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