These docs are for v4.0.2. Click to read the latest docs for v4.3.0.

Card Response Codes

Response Code

Description

00

Approved

01

Refer to Card Issuer

02

Refer to Issuer’s Special Conditions

03

Invalid Merchant ID

04

Pick Up Card

05

Do Not Honor

06

Error

07

Pick Up Card, Special Conditions

08

Honor with Identification

09

Request in Progress

10

Partial Amount Approved

11

Approved VIP

12

Invalid Transaction

13

Invalid Amount

14

Invalid Card Number

15

No Such Issuer

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.
33Expired Card - Pick Up
34Suspected Fraud - Pick Up
35Contact Acquirer - Pick Up
36Restricted Card - Pick Up
37Call Acquirer Security - Pick Up
38Allowable PIN Tries Exceeded
39No Credit Account
40Requested Function Not Supported
41Lost Card - Pick Up
42No Universal Amount
43Stolen Card - Pick Up
44No Investment Account
45Settlement Success
46Settlement Fail
47Cancel Success
48Cancel Fail
49No Transaction Reference Number
50Host Down
51Insufficient Funds
52No Chequing Account
53No Savings Account
54Expired Card
55Incorrect PIN
56No Card Record
57Transaction Not Permitted to Cardholder
58Transaction Not Permitted to Terminal
59Suspected Fraud
60Card Acceptor Contact Acquirer
61Exceeds Withdrawal Amount Limits
62Restricted Card
63Security Violation
64Original Amount Incorrect
65Exceeds Withdrawal Frequency Limit
66Call Acquirer Security Department
67Hard Capture - Pick Up Card at ATM
68Response Received Too Late
69Reserved
70Settlement amount cannot exceed authorized amount
71Inquiry Record Not Exist
72Reserved
73Reserved
74Reserved
75Allowable PIN Tries Exceeded
76Invalid Credit Card Format
77Invalid Expiry Date Format
78Invalid Three Digits Format
79Reserved
80User Cancellation by closing internet browser
81Unable to authenticate cardholder
82Reserved
83Reserved
84Reserved
85Reserved
86ATM Malfunction
87No Envelope Inserted
88Unable to Dispense
89Administration Error
90Cut-off in Progress
91Issuer or Switch is Inoperative
92Financial Institution not Found
93Transaction Cannot be Completed
94Duplicate Transmission
95Reconcile Error
96System Malfunction
97Reconciliation Totals Reset
98MAC Error
99Internal Checks Failed or Acquirer Timed-Out