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Transaction Response Codes

Response
Code Short Code Description
﴾Integer﴿

Approved and completed

00 approved
successfully

01 refer_to_issuer Refer to card issuer

Refer to card issuer, special

02 refer_to_issuer_1
condition

03 invalid_merchant Invalid merchant

04 pick_up_card Pick up card ﴾no fraud﴿

05 do_not_honor Do not honor

06 error Error

Pick up card, special condition

07 pick_up_card_fraud
﴾fraud account﴿

10 partial_approval Partial approval

11 approved_vip Approved ﴾V.I.P﴿

12 invalid_transaction Invalid transaction

Invalid amount or currency

13 invalid_amount_or_currency
conversion field overflow

Invalid account number ﴾no such

14 invalid_account_no_number
number﴿

15 no_such_issuer No such issuer

19 reenter_transaction Re‐enter transaction

21 no_action_taken No action taken

25 account_record_not_found Unable to locate record in file

Response
Code Short Code Description
﴾Integer﴿
File temporarily not available for
28 account_not_available
update or inquiry

31 bank_not_supported_by_switch Bank not supported by switch

39 no_credit_account No credit account

41 lost_card_fraud Lost card, pick up ﴾fraud account﴿

Stolen card, pick up ﴾fraud

43 stolen_card_fraud
account﴿

51 not_sufficient_funds Not sufficient funds

52 no_checking_account No checking account

53 no_savings_account No savings account

Expired card or expiration date is

54 expired_card
missing

55 incorrect_or_missing_pin Incorrect PIN or PIN missing

Incorrect PIN or PIN missing

56 incorrect_or_missing_pin_cardpresent
﴾card present﴿

Transaction not allowed to

57 transaction_not_allowed
cardholder

Transaction not allowed at

58 transaction_not_allowed_at_terminal
terminal

59 suspected_fraud Suspected fraud

61 exceeds_approval_amount_limit Exceeds approval amount limit

Restricted account ﴾account

62 restricted_account_geo
invalid in this region or country﴿

Security violation ﴾source is not

63 security_violation
correct issuer﴿

Transaction does not fulfill AML

64 aml_violation
requirement

Exceeds withdrawal frequency

65 withdrawals_frequency_exceeded
limit

70 pin_data_required PIN data required

Response
Code Short Code Description
﴾Integer﴿
Different value than that used for
74 pin_encryption_error
PIN encryption errors

Allowable number of PIN entry

75 pin_entry_attempts_exceeded
tries exceeded

76 unsolicited_reversal Unsolicited reversal

Blocked, first use ﴾transaction

78 card_not_active_firstuse from new cardholder, and card
not properly unblocked﴿

79 already_reversed Already reversed ﴾by Switch﴿

80 no_financial_impact No financial impact

81 cryptographic_error_in_pin Cryptographic error found in PIN

Negative CAM, dCVV, iCVV, or

82 decline_cvv_negative
CVV results

No reason to decline a request

for address verification, CVV2
85 verification_or_return_approved
verification, or a credit voucher
or merchandise return

Cannot verify PIN ﴾for example,

86 cannot_verify_pin
no PVV﴿

Ineligible to receive financial

89 ineligible_for_financial_position_information
position information ﴾GIV﴿

Issuer or switch inoperative and

STIP not applicable or not
available for this transaction;
time‐out when no stand‐in; POS
Check Service: Destination
91 issuer_inoperative_no_stip
unavailable; Credit Voucher and
Merchandise Return
Authorizations: V.I.P. sent the
transaction to the issuer, but the
issuer was unavailable.

Financial institution or
intermediate network facility
92 routing_network_error
cannot be found for routing
﴾receiving institution ID is invalid﴿
Response
Code Short Code Description
﴾Integer﴿
Transaction cannot be
93 legal_violation
completed; violation of law

Additional customer
100 customer_authentication_required
authentication required

Surcharge amount not permitted

101 surcharge_not_permitted on Visa cards or EBT food stamps
﴾U.S. acquirers only﴿

Surcharge amount not supported

102 surcharge_not_supported_by_issuer
by debit network issuer

103 stip_forced Force STIP

104 cash_service_not_available Cash service not available

Cash request exceeds issuer or

105 cash_request_exceeded_limit
approved limit

106 ineligible_for_resubmission Ineligible for resubmission

107 declined_cvv2_failure Decline for CVV2 failure

Transaction amount exceeds

108 decline_amount_exceeds_preauthorization
preauthorized approval amount

Denied PIN unblock; PIN change

109 decline_pin_unblock_denied or unblock request declined by
issuer

Denied PIN change; requested

110 decline_pin_change_denied
PIN unsafe

111 decline_account_authentication_failed Account authentication failed

112 decline_stop_current_recurring Stop payment order

Transaction does not qualify for

113 not_qualified_for_pin
Visa PIN

Revocation of all authorizations

114 decline_stop_all_recurring
order

Unable to go online; offline‐

115 decline_offline
declined

116 decline_duplicate Processor, duplicate transaction

117 decline_invalid_expiry_month Invalid expiry, incorrect month

Response
Code Short Code Description
﴾Integer﴿

118 decline_invalid_expiry_year Invalid expiry, incorrect year

Processor fraud decline,

119 decline_fraud_merchant_blacklist
merchant blacklist

Gateway decline, test account

120 decline_gateway_testaccount_used
esed

121 decline_processor_notsupported Processor, not supported

122 decline_processor_notconfigured Processor, not configured

123 decline_processor_configuration_error Processor, configuration error

Updated cardholder information

124 decline_update_payment_information
available

125 decline_processor_error Processor, error

126 decline_authorization_expired Authorization expired

127 decline_gateway Gateway decline

128 decline_already_voided Voided transaction

9999 unknown unknown

Decline at processor due to

gateway/acquirer/processor‐
129 decline_processor_rule
configured rule; not sent to
network or issuer

Decline at processor due to

130 decline_merchant_rule merchant‐configured rule; not
sent to network or issuer

Transaction was approved, but

131 approved_with_hold
put in manual review

Shopper's card was removed

132 cancelled_card_removed from the terminal before the
transaction finished

Terminal stopped responding for

133 crash_recovery an unknown reason, causing the
transaction to fail

The shopper abandoned the

134 aborted_contactless_fallback transaction after they attempted
Response
Code Short Code Description
﴾Integer﴿
a contactless payment

Shopper cancelled the

135 cancelled_shopper_cancelled
transaction before it finished

Shopper didn't present a card, so

136 cancelled_no_card
the transaction was cancelled

Transaction timed out; shopper

137 timeout_PIN_entry should retry or use an alternate
payment method

Timeout during printing the

138 timeout_while_printing_receipt
receipt

Transaction was cancelled while

139 cancelled_while_printing
printing

Unmapped error occurred;

140 pos_unmapped shopper should retry or use an
alternate payment method

An error occurred while reading

the EMV chip; shopper should
141 error_emv
retry or use an alternate payment
method

142 no_completion_message No completion message received

Unable to get response by

143 no_response
calling the 'lookup' met

144 decline_online Card declined online result

Couldn't find an acquirer account

145 no_acquirer_account
or not specified

Payment details are not

146 error_not_supported_country_and_mcc supported for this country/MCC
combination

147 capture_failed Capture failed

148 pending Transaction pending

PayPal was unable to verify that

the transaction qualifies for Seller
149 address_verification_failed
Protection because the address
Response
Code Short Code Description
﴾Integer﴿
was improperly formatted

The bank account has restrictions

on either the type or number of
payouts allowed; this normally
150 bank_account_restricted
indicates that the bank account
is a savings or other non‐
checking account

The bank account has been

151 account_closed
closed

The bank account has been

152 account_frozen
frozen

The destination bank account is

153 bank_ownership_changed no longer valid because its
branch has changed ownership

The bank could not process this

154 could_not_process
payout

Debit transactions are not

approved on the bank account
155 debit_not_authorized ﴾Stripe requires bank accounts to
be set up for both credit and
debit payouts﴿

156 undeliverable_payouts Undeliverable payouts

157 merchant_cancelled Merchant cancelled

158 timeout Transaction timeout

API error; required field is not

159 error_required_field_not_provided
provided

API/Integration error; missing

160 error_missing_payment_details
payment details

161 no_network_token No network token available

162 error_cvc CVC input error

163 error_incorrect_format Message format is incorrect

Requires action or confirmation

164 requires_action_from_customer
to complete
Response
Code Short Code Description
﴾Integer﴿
Address and CVV verification
165 address_and_cvv_verification_failed
failed

166 authorization_not_found Authorization not found

Transaction amount doesn't

167 amount_mismatch match the original authorization
amount

168 invalid_payment_type Issuer rejected the payment type

The merchant isn't set up for 3D

169 authentication_not_supported_by_merchant
Secure transactions

170 required_details_not_provided Required details aren't provided

171 do_not_retry Do not retry the transaction

Retry the transaction at a later

172 retry_later
time

Card was declined for an

173 revocation_of_authorization
unknown reason

The transaction is refused due to

174 refused_due_to_policy_reason
a policy reason

175 authentication_error 3D Secure error

176 subscription_not_found Unable to locate subscription