ResponseCode

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Key	Value
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
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