Response codes from credit card networks
The following list contains the most common response
00
Approved and completed successfully
01
Refer to card issuer
02
Refer to card issuer, special condition
03
Invalid merchant
04
Pick up card (no fraud)
05
Do not honor
06
Error
07
Pick up card, special condition (fraud account)
10
Partial approval
11
Approved (V.I.P)
12
Invalid transaction
13
Invalid amount or currency conversion field overflow
14
Invalid account number (no such number)
15
No such issuer
19
Re-enter transaction
21
No action taken
25
Unable to locate record in file
28
File temporarily not available for update or inquiry
39
No credit account
41
Lost card, pick up (fraud account)
42
Stolen card, pick up (fraud account)
51
Not sufficient funds
52
No checking account
53
No savings account
54
Expired card or expiration date is missing
55
Incorrect PIN or PIN missing
57
Transaction not permitted to cardholder
58
Transaction not allowed at terminal
59
Suspected fraud
61
Exceeds approval amount limit
62
Restricted card (card invalid in this region or country)
63
Security violation (source is not correct issuer)
64
Transaction does not fulfill AML requirement
65
Exceeds withdrawal frequency limit
70
PIN data required
74
Different value than that used for PIN encryption errors
75
Allowable number of PIN entry tries exceeded
76
Unsolicited reversal
78
“Blocked, first used”—Transaction from new cardholder, and card not properly unblocked
79
Already reversed (by Switch)
80
No financial impact
81
Cryptographic error found in PIN
82
Negative CAM, dCVV, iCVV, or CVV results
85
No reason to decline a request for address verification, CVV2 verification, or a credit voucher or merchandise return
86
Cannot verify PIN; for example, no PVV
89
Ineligible to receive financial position information (GIV)
91
Issuer or switch inoperative and STIP not applicable or not available for this transaction; Time-out when no stand-in; POS Check Service: Destination unavailable; Credit Voucher and Merchandise Return Authorizations: V.I.P. sent the transaction to the issuer, but the issuer was unavailable.
92
Financial institution or intermediate network facility cannot be found for routing (receiving institution ID is invalid)
93
Transaction cannot be completed - violation of law
1A
Additional customer authentication required
B1
Surcharge amount not permitted on Visa cards or EBT food stamps (U.S. acquirers only)
B2
Surcharge amount not supported by debit network issuer
N0
Force STIP
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
P5
Denied PIN unblock—PIN change or unblock request declined by issuer
P6
Denied PIN change—requested PIN unsafe
Q1
Card Authentication failed
R0
Stop Payment Order
R2
Transaction does not qualify for Visa PIN
R3
Revocation of all authorizations order
Z3
Unable to go online; offline-declined
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