ResponseCode
Upload file type
00
Approved or completed successfully
03
Invalid merchant.04
04
Capture card.
05
Do not honor.
06
Error
07
Pick-up card, special conditions.
12
Invalid transaction
13
Invalid amount.
14
Invalid card number.
15
Invalid issuer.
17
Customer cancellation (0400 only).
20
Invalid response
30
Format error
31
Bank not supported by switch.
32
Partial reversal (0400 only). This response code is for informational purpose only (received with reversals only).
34
Suspect Fraud (0400 only).
39
No credit account.
41
Lost card.
43
Stolen card.
51
Insufficient funds/over credit limit.
52
No checking account.
53
No savings account.
54
Expired card.
55
Invalid PIN.
57
Transaction not permitted to issuer/cardholder
58
Transaction not permitted to acquirer/terminal
59
Suspected fraud.
61
Exceeds withdrawal amount limit.
62
Restricted card.
63
Security violation.
65
Exceeds withdrawal count limit OR Identity Check Soft-Decline of EMV 3DS Authentication (merchant should resubmit authentication with 3DSv1).
68
Response received late.
71
PIN Not Changed
75
Allowable number of PIN tries exceeded.
76
Invalid/nonexistent “To Account” specified.
77
Invalid/nonexistent “From Account” specified
78
Invalid/nonexistent account specified (general).
81
Domestic Debit Transaction Not Allowed (Regional use only)
83
Fraud/Security/Validation fail
84
Invalid Authorization Life Cycle.
86
PIN Validation not possible
88
Cryptographic failure
89
Unacceptable PIN—Transaction Declined—Retry
91
Authorization System or issuer system inoperative
92
Unable to route transaction
93
Transaction cannot be completed, violation of law
94
Duplicate transmission detected.
95
Reconcile error
96
System error
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