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Issuer response codes
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Error response codes

Issuer response codes

Card transactions can sometimes be declined by the issuer, resulting in failed payment attempts. Airwallex as an acquirer will receive an issuer response code in authorization response from card networks, which can be helpful to understand why it failed. We have put together the below table with all raw issuer response codes, along with an explanation of the potential reason behind the decline and next steps to resolve the decline.

Please note that some of the response codes can be vague and issuing banks do not disclose any additional explanation or information on why a transaction is declined to Airwallex. Oftentimes, the true reason behind the decline can only be understood if the cardholder reaches out to the issuing bank.

Response codeCode descriptionCard brands applicableExplanation
00Authorized successfullyAll card brandsTransaction has been approved by issuer bank successfully
01Contact card issuerVisa, MasterCard & UnionPayThe transaction was declined by the card issuer. The cardholder should contact their issuer for clarification. The shopper can try again after resolving the issue with their issuer, or use another payment method.
03Invalid merchantVisa, MasterCard & UnionPayThe transaction was declined by the card issuer. The cardholder should contact their issuer for clarification. The cardholder can try again after resolving the issue with their issuer, or use another payment method.
04Pick up card (no fraud)Visa, MasterCard & UnionPayCard issuer has requested to retain the card due to potential counterfeit or it being stolen card. This decline code is mostly used in card-present environments, but can sometimes be returned for card-not-present transactions as well
05Do not honorVisa, MasterCard & UnionPayThis is a generic decline code which can have several possible causes. The cardholder is recommended to get in touch with their issuer to understand the reason or try with a different payment method.
06ErrorVisa, MasterCard & UnionPayPayment processing was not successful due to an error. The cardholder is recommended to get in touch with their issuer to understand the reason or try with a different payment method.
07Pick up card, special condition (fraud account)VisaPayment has been declined as the card is suspected to be counterfeit or stolen
10Partial approvalVisa, MasterCard & UnionPayThe card issuer indicated only partial approval of the transaction. Partial transaction success is not supported by Airwallex, hence the transaction has been canceled
11Approved (V.I.P)Visa & UnionPayThe card issuer indicated only partial approval of the transaction. Partial transaction success is not supported by Airwallex, hence the transaction has been canceled
12Invalid transactionVisa, MasterCard & UnionPayThe card issuer has a policy not to approve the specific transaction type on the card. For example, an international transaction is not allowed on a debit card. Shopper should get in touch with issuing bank to understand the reason or try with a different payment method
13Invalid amountVisa, MasterCard & UnionPayThe card issuer has declined the transaction due to format or an amount field error. 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 try with a different payment method.
14Invalid card numberVisa, MasterCard & UnionPayThe card issuer is unable to find the card / account number. The shopper should check if the entered number is correct or get in touch with their issuer to resolve the problem or try with a different payment method
15Invalid issuerVisa, MasterCard & UnionPayThe card number does not belong to an Issuer based on the card range information. The shopper should try with a different payment method
19Re-enter transactionVisaThere was a temporary problem with processing, it is recommended to retry the transaction
21No action takenUnionPayApplicable to UnionPay only. The card issuer has not activated the card or the card is currently dormant. The shopper should get in touch with their issuer to resolve the problem or try with a different payment method
22Operation errorUnionPayApplicable to UnionPay only. The card issuer couldn't process the transaction, it is possible that this transaction type is not allowed as per policy. The shopper should get in touch with their issuer to resolve the problem or try with a different payment method
30Format errorMasterCard & UnionPayThe card issuer does not recognize the transaction details being entered. The shopper should check the transaction details for invalid characters and try again.
34Fraudulent cardUnionPayThe card issuer has identified this transaction as fraudulent, the shopper should check with the issuer to understand the reason or try again with a different payment method.
40Transaction that is not supported by the IssuerUnionPayApplicable to UnionPay only. The card issuer couldn't process the transaction as this transaction type is not allowed as per their policy. The shopper should get in touch with their issuer to resolve the problem or try with a different payment method
41Lost cardVisa, MasterCard & UnionPayThe card was reported as lost, the shopper should be validated for authenticity and be referred to their issuer.
43Stolen cardVisa, MasterCard & UnionPayThe card was reported as stolen, the shopper should be validated for authenticity and be referred to their issuer.
46Closed accountVisaThe card issuer has closed the account, the shopper should verify if entered card details are correct and should not retry with the same card number.
51Insufficient funds/over credit limit / Not sufficient fundsVisa, MasterCard & UnionPayInsufficient funds in the cardholder's account. The shopper can try again after adding funds to their bank account, or use another payment method.
52No checking accountVisaThere is no active checking account linked to card, the shopper should get in touch with the issuer to fix the problem or try with a different payment method
53No saving accountVisaThere is no active savings account linked to card, the shopper should get in touch with the issuer to fix the problem or try with a different payment method
54Expired cardVisa, MasterCard & UnionPayThe card expiration date is in the past. The shopper should correct the date or use another payment method.
55Invalid PINVisa, MasterCard & UnionPayThe shopper has entered an incorrect PIN. The shopper should re-enter their PIN or use another payment method.
57Transaction not permitted to issuer/cardholderVisa, MasterCard & UnionPayThe card issuer has restricted this type of transaction on the card, Ex: Digital wallet top up using prepaid cards. The shopper should try with a different payment method
59Suspected fraudVisa & UnionPayThe card issuer has declined the transaction due to suspicion of fraud, the shopper should try with a different payment method.
61Exceeds withdrawal amount limitVisa, MasterCard & UnionPayThe shopper has exceeded their card limit. The shopper can try again after resolving the issue with their bank, or use another payment method.
62Restricted cardVisa, MasterCard & UnionPayThe card issuer has restricted the card, this could be due to their risk policy or due to the cardholder being delinquent. The shopper should retry with a different payment method
63Security violationVisa & MasterCardThe card issuer indicated a security issue with this card, the shopper can try with another payment method.
64AML requirement failure / Original transaction amount mismatchVisa & UnionPayDeclined by Visa when the transaction fails to comply with Anti-money laundering requirements.
65Exceeds withdrawal count limit / Additional customer authentication requiredVisaVisa only, the shopper has exceeded their card usage frequency limit.
65Exceeds withdrawal count limit / Additional customer authentication requiredMasterCardMasterCard only, transaction has been soft-declined by the card issuer requesting additional authentication.
6PCustomer ID verification failedVisaIdentity verification has failed during completion of a Visa direct transaction, the shopper should validate their details and try again. This failure is not related to card details like CVV2/CVC2
70Contact Card IssuerMasterCardThe transaction has been declined by the card issuer, they have requested the shopper to contact them.
78Invalid/nonexistent account specified (general)Visa & MasterCardThe card issuer has not completely activated & unblocked the new card, please reachout to your card issuer.
79Life CycleMasterCardThe transaction is refused due to invalid card data, please see merchant advice code page for further explanation
80Credit issuer unavailableVisaThe issuing bank cannot be contacted. The shopper should try again or use another payment method.
82PolicyMasterCardThe transaction is refused due to a policy reason, please see merchant advice code page for further explanation
82Negative online CAM, dCVV, iCVV, CVV, or CAVV results or Offline PIN authentication interruptedVisaThe cardholder verification method failed for CAM, dCVV, iCVV, CVV or a service code for card present transactions.
83Fraud / Security violationMasterCardThe transaction is declined by the card issuer for suspicion of fraud, please see merchant advice code page for further explanation
85No reason to declineVisa & MasterCardTransaction is approved by the card issuer, this is generally applicable for zero amount transactions, account verifications and address verifications.
90Decline due to daily cutoff being in progressUnionPayThe card network has declined due to their daily cut-off being in progress, please retry the transaction with the same credentials.
91Authorization Platform or issuer system inoperative / Issuer not availableVisa & UnionPayThe issuing bank cannot be contacted. The shopper should try again or use another payment method.
91Issuer unavailable or switch inoperativeMasterCardThe issuer or issuer processor cannot authorize, for example because of downtime.
92Destination cannot be found for routing / Unable to route transactionVisa , MasterCard & UnionPayThe shopper may have entered an incorrect / test card number as there is no valid route found with entered card number, please verify card details and try again
93Transaction cannot be completed; violation of lawVisa & MasterCardThe issuing bank will not allow this transaction. The shopper should use another payment method.
96System malfunctionVisa , MasterCard & UnionPayThe issuing bank cannot be contacted. The shopper should try again or use another payment method.
1AAuthentication RequiredVisaThe transaction has been soft-declined by the card issuer requesting additional authentication. This generally happens when not using 3DS or applicable SCA exemption in EEA / UK region
R0Stop payment orderVisaThe cardholder requested to stop a specific, single recurring payment transaction. The shopper should be contacted regarding cancellation of this transaction.
R1Revocation of authorisation orderVisaThe cardholder requested to stop all recurring payment transactions related to this order. The shopper should be contacted regarding cancellation of this order.
R3Revocation of all authorisation ordersVisaAll recurring payments have been canceled for the card number. The shopper should be contacted regarding cancellation of all transactions.
N7Decline for CVV2 failureVisaThe card issuer was unable to validate CVV2 or there was an error in validating it, the shopper should try with a different payment method
000ApprovedAMEXTransaction has been approved by issuer bank successfully
100DenyAMEXTransaction has been declined by the card issuer for policy reasons, the shopper should try again with a new payment method
101Expired Card / Invalid Expiration Date--
109Invalid merchantAMEXCard network doesn't recognise the merchant with transaction details, this is to be checked by the acquirer or payment service provider. The merchant should ensure usage of correct MID if they are using AMEX conveyed model
110Invalid amountAMEXThe card issuer has declined the transaction due to format or an amount field error. The shopper should verify the transaction amount with merchant
111Invalid account / Invalid MICR (Travelers Cheque)AMEXThe card issuer is unable to find the card / account number. The shopper should get in touch with their issuer to resolve the problem or try with a different payment method
115Requested function not supportedAMEXThe card issuer doesn't support the transaction type on the card, the shopper should try with a different payment method.
116Not sufficient fundsAMEXInsufficient funds in the cardholder's account. The shopper can try again after adding funds to their bank account, or use another payment method.
119Cardmember not enrolled / not permittedAMEXThe card issuer has declined the transaction as requested service is not enabled for the cardholder. Ex: 3DS authentication or address verification requests
121Limit exceededAMEXThe shopper has exceeded their card usage frequency limit
122Invalid card security code (a.k.a., CID, 4DBC, 4CSC)AMEXThe shopper may have entered an incorrect security code, they should verify the security code.
130Additional customer identification requiredAMEXThe card issuer has soft declined the transaction requesting additional authentication.
181Format errorAMEXThe card issuer declined due to format problems with transaction information, please verify the details submitted to avoid invalid details.
183Invalid currency codeAMEXThe transaction currency is not supported by network, please change currency and try again
187Deny - new card issuedAMEXThe card issuer has declined the transaction as the current card has been replaced. The Shopper should try with the new card number.
189Deny - Canceled or Closed Merchant/SEAMEXThe card network has closed the merchant identifier, the merchant should validate the merchant identifier used in transaction
190National ID mismatchAMEXThe card issuer has declined the transaction as identify verification of shopper has failed, please verify the details submitted
200Deny - Pick up cardAMEXThe card issuer has declined the transactions as the card was reported stolen / lost.
909System Malfunction (Cryptographic error)AMEXThe transaction has been declined due to processing errors with security code or authentication data, the shopper should retry with a different payment method.
912Issuer not availableAMEXThe card issuer is not available to authorize the transaction, the shopper should try again after some time or with a different payment method.
977Invalid Payment PlanAMEXThe card issuer has declined the recurring transaction for invalid frequency / amount, the shopper should verify the transaction details submitted
978Invalid Payment TimesAMEXThe card issuer has declined the recurring transaction for invalid frequency / amount, the shopper should verify the transaction details submitted
000.000.000Transaction succeededJCBThe transaction has been approved by issuer bank successfully
800.100.100Transaction declined for unknown reasonJCBThe card issuer declined the transaction, the reason behind the decline is not known. The shopper should try with a different payment method
800.100.150Transaction declined (refund on gambling tx not allowed)JCBThe card issuer doesn't allow a refund to be processed on a gambling transaction, please use a different payment method to receive credit
800.100.151Transaction declined (invalid card)JCBThe card number provided in the transaction is not valid, the shopper should verify the transaction details
800.100.152Transaction declined by authorization systemJCBThe transaction has been declined by the card network, the reason behind the decline is not known. The shopper should try with a different payment method
800.100.153Transaction declined (invalid CVV)JCBThe card issuer has declined the transaction due to incorrect CVV submitted, the shopper should verify the transaction details provided
800.100.154Transaction declined (transaction marked as invalid)JCBThe card issuer has declined the transaction as the transaction type is not allowed / supported on the card
800.100.155Transaction declined (amount exceeds credit)JCBThe card issuer has declined the transaction as it exceeds the available balance, the shopper should try with a different payment method
800.100.156Transaction declined (format error)JCBThe card issuer does not recognize the transaction details being entered. The shopper should check the transaction details for invalid characters and try again.
800.100.157Transaction declined (wrong expiry date)JCBThe card expiration date is in the past or the entered value is incorrect. The shopper should correct the date or use another payment method.
800.100.158Transaction declined (suspecting manipulation)JCBThe card issuer suspects fraudulent activity, the shopper should retry with a different payment method
800.100.159Transaction declined (stolen card)JCBThe card number used in the transaction is reported to be stolen with the card issuer, the shopper should reach out to the card issuer to resolve this.
800.100.160Transaction declined (card blocked)JCBThe card number used in the transaction is blocked by the card issuer, the shopper should reach out to the card issuer to resolve this.
800.100.161Transaction declined (too many invalid tries)JCBThe card issuer identified too many invalid attempts at payment processing and declined the transaction, the shopper should reach out to the card issuer to resolve this
800.100.162Transaction declined (limit exceeded)JCBThe shopper has exceeded their card limit. The shopper can try again after resolving the issue with their bank, or use another payment method.
800.100.163Transaction declined (maximum transaction frequency exceeded)JCBThe shopper has exceeded their card usage frequency limit.
800.100.164Transaction declined (merchants limit exceeded)JCBThe merchant has exceeded their processing limit
800.100.165Transaction declined (card lost)JCBThe card number used in the transaction is reported to be lost with the card issuer, the shopper should reach out to the card issuer to resolve this.
800.100.168Transaction declined (restricted card)JCBThe card issuer has restricted the card due to policy or delinquency problems, please retry with a different payment method
800.100.169Transaction declined (card type is not processed by the authorization center)JCBThe card type is not allowed for the transaction type. The shopper should try with a different payment method
800.100.170Transaction declined (transaction not permitted)JCBTransaction type is not allowed on the card. Ex: E-commerce purchase on Debit cards. The shopper should try with a different payment method
800.100.171Transaction declined (pick up card)JCBThe card issuer declined the transaction as it was reported stolen
800.100.172Transaction declined (account blocked)JCBThe card issuer declined the transaction as the account is blocked
800.100.173Transaction declined (invalid currency, not processed by authorization center)JCBThe transaction currency is not supported by the network, the merchant should try with a different currency.
800.100.174Transaction declined (invalid amount)JCBThe card issuer has declined the transaction for format errors in the amount field, the shopper should verify the transaction details
800.100.176Transaction declined (account temporarily not available. Please try again later)JCBThe card issuer has identified problems with card account availability, the shopper should try again later
800.100.179Transaction declined (exceeds withdrawal count limit)JCBThe shopper has exceeded their card usage frequency limit.
800.100.190Transaction declined (invalid configuration data)JCBThe card network has declined the transaction due to incorrect configuration, the merchant should verify if the transaction currency is allowed or if amount is in the limit
800.100.192Transaction declined (invalid CVV, Amount has still been reserved on the customer's card and will be released in a few business days.)JCBThe card issuer has declined due to incorrect security code entered, the shopper should verify the transaction details
800.100.195Transaction declined (UserAccount Number/ID unknown)JCBThe card issuer did not find a valid match with provided card number, the shopper should verify the transaction details
800.100.200Refer to Payer due to reason not specifiedJCBThe transaction has been declined due to reasons unknown, the shopper should retry with a different payment method
800.100.201Account or Bank Details IncorrectJCBTransaction could not be routed properly as the card number entered is not valid, the shopper should verify the card details
800.100.202Account ClosedJCBThe card issuer has declined the transaction as card account has been closed, the shopper should retry with a different payment method
800.100.203Insufficient FundsJCBInsufficient funds in the cardholder's account. The shopper can try again after adding funds to their bank account, or use another payment method.
800.100.204Mandate ExpiredJCBThe card issuer declined the recurring transaction as authorization agreement has expired, the shopper should revise the payment method
800.100.205Mandate DiscardedJCBThe card issuer declined the recurring transaction as authorization agreement has been terminated, the shopper should revise the payment method
800.100.402CC/bank account holder not validJCBThe card issuer is unable to find the card / account number. The shopper should get in touch with their issuer to resolve the problem or try with a different payment method
800.100.403Transaction declined (revocation of authorisation order)JCBThe card issuer declined the recurring transaction as authorization agreement has been revoked, the shopper should revise the payment method
800.100.500The card holder has advised his bank to stop this recurring paymentJCBThe recurring transaction has been declined on the request of the cardholder
800.100.501Card holder has advised his bank to stop all recurring payments for this merchantJCBAll recurring transactions will be declined on this card due to the cardholder request