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Vantiv Tandem  (real-time) Response Codes:



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

AVS Responses   
Code Message UniPay Code
R Retry, system unavailable or Timed Out 00
E Error 00
U Issuer is unavailable 00
N Neither address nor ZIP matches 45
Z ZIP matches, address does not 47
A Address matches, ZIP does not 4D
Y Address and ZIP both match 4F
G International issuer not participating in AVS 80

CSC Responses   
Code Message UniPay Code
M CVV2/CVC2 value matches M
N CVV2/CVC2 value does not match N
P CVV2/CVC2 value was not processed P
S CVV2/CVC2 was on the card, but the request said it was not S
U CVV2/CVC2 validation was not available U
E Unrecognized reason X
Y Unrecognized reason X