ResponseCode

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Key
Value

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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