Visa and Mastercard raw responses

These are the most common raw responses from Visa and Mastercard for refused or
cancelled transactions. The response code returns with or without a leading zero.

Last journal type Raw Acquirer Description

Response

Cancelled 00: Approved or The transaction was cancelled after being

completed initially approved by the issuer. This can be
successfully due to various reasons, for example, if the
shopper returns goods after purchase.

Refused 01: Refer to card The transaction was refused by the card
issuer issuer. The shopper should contact their bank
for clarification. The shopper can try again
after resolving the issue with their bank, or
use another payment method.

Refused 03: Invalid merchant The transaction was refused by the card
issuer. The shopper should contact their bank
for clarification. The shopper can try again
after resolving the issue with their bank, or
use another payment method.

Refused 04: Capture card / The card issuer requests to retain the card.
Pick-up This can be due to a suspected counterfeit or
stolen card. This reason is used in an E-
Commerce environment although it originates
from a POS (Point Of Sale) environment.

Refused 05: Do not honor This is a generic refusal that has several
possible causes. The shopper should contact
their issuing bank for clarification.

Refused 06: Error Payment could not be authorised and

resulted in an error. The shopper can try
again or use another payment method.

Refused 07: Pickup card, The card issuer requests to retain the card.
special condition This can be due to a suspected counterfeit or
stolen card.
Last journal type Raw Acquirer Description
Response

Cancelled 10: Partial approval The transaction was cancelled. Some card
issuers support partial-approval authorization.
This approves a part of the requested
transaction, leaving the remainder to be paid
with another form of tender.

Refused 12: Invalid The card issuer does not allow this type of
transaction transaction on this card/account. For
example, the card is a fleet card for which this
type of transaction is not permitted.

Refused 13: Invalid amount The card issuer has declined the transaction
because of an invalid format or field. This
response usually occurs with Cirrus or
Maestro Debit and Prepaid Cards or cards
that are not allowed to do online purchases.
The shopper should retry or use another
payment method.

Refused 14: Invalid card The card issuer is unable to validate the
number card/account number.

Refused 15: Invalid issuer The card number is not within a card number
range supported by the scheme.

Refused 1A: Additional Applies for Visa. Authentication is required for

customer the transaction. If the transaction is in scope
authentication of PSD2 and did not go through a 3D Secure
required transaction, retry with 3D Secure.

Refused 30: Format error The card issuer does not recognize the
transaction details being entered. This is due
to a format error. The shopper should check
the transaction information and retry.

Refused 41: Lost card The card was reported as lost. Validate the
shopper's authenticity and refer them to their
bank.

Refused 43: Stolen card The card was reported as stolen. Validate the
shopper's authenticity and refer them to their
bank.
Last journal type Raw Acquirer Description
Response

Refused 51: Insufficient Insufficient funds in the cardholder's account.

funds/over credit limit The shopper can try again after adding funds
/ Not sufficient funds to their bank account, or use another
payment method.

Refused 54: Expired card The card expiration date is in the past. The
shopper should correct the date or use
another payment method.

Refused 55: Invalid PIN The shopper has entered an incorrect

PIN. The shopper should re-enter their PIN
or use another payment method.

Refused 57: Transaction not The card issuer does not permit the
permitted to transaction on this card/account. The shopper
issuer/cardholder can use another payment method. For
activation or loading of prepaid cards, the
Merchant, acquirer BIN, and issuer BIN are
not all domestic. An issuer's processing
center is not certified to receive transaction-
specific data in TLV format (field 104 in
request message).

Refused 58: Transaction not Card issuer does not permit the transaction
permitted to on this card/account. Shopper can use
acquirer/terminal another payment method or contact their
bank.

Refused 59: Suspected fraud The card issuer or Adyen suspects this
payment to be fraudulent and therefore
refuses. We calculate the fraud score using a
wide range of pre-determined criteria,
read What does the fraud score mean? to
learn more.

Refused 61: Exceeds The shopper has exceeded their card

withdrawal amount limit. The shopper can try again after
limit(s) / Withdrawal resolving the issue with their bank, or use
amount limit another payment method.
exceeded

Refused 62: Restricted card The card issuer has restricted where the card
can be used. For example, because of
embargoes.
Last journal type Raw Acquirer Description
Response

Refused 63: Security violation The card issuer indicated a security issue
with this card. The shopper can use another
payment method. Alternatively, the shopper
can try again after they resolved the issue
with their bank.

Refused 65: Exceeds The shopper has exceeded their card usage
withdrawal count frequency limit. The shopper can use another
limit / Withdrawal payment method or try again with the same
count limit exceeded card after the shopper took care of the card
limit issue.

Refused 65: Authentication Applies for Mastercard. Authentication is

required required for the transaction. If the transaction
is in scope of PSD2 and did not go through a
3D Secure transaction, retry with 3D Secure.

Refused 70: Contact Card The card issuer indicated an issue with this
Issuer card and requests contact from the shopper.
The shopper can use another payment
method. Alternatively the shopper can try
again after they resolved the issue with their
bank.

Refused 75: Allowable The shopper has entered an incorrect PIN

number of PIN tries more times than is allowed by the issuing
exceeded bank. The shopper should retry or use
another payment method.

Refused 78: The transaction is from a new cardholder, and

Invalid/nonexistent the card has not been properly unblocked.
account specified
(general)

Refused 80: Credit issuer The issuing bank cannot be contacted. The
unavailable shopper should retry or use another payment
method.

Authorised 85: No reason to Zero-value auth request authorised.

decline a request for
account number
verification, address
verification, CVV2
verification, or a
Last journal type Raw Acquirer Description
Response

credit voucher or
merchandise return

Authorised 85: Not declined Zero-value auth request authorised.

(Valid for all zero
amount transactions)

Refused 91: Authorization The issuing bank cannot be contacted. The

Platform or issuer shopper should retry or use another payment
system inoperative / method.
Issuer not available

Error 91: Issuer The issuer or issuer processor cannot

unavailable or switch authorize, for example because of downtime.
inoperative

Refused 92: Destination The shopper is using a test card number on

cannot be found for live. The shopper should use another
routing / Unable to payment method.
route transaction

Refused 93: Transaction The issuing bank will not allow this
cannot be transaction. The shopper should use another
completed; violation payment method.
of law

Refused 96: System The issuing bank cannot be contacted. The

malfunction shopper should retry or use another payment
method.