Heartland Exchange (real-time) Response Codes:

Transaction Responses

Code	Type	Message	UniPay Code
85	Good	Card OK	A01
00	Good	Approval	A01
65	Soft	Decline	D01
02	Soft	Call	D01
61	Soft	Decline	D01
82	Soft	Cashback Not App	D01
62	Soft	Decline	D01
05	Soft	Decline	D01
80	Hard	Date Error	D02
54	Hard	Expired Card	D02
51	Soft	Decline	D03
07	Hard	Hold-Call	D04
04	Hard	Hold-Call	D04
14	Hard	Card No. Error	D05
15	Hard	No Such Issuer	D05
53	Hard	No Save Account	D06
52	Hard	No Check Account	D06
78	Hard	No Account	D06
55	Soft	Wrong PIN	D07
86	Soft	Cannot Verify PIN	D07
N7	Soft	CVN Mismatch	D08
41	Hard	Hold-Call	D10
43	Hard	Hold-Call	D11
57	Soft	Serv Not Allowed	D12
58	Soft	Serv Not Allowed	D12
EB	Hard	Check Digit Err	D27
12	Hard	Invalid Trans	D27
76	Hard	No Action Taken	D27
19	Hard	Re Enter	D27
97	Hard	Translate Error	D27
63	Hard	Sec Violation	D27
06	Hard	Error XXXX	D27
EC	Hard	CID Format Error	D27
10	Hard	Partial Approval	D27
75	Hard	PIN Exceeded	D27
xx	Hard	xxxxxxxxxxxxxxxx	D27
56	Hard	Invalid Trans	D27
13	Hard	Amount Error	D27
03	Hard	Term Id Error	D27
96	Hard	System Error	D27
77	Hard	No Action Taken	D27
44	Soft	Hold-Call	D30
91	Soft	No Reply	E02

AVS Responses

Code	Message	UniPay Code
Visa
R	Retry, system unavailabe	00
U	Address not verified. Issuer not available and Visa could not stand in (US only)	40
G	Address not verified (International transaction)	40
I	Address information not verified	40
P	Postal code match (Aquirer sent postal code and street address. Street address not verified)	43
N	No match (Aquirer sent postal code and/or street adress)	45
C	Street address and postal code not verified due to incompatible format	45
Z	Postal code matches, street address does not match or was not sent	47
A	Address matches, but ZIP does not match	4D
B	Street address match, postal code not verified due to incompatible format	4D
0	Address verification was not requested	4F
F	Street address and ZIP match (UK only)	4F
Y	Street address and postal code match (US only)	4F
M	Street address and ZIP match	4F
D	Street address and ZIP match	4F

CSC Responses

Code	Message	UniPay Code
M	CVV2 matches	M
N	CVV2 does not match	N
P	Not Processed	P
S	Issuer says CVV2 on card, but not provided in request	S
U	Issuer not certified	U

AVS Responses

Code	Message	UniPay Code
MasterCard
R	Retry, system unable to process	00
U	No data from issuer	40
N	Neither ZIP code nor address match	45
Z	5-digit ZIP code matches, address does not	46
W	9-digit ZIP code matches, address does not	47
A	Address matches, ZIP code does not	4D
Y	5-digit ZIP code and adress match	4E
0	Address verification was not requested	4F
X	9-digit ZIP code and adress match	4F
S	AVS currently not supported (by issuer)	80

CSC Responses

AVS Responses

Code	Message	UniPay Code
Amex
R	System Unavailable; retry	00
U	Information unavailable	40
N	No, Address ans ZIP are both incorrect	45
Z	ZIP only correct	47
A	Address only correct	4D
Y	Yes, Address ans ZIP are both correct	4F
0	Address verification was not requested	4F
D	CM Name incorrect, ZIP matches	53
W	No, CM Name, Address and ZIP are all incorrect	55
F	CM Name incorrect, Address correct	5C
E	CM Name incorrect, Address and ZIP are both correct	5F
K	CM Name matches	70
L	CM Name and Billing ZIP match	73
O	CM Name and Billing Address	7C
M	CM Name, Billing Address and Billing ZIP match	7F
S	Address verification subscribed valid (not subscribed)	80

CSC Responses

AVS Responses

Code	Message	UniPay Code
Discover
R	Retry, system unavailabe	00
I	Address information not verified	40
U	Address not verified. Issuer not available and Visa could not stand in (US only)	40
G	Address not verified (International transaction)	40
P	Postal code match (Aquirer sent postal code and street address. Street address not verified)	43
N	No match (Aquirer sent postal code and/or street adress)	45
C	Street address and postal code not verified due to incompatible format	45
Z	Postal code matches, street address does not match or was not sent	47
B	Street address match, postal code not verified due to incompatible format	4D
Y	Street address and postal code match (US only)	4F
M	Street address and ZIP match	4F
0	Address verification was not requested	4F
D	Street address and ZIP match	4F
F	Street address and ZIP match (UK only)	4F

CSC Responses

Code	Message	UniPay Code
M	CID Matches	M
N	CID does not match	N
P	Not Processed	P
S	CID on card, but merchant says not CID on card	S
U	Issuer not certified	U

Visa