| AA |
Good |
Approval |
A01 |
| AP |
Good |
Amex Express Rewards Approval |
A01 |
| 87 |
Good |
Approve purchase amount, not cash back amount |
A01 |
| AV |
Good |
Approval, VIP |
A01 |
| 00 |
Good |
Approved |
A01 |
| 85 |
Good |
No reason to decline (account verification) |
A01 |
| NX |
Good |
Acknowledgment of refund request |
A02 |
| 10 |
Good |
Partial approval |
A05 |
| AB |
Good |
Partially Approved |
A05 |
| 02 |
Soft |
Refer to card issuer, special condition |
D01 |
| ND |
Soft |
Decline |
D01 |
| 01 |
Soft |
Refer to card issuer |
D01 |
| 08 |
Soft |
Honor with identification |
D01 |
| 05 |
Soft |
Do not honor |
D01 |
| NS |
Soft |
Decline, Special |
D01 |
| 80 |
Hard |
Invalid date |
D02 |
| 51 |
Soft |
Insufficient funds |
D03 |
| 73 |
Soft |
Over Max Balance (Gift Card) |
D03 |
| NC |
Hard |
Decline, pick up card |
D04 |
| 04 |
Hard |
Pick up card |
D04 |
| F1 |
Hard |
Decline, pick up card (fraud) |
D04 |
| 07 |
Hard |
Pick up card, special condition |
D04 |
| 78 |
Hard |
Invalid account |
D05 |
| 14 |
Hard |
Invalid account number |
D05 |
| 91 |
Hard |
Issuer unavailable |
D06 |
| 15 |
Hard |
No such issuer |
D06 |
| 53 |
Hard |
No savings account |
D06 |
| 39 |
Hard |
No Credit Account |
D06 |
| 52 |
Hard |
No checking account |
D06 |
| 83 |
Soft |
Unable to verify PIN |
D07 |
| NP |
Soft |
PIN Invalid or Retries Exceeded |
D07 |
| 55 |
Soft |
Incorrect PIN |
D07 |
| 63 |
Soft |
Security violation (AMEX CID invalid) |
D08 |
| N7 |
Soft |
Decline for CVV2 |
D08 |
| 82 |
Soft |
Incorrect CVV |
D08 |
| 94 |
Soft |
Duplicate transaction detected |
D09 |
| 41 |
Hard |
Pick up card (lost) |
D10 |
| 43 |
Hard |
Pick up card (stolen card) |
D11 |
| 58 |
Soft |
Transaction not allowed at terminal |
D12 |
| 57 |
Soft |
Transaction not permitted to cardholder |
D12 |
| R1 |
Hard |
Stop payment order on all instances of a specific recurring payment |
D13 |
| R0 |
Hard |
Stop payment order on a specific recurring payment – one time |
D13 |
| R3 |
Hard |
Stop payment order on all instances of all recurring payments – account closed field |
D13 |
| 65 |
Soft |
Activity count limit |
D15 |
| 61 |
Soft |
Exceeds withdrawal amount limit |
D15 |
| 54 |
Hard |
Expired card |
D16 |
| NE |
Hard |
Decline, Expired Card |
D16 |
| 19 |
Soft |
Reenter transaction |
D17 |
| RE |
Soft |
Retry, no response received |
D17 |
| 13 |
Soft |
Invalid amount |
D18 |
| 75 |
Soft |
Allowable number of PIN tries exceeded |
D21 |
| 21 |
Hard |
Unable to back out transaction |
D27 |
| 31 |
Hard |
Merchant not in file (Discover) |
D27 |
| 96 |
Hard |
System malfunction |
D27 |
| 56 |
Hard |
Cardholder not on file (Discover) |
D27 |
| 70 |
Hard |
Card Already Active (Gift Card) |
D27 |
| RJ |
Hard |
Edit reject, not processed |
D27 |
| 06 |
Hard |
Error |
D27 |
| 72 |
Hard |
Cad Already Closed (Gift Card) |
D27 |
| 74 |
Hard |
Invalid Activate (Gift Card) |
D27 |
| 30 |
Hard |
Format error |
D27 |
| 12 |
Hard |
Invalid transaction |
D27 |
| 68 |
Hard |
Response received late |
D27 |
| 32 |
Hard |
Partial reversal (Mastercard) |
D27 |
| 69 |
Hard |
Bad Close (Gift Card) |
D27 |
| 71 |
Hard |
Card Not Active (Gift Card) |
D27 |
| 17 |
Hard |
Customer cancelled |
D27 |
| 62 |
Soft |
Restricted card |
D29 |
| NR |
Soft |
Referral, call bank |
D30 |
| 59 |
Soft |
Referral (Discover) |
D30 |
| 03 |
Soft |
Invalid merchant number |
D33 |
