Credit Card Validation Error Messages In SecurePay

Article Number: 693 | Rating: Unrated | Last Updated: Fri, Sep 2, 2016 at 2:00 PM

Summary:

Brief explanation of what the Error Message column on the Failed tab means in SecurePay.

Solution:

What appears in the Error Message column depends on the processor being used by the merchant. Oftentimes the result is simply just an error code of some sort. Just what these error codes correspond to is also up to the processor. The one universal result is that 00 is a confirmation. Anything other than that is a decline for one reason or another. The following is a table with some common response codes and what they mean to most processors. NOTE: If you want to be certain, verify with the processor in question.

Code	Response Reason
0	Approved
1	Refer to Card Issuer
2	Refer to Issuer's special conditions
3	Invalid Merchant
4	Pick Up Card
5	Do Not Honor
6	Error
7	Pick Up Card, Special Conditions
8	Honor with identification
9	Request in Progress
10	Partial Amount Approved
11	VIP Approval
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 (no match)
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
27	File Update Field Edit Error
28	File Update File Locked Out
29	File Update not Successful
30	Format Error
31	Bank not Supported by Switch
32	Completed Partially
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
42	No Universal Amount
43	Stolen Card - Pick Up
44	No Investment Account
51	Insufficient Funds
52	No Cheque Account
53	No Savings Account
54	Expired Card
55	Incorrect PIN
56	No Card Record
57	Trans. not Permitted to Cardholder
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	Card Acceptor Call Acquirer Security
67	Hard Capture - Pick Up Card at ATM
68	Response Received Too Late
75	Allowable PIN Tries Exceeded
76	Previous message not found
77	Data does not match original message
80	Invalid Date
81	Cryptographic failure
82	Incorrect CVV
83	Unable to verify PIN
84	Invalid authorization life cycle
85	No reason to decline
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	Trans Cannot be Completed
94	Duplicate Transmission
95	Reconcile Error
96	System Malfunction
97	Reconciliation Totals Reset
98	MAC Error
99	Reserved for National Use
N0	Force STIP (VISA)
N3	Cash Service Not Available (VISA)
N4	Cash request exceeds issuer limit (VISA)
N7	Decline for CVV2 failure (VISA)
P2	Invalid biller information (VISA)
P5	PIN Change Unblock Declined (VISA)
P6	Unsafe PIN (VISA)
XA	Forward to issuer
XD	Forward to issuer