| 685 |
Good |
No reason to decline AVS request |
A01 |
| 611 |
Good |
VIP approval |
A01 |
| 762 |
Soft |
Declined - Authorization prohibited |
D01 |
| 696 |
Soft |
System Malfunction |
D01 |
| 734 |
Soft |
Suspected Fraud - Call Center |
D01 |
| 793 |
Soft |
Declined - transaction in violation of law |
D01 |
| 691 |
Soft |
Issuer/switch inoperative |
D01 |
| 605 |
Soft |
Do not honor |
D01 |
| 621 |
Soft |
No action taken, unable to back out prior transaction |
D01 |
| 737 |
Soft |
Call Center |
D01 |
| 796 |
Soft |
Call for authorization - system malfunction |
D01 |
| 705 |
Soft |
Do Not Honor |
D01 |
| 766 |
Soft |
Card acceptor contact acquirer's security |
D01 |
| 759 |
Soft |
Do not honor - Suspected Fraud |
D01 |
| 708 |
Soft |
Honor with ID |
D01 |
| 768 |
Soft |
Response received too late |
D01 |
| 702 |
Soft |
Declined by issuer |
D01 |
| 730 |
Soft |
Message Format Error |
D01 |
| 795 |
Soft |
Issuer/switch inoperative POSA Prepaid Network SAF |
D01 |
| 602 |
Soft |
Refer to card issuer, special condition |
D01 |
| 608 |
Soft |
Honor with identification |
D01 |
| 701 |
Soft |
Honor with identification |
D01 |
| 763 |
Soft |
Security violation |
D01 |
| 697 |
Soft |
Transaction did not contain CVV2 data - retry |
D01 |
| 704 |
Soft |
Please call card issuer |
D01 |
| 735 |
Soft |
Card Acceptor Contact Required |
D01 |
| 668 |
Soft |
Response received late |
D01 |
| 692 |
Soft |
Financial Inst facility cannot be found for routing |
D01 |
| 791 |
Soft |
Issuer/switch inoperative |
D01 |
| 767 |
Soft |
Hard capture (Requires ATM pickup) |
D01 |
| 601 |
Soft |
Refer to card issuer |
D01 |
| 760 |
Soft |
Card acceptor contact acquirer |
D01 |
| 663 |
Soft |
Security violation |
D01 |
| 710 |
Hard |
Invalid effective date on card |
D02 |
| 651 |
Soft |
Insufficient funds |
D03 |
| 751 |
Soft |
Insufficient funds |
D03 |
| 607 |
Hard |
Pick up card (special condition) |
D04 |
| 714 |
Hard |
Decline - pick up card |
D04 |
| 604 |
Hard |
Pick up card |
D04 |
| 704 |
Hard |
Pick up card - No Fraud |
D04 |
| 767 |
Hard |
Pick up card |
D04 |
| 707 |
Hard |
Pick up card (Special Condition) (Fraud Account) |
D04 |
| 715 |
Hard |
Invalid Card Number Prefix |
D05 |
| 615 |
Hard |
No such issuer |
D05 |
| 707 |
Hard |
Format error - invalid account number |
D05 |
| 714 |
Hard |
Invalid Card Number |
D05 |
| 614 |
Hard |
Invalid cardholder account |
D05 |
| 653 |
Hard |
No savings account |
D06 |
| 777 |
Hard |
Invalid/Nonexistent "From" Account |
D06 |
| 753 |
Hard |
Declined - No Savings Account |
D06 |
| 678 |
Hard |
Invalid non-existent account specified (general) |
D06 |
| 739 |
Hard |
No Credit Account |
D06 |
| 792 |
Hard |
Financial Inst facility cannot be found for routing |
D06 |
| 677 |
Hard |
Previous message located for repeat/reversal, but data inconsistent |
D06 |
| 652 |
Hard |
No checking account |
D06 |
| 776 |
Hard |
Invalid/Nonexistent "to" Account |
D06 |
| 752 |
Hard |
No checking account |
D06 |
| 778 |
Hard |
Invalid/Nonexistent Account Specified |
D06 |
| 639 |
Hard |
No credit account |
D06 |
| 676 |
Hard |
Unable to locate previous message |
D06 |
| 681 |
Soft |
Cryptographic error found in PIN or CVV |
D07 |
| 655 |
Soft |
Incorrect PIN |
D07 |
| 683 |
Soft |
Unable to verify PIN |
D07 |
| 755 |
Soft |
Invalid PIN |
D07 |
| 781 |
Soft |
Cryptographic error found in PIN or CVV |
D07 |
| 783 |
Soft |
Unable to verify PIN |
D07 |
| 718 |
Soft |
Invalid Security Code. |
D07 |
| 786 |
Soft |
Cannot verify PIN |
D07 |
| 686 |
Soft |
Cannot verify PIN |
D07 |
| 682 |
Soft |
Incorrect CVV |
D08 |
| 709 |
Soft |
Invalid card security code (CID) |
D08 |
| 782 |
Soft |
Incorrect CVV |
D08 |
| 794 |
Soft |
Call for authorization - duplicate auth request |
D09 |
| 798 |
Soft |
Duplicate Transaction |
D09 |
| 694 |
Soft |
Duplicate transmission detected |
D09 |
| 743 |
Hard |
Pick up - stolen card |
D10 |
| 643 |
Hard |
Stolen card - pick up |
D10 |
| 741 |
Hard |
Pick up - lost card |
D10 |
| 641 |
Hard |
Lost card - pick up |
D10 |
| 758 |
Soft |
Transactions not allowed to terminal |
D12 |
| 658 |
Soft |
Transactions not allowed to terminal |
D12 |
| 757 |
Soft |
Transaction not permitted to issuer/cardholder |
D12 |
| 657 |
Soft |
Transactions not allowed to cardholder |
D12 |
| 708 |
Soft |
Service not valid |
D12 |
| 698 |
Hard |
Recurring payment - cardholder requested specific payment stopped |
D13 |
| 616 |
Hard |
Recurring payment - new account info available |
D13 |
| 809 |
Hard |
Recurring payment - obtain new acct info before next billing cycle |
D13 |
| 618 |
Hard |
Recurring payment - do not try again |
D13 |
| 811 |
Hard |
Recurring payment - obtain another type of payment from customer |
D13 |
| 699 |
Hard |
Recurring payment - cardholder requested all payment stopped |
D13 |
| 617 |
Hard |
Recurring payment - cannot approve |
D13 |
| 810 |
Hard |
Recurring payment - recycle tran 72 hours later |
D13 |
| 637 |
Hard |
Recurring payment - obtain another type of payment from customer |
D13 |
| 790 |
Soft |
Exceeds approval/daily limit. ECHO Override optional. |
D15 |
| 761 |
Soft |
Exceeds withdrawal limit |
D15 |
| 665 |
Soft |
Activity count limit exceeded |
D15 |
| 751 |
Soft |
Declined - over limit account |
D15 |
| 765 |
Soft |
Exceeds withdrawal limit Count limit |
D15 |
| 661 |
Soft |
Exceeds withdrawal/approval amount limits |
D15 |
| 703 |
Hard |
Expiration date check failed |
D16 |
| 733 |
Hard |
Expired Card - Call Center |
D16 |
| 654 |
Hard |
Expired card |
D16 |
| 754 |
Hard |
Expired card |
D16 |
| 619 |
Soft |
Re-enter transaction |
D17 |
| 719 |
Soft |
Re-enter Transaction |
D17 |
| 773 |
Soft |
Over maximum balance (Gift Card) |
D18 |
| 764 |
Soft |
Original amount incorrect |
D18 |
| 706 |
Soft |
Format error - invalid amount |
D18 |
| 713 |
Soft |
Invalid Amount |
D18 |
| 613 |
Soft |
Invalid amount |
D18 |
| 675 |
Soft |
Allowable number of PIN entry tries exceeded |
D21 |
| 738 |
Soft |
Declined PIN attempts |
D21 |
| 717 |
Soft |
Allowable # of PAN tries exceeded |
D21 |
| 775 |
Soft |
Allowable number of PIN tries exceeded |
D21 |
| 796 |
Hard |
System malfunction |
D27 |
| 721 |
Hard |
No action taken - unable to back out prior transaction |
D27 |
| 777 |
Hard |
Previous message located for repeat/reversal, but data inconsistent |
D27 |
| 715 |
Hard |
Invalid transaction for network |
D27 |
| 688 |
Hard |
Switch cannot provide totals now, try again in 30 minutes |
D27 |
| 771 |
Hard |
Card not active (Gift Card) |
D27 |
| 627 |
Hard |
File update field edit error |
D27 |
| 788 |
Hard |
Switch cannot provide totals now, try again in 30 minutes |
D27 |
| 630 |
Hard |
Format error |
D27 |
| 723 |
Hard |
Transaction not defined |
D27 |
| 779 |
Hard |
Already reversed by switch |
D27 |
| 703 |
Hard |
Invalid Merchant |
D27 |
| 787 |
Hard |
Network Unavailable |
D27 |
| 763 |
Hard |
Security violation |
D27 |
| 705 |
Hard |
Format error - invalid merchant ID |
D27 |
| 640 |
Hard |
Requested function not supported |
D27 |
| 693 |
Hard |
Illegal transaction - violation of law |
D27 |
| 776 |
Hard |
Unable to locate previous message |
D27 |
| 732 |
Hard |
Invalid Station ID |
D27 |
| 725 |
Hard |
Unable to locate record in file |
D27 |
| 708 |
Hard |
Invalid format in identification data |
D27 |
| 712 |
Hard |
Network unavailable - please wait |
D27 |
| 728 |
Hard |
File is unavailable |
D27 |
| 612 |
Hard |
Invalid transaction |
D27 |
| 747 |
Hard |
Undeliverable transaction |
D27 |
| 687 |
Hard |
Reconciliation totaling has stopped for current settlement day |
D27 |
| 770 |
Hard |
Card already active (Gift Card) |
D27 |
| 730 |
Hard |
Format error |
D27 |
| 628 |
Hard |
File is unavailable |
D27 |
| 792 |
Hard |
Unable to route transaction |
D27 |
| 680 |
Hard |
Invalid date |
D27 |
| 722 |
Hard |
Unmatched voucher information |
D27 |
| 778 |
Hard |
No "to" account specified |
D27 |
| 716 |
Hard |
Format error |
D27 |
| 689 |
Hard |
Ineligible to receive financial position information (GIV) |
D27 |
| 772 |
Hard |
Card already closed (Gift Card) |
D27 |
| 789 |
Hard |
Ineligible to receive financial position information (GIV) |
D27 |
| 774 |
Hard |
Invalid activate (Gift Card) |
D27 |
| 606 |
Hard |
One or more errors in message |
D27 |
| 724 |
Hard |
ID or Date of Birth Mismatch |
D27 |
| 780 |
Hard |
Invalid date |
D27 |
| 711 |
Hard |
Format error |
D27 |
| 625 |
Hard |
Unable to locate record in file |
D27 |
| 684 |
Hard |
Time limit for a pre-auth is to long |
D27 |
| 791 |
Hard |
Call for authorization - network problems |
D27 |
| 706 |
Hard |
One or more errors in message |
D27 |
| 756 |
Hard |
No card record |
D27 |
| 734 |
Hard |
Enter DL/Date of Birth |
D27 |
| 793 |
Hard |
Illegal transaction - violation of law |
D27 |
| 713 |
Hard |
Invalid currency cod |
D27 |
| 769 |
Hard |
Bad close (Gift Card) |
D27 |
| 740 |
Hard |
Call for authorization function not available |
D27 |
| 729 |
Hard |
Hard Negative Information on File |
D27 |
| 784 |
Hard |
Time limit for a pre-auth is to long |
D27 |
| 679 |
Hard |
Already reversed by switch |
D27 |
| 717 |
Hard |
Host/Card issuer not available |
D27 |
| 731 |
Hard |
Bank not supported by switch. MID not valid for processing |
D27 |
| 736 |
Soft |
Restricted Card - Call Center |
D29 |
| 662 |
Soft |
Restricted card |
D29 |
| 762 |
Soft |
Restricted card |
D29 |
| 726 |
Soft |
ID Restrictions |
D29 |
| 603 |
Soft |
Invalid merchant |
D33 |
| 768 |
Soft |
Merchant Depleted (Gift Card) |
D34 |
| 758 |
Soft |
Merchant closed or merchant not authorized for auth type |
D34 |
