Transaction Response Codes
When processing transactions, credit card networks return various codes in response to transaction requests. Those codes are provided here for credit card and PIN debit transactions, categorized by credit card network:
Visa
| Code | Display | Description |
|---|---|---|
| 00 | APPROVAL | APPROVED |
| 01 | CALL | REFER TO CARD ISSUER |
| 02 | CALL | REFER TO CARD ISSUER, SPECIAL CONDITION |
| 03 | TERM ID ERROR | INVALID MERCHANT OR SERVICE PROVIDER |
| 04 | HOLD-CALL | PICK UP CARD (NO FRAUD) |
| 05 | DECLINE | DO NOT HONOR |
| 06 | ERROR | ERROR |
| 07 | HOLD-CALL | PICK UP CARD, SPECIAL CONDITION(POSSIBLE FRAUD) |
| 10 | PARTIAL APPROVED | APPROVED PARTIAL |
| 12 | INVALID TRANS | INVALID TRANSACTION |
| 13 | AMOUNT ERROR | INVALID AMOUNT |
| 14 | CARD NO. ERROR | INVALID ACCOUNT NUMBER |
| 15 | NO SUCH ISSUER | NO SUCH ISSUER |
| 19 | RE ENTER | RE-ENTER TRANSACTION |
| 21 | NO ACTION TAKEN | NO ACTION TAKEN |
| 25 | UNABLE TO LOCATE | UNABLE TO LOCATE RECORD IN FILE |
| 28 | NO REPLY | FILE IS TEMPORARILY UNAVAILABLE |
| 30 | FORMAT ERROR | FORMAT ERROR |
| 34 | CALL | CALL |
| 39 | NO CREDIT ACCT | NO CREDIT ACCOUNT |
| 41 | HOLD-CALL | LOST CARD, PICK UP CARD (FRAUD ACCOUNT) |
| 43 | HOLD-CALL | STOLEN CARD, PICK UP (FRAUD ACCOUNT) |
| 46 | DECLINE | CLOSED ACCOUNT |
| 51 | INSUFF FUNDS | INSUFFICIENT FUNDS |
| 52 | NO CHECK ACCOUNT | NO CHECKING ACCOUNT |
| 53 | NO SAVE ACCOUNT | NO SAVINGS ACCOUNT |
| 54 | EXPIRED CARD | EXPIRED CARD |
| 55 | WRONG PIN | INCORRECT PIN |
| 57 | SERV NOT ALLOWED | TRANSACTION NOT PERMITTED TO ISSUER/CARDHOLDER |
| 58 | SERV NOT ALLOWED | TRANSACTION NOT PERMITTED TO ACQUIRER/TERMINAL |
| 59 | CALL | SUSPECTED FRAUD |
| 61 | DECLINE | EXCEEDS APPROVAL AMOUNT LIMIT |
| 62 | DECLINE | RESTRICTED CARD - INVALID IN REGION OR COUNTRY |
| 63 | SEC VIOLATION | SECURITY VIOLATION |
| 65 | DECLINE | ACTIVITY COUNT LIMIT EXCEEDED |
| 75 | PIN EXCEEDED | ALLOWABLE NUMBER OF PIN ENTRY TRIES EXCEEDED |
| 76 | NO ACTION TAKEN | UNABLE TO LOCATE PREVIOUS MESSAGE |
| 77 | NO ACTION TAKEN | NO MATCH ON ORIGINAL MESSAGE |
| 78 | BLOCKED 1ST USE | BLOCKED FIRST USE BY CARDHOLDER |
| 80 | DECLINED | NO FINANCIAL IMPACT |
| 81 | ENCRYPTION ERROR | PIN CRYPTOGRAPHIC ERROR FOUND |
| 82 | CVV ERROR | INCORRECT CVV |
| 83 | CANT VERIFY PIN | UNABLE TO VERIFY PIN |
| 85 | NOT DECLINED | Issuer has no reason to decline the transaction (CCx0 Account Verification & CCx9/CCxAReturn/Refund) |
| 86 | CANT VERIFY PIN | CAN NOT VERIFY PIN |
| 91 | NO REPLY | ISSUER UNAVAILABLE OR SWITCH INOPERATIVE |
| 92 | INVALID ROUTING | DESTINATION CANNOT BE FOUND FOR ROUTING |
| 93 | DECLINE | TRANSACTION CANNOT BE COMPLETED,VIOLATION |
| 94 | CALL | DUPLICATE TRANSMISSION DETECTED |
| 96 | SYSTEM ERROR | SYSTEM MALFUNCTION |
| 1A | DECLINE | ADDITIONAL CUSTOMER AUTHENTICATION REQUIRED |
| 6P | DECLINE | Verification data failed |
| B1 | DECLINE | Surcharge amount not permitted on Visa cards |
| DA | INVALID FLEET | Required fleet prompts invalid or missing |
| E2 | AVS REQUIRED | AVS data required |
| E3 | CVV2 REQUIRED | CVV2 data required |
| E4 | SERV NOT ALLOWED | SERV NOT ALLOWED |
| E5 | SERV NOT ALLOWED | SERV NOT ALLOWED |
| E6 | SERV NOT ALLOWED | SERV NOT ALLOWED |
| E7 | TERM ID ERROR | TERMINAL ID ERROR |
| E9 | NO REPLY | NO REPLY NETWORK |
| EA | ACCT LENGTH ERR | ACCOUNT LENGTH ERROR |
| EB | CHK DIGIT ERROR | CHECK DIGIT ERROR |
| EC | CID FORMAT ERROR | CID FORMAT ERROR |
| ED | EXPIRED AUTH | AUTH IS TO OLD FOR CAPTURE |
| EE | RESTRICTED CARD | CARD PRODUCT BLOCKED |
| EF | INVALID TRANS | BRIC ON PIN TRAN NOT ALLOWED |
| EH | CEM INVALID | INVALID CARD ENTRY METHOD |
| EI | CARD_ID INVALID | INVALID CARD ID |
| EJ | NO PIN BLK | NO PIN BLK |
| EK | SERV NOT ALLOWED | PINLESS ROUTING NOT ALLOWED |
| EL | STORAGE FAILED | BRIC STORAGE FAILED |
| EM | DEBIT SWIPE ONLY | DEBIT SWIPE ONLY |
| EN | BRIC RESPONSE TO | BRIC RESPONSE TIMEOUT |
| EO | CVV2 MISMATCH | CVV2 MISMATCH |
| EQ | SYSTEM ERROR | NETWORK GATEWAY NOT AVAILABLE |
| ES | DECLINE | Transaction not allowed due to failure of internal validations |
| ET | FORMAT ERROR | EMV data is required for card entry method |
| EU | NO REPLY | Network rejected the item |
| EV | NO ACTION TAKEN | ITEM ALREADY CAPTURED |
| EW | FORMAT ERROR | FAILED REGEX VALIDATION |
| EX | CHECK NBR REQUIR | CHECK NBR REQUIRED |
| EY | RETRY - DIP CARD | CONTACTLESS MSD NOT ALLOWED. DIP CARD |
| N0 | DECLINE | Force STOP |
| N3 | CASHBACK NOT AVL | CASH SERVICE NOT AVAILABLE |
| N4 | DECLINE | CASH REQUEST EXCEEDS ISSUER LIMIT |
| N6 | DECLINE | DECLINE |
| N7 | CVV2 MISMATCH | DECLINE FOR CVV2 FAILURE |
| NR | NO DEBIT ROUTE | No valid debit network available to route |
| P2 | DECLINE | Invalid biller information |
| P5 | DECLINE | PIN Change/Unblock request declined |
| P6 | DECLINE | Unsafe PIN |
| Q1 | DECLINE | CARD AUTHENTICATION FAILED |
| R0 | DECLINE | Stop Payment Order |
| R1 | DECLINE | REVOCATION OF AUTHORIZATION ORDER |
| R3 | DECLINE | REVOCATION OF ALL AUTHORIZATIONS ORDER |
| RR | ERROR | Reference response tag AUTH_RESP_TEXTfor details of the invalid data supplied in a request tag. If unable to determine the issue, contact the customer support team for further instructions. |
| S4 | CRYPTO FAILURE | PIN BLOCK TRANSLATION ERROR |
| S5 | UNABLE TO LOCATE | Unable to locate a matching original purchase transaction |
| S7 | INVALID RETURN | Unable to locate a matching original purchase transaction |
| S8 | NO AUTHORIZATION | Unable to locate a matching authorization |
| S9 | TLV TAGS INVALID | TLV TAGS INVALID |
| Z1 | DECLINE | Offline declined |
| Z3 | DECLINE | Unable to go online |
| 00 | APPROVAL | APPROVED |
| 01 | CALL | CALL |
| 02 | CALL | CALL |
| 03 | TERM ID ERROR | TERMINAL ID ERROR |
| 04 | HOLD-CALL | CAPTURE CARD |
| 05 | DECLINE | DECLINE |
| 06 | ERROR | ERROR |
| 07 | HOLD-CALL | HOLD-CALL |
| 08 | HONOR WITH ID | HONOR WITH ID |
| 10 | PARTIAL APPROVED | APPROVED PARTIAL |
| 12 | INVALID TRANS | INVALID TRANSACTION |
Mastercard
| Code | Display | Description |
|---|---|---|
| 00 | APPROVAL | APPROVED |
| 01 | CALL | CALL |
| 02 | CALL | CALL |
| 03 | TERM ID ERROR | TERMINAL ID ERROR |
| 04 | HOLD-CALL | CAPTURE CARD |
| 05 | DECLINE | DECLINE |
| 06 | ERROR | ERROR |
| 07 | HOLD-CALL | HOLD-CALL |
| 08 | HONOR WITH ID | HONOR WITH ID |
| 10 | PARTIAL APPROVED | APPROVED PARTIAL |
| 12 | INVALID TRANS | INVALID TRANSACTION |
| 13 | AMOUNT ERROR | AMOUNT ERROR |
| 14 | CARD NO. ERROR | CARD NUMBER ERROR |
| 15 | NO SUCH ISSUER | NO SUCH ISSUER |
| 17 | DECLINE | CUSTOMER CANCEL |
| 19 | RE ENTER | RE ENTER |
| 21 | NO ACTION TAKEN | NO ACTION TAKEN |
| 25 | UNABLE TO LOCATE | UNABLE TO LOCATE |
| 28 | NO REPLY | NO REPLY |
| 30 | CALL | FORMAT ERROR |
| 39 | NO CREDIT ACCT | NO CREDIT ACCOUNT |
| 41 | HOLD-CALL | LOST CARD |
| 43 | HOLD-CALL | STOLEN CARD |
| 51 | INSUFF FUNDS | INSUFFICIENT FUNDS |
| 52 | NO CHECK ACCOUNT | NO CHECKING ACCOUNT |
| 53 | NO SAVE ACCOUNT | NO SAVINGS ACCOUNT |
| 54 | EXPIRED CARD | EXPIRED CARD |
| 55 | WRONG PIN | WRONG PIN |
| 57 | SERV NOT ALLOWED | TRANSACTION NOT PERMITTED TO ISSUER/CARDHOLDER |
| 58 | SERV NOT ALLOWED | TRANSACTION NOT PERMITTED TO ACQUIRER/TERMINAL |
| 61 | DECLINE | EXCEEDS WITHDRAWAL AMOUNT LIMIT |
| 62 | DECLINE | RESTRICTED CARD |
| 63 | SEC VIOLATION | SECURITY VIOLATION |
| 65 | DECLINE DIP CARD | EXCEEDS WITHDRAWAL COUNT LIMIT |
| 70 | CALL | CONTACT CARD ISSUER |
| 75 | PIN EXCEEDED | NUMBER PIN TRIES EXCEEDED |
| 76 | NO ACTION TAKEN | UNABLE TO LOCATE PREVIOUS MESSAGE |
| 77 | NO ACTION TAKEN | NO MATCH ON ORIGINAL MESSAGE |
| 78 | NO ACCOUNT | NO ACCOUNT |
| 79 | DECLINE | LIFE CYCLE (NEW ABU AVAIL) |
| 80 | DATE ERROR | DATE ERROR |
| 81 | SERV NOT ALLOWED | DEBIT TRANSACTION NOT ALLOWED |
| 82 | DECLINE | POLICY (NEW ABU AVAIL) |
| 83 | DECLINE | FRAUD/SECURITY |
| 84 | INVALID ALC | INVALID ALC |
| 85 | NOT DECLINED | Issuer has no reason to decline the transaction (CCx0 Account Verification & CCx9/CCxAReturn/Refund) |
| 86 | CANT VERIFY PIN | CAN NOT VERIFY PIN |
| 87 | CASHBACK NOT AVL | NO CASH BACK |
| 88 | CRYPTO FAILURE | CRYPTO FAILURE |
| 89 | PIN REQUIRED | PIN REQUIRED |
| 91 | NO REPLY | NO REPLY |
| 92 | INVALID ROUTING | INVALID ROUTING NUMBER |
| 93 | DECLINE | DECLINE |
| 94 | DUP TRANS | DUPLICATE TRANSMISSION DETECTED |
| 96 | SYSTEM ERROR | SYSTEM ERROR |
| 1A | DECLINE | ADDITIONAL CUSTOMER AUTHENTICATION REQUIRED |
| DA | INVALID FLEET | Required fleet prompts invalid or missing |
| E2 | AVS REQUIRED | AVS data required |
| E3 | CVV2 REQUIRED | CVV2 data required |
| E4 | SERV NOT ALLOWED | SERV NOT ALLOWED |
| E5 | SERV NOT ALLOWED | SERV NOT ALLOWED |
| E6 | SERV NOT ALLOWED | SERV NOT ALLOWED |
| E7 | TERM ID ERROR | TERMINAL ID ERROR |
| E9 | NO REPLY | NO REPLY NETWORK |
| EA | ACCT LENGTH ERR | ACCOUNT LENGTH ERROR |
| EB | CHK DIGIT ERROR | CHECK DIGIT ERROR |
| EC | CID FORMAT ERROR | CID FORMAT ERROR |
| ED | EXPIRED AUTH | AUTH IS TO OLD FOR CAPTURE |
| EE | RESTRICTED CARD | CARD PRODUCT BLOCKED |
| EF | INVALID TRANS | BRIC ON PIN TRAN NOT ALLOWED |
| EH | CEM INVALID | INVALID CARD ENTRY METHOD |
| EI | CARD_ID INVALID | INVALID CARD ID |
| EJ | NO PIN BLK | NO PIN BLK |
| EK | SERV NOT ALLOWED | PINLESS ROUTING NOT ALLOWED |
| EL | STORAGE FAILED | BRIC STORAGE FAILED |
| EM | DEBIT SWIPE ONLY | DEBIT SWIPE ONLY |
| EN | BRIC RESPONSE TO | BRIC RESPONSE TIMEOUT |
| EO | CVV2 MISMATCH | CVV2 MISMATCH |
| EQ | SYSTEM ERROR | NETWORK GATEWAY NOT AVAILABLE |
| ES | DECLINE | Transaction not allowed due to failure of internal validations |
| ET | FORMAT ERROR | EMV data required |
| EU | NO REPLY | Network rejected the item |
| EV | NO ACTION TAKEN | ITEM ALREADY CAPTURED |
| EW | FORMAT ERROR | FAILED REGEX VALIDATION |
| EX | CHECK NBR REQUIR | CHECK NBR REQUIRED |
| EY | RETRY - DIP CARD | CONTACTLESS MSD NOT ALLOWED. DIP CARD |
| N3 | CASHBACK NOT AVL | CASHBACK NOT AVAILABLE |
| N4 | DECLINE | DECLINE |
| N6 | DECLINE | DECLINE |
| N7 | CVV2 MISMATCH | DECLINE FOR CVV2 FAILURE |
| NR | NO DEBIT ROUTE | No valid debit network available to route |
| RR | ERROR | Reference response tag AUTH_RESP_TEXTfor details of the invalid data supplied in a request tag. If you are unable to determine the issue, contact the customer support team for further instructions. |
| S4 | CRYPTO FAILURE | PIN BLOCK TRANSLATION ERROR |
| S5 | UNABLE TO LOCATE | Unable to locate a matching original purchase transaction |
| S7 | INVALID RETURN | Unable to locate a matching original purchase transaction |
| S8 | NO AUTHORIZATION | Unable to locate a matching authorization |
| S9 | TLV TAGS INVALID | TLV TAGS INVALID |
| SA | DECLINED | Life Cycle - NEW ACCOUNT INFORMATION AVAILABLE |
| SB | DECLINED | Life Cycle - CANNOT APPROVE AT THIS TIME, TRY AGAIN LATER |
| SC | DECLINED | Life Cycle - DO NOT TRY AGAIN |
| SD | DECLINED | Life Cycle - TOKEN REQUIREMENTS NOT FULFILLED FOR THIS TOKEN TYPE |
| SE | DECLINED | Life Cycle - PAYMENT CANCELLATION |
| SF | DECLINED | Life Cycle - MERCHANT DOES NOT QUALIFY FOR PRODUCT CODE |
| SG | DECLINED | Policy - NEW ACCOUNT INFORMATION AVAILABLE |
| SH | DECLINED | Policy - CANNOT APPROVE AT THIS TIME,TRY AGAIN LATER |
| SI | DECLINED | Policy - DO NOT TRY AGAIN |
| SJ | DECLINED | Policy - TOKEN REQUIREMENTS NOT FULFILLED FOR THIS TOKEN TYPE |
| SK | DECLINED | Policy - PAYMENT CANCELLATION |
| SL | DECLINED | Policy - MERCHANT DOES NOT QUALIFY FOR PRODUCT CODE |
| SM | DECLINED | FRAUD/SECURITY - NEW ACCOUNT INFORMATION AVAILABLE |
| SN | DECLINED | FRAUD/SECURITY - CANNOT APPROVE AT THIS TIME, TRY AGAIN LATER |
| SO | DECLINED | FRAUD/SECURITY - DO NOT TRY AGAIN |
| SP | DECLINED | FRAUD/SECURITY - TOKEN REQUIREMENTS NOT FULFILLED FOR THIS TOKEN TYPE |
| SQ | DECLINED | FRAUD/SECURITY - PAYMENT CANCELLATION |
| SR | DECLINED | FRAUD/SECURITY - MERCHANT DOES NOT QUALIFY FOR PRODUCT CODE |
| 00 | APPROVAL | APPROVED |
| 01 | CALL | REFER TO CARD ISSUER |
Discover
| Code | Display | Description |
|---|---|---|
| 00 | APPROVAL | APPROVED |
| 01 | CALL | REFER TO CARD ISSUER |
| 03 | TERM ID ERROR | INVALID MERCHANT |
| 04 | HOLD-CALL | CAPTURE CARD |
| 05 | DECLINE | DO NO HONOR |
| 06 | ERROR | ERROR |
| 07 | HOLD-CALL | PICK-UP CARD SPECIAL CONDITION |
| 08 | HONOR WITH ID | HONOR WITH ID |
| 10 | PARTIAL APPROVED | APPROVED PARTIAL |
| 12 | INVALID TRANS | INVALID TRANSACTION |
| 13 | AMOUNT ERROR | INVALID AMOUNT |
| 14 | CARD NO. ERROR | INVALID CARD MEMBER |
| 15 | NO SUCH ISSUER | INVALID ISSUER |
| 19 | RE ENTER | RE-ENTER TRANSACTION |
| 21 | NO ACTION TAKEN | NO ACTION TAKEN |
| 30 | CALL | FORMAT ERROR |
| 31 | CALL | BANK NOT SUPPORTED BY SWITCH |
| 33 | EXPIRED CARD | EXPIRED CARD |
| 34 | CALL | SUSPECTED FRAUD |
| 35 | CALL | CARD ACCEPTOR CONTACT ACQUIRER |
| 36 | CALL | RESTRICTED CARD |
| 37 | CALL | CALL - SECURITY |
| 38 | PIN EXCEEDED | ALLOWABLE PIN TRIES EXCEEDED |
| 39 | NO CREDIT ACCT | NO CREDIT ACCOUNT |
| 40 | CALL | REQUESTED FUNCTION NOT SUPPORTED |
| 41 | HOLD-CALL | LOST CARD |
| 43 | HOLD-CALL | STOLEN CARD |
| 51 | DECLINE | DECLINE |
| 53 | NO SAVE ACCOUNT | NO SAVINGS ACCOUNT |
| 54 | EXPIRED CARD | EXPIRED CARD |
| 55 | WRONG PIN | INVALID PIN |
| 56 | NO CARD RECORD | NO CARD RECORD |
| 57 | SERV NOT ALLOWED | TRANSACTION NOT PERMITTED TO ISSUER/CARDHOLDER |
| 58 | SERV NOT ALLOWED | TRANSACTION NOT PERMITTED TO ACQUIRER/TERMINAL |
| 59 | DECLINE | SUSPECTED FRAUD |
| 60 | CALL | CARD ACCEPTOR ERROR |
| 61 | DECLINE | EXCEEDS WITHDRAWAL AMOUNT LIMIT |
| 62 | DECLINE | RESTRICTED CARD |
| 63 | SEC VIOLATION | SECURITY VIOLATION |
| 64 | CALL | ORIGINAL AMOUNT INCORRECT |
| 65 | DECLINE | EXCEEDS WITHDRAWAL COUNT LIMIT |
| 66 | CALL | CARD ACCEPTOR ERROR |
| 67 | HOLD-CALL | HARD CAPTURE - CALL |
| 68 | CALL | RESPONSE RECEIVED TO LATE |
| 75 | PIN EXCEEDED | ALLOWABLE NUMBER OF PIN TRIES EXCEEDED |
| 76 | CALL | UNABLE TO LOCATE PREVIOUS MESSAGE |
| 77 | CALL | INVALID/NONEXISTENT FROM ACCOUNT SPECIFIED |
| 78 | NO ACCOUNT | INVALID/NONEXISTENT ACCOUNT SPECIFIED(GENERAL) |
| 85 | NOT DECLINED | Issuer has no reason to decline the transaction (CCx0 Account Verification & CCx9/CCxAReturn/Refund) |
| 87 | NO REPLY | NETWORK UNAVAILABLE |
| 91 | NO REPLY | AUTHORIZATION SYSTEM OR ISSUER SYSTEM INOPERATIVE |
| 92 | INVALID ROUTING | UNABLE TO ROUTE TRANSACTION |
| 93 | DECLINE | DECLINE |
| 94 | CALL | DUPLICATE TRANSMISSION DETECTED |
| 96 | SYSTEM ERROR | SYSTEM ERROR |
| 1A | DECLINE | ADDITIONAL CUSTOMER AUTHENTICATION REQUIRED |
| DA | INVALID FLEET | Required fleet prompts invalid or missing |
| E2 | AVS REQUIRED | AVS data required |
| E3 | CVV2 REQUIRED | CVV2 data required |
| E4 | SERV NOT ALLOWED | SERV NOT ALLOWED |
| E5 | SERV NOT ALLOWED | SERV NOT ALLOWED |
| E6 | SERV NOT ALLOWED | SERV NOT ALLOWED |
| E7 | TERM ID ERROR | TERMINAL ID ERROR |
| E9 | NO REPLY | NO REPLY NETWORK |
| EA | ACCNT LEN ERROR | CHECK DIGIT ERROR |
| EB | CHK DIGIT ERROR | CHECK DIGIT ERROR |
| EC | CID FORMAT ERROR | CID FORMAT ERROR |
| ED | EXPIRED AUTH | AUTH IS TO OLD FOR CAPTURE |
| EE | RESTRICTED CARD | CARD PRODUCT BLOCKED |
| EF | INVALID TRANS | BRIC ON PIN TRAN NOT ALLOWED |
| EH | CEM INVALID | INVALID CARD ENTRY METHOD |
| EI | CARD_ID INVALID | INVALID CARD ID |
| EJ | NO PIN BLK | NO PIN BLK |
| EK | SERV NOT ALLOWED | PINLESS ROUTING NOT ALLOWED |
| EL | STORAGE FAILED | BRIC STORAGE FAILED |
| EM | DEBIT SWIPE ONLY | DEBIT SWIPE ONLY |
| EN | BRIC RESPONSE TO | BRIC RESPONSE TIMEOUT |
| EO | CVV2 MISMATCH | CVV2 MISMATCH |
| EQ | SYSTEM ERROR | NETWORK GATEWAY NOT AVAILABLE |
| ES | DECLINE | Transaction not allowed due to failure of internal validations |
| ET | FORMAT ERROR | EMV data required |
| EU | NO REPLY | The network rejected the item |
| EV | NO ACTION TAKEN | ITEM ALREADY CAPTURED |
| EW | FORMAT ERROR | FAILED REGEX VALIDATION |
| EX | CHECK NBR REQUIR | CHECK NBR REQUIRED |
| EY | RETRY - DIP CARD | CONTACTLESS MSD NOT ALLOWED. DIP CARD |
| N6 | DECLINE | DECLINE |
| N7 | CVV AVS MISMATCH | CVV2 / AVS FAILURE |
| NR | NO DEBIT ROUTE | No valid debit network available to route |
| RR | ERROR | Reference response tag AUTH_RESP_TEXTfor details of the invalid data supplied in a request tag. If you are unable to determine the issue, contact the customer support team for further instructions. |
| S4 | CRYPTO FAILURE | PIN BLOCK TRANSLATION ERROR |
| S5 | UNABLE TO LOCATE | Unable to locate a matching original purchase transaction |
| S7 | INVALID RETURN | Unable to locate a matching original purchase transaction |
| S8 | NO AUTHORIZATION | Unable to locate a matching authorization |
| S9 | TLV TAGS INVALID | TLV TAGS INVALID |
American Express
| Code | Display | Description |
|---|---|---|
| 00 | APPROVAL | APPROVED |
| 01 | PLEASE CALL | Refer to card issuer |
| 03 | TERM ID ERROR | INVALID MERCHANT |
| 04 | HOLD-CALL | DENY-PICK UP CARD |
| 05 | DECLINE | DENY |
| 06 | ERROR | ERROR |
| 10 | PARTIAL APPROVAL | PARTIAL APPROVAL |
| 13 | AMOUNT ERROR | INVALID AMOUNT |
| 14 | INVALID ACCT NBR | INVALID ACCOUNT NUMBER |
| 25 | UNABLE TO LOCATE | UNABLE TO LOCATE |
| 30 | FORMAT ERROR | FORMAT ERROR |
| 38 | PIN EXCEEDED | PIN EXCEEDED |
| 54 | EXPIRED CARD | EXPIRED CARD |
| 55 | WRONG PIN | INVALID PIN |
| 56 | NO CARD RECORD | NO CARD RECORD |
| 57 | SERV NOT ALLOWED | TRANSACTION NOT PERMITTED TO ISSUER/CARDHOLDER |
| 58 | SERV NOT ALLOWED | TRANSACTION NOT PERMITTED TO ACQUIRER/TERMINAL |
| 78 | NO ACCOUNT | INVALID ACCOUNT |
| 85 | NOT DECLINED | Issuer has no reason to decline the transaction (CCx0 Account Verification & CCx9/CCxAReturn/Refund) |
| 91 | NO REPLY | ISSUER NOT AVAILABLE |
| 96 | SYSTEM ERROR | SYSTEM ERROR |
| 1A | DECLINE | ADDITIONAL CUSTOMER AUTHENTICATION REQUIRED |
| DA | INVALID FLEET | Required fleet prompts invalid or missing |
| E2 | AVS REQUIRED | AVS data required |
| E3 | CVV2 REQUIRED | CVV2 data required |
| E4 | SERV NOT ALLOWED | SERV NOT ALLOWED |
| E5 | SERV NOT ALLOWED | SERV NOT ALLOWED |
| E6 | SERV NOT ALLOWED | SERV NOT ALLOWED |
| E7 | TERM ID ERROR | TERMINAL ID ERROR |
| E9 | NO REPLY | NO REPLY NETWORK |
| EA | ACCT LENGTH ERR | ACCOUNT LENGTH ERROR |
| EB | CHK DIGIT ERROR | CHECK DIGIT ERROR |
| EC | CID FORMAT ERROR | CID FORMAT ERROR |
| ED | EXPIRED AUTH | AUTH IS TO OLD FOR CAPTURE |
| EE | RESTRICTED CARD | CARD PRODUCT BLOCKED |
| EF | INVALID TRANS | BRIC ON PIN TRAN NOT ALLOWED |
| EH | CEM INVALID | INVALID CARD ENTRY METHOD |
| EI | CARD_ID INVALID | INVALID CARD ID |
| EJ | NO PIN BLK | NO PIN BLK |
| EK | SERV NOT ALLOWED | PINLESS ROUTING NOT ALLOWED |
| EL | STORAGE FAILED | BRIC STORAGE FAILED |
| EM | DEBIT SWIPE ONLY | DEBIT SWIPE ONLY |
| EN | BRIC RESPONSE TO | BRIC RESPONSE TIMEOUT |
| EO | CVV2 MISMATCH | CVV2 MISMATCH |
| EQ | SYSTEM ERROR | NETWORK GATEWAY NOT AVAILABLE |
| ES | DECLINE | Transaction not allowed due to failure of internal validations |
| ET | FORMAT ERROR | EMV data is required for card entry method |
| EU | NO REPLY | The network rejected the item |
| EV | NO ACTION TAKEN | ITEM ALREADY CAPTURED |
| EW | FORMAT ERROR | FAILED REGEX VALIDATION |
| EX | CHECK NBR REQUIR | CHECK NBR REQUIRED |
| EY | RETRY - DIP CARD | CONTACTLESS MSD NOT ALLOWED. DIP CARD |
| N6 | DECLINE | DECLINE |
| N7 | CID MISMATCH | INVALID CARD (CID) SECURITY CODE |
| NR | NO DEBIT ROUTE | No valid debit network available to route |
| RR | ERROR | Reference response tag AUTH_RESP_TEXTfor details of the invalid data supplied in a request tag. If you are unable to determine the issue, contact the customer support team for further instructions. |
| S4 | CRYPTO FAILURE | PIN BLOCK TRANSLATION ERROR |
| S5 | UNABLE TO LOCATE | Unable to locate a matching original purchase transaction |
| S7 | INVALID RETURN | Unable to locate a matching original purchase transaction |
| S8 | NO AUTHORIZATION | Unable to locate a matching authorization |
| S9 | TLV TAGS INVALID | TLV TAGS INVALID |
American Express Specific Codes – Will only map to NETWORK_RESPONSE
| Code | Display | Description |
|---|---|---|
| 000 | APPROVAL | APPROVED |
| 001 | APPROVE WITH ID | APPROVE WITH ID |
| 002 | PARTIAL APPROVAL | PARTIAL APPROVAL |
| 100 | DECLINE | DENY |
| 101 | EXPIRED CARD | EXPIRED CARD |
| 106 | PIN EXCEEDED | PIN EXCEEDED |
| 107 | PLEASE CALL | PLEASE CALL ISSUER |
| 109 | TERM ID ERROR | INVALID MERCHANT |
| 110 | AMOUNT ERROR | INVALID AMOUNT |
| 111 | NO ACCOUNT | INVALID ACCOUNT |
| 115 | SERV NOT ALLOWED | SERVICE NOT PERMITTED |
| 116 | DECLINE | INSUFFICIENT FUNDS |
| 117 | WRONG PIN | INVALID PIN |
| 119 | NO CARD RECORD | NO CARD RECORD |
| 121 | DECLINE | LIMIT EXCEEDED |
| 125 | EXPIRED CARD | INVALID EFFECTIVE DATE |
| 181 | FORMAT ERROR | FORMAT ERROR |
| 183 | DECLINE | INVALID CURRENCY CODE |
| 187 | INVALID ACCT NBR | DENY-NEW CARD ISSUED |
| 189 | TERM ID ERROR | DENY-CANCELED OR CLOSED MERCHANT |
| 200 | HOLD-CALL | DENY-PICK UP CARD |
| 900 | SYSTEM ERROR | ATC SYNCHRONIZATION |
| 909 | SYSTEM ERROR | SYSTEM MALFUNCTION (CRYPTO ERROR) |
| 912 | NO REPLY | ISSUER NOT AVAILABLE |
ACH
| CODE | DISPLAY | DESCRIPTION |
|---|---|---|
| 00 | ACCEPTED | ACCEPTED |
| 03 | INVALID MERCHANT | INVALID MERCHANT OR SERVICE PROVIDER |
| 06 | ERROR | ERROR |
| 12 | INVALID TRANS | INVALID TRANSACTION |
| 13 | AMOUNT ERROR | INVALID AMOUNT |
| 14 | INVALID ACCT NBR | INVALID ACCOUNT NUMBER |
| 19 | RE ENTER | RE-ENTER TRANSACTION |
| 21 | NO ACTION TAKEN | NO ACTION TAKEN |
| 25 | UNABLE TO LOCATE | UNABLE TO LOCATE RECORD IN FILE |
| 52 | NO CHECK ACCOUNT | NO CHECKING ACCOUNT |
| 53 | NO SAVE ACCOUNT | NO SAVINGS ACCOUNT |
| 58 | SERV NOT ALLOWED | TRANSACTION NOT ALLOWED AT TERMINAL |
| 61 | DECLINE | ACTIVITY AMOUNT LIMIT EXCEEDED |
| 76 | NO ACTION TAKEN | UNABLE TO LOCATE PREVIOUS MESSAGE (NO MATCH ON RRN) |
| 77 | NO ACTION TAKEN | NO MATCH ON ORIGINAL MESSAGE |
| 78 | INVALID RTN NBR | INVALID ROUTING NUMBER |
| 80 | DATE ERROR | INVALID DATE |
| 96 | SYSTEM ERROR | SYSTEM ERROR |
| E1 | INVALID SEC | INVALID OR UNSUPPORTED SEC |
| E7 | TERMINAL ID ERROR | TERMINAL ID ERROR |
| EA | AUTH TO OLD | AUTH TO OLD |
| EQ | NO NETWORK GATEWAY AVAILABLE | NO NETWORK GATEWAY AVAILABLE |
| ES | DECLINE | Transaction not allowed due to failure of internal validations |