Issuer 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.
| Code | Visa | Mastercard | American Express | UnionPay | |
|---|---|---|---|---|---|
| 00 | Approved or completed successfully | Approved or completed successfully | - | Successful transaction | |
| 01 | Refer to card issuer | Refer to card issuer | - | The cardholder should contact the Issuer | |
| 02 | Refer to card issuer, special condition (can only be used by non-Visa transactions and Japan domestic transactions). | - | - | - | |
| 03 | Invalid merchant or service provider | Invalid merchant or service provider | - | Invalid merchant or service provider | |
| 04 | Pick up card (no fraud) | Pick up card (no fraud) | - | This card is picked up | |
| 05 | Do not honor | Do not honor | - | The cardholder's certification fails | |
| 06 | Error | Error | - | Error | |
| 07 | Pick up card, special condition (fraud account) | - | - | - | |
| 08 | - | Honor with ID | - | - | |
| 10 | Partial approval | Partial approval | - | Display the approved partial amount and prompt the operator | |
| 11 | Approved (V.I.P) | - | - | It is a VIP client | |
| 12 | Invalid transaction | Invalid transaction | - | Invalid transaction | |
| 13 | Invalid amount or currency conversion field overflow | Invalid amount or currency conversion field overflow | - | Invalid amount | |
| 14 | Invalid card number (no such number) | Invalid card number (no such number) | - | Invalid card number | |
| 15 | No such issuer. Invalid issuer | No such issuer. Invalid issuer | - | No Issuer matching this card | |
| 16 | - | - | - | Update the third magnetic track | |
| 19 | Visa only. Re-enter transaction | - | - | - | |
| 20 | - | - | - | Update the QRC | |
| 21 | No action taken | - | - | This card has not been initialized or it is a dormant card | |
| 22 | - | - | - | Operation error | |
| 25 | Unable to locate record in file | - | - | There is no original transaction and please contact the Issuer | |
| 28 | File temporarily not available for update or inquiry | - | - | - | |
| 30 | - | Format error | - | Format error | |
| 34 | - | - | - | Fraudulent card | |
| 38 | - | - | - | The number of PIN entry attempts is beyond the limit | |
| 39 | No credit account | - | - | - | |
| 40 | - | - | - | Transaction that is not supported by the Issuer | |
| 41 | Lost card, pick up (fraud account) | Lost card, pick up (fraud account) | - | The card reported for loss is captured now (ATM). Lost card | |
| 43 | Stolen 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 | |
| 46 | Closed Account. Re-validate the account number for accuracy and do not reattempt with the same PAN or token. | - | - | - | |
| 51 | Insufficient funds/over credit limit | Insufficient funds/over credit limit | - | Insufficient available balance | |
| 52 | No checking account | - | - | - | |
| 53 | No savings account | - | - | - | |
| 54 | Expired card or expiration date is missing | Expired card or expiration date is missing | - | The card expires | |
| 55 | Incorrect PIN or PIN missing | Incorrect PIN or PIN missing | - | Wrong PIN | |
| 57 | Transaction not permitted to issuer/cardholder | Transaction not permitted to issuer/cardholder | - | This card is not allowed for the transaction | |
| 58 | Transaction not permitted to acquirer/terminal | Transaction not permitted to acquirer/terminal | - | The Issuer does not allow this card to be used for this transaction at this terminal | |
| 59 | Suspected fraud | - | - | Error in the card verification | |
| 61 | Exceeds withdrawal amount limit | Exceeds withdrawal amount limit | - | The transaction amount exceeds the limit | |
| 62 | Restricted card (card invalid in region or country) | Restricted card (card invalid in region or country) | - | Restricted card | |
| 63 | Security violation | Security violation | - | - | |
| 64 | Transaction does not fulfill AML requirement | - | - | The transaction amount does not match the original transaction amount | |
| 65 | Exceeds 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 | |
| 70 | PIN Data Required (Europe only) | Contact Card Issuer | - | - | |
| 71 | - | PIN not changed | - | - | |
| 75 | Allowable number of PIN entry tries exceeded | Allowable number of PIN entry tries exceeded | - | The number of PIN tries exceeds the limit | |
| 76 | Unsolicited reversal-reversal with no original transaction in history. V.I.P. unable to match reversal request to an original message | Invalid/nonexistent "To Account" specified | - | - | |
| 77 | - | Invalid/nonexistent "From Account" specified | - | - | |
| 78 | Blocked, first used(Brazil only). Account is temporarily blocked for all transactions | Invalid/nonexistent account specified. | - | - | |
| 79 | Already reversed (by Switch) | Lifecycle (Expired or Stolen or Damaged) | - | - | |
| 80 | No financial impact | - | - | - | |
| 81 | Cryptographic error found in PIN (used for cryptographic error condition found by security module during PIN decryption) | - | - | Domestic debit transaction not allowed | |
| 82 | Negative CAM, dCVV, iCVV, or CVV results | Policy (Validation Rules) | - | Timeout at issuer | |
| 83 | - | Security (Potential Violation) | - | - | - |
| 84 | - | Invalid authorization life cycle | - | - | |
| 85 | No reason to decline a request for address verification, CVV2 verification, or a credit voucher or merchandise return | Not declined (Valid for all zero amount transactions) | - | - | |
| 86 | Cannot verify PIN | Cannot verify PIN | - | - | |
| 87 | - | Purchase amount only, no cash back allowed | - | - | |
| 88 | - | Cryptographic failure | - | - | |
| 89 | Unacceptable PIN— Transaction Declined— Retry | Unacceptable PIN— Transaction Declined— Retry | - | - | |
| 90 | - | - | - | The daily cutoff of the system is in progress. Please retry it later | |
| 91 | Authorization System or issuer system inoperative | Authorization System or issuer system inoperative | - | The Issuer status is abnormal. Please retry it later | |
| 92 | Financial institution or intermediate network facility cannot be found for routing (receiving institution ID is invalid). Unable to route transaction | Financial institution or intermediate network facility cannot be found for routing (receiving institution ID is invalid). Unable to route transaction | - | The connectivity of Issuer is abnormal. Please retry it later | |
| 93 | Transaction cannot be completed - violation of law | Transaction cannot be completed - violation of law | - | - | |
| 94 | 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. | 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 | |
| 96 | System malfunction or certain field error conditions | System malfunction or certain field error conditions | - | Rejected 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 | |
| 000 | - | - | Approved | - | |
| 001 | - | - | Approve with ID | - | |
| 002 | - | - | Partial Approval (Prepaid Cards only) | - | |
| 100 | - | - | Deny | - | |
| 101 | - | - | Expired Card / Invalid Expiration Date | - | |
| 106 | - | - | Exceeded PIN attempts | - | |
| 109 | - | - | Invalid merchant | - | |
| 110 | - | - | Invalid amount | - | |
| 111 | - | - | Invalid account / Invalid MICR (Travelers Cheque) | - | |
| 115 | - | - | Requested function not supported | - | |
| 116 | - | - | Not Sufficient Funds | - | |
| 117 | - | - | Invalid PIN | - | |
| 119 | - | - | Cardmember not enrolled / not permitted | - | |
| 121 | - | - | Limit Exceeded | - | |
| 122 | - | - | Invalid card security code (a.k.a., CID, 4DBC, 4CSC) | - | |
| 125 | - | - | Invalid effective date | - | |
| 130 | - | - | Additional customer identification required | - | |
| 181 | - | - | Format error | - | |
| 183 | - | - | Invalid currency code | - | |
| 187 | - | - | Deny - New card issued | - | |
| 189 | - | - | Deny - Canceled or Closed Merchant/SE | - | |
| 190 | - | - | National ID Mismatch | - | |
| 200 | - | - | Deny - Pick up card | - | |
| 900 | - | - | Accepted - ATC Synchronization | - | |
| 909 | - | - | System Malfunction (Cryptographic error) | - | |
| 912 | - | - | Issuer not available | - | |
| 977 | - | - | Invalid Payment Plan | - | |
| 978 | - | - | Invalid Payment Times | - | |
| 1A | Additional Customer Authentication Required (Europe only) | - | - | Additional customer authentication | |
| 6P | Visa only. Data verification failed | - | - | - | |
| 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 | |
| B1 | Surcharge amount not permitted on Visa cards or EBT food stamps (U.S. acquirers only) | - | - | No debt for this service | |
| B2 | Surcharge amount not supported by debit network issuer. | - | - | - | |
| C1 | - | - | - | The state of the Acquirer is illegal | |
| N0 | Force STIP. Issuers use code when they cannot perform authorization but want STIP to perform it. | - | - | - | |
| N1 | - | - | - | The unregistered account exceeds the limit | |
| N3 | Cash service not available | - | - | - | |
| N4 | Cash request exceeds issuer or approved limit | - | - | - | |
| N5 | Ineligible for resubmission | - | - | - | |
| N7 | Decline for CVV2 failure | - | - | - | |
| N8 | Transaction amount exceeds preauthorized approval amount | - | - | - | |
| P1 | - | - | - | Contact number (e.g. mobile phone number) cannot be found | |
| P5 | Denied PIN unblock-PIN change or unblock request declined by issuer | - | - | - | |
| P6 | Denied PIN change-requested PIN unsafe | - | - | - | |
| Q1 | Card Authentication failed Or Offline PIN authentication interrupted | - | - | - | |
| R0 | Stop Payment Order | - | - | - | |
| R1 | Revocation of Authorization Order | - | - | - | |
| R2 | Transaction does not qualify for Visa PIN | - | - | - | |
| R3 | Revocation of all Authorizations order | - | - | - | |
| Z3 | Unable to go online; offline-declined | - | - | - |