction does not fulfil AML requirement
65	Activity count limit exceeded	75	Allowable number of PIN entry tries exceeded
76	Unable to locate previous message, no match on Retrieval Reference number	77	Previous message located for a repeat or reversal, but repeat or reversal data is inconsistent with original message
78	‘Blocked, first used’, the transaction is from a new Cardholder, and the card has not been properly unblocked	79	Transaction already reversed
80	Visa transaction, credit Issuer unavailable, or Private label transaction, invalid date	81	PIN cryptographic error found, error found by VIC security module during PIN decryption
82	Negative online CAM, dCVV, iCVV, or CVV results, or Offline PIN authentication was interrupted	85	No reason to decline
86	Cannot verify PIN	91	Issuer unavailable
92	Routing not found	93	Transaction cannot be completed; violation of law.
94	Duplicate transaction	96	System malfunction
1A	Strong customer authentication required by issuer	B1	Surcharge amount not permitted on Visa cards (US Acquirers only)
N0	Force STIP	N3	Cash service not available
N4	Cash back request exceeds Issuer limit	N7	Decline for CVV2 failure
N8	Transaction amount exceeds pre-authorized approval amount	P2	Invalid biller information
P5	PIN change/unblock request declined	P6	Unsafe PIN
R0	Stop payment order	R1	Revocation of authorization order. Issuers receive an advice each time a transaction is stopped in VEAS by the Visa Europe Payment Stop Service
R3	Revocation of all authorizations order. Issuers receive an advice each time a transaction is stopped in VEAS by the Visa Europe Payment Stop Service	Q1	Card authentication failed, or Offline PIN authentication interrupted

Union Pay

00	Approved or completed	01	Refer to card issuer Call Issuer
03	Invalid merchant	04	Capture card
05	ID certification fails	10	Partial Approval
11	VIP (Approved)	12	Invalid related transaction
13	Invalid amount	14	Invalid card number
15	No such Issuers	16	Approved to update track3 (approved)
21	Card not initialized	22	Suspected malfunction; related transaction error
25	Unable to locate original transaction	30	Format Error
34	Fraud	38	PIN try limit exceeded
40	Function requested not supported	41	Lost Card
43	Stolen Card	45	Fallback transaction is not allowed
51	Insufficient balance	54	Expired Card
55	Incorrect personal identification number	57	Transaction not allowed to be processed by cardholder
58	Transaction not allowed to be processed by terminal	59	Suspected fraud
61	Transaction amount limit exceeded	62	Restricted card
64	Original transaction amount error	65	Exceeds withdrawal velocity limit
68	Issuer response Timeout	75	Allowable number of PIN tries exceeded
90	Cutoff in progress	91	Issuer not capable to process
92	Financial institution or intermediate network facility cannot be found for routing	94	Duplicated transaction
96	Switch system malfunction	97	ATM/POS terminal number cannot be located
98	Issuer response not received by CUPS	99	PIN Block Error
A0	MAC failed	A2	Successful transaction with fault (Approved)
A3	Account not found in Transfer-inside	A4	Successful transaction with fault (Approved)
A5	Successful transaction with fault (Approved)	A6	Successful transaction with fault (Approved)
A7	Security processing failure	B1	No arrears (transaction receipt not printed)
C1	Illegal Status of Acquirer	D1	Incorrect IIN
D2	Date Error	D3	Invalid file type
D4	File processed	D5	No such file
D6	Not supported by Receiver	D7	File locked
D8	Unsuccessful	D9	Incorrect file length
DA	File decompression error	DB	Filename error
DC	File cannot be received	F1	File record format error
F2	File record repeated	F3	File record not existing
F4	File record error	N1	Items not on Bankbook beyond limit, declined
Y1	The offline transaction is successful (only used for IC cards based on UICS debit/credit standard.	Y3	It is unable to be online. The offline transaction is successful (only used for IC cards based on UICS debit/credit standard.
Z1	The offline transaction fails (only used for IC cards based on UICS debit/credit standard.	Z3	It is unable to be online. The offline transaction fails (only used for IC cards based on UICS debit/credit standard.