Card Response Codes

00

Approved

01

Refer to Card Issuer

02

Refer to Issuer’s Special Conditions

03

Invalid Merchant ID

04

Pick Up Card ( No Fraud ), ( Hard Decline, DO NOT RETRY )

05

Do Not Honor

06

Error

07

Pick Up Card, Special Conditions ( Fraud ), ( Hard Decline, DO NOT RETRY )

08

Honor with Identification

09

Request in Progress

10

Partial Amount Approved

11

Approved VIP

12

Invalid Transaction, ( Hard Decline, DO NOT RETRY )

13

Invalid Amount

14

Invalid Card Number ( No Such Number ), ( Hard Decline, DO NOT RETRY )

15

No Such Issuer ( First 8 Digits Of Account Number Do Not Relate To An Issuing Identifier ), ( Hard Decline, DO NOT RETRY )

16

Approved, Update Track 3

17

Customer Cancellation

18

Customer Dispute

19

Re-enter Transaction

20

Invalid Response

21

No Action Taken

22

Suspected Malfunction

23

Unacceptable Transaction Fee

24

File Update not Supported by Receiver

25

Unable to Locate Record on File

26

Duplicate File Update Record, old record replaced

27

File Update Field Edit Error

28

File Update File Locked Out

29

File Update not Successful, contact acquirer

30

Format Error

31

Bank not Supported by Switch

32

Completed Partially

• Successful tokenization without authorization will return this status code.
• Merchant QR code will also return this status after sending QR data to merchant.

33

Expired Card - Pick Up

34

Suspected Fraud - Pick Up

35

Contact Acquirer - Pick Up

36

Restricted Card - Pick Up

37

Call Acquirer Security - Pick Up

38

Allowable PIN Tries Exceeded

39

No Credit Account

40

Requested Function Not Supported

41

Lost Card - Pick Up, ( Hard Decline, DO NOT RETRY )

42

No Universal Amount

43

Stolen Card - Pick Up, ( Hard Decline, DO NOT RETRY )

44

No Investment Account

45

Settlement Success

46

Closed Account

47

Cancel Success

48

Cancel Fail

49

No Transaction Reference Number

50

Host Down

51

Insufficient Funds

52

No Chequing Account

53

No Savings Account

54

Expired Card

55

Incorrect PIN

56

No Card Record

57

Transaction Not Permitted to Cardholder, ( Hard Decline, DO NOT RETRY )

58

Transaction Not Permitted to Terminal

59

Suspected Fraud

60

Card Acceptor Contact Acquirer

61

Exceeds Withdrawal Amount Limits

62

Restricted Card

63

Security Violation

64

Original Amount Incorrect

65

Exceeds Withdrawal Frequency Limit

66

Call Acquirer Security Department

67

Hard Capture - Pick Up Card at ATM

68

Response Received Too Late

69

Reserved

70

Settlement amount cannot exceed authorized amount

71

Inquiry Record Not Exist

72

Reserved

73

Reserved

74

Reserved

75

Allowable PIN Tries Exceeded

76

Invalid Credit Card Format

77

Invalid Expiry Date Format

78

Invalid Three Digits Format

79

Reserved

80

User Cancellation by closing internet browser

81

Unable to authenticate cardholder

82

Reserved

83

Reserved

84

Reserved

85

Reserved

86

ATM Malfunction

87

No Envelope Inserted

88

Unable to Dispense

89

Administration Error

90

Cut-off in Progress

91

Issuer or Switch is Inoperative

92

Financial Institution not Found

93

Transaction Cannot be Completed

94

Duplicate Transmission

95

Reconcile Error

96

System Malfunction

97

Reconciliation Totals Reset

98

MAC Error

99

Internal Checks Failed or Acquirer Timed-Out

R0

Stop Payment Order, ( Hard Decline, DO NOT RETRY )

R1

Revocation of Authorization Order, ( Hard Decline, DO NOT RETRY )

R3

Revocation of All Authorization Order, ( Hard Decline, DO NOT RETRY )