Airwallex logo

Issuer's response codes

This table below includes the response codes that you might receive when processing transactions. Those response codes are returned by the issuers and reflect the outcome of the authorization process.

CodeVisaMastercardUnionPay
00Approved or completed successfullyApproved or completed successfullySuccessful transaction
01Refer to card issuerRefer to card issuerThe cardholder should contact the Issuer
02Refer to card issuer, special condition (can only be used by non-Visa transactions and Japan domestic transactions).--
03Invalid merchant or service providerInvalid merchant or service providerInvalid merchant or service provider
04Pick up card (no fraud)Pick up card (no fraud)This card is picked up
05Do not honorDo not honorThe cardholder's certification fails
06ErrorErrorError
07Pick up card, special condition (fraud account)--
08-Honor with ID-
10Partial approvalPartial approvalDisplay the approved partial amount and prompt the operator
11Approved (V.I.P)-It is a VIP client
12Invalid transactionInvalid transactionInvalid transaction
13Invalid amount or currency conversion field overflowInvalid amount or currency conversion field overflowInvalid amount
14Invalid card number (no such number)Invalid card number (no such number)Invalid card number
15No such issuer. Invalid issuerNo such issuer. Invalid issuerNo Issuer matching this card
16--Update the third magnetic track
19Visa only. Re-enter transaction--
20--Update the QRC
21No action taken-This card has not been initialized or it is a dormant card
22--Operation error
25Unable to locate record in file-There is no original transaction and please contact the Issuer
28File temporarily not available for update or inquiry--
30-Format errorFormat error
34--Fraudulent card
38--The number of PIN entry attempts is beyond the limit
39No credit account--
40--Transaction that is not supported by the Issuer
41Lost card, pick up (fraud account)Lost card, pick up (fraud account)The card reported for loss is captured now (ATM). Lost card
43Stolen card, pick up (fraud account)Stolen card, pick up (fraud account)This card is captured (ATM). Please contact the Issuer. Stolen card
45--Please use IC card
46Closed Account. Re-validate the account number for accuracy and do not reattempt with the same PAN or token.--
51Insufficient funds/over credit limitInsufficient funds/over credit limitInsufficient available balance
52No checking account--
53No savings account--
54Expired card or expiration date is missingExpired card or expiration date is missingThe card expires
55Incorrect PIN or PIN missingIncorrect PIN or PIN missingWrong PIN
57Transaction not permitted to issuer/cardholderTransaction not permitted to issuer/cardholderThis card is not allowed for the transaction
58Transaction not permitted to acquirer/terminalTransaction not permitted to acquirer/terminalThe Issuer does not allow this card to be used for this transaction at this terminal
59Suspected fraud-Error in the card verification
61Exceeds withdrawal amount limitExceeds withdrawal amount limitThe transaction amount exceeds the limit
62Restricted card (card invalid in region or country)Restricted card (card invalid in region or country)Restricted card
63Security violationSecurity violation-
64Transaction does not fulfill AML requirement-The transaction amount does not match the original transaction amount
65Exceeds withdrawal count limit (deprecated)Additional customer authentication required (formerly: Exceeds withdrawal count limit)Exceed the limit for times of withdrawal
68--The transaction times out. Please retry it
70PIN Data Required (Europe only)Contact Card Issuer-
71-PIN not changed-
75Allowable number of PIN entry tries exceededAllowable number of PIN entry tries exceededThe number of PIN tries exceeds the limit
76Unsolicited reversal-reversal with no original transaction in history. V.I.P. unable to match reversal request to an original messageInvalid/nonexistent "To Account" specified
77-Invalid/nonexistent "From Account" specified-
78Blocked, first used(Brazil only). Account is temporarily blocked for all transactionsInvalid/nonexistent account specified.-
79Already reversed (by Switch)Lifecycle (Expired or Stolen or Damaged)-
80No financial impact-
81Cryptographic error found in PIN (used for cryptographic error condition found by security module during PIN decryption)-Domestic debit transaction not allowed
82Negative CAM, dCVV, iCVV, or CVV resultsPolicy (Validation Rules)Timeout at issuer
83-Security (Potential Violation)-
84-Invalid authorization life cycle-
85No reason to decline a request for address verification, CVV2 verification, or a credit voucher or merchandise returnNot declined (Valid for all zero amount transactions)-
86Cannot verify PINCannot verify PIN-
87-Purchase amount only, no cash back allowed-
88-Cryptographic failure-
89Unacceptable PIN— Transaction Declined— RetryUnacceptable PIN— Transaction Declined— Retry-
90--The daily cutoff of the system is in progress. Please retry it later
91Authorization System or issuer system inoperativeAuthorization System or issuer system inoperativeThe Issuer status is abnormal. Please retry it later
92Financial institution or intermediate network facility cannot be found for routing (receiving institution ID is invalid). Unable to route transactionFinancial institution or intermediate network facility cannot be found for routing (receiving institution ID is invalid). Unable to route transactionThe connectivity of Issuer is abnormal. Please retry it later
93Transaction cannot be completed - violation of lawTransaction cannot be completed - violation of law-
94Duplicate transmission.Transaction submitted containing values in tracing data fields that duplicate values in a previously submitted transaction. Note: This code is available in SMS raw data in case of duplicate transmission.Duplicate transmission.Transaction submitted containing values in tracing data fields that duplicate values in a previously submitted transaction. Note: This code is available in SMS raw data in case of duplicate transmission.Rejected for duplicated transaction. Please retry it later
96System malfunction or certain field error conditionsSystem malfunction or certain field error conditionsRejected for switching center malfunction. Please retry it later
97--The terminal number has not been registered
98--The Issuer is time out
99--Error in PIN format. Please re-sign in
1AAdditional Customer Authentication Required (Europe only)-Additional customer authentication
A0--Error in MAC verification. Please resign in
A1--Reserved
A2--The transaction is successful. Please confirm it with the fund transfer-in bank
A3--The recipient account number is incorrect for the fund transfer-in bank
A4--The transaction is successful. Please confirm it with the fund transfer-in bank.
A5--The transaction is successful. Please confirm it with the fund transfer-in bank.
A6--The transaction is successful. Please confirm it with the fund transfer-in bank.
A7--Failure of security processing
B1Surcharge amount not permitted on Visa cards or EBT food stamps (U.S. acquirers only)-No debt for this service
B2Surcharge amount not supported by debit network issuer.--
C1--The state of the Acquirer is illegal
N0Force STIP. Issuers use code when they cannot perform authorization but want STIP to perform it.--
N1--The unregistered account exceeds the limit
N3Cash service not available--
N4Cash request exceeds issuer or approved limit--
N5Ineligible for resubmission--
N7Decline for CVV2 failure--
N8Transaction amount exceeds preauthorized approval amount--
P1--Contact number (e.g. mobile phone number) cannot be found
P5Denied PIN unblock-PIN change or unblock request declined by issuer--
P6Denied PIN change-requested PIN unsafe--
Q1Card Authentication failed Or Offline PIN authentication interrupted--
R0Stop Payment Order--
R1Revocation of Authorization Order--
R2Transaction does not qualify for Visa PIN--
R3Revocation of all Authorizations order--
Z3Unable to go online; offline-declined--