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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

CodeDisplayDescription
00 APPROVAL APPROVED
01CALLREFER TO CARD ISSUER
02 CALL REFER TO CARD ISSUER, SPECIAL CONDITION
03TERM ID ERRORINVALID MERCHANT OR SERVICE PROVIDER
04 HOLD-CALL PICK UP CARD (NO FRAUD)
05DECLINEDO NOT HONOR
06 ERROR ERROR
07HOLD-CALLPICK UP CARD, SPECIAL CONDITION(POSSIBLE FRAUD)
10 PARTIAL APPROVED APPROVED PARTIAL
12INVALID TRANSINVALID TRANSACTION
13 AMOUNT ERROR INVALID AMOUNT
14CARD NO. ERRORINVALID ACCOUNT NUMBER
15 NO SUCH ISSUER NO SUCH ISSUER
19RE ENTERRE-ENTER TRANSACTION
21 NO ACTION TAKEN NO ACTION TAKEN
25UNABLE TO LOCATEUNABLE TO LOCATE RECORD IN FILE
28 NO REPLY FILE IS TEMPORARILY UNAVAILABLE
30FORMAT ERRORFORMAT ERROR
34 CALL CALL
39NO CREDIT ACCTNO CREDIT ACCOUNT
41 HOLD-CALL LOST CARD, PICK UP CARD (FRAUD ACCOUNT)
43HOLD-CALLSTOLEN CARD, PICK UP (FRAUD ACCOUNT)
46 DECLINE CLOSED ACCOUNT
51INSUFF FUNDSINSUFFICIENT FUNDS
52 NO CHECK ACCOUNT NO CHECKING ACCOUNT
53NO SAVE ACCOUNTNO SAVINGS ACCOUNT
54 EXPIRED CARD EXPIRED CARD
55WRONG PININCORRECT PIN
57 SERV NOT ALLOWED TRANSACTION NOT PERMITTED TO ISSUER/CARDHOLDER
58SERV NOT ALLOWEDTRANSACTION NOT PERMITTED TO ACQUIRER/TERMINAL
59 CALL SUSPECTED FRAUD
61DECLINEEXCEEDS APPROVAL AMOUNT LIMIT
62 DECLINE RESTRICTED CARD - INVALID IN REGION OR COUNTRY
63SEC VIOLATIONSECURITY VIOLATION
65 DECLINE ACTIVITY COUNT LIMIT EXCEEDED
75PIN EXCEEDEDALLOWABLE NUMBER OF PIN ENTRY TRIES EXCEEDED
76 NO ACTION TAKEN UNABLE TO LOCATE PREVIOUS MESSAGE
77NO ACTION TAKENNO MATCH ON ORIGINAL MESSAGE
78 BLOCKED 1ST USE BLOCKED FIRST USE BY CARDHOLDER
80DECLINEDNO FINANCIAL IMPACT
81 ENCRYPTION ERROR PIN CRYPTOGRAPHIC ERROR FOUND
82CVV ERRORINCORRECT CVV
83 CANT VERIFY PIN UNABLE TO VERIFY PIN
85NOT DECLINEDIssuer has no reason to decline the transaction (CCx0 Account Verification & CCx9/CCxAReturn/Refund)
86 CANT VERIFY PIN CAN NOT VERIFY PIN
91NO REPLYISSUER UNAVAILABLE OR SWITCH INOPERATIVE
92 INVALID ROUTING DESTINATION CANNOT BE FOUND FOR ROUTING
93DECLINETRANSACTION CANNOT BE COMPLETED,VIOLATION
94 CALL DUPLICATE TRANSMISSION DETECTED
96SYSTEM ERRORSYSTEM MALFUNCTION
1A DECLINE ADDITIONAL CUSTOMER AUTHENTICATION REQUIRED
6PDECLINEVerification data failed
B1 DECLINE Surcharge amount not permitted on Visa cards
DAINVALID FLEETRequired fleet prompts invalid or missing
E2 AVS REQUIRED AVS data required
E3CVV2 REQUIREDCVV2 data required
E4 SERV NOT ALLOWED SERV NOT ALLOWED
E5SERV NOT ALLOWEDSERV NOT ALLOWED
E6 SERV NOT ALLOWED SERV NOT ALLOWED
E7TERM ID ERRORTERMINAL ID ERROR
E9 NO REPLY NO REPLY NETWORK
EAACCT LENGTH ERRACCOUNT LENGTH ERROR
EB CHK DIGIT ERROR CHECK DIGIT ERROR
ECCID FORMAT ERRORCID FORMAT ERROR
ED EXPIRED AUTH AUTH IS TO OLD FOR CAPTURE
EERESTRICTED CARDCARD PRODUCT BLOCKED
EF INVALID TRANS BRIC ON PIN TRAN NOT ALLOWED
EHCEM INVALIDINVALID CARD ENTRY METHOD
EI CARD_ID INVALID INVALID CARD ID
EJNO PIN BLKNO PIN BLK
EK SERV NOT ALLOWED PINLESS ROUTING NOT ALLOWED
ELSTORAGE FAILEDBRIC STORAGE FAILED
EM DEBIT SWIPE ONLY DEBIT SWIPE ONLY
ENBRIC RESPONSE TOBRIC RESPONSE TIMEOUT
EO CVV2 MISMATCH CVV2 MISMATCH
EQSYSTEM ERRORNETWORK GATEWAY NOT AVAILABLE
ES DECLINE Transaction not allowed due to failure of internal validations
ETFORMAT ERROREMV data is required for card entry method
EU NO REPLY Network rejected the item
EVNO ACTION TAKENITEM ALREADY CAPTURED
EW FORMAT ERROR FAILED REGEX VALIDATION
EXCHECK NBR REQUIRCHECK NBR REQUIRED
EY RETRY - DIP CARD CONTACTLESS MSD NOT ALLOWED. DIP CARD
N0DECLINEForce STOP
N3 CASHBACK NOT AVL CASH SERVICE NOT AVAILABLE
N4DECLINECASH REQUEST EXCEEDS ISSUER LIMIT
N6 DECLINE DECLINE
N7CVV2 MISMATCHDECLINE FOR CVV2 FAILURE
NR NO DEBIT ROUTE No valid debit network available to route
P2DECLINEInvalid biller information
P5 DECLINE PIN Change/Unblock request declined
P6DECLINEUnsafe PIN
Q1 DECLINE CARD AUTHENTICATION FAILED
R0DECLINEStop Payment Order
R1 DECLINE REVOCATION OF AUTHORIZATION ORDER
R3DECLINEREVOCATION 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.
S4CRYPTO FAILUREPIN BLOCK TRANSLATION ERROR
S5 UNABLE TO LOCATE Unable to locate a matching original purchase transaction
S7INVALID RETURNUnable to locate a matching original purchase transaction
S8 NO AUTHORIZATION Unable to locate a matching authorization
S9TLV TAGS INVALIDTLV TAGS INVALID
Z1 DECLINE Offline declined
Z3DECLINEUnable to go online
00 APPROVAL APPROVED
01CALLCALL
02 CALL CALL
03TERM ID ERRORTERMINAL ID ERROR
04 HOLD-CALL CAPTURE CARD
05DECLINEDECLINE
06 ERROR ERROR
07HOLD-CALLHOLD-CALL
08 HONOR WITH ID HONOR WITH ID
10PARTIAL APPROVEDAPPROVED PARTIAL
12 INVALID TRANS INVALID TRANSACTION

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Mastercard

CodeDisplayDescription
00APPROVALAPPROVED
01CALLCALL
02CALLCALL
03TERM ID ERROR TERMINAL ID ERROR
04HOLD-CALLCAPTURE CARD
05DECLINEDECLINE
06ERRORERROR
07HOLD-CALL HOLD-CALL
08HONOR WITH ID HONOR WITH ID
10PARTIAL APPROVED APPROVED PARTIAL
12INVALID TRANS INVALID TRANSACTION
13AMOUNT ERRORAMOUNT ERROR
14 CARD NO. ERROR CARD NUMBER ERROR
15NO SUCH ISSUERNO SUCH ISSUER
17 DECLINE CUSTOMER CANCEL
19RE ENTERRE ENTER
21 NO ACTION TAKEN NO ACTION TAKEN
25UNABLE TO LOCATEUNABLE TO LOCATE
28 NO REPLY NO REPLY
30CALLFORMAT ERROR
39 NO CREDIT ACCT NO CREDIT ACCOUNT
41HOLD-CALLLOST CARD
43 HOLD-CALL STOLEN CARD
51INSUFF FUNDSINSUFFICIENT FUNDS
52 NO CHECK ACCOUNT NO CHECKING ACCOUNT
53NO SAVE ACCOUNTNO SAVINGS ACCOUNT
54 EXPIRED CARD EXPIRED CARD
55WRONG PINWRONG PIN
57 SERV NOT ALLOWED TRANSACTION NOT PERMITTED TO ISSUER/CARDHOLDER
58SERV NOT ALLOWEDTRANSACTION NOT PERMITTED TO ACQUIRER/TERMINAL
61 DECLINE EXCEEDS WITHDRAWAL AMOUNT LIMIT
62DECLINERESTRICTED CARD
63 SEC VIOLATION SECURITY VIOLATION
65DECLINE DIP CARDEXCEEDS WITHDRAWAL COUNT LIMIT
70 CALL CONTACT CARD ISSUER
75PIN EXCEEDEDNUMBER PIN TRIES EXCEEDED
76 NO ACTION TAKEN UNABLE TO LOCATE PREVIOUS MESSAGE
77NO ACTION TAKENNO MATCH ON ORIGINAL MESSAGE
78 NO ACCOUNT NO ACCOUNT
79DECLINELIFE CYCLE (NEW ABU AVAIL)
80 DATE ERROR DATE ERROR
81SERV NOT ALLOWEDDEBIT TRANSACTION NOT ALLOWED
82 DECLINE POLICY (NEW ABU AVAIL)
83DECLINEFRAUD/SECURITY
84 INVALID ALC INVALID ALC
85NOT DECLINEDIssuer has no reason to decline the transaction (CCx0 Account Verification & CCx9/CCxAReturn/Refund)
86 CANT VERIFY PIN CAN NOT VERIFY PIN
87CASHBACK NOT AVLNO CASH BACK
88 CRYPTO FAILURE CRYPTO FAILURE
89PIN REQUIREDPIN REQUIRED
91 NO REPLY NO REPLY
92INVALID ROUTINGINVALID ROUTING NUMBER
93 DECLINE DECLINE
94DUP TRANSDUPLICATE TRANSMISSION DETECTED
96 SYSTEM ERROR SYSTEM ERROR
1ADECLINEADDITIONAL CUSTOMER AUTHENTICATION REQUIRED
DA INVALID FLEET Required fleet prompts invalid or missing
E2AVS REQUIREDAVS data required
E3 CVV2 REQUIRED CVV2 data required
E4SERV NOT ALLOWEDSERV NOT ALLOWED
E5 SERV NOT ALLOWED SERV NOT ALLOWED
E6SERV NOT ALLOWEDSERV NOT ALLOWED
E7 TERM ID ERROR TERMINAL ID ERROR
E9NO REPLYNO REPLY NETWORK
EA ACCT LENGTH ERR ACCOUNT LENGTH ERROR
EBCHK DIGIT ERRORCHECK DIGIT ERROR
EC CID FORMAT ERROR CID FORMAT ERROR
EDEXPIRED AUTHAUTH IS TO OLD FOR CAPTURE
EE RESTRICTED CARD CARD PRODUCT BLOCKED
EFINVALID TRANSBRIC ON PIN TRAN NOT ALLOWED
EH CEM INVALID INVALID CARD ENTRY METHOD
EICARD_ID INVALIDINVALID CARD ID
EJ NO PIN BLK NO PIN BLK
EKSERV NOT ALLOWEDPINLESS ROUTING NOT ALLOWED
EL STORAGE FAILED BRIC STORAGE FAILED
EMDEBIT SWIPE ONLYDEBIT SWIPE ONLY
EN BRIC RESPONSE TO BRIC RESPONSE TIMEOUT
EOCVV2 MISMATCHCVV2 MISMATCH
EQ SYSTEM ERROR NETWORK GATEWAY NOT AVAILABLE
ESDECLINETransaction not allowed due to failure of internal validations
ET FORMAT ERROR EMV data required
EUNO REPLYNetwork rejected the item
EV NO ACTION TAKEN ITEM ALREADY CAPTURED
EWFORMAT ERRORFAILED REGEX VALIDATION
EX CHECK NBR REQUIR CHECK NBR REQUIRED
EYRETRY - DIP CARDCONTACTLESS MSD NOT ALLOWED. DIP CARD
N3 CASHBACK NOT AVL CASHBACK NOT AVAILABLE
N4DECLINEDECLINE
N6 DECLINE DECLINE
N7CVV2 MISMATCHDECLINE FOR CVV2 FAILURE
NR NO DEBIT ROUTE No valid debit network available to route
RRERRORReference 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
S5UNABLE TO LOCATEUnable to locate a matching original purchase transaction
S7 INVALID RETURN Unable to locate a matching original purchase transaction
S8NO AUTHORIZATIONUnable to locate a matching authorization
S9 TLV TAGS INVALID TLV TAGS INVALID
SADECLINEDLife Cycle - NEW ACCOUNT INFORMATION AVAILABLE
SB DECLINED Life Cycle - CANNOT APPROVE AT THIS TIME, TRY AGAIN LATER
SCDECLINEDLife Cycle - DO NOT TRY AGAIN
SD DECLINED Life Cycle - TOKEN REQUIREMENTS NOT FULFILLED FOR THIS TOKEN TYPE
SEDECLINEDLife Cycle - PAYMENT CANCELLATION
SF DECLINED Life Cycle - MERCHANT DOES NOT QUALIFY FOR PRODUCT CODE
SGDECLINEDPolicy - NEW ACCOUNT INFORMATION AVAILABLE
SH DECLINED Policy - CANNOT APPROVE AT THIS TIME,TRY AGAIN LATER
SIDECLINEDPolicy - DO NOT TRY AGAIN
SJ DECLINED Policy - TOKEN REQUIREMENTS NOT FULFILLED FOR THIS TOKEN TYPE
SKDECLINEDPolicy - PAYMENT CANCELLATION
SL DECLINED Policy - MERCHANT DOES NOT QUALIFY FOR PRODUCT CODE
SMDECLINEDFRAUD/SECURITY - NEW ACCOUNT INFORMATION AVAILABLE
SN DECLINED FRAUD/SECURITY - CANNOT APPROVE AT THIS TIME, TRY AGAIN LATER
SODECLINEDFRAUD/SECURITY - DO NOT TRY AGAIN
SP DECLINED FRAUD/SECURITY - TOKEN REQUIREMENTS NOT FULFILLED FOR THIS TOKEN TYPE
SQDECLINEDFRAUD/SECURITY - PAYMENT CANCELLATION
SR DECLINED FRAUD/SECURITY - MERCHANT DOES NOT QUALIFY FOR PRODUCT CODE
00 APPROVAL APPROVED
01CALLREFER TO CARD ISSUER

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Discover

CodeDisplayDescription
00APPROVALAPPROVED
01CALLREFER TO CARD ISSUER
03TERM ID ERRORINVALID MERCHANT
04HOLD-CALLCAPTURE CARD
05 DECLINE DO NO HONOR
06ERRORERROR
07 HOLD-CALL PICK-UP CARD SPECIAL CONDITION
08HONOR WITH IDHONOR WITH ID
10 PARTIAL APPROVED APPROVED PARTIAL
12INVALID TRANSINVALID TRANSACTION
13 AMOUNT ERROR INVALID AMOUNT
14CARD NO. ERRORINVALID CARD MEMBER
15 NO SUCH ISSUER INVALID ISSUER
19RE ENTERRE-ENTER TRANSACTION
21 NO ACTION TAKEN NO ACTION TAKEN
30CALLFORMAT ERROR
31 CALL BANK NOT SUPPORTED BY SWITCH
33EXPIRED CARDEXPIRED CARD
34 CALL SUSPECTED FRAUD
35CALLCARD ACCEPTOR CONTACT ACQUIRER
36 CALL RESTRICTED CARD
37CALLCALL - SECURITY
38 PIN EXCEEDED ALLOWABLE PIN TRIES EXCEEDED
39NO CREDIT ACCTNO CREDIT ACCOUNT
40 CALL REQUESTED FUNCTION NOT SUPPORTED
41HOLD-CALLLOST CARD
43 HOLD-CALL STOLEN CARD
51DECLINEDECLINE
53 NO SAVE ACCOUNT NO SAVINGS ACCOUNT
54EXPIRED CARDEXPIRED CARD
55 WRONG PIN INVALID PIN
56NO CARD RECORDNO CARD RECORD
57 SERV NOT ALLOWED TRANSACTION NOT PERMITTED TO ISSUER/CARDHOLDER
58SERV NOT ALLOWEDTRANSACTION NOT PERMITTED TO ACQUIRER/TERMINAL
59 DECLINE SUSPECTED FRAUD
60CALLCARD ACCEPTOR ERROR
61 DECLINE EXCEEDS WITHDRAWAL AMOUNT LIMIT
62DECLINERESTRICTED CARD
63 SEC VIOLATION SECURITY VIOLATION
64CALLORIGINAL AMOUNT INCORRECT
65 DECLINE EXCEEDS WITHDRAWAL COUNT LIMIT
66CALLCARD ACCEPTOR ERROR
67 HOLD-CALL HARD CAPTURE - CALL
68CALLRESPONSE RECEIVED TO LATE
75 PIN EXCEEDED ALLOWABLE NUMBER OF PIN TRIES EXCEEDED
76CALLUNABLE TO LOCATE PREVIOUS MESSAGE
77 CALL INVALID/NONEXISTENT FROM ACCOUNT SPECIFIED
78NO ACCOUNTINVALID/NONEXISTENT ACCOUNT SPECIFIED(GENERAL)
85 NOT DECLINED Issuer has no reason to decline the transaction (CCx0 Account Verification & CCx9/CCxAReturn/Refund)
87NO REPLYNETWORK UNAVAILABLE
91 NO REPLY AUTHORIZATION SYSTEM OR ISSUER SYSTEM INOPERATIVE
92INVALID ROUTINGUNABLE TO ROUTE TRANSACTION
93 DECLINE DECLINE
94CALLDUPLICATE TRANSMISSION DETECTED
96 SYSTEM ERROR SYSTEM ERROR
1ADECLINEADDITIONAL CUSTOMER AUTHENTICATION REQUIRED
DA INVALID FLEET Required fleet prompts invalid or missing
E2AVS REQUIREDAVS data required
E3 CVV2 REQUIRED CVV2 data required
E4SERV NOT ALLOWEDSERV NOT ALLOWED
E5 SERV NOT ALLOWED SERV NOT ALLOWED
E6SERV NOT ALLOWEDSERV NOT ALLOWED
E7 TERM ID ERROR TERMINAL ID ERROR
E9NO REPLYNO REPLY NETWORK
EA ACCNT LEN ERROR CHECK DIGIT ERROR
EBCHK DIGIT ERRORCHECK DIGIT ERROR
EC CID FORMAT ERROR CID FORMAT ERROR
EDEXPIRED AUTHAUTH IS TO OLD FOR CAPTURE
EE RESTRICTED CARD CARD PRODUCT BLOCKED
EFINVALID TRANSBRIC ON PIN TRAN NOT ALLOWED
EH CEM INVALID INVALID CARD ENTRY METHOD
EICARD_ID INVALIDINVALID CARD ID
EJ NO PIN BLK NO PIN BLK
EKSERV NOT ALLOWEDPINLESS ROUTING NOT ALLOWED
EL STORAGE FAILED BRIC STORAGE FAILED
EMDEBIT SWIPE ONLYDEBIT SWIPE ONLY
EN BRIC RESPONSE TO BRIC RESPONSE TIMEOUT
EOCVV2 MISMATCHCVV2 MISMATCH
EQ SYSTEM ERROR NETWORK GATEWAY NOT AVAILABLE
ESDECLINETransaction not allowed due to failure of internal validations
ET FORMAT ERROR EMV data required
EUNO REPLYThe network rejected the item
EV NO ACTION TAKEN ITEM ALREADY CAPTURED
EWFORMAT ERRORFAILED REGEX VALIDATION
EX CHECK NBR REQUIR CHECK NBR REQUIRED
EYRETRY - DIP CARDCONTACTLESS MSD NOT ALLOWED. DIP CARD
N6 DECLINE DECLINE
N7CVV AVS MISMATCHCVV2 / AVS FAILURE
NR NO DEBIT ROUTE No valid debit network available to route
RRERRORReference 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
S5UNABLE TO LOCATEUnable to locate a matching original purchase transaction
S7 INVALID RETURN Unable to locate a matching original purchase transaction
S8NO AUTHORIZATIONUnable to locate a matching authorization
S9 TLV TAGS INVALID TLV TAGS INVALID

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American Express

CodeDisplayDescription
00 APPROVAL APPROVED
01PLEASE CALLRefer to card issuer
03 TERM ID ERROR INVALID MERCHANT
04HOLD-CALLDENY-PICK UP CARD
05 DECLINE DENY
06ERRORERROR
10 PARTIAL APPROVAL PARTIAL APPROVAL
13AMOUNT ERRORINVALID AMOUNT
14 INVALID ACCT NBR INVALID ACCOUNT NUMBER
25UNABLE TO LOCATEUNABLE TO LOCATE
30 FORMAT ERROR FORMAT ERROR
38PIN EXCEEDEDPIN EXCEEDED
54 EXPIRED CARD EXPIRED CARD
55WRONG PININVALID PIN
56 NO CARD RECORD NO CARD RECORD
57SERV NOT ALLOWEDTRANSACTION NOT PERMITTED TO ISSUER/CARDHOLDER
58 SERV NOT ALLOWED TRANSACTION NOT PERMITTED TO ACQUIRER/TERMINAL
78NO ACCOUNTINVALID ACCOUNT
85 NOT DECLINED Issuer has no reason to decline the transaction (CCx0 Account Verification & CCx9/CCxAReturn/Refund)
91NO REPLYISSUER NOT AVAILABLE
96 SYSTEM ERROR SYSTEM ERROR
1ADECLINEADDITIONAL CUSTOMER AUTHENTICATION REQUIRED
DA INVALID FLEET Required fleet prompts invalid or missing
E2AVS REQUIREDAVS data required
E3 CVV2 REQUIRED CVV2 data required
E4SERV NOT ALLOWEDSERV NOT ALLOWED
E5 SERV NOT ALLOWED SERV NOT ALLOWED
E6SERV NOT ALLOWEDSERV NOT ALLOWED
E7 TERM ID ERROR TERMINAL ID ERROR
E9NO REPLYNO REPLY NETWORK
EA ACCT LENGTH ERR ACCOUNT LENGTH ERROR
EBCHK DIGIT ERRORCHECK DIGIT ERROR
EC CID FORMAT ERROR CID FORMAT ERROR
EDEXPIRED AUTHAUTH IS TO OLD FOR CAPTURE
EE RESTRICTED CARD CARD PRODUCT BLOCKED
EFINVALID TRANSBRIC ON PIN TRAN NOT ALLOWED
EH CEM INVALID INVALID CARD ENTRY METHOD
EICARD_ID INVALIDINVALID CARD ID
EJ NO PIN BLK NO PIN BLK
EKSERV NOT ALLOWEDPINLESS ROUTING NOT ALLOWED
EL STORAGE FAILED BRIC STORAGE FAILED
EMDEBIT SWIPE ONLYDEBIT SWIPE ONLY
EN BRIC RESPONSE TO BRIC RESPONSE TIMEOUT
EOCVV2 MISMATCHCVV2 MISMATCH
EQ SYSTEM ERROR NETWORK GATEWAY NOT AVAILABLE
ESDECLINETransaction not allowed due to failure of internal validations
ET FORMAT ERROR EMV data is required for card entry method
EUNO REPLYThe network rejected the item
EV NO ACTION TAKEN ITEM ALREADY CAPTURED
EWFORMAT ERRORFAILED REGEX VALIDATION
EX CHECK NBR REQUIR CHECK NBR REQUIRED
EYRETRY - DIP CARDCONTACTLESS MSD NOT ALLOWED. DIP CARD
N6 DECLINE DECLINE
N7CID MISMATCHINVALID CARD (CID) SECURITY CODE
NR NO DEBIT ROUTE No valid debit network available to route
RRERRORReference 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
S5UNABLE TO LOCATEUnable to locate a matching original purchase transaction
S7 INVALID RETURN Unable to locate a matching original purchase transaction
S8NO AUTHORIZATIONUnable to locate a matching authorization
S9 TLV TAGS INVALID TLV TAGS INVALID




American Express Specific Codes – Will only map to NETWORK_RESPONSE


CodeDisplayDescription
000 APPROVAL APPROVED
001APPROVE WITH IDAPPROVE WITH ID
002 PARTIAL APPROVAL PARTIAL APPROVAL
100DECLINEDENY
101 EXPIRED CARD EXPIRED CARD
106PIN EXCEEDEDPIN EXCEEDED
107 PLEASE CALL PLEASE CALL ISSUER
109TERM ID ERRORINVALID MERCHANT
110 AMOUNT ERROR INVALID AMOUNT
111NO ACCOUNTINVALID ACCOUNT
115 SERV NOT ALLOWED SERVICE NOT PERMITTED
116DECLINEINSUFFICIENT FUNDS
117 WRONG PIN INVALID PIN
119NO CARD RECORDNO CARD RECORD
121 DECLINE LIMIT EXCEEDED
125EXPIRED CARDINVALID EFFECTIVE DATE
181 FORMAT ERROR FORMAT ERROR
183DECLINEINVALID CURRENCY CODE
187 INVALID ACCT NBR DENY-NEW CARD ISSUED
189TERM ID ERRORDENY-CANCELED OR CLOSED MERCHANT
200 HOLD-CALL DENY-PICK UP CARD
900SYSTEM ERRORATC SYNCHRONIZATION
909 SYSTEM ERROR SYSTEM MALFUNCTION (CRYPTO ERROR)
912NO REPLYISSUER NOT AVAILABLE

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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 AVAILABLENO NETWORK GATEWAY AVAILABLE
ES DECLINE Transaction not allowed due to failure of internal validations

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