| 93 |
Good |
Approved High Fraud |
A01 |
| 08 |
Good |
Approved Authorization, Honor with Identification |
A01 |
| 00 |
Good |
Approved |
A01 |
| 91 |
Good |
Approved Low Fraud |
A01 |
| 29 |
Good |
Provided Authorization |
A01 |
| 11 |
Good |
Approved Authorization, VIP Approval |
A01 |
| 94 |
Good |
Approved Fraud Service Unavailable |
A01 |
| 92 |
Good |
Approved Medium Fraud |
A01 |
| 34 |
Good |
Approved for Partial |
A05 |
| PA |
Good |
Partial Approval |
A05 |
| 63 |
Soft |
Do Not Honor Unavailable Fraud |
D01 |
| 05 |
Soft |
Do Not Honor |
D01 |
| 61 |
Soft |
Do Not Honor Medium Fraud |
D01 |
| 62 |
Soft |
Do Not Honor High fraud |
D01 |
| 09 |
Soft |
Revocation of Authorization |
D01 |
| 52 |
Soft |
Processor Decline |
D01 |
| PB |
Soft |
Revocation of all Authorization |
D01 |
| 74 |
Hard |
Invalid Expiration Date |
D02 |
| L3 |
Hard |
Invalid Expiration |
D02 |
| D7 |
Soft |
Insufficient Funds |
D03 |
| 04 |
Hard |
Pickup |
D04 |
| R1 |
Hard |
Blocked Card Number Prefix |
D05 |
| R2 |
Hard |
Blocked Card Number |
D05 |
| BS |
Hard |
New Card Issued |
D05 |
| 14 |
Hard |
Invalid Credit Card Number |
D05 |
| 68 |
Hard |
Invalid CC Number |
D05 |
| E6 |
Hard |
BIN Block |
D05 |
| 44 |
Hard |
Account Not Active |
D06 |
| G7 |
Hard |
Invalid Account Format |
D06 |
| F3 |
Hard |
Account Closed |
D06 |
| 71 |
Hard |
No Account |
D06 |
| BK |
Hard |
Closed Account, New Account Closed |
D06 |
| 42 |
Hard |
Account Not Active |
D06 |
| G8 |
Hard |
Bad Account Number Data |
D06 |
| G3 |
Hard |
Invalid Account Number |
D06 |
| F4 |
Hard |
No Account/Unable To Locate |
D06 |
| BG |
Hard |
Blocked Account |
D06 |
| F7 |
Hard |
Account Frozen |
D06 |
| H9 |
Soft |
Invalid PIN |
D07 |
| 64 |
Soft |
CVV2/CVC2 Failure |
D08 |
| 65 |
Soft |
Invalid Amex CID |
D08 |
| 39 |
Soft |
Previously Processed Transaction |
D09 |
| 85 |
Soft |
Duplicated Order # |
D09 |
| 45 |
Soft |
Duplicate Transaction |
D09 |
| 41 |
Hard |
Lost/Stolen |
D10 |
| 43 |
Hard |
Lost/Stolen Card |
D10 |
| 73 |
Soft |
Method of Payment is Invalid for Merchant |
D12 |
| 80 |
Soft |
Invalid MOP for Division |
D12 |
| PD |
Soft |
Partial Authorization Override Not Allowed |
D12 |
| M2 |
Soft |
Partial Authorization Not Allowed |
D12 |
| L6 |
Soft |
Transaction Not Allowed For Cardholder |
D12 |
| C9 |
Soft |
Over Credit Freq |
D15 |
| C6 |
Soft |
Over Sav Limit |
D15 |
| C4 |
Soft |
Over Limit |
D15 |
| I9 |
Soft |
Max Redemption Limit Met |
D15 |
| D4 |
Soft |
One Purchasing Limit |
D15 |
| C7 |
Soft |
Over Sav Freq |
D15 |
| C5 |
Soft |
Over Freq Limit |
D15 |
| 33 |
Hard |
Card is Expired |
D16 |
| 19 |
Soft |
Re-enter Transaction |
D17 |
| BM |
Soft |
Re-Authorization – No Match |
D17 |
| BN |
Soft |
Re-Authorization – Timeframes Exceeded |
D17 |
| BL |
Soft |
Re-Authorization |
D17 |
| 36 |
Soft |
Bad Total Authorization Amount |
D18 |
| 13 |
Soft |
Bad Amount |
D18 |
| I6 |
Soft |
Activation Amount Incorrect |
D18 |
| 77 |
Soft |
Invalid Amount |
D18 |
| A5 |
Soft |
Auth Amount Wrong |
D18 |
| 35 |
Soft |
Zero Amount |
D18 |
| R7 |
Soft |
Amount Mismatch |
D18 |
| 75 |
Soft |
Bad Amount |
D18 |
| C3 |
Soft |
Excessive PIN Try |
D21 |
| J3 |
Soft |
Excessive PIN Try |
D21 |
| 89 |
Soft |
Credit Floor |
D25 |
| 46 |
Hard |
Blanks not Passed in Reserved Field |
D27 |
| P5 |
Hard |
Not ACH Eligible |
D27 |
| G1 |
Hard |
No Pre-note |
D27 |
| F2 |
Hard |
Invalid Account Type |
D27 |
| 98 |
Hard |
Issuer Unavailable |
D27 |
| K3 |
Hard |
Reserved Future |
D27 |
| J4 |
Hard |
No DDA |
D27 |
| BO |
Hard |
Stand In Rules |
D27 |
| L7 |
Hard |
Unable to Determine Network Routing |
D27 |
| 28 |
Hard |
Received and Stored |
D27 |
| K8 |
Hard |
Future RD Seven |
D27 |
| D8 |
Hard |
Encrypted Data Bad |
D27 |
| 69 |
Hard |
Does not Match MOP |
D27 |
| I3 |
Hard |
Declined – Issuance Does Not Meet Minimum Amount |
D27 |
| H4 |
Hard |
Changed Field |
D27 |
| BE |
Hard |
Invalid Email Address |
D27 |
| B5 |
Hard |
Not on File |
D27 |
| P3 |
Hard |
No Information Found |
D27 |
| J7 |
Hard |
Excess DDA FREQ |
D27 |
| I8 |
Hard |
Mag Stripe CVD Value Failed |
D27 |
| BJ |
Hard |
Previously Declined |
D27 |
| 56 |
Hard |
Restraint |
D27 |
| R5 |
Hard |
Not Authorized to Send Record |
D27 |
| PC |
Hard |
Country On Fraud Filter List |
D27 |
| G4 |
Hard |
Authorization Revoked by Consumer |
D27 |
| F5 |
Hard |
Account Holder Deceased |
D27 |
| A2 |
Hard |
Bad Order Number |
D27 |
| K6 |
Hard |
NSF |
D27 |
| H7 |
Hard |
Invalid Date |
D27 |
| G9 |
Hard |
No Capture |
D27 |
| B9 |
Hard |
On Negative File |
D27 |
| A8 |
Hard |
Invalid Start Date |
D27 |
| M1 |
Hard |
Merchant Override Decline |
D27 |
| 31 |
Hard |
Request Received |
D27 |
| L2 |
Hard |
Process Unavailable |
D27 |
| 22 |
Hard |
Floor High fraud |
D27 |
| E4 |
Hard |
Invalid Institution |
D27 |
| D3 |
Hard |
Rev Exceed Withdrawal |
D27 |
| F8 |
Hard |
Customer Opt Out |
D27 |
| E9 |
Hard |
Unknown Transit Routing Number |
D27 |
| 96 |
Hard |
Invalid Record Sequence |
D27 |
| 87 |
Hard |
Invalid Currency |
D27 |
| K1 |
Hard |
Excess Card |
D27 |
| J2 |
Hard |
Not Signed In |
D27 |
| C1 |
Hard |
Invalid Issuer |
D27 |
| R8 |
Hard |
Already Reversed or Nothing to Reverse |
D27 |
| PQ |
Hard |
Unable to Validate Debit Auth Record Based on Amount, Action Code, and MOP |
D27 |
| D6 |
Hard |
Changed Field |
D27 |
| 66 |
Hard |
Other Error |
D27 |
| I1 |
Hard |
Block Activation Failed – Card Range Not Set Up for MOD 10 |
D27 |
| H2 |
Hard |
No Debit Function |
D27 |
| BC |
Hard |
Bill To Not Equal To Ship To |
D27 |
| B2 |
Hard |
Account Previously Activated |
D27 |
| P1 |
Hard |
ECP - Advanced Verification service - Account Status Verification and/or AOA data is in a positive status. |
D27 |
| L5 |
Hard |
Invalid Issuer |
D27 |
| 26 |
Hard |
Pre-noted |
D27 |
| E7 |
Hard |
Stored |
D27 |
| BP |
Hard |
Customer Service Phone Number required on Transaction Types 1 (MO/TO) and 2 (Recurring). MC Only |
D27 |
| BH |
Hard |
Address Verification Failed |
D27 |
| 50 |
Hard |
Positive ID |
D27 |
| G2 |
Hard |
No Address |
D27 |
| 99 |
Hard |
No Answer/Unable to send |
D27 |
| K4 |
Hard |
Reserved Closing |
D27 |
| J5 |
Hard |
No SAV |
D27 |
| B7 |
Hard |
Fraud |
D27 |
| P4 |
Hard |
ECP Account Verification Decline |
D27 |
| L8 |
Hard |
System Error |
D27 |
| K9 |
Hard |
Transaction Code Conflict |
D27 |
| 20 |
Hard |
Floor Low Fraud |
D27 |
| D9 |
Hard |
Altered Data |
D27 |
| D1 |
Hard |
Invalid For Credit |
D27 |
| I4 |
Hard |
Declined – No Original Auth Found |
D27 |
| BF |
Hard |
PA ITA Number Inactive |
D27 |
| K7 |
Hard |
Future RD Six |
D27 |
| J8 |
Hard |
Excess SAV |
D27 |
| 58 |
Hard |
Transaction not Permitted to Terminal |
D27 |
| R6 |
Hard |
Authorization Not Found |
D27 |
| G5 |
Hard |
Customer Advises Not Authorized |
D27 |
| F6 |
Hard |
Beneficiary Deceased |
D27 |
| A3 |
Hard |
FPO Locked |
D27 |
| I7 |
Hard |
Block Activation Failed – Account Not Correct Or Block Size Not Correct |
D27 |
| GA |
Hard |
Account Non-Convertible |
D27 |
| BA |
Hard |
Under 18 Years Old |
D27 |
| A9 |
Hard |
Invalid Issue Number |
D27 |
| 32 |
Hard |
BIN Alert |
D27 |
| 23 |
Hard |
Floor Unavailable Fraud |
D27 |
| E5 |
Hard |
Invalid Cardholder |
D27 |
| 06 |
Hard |
Other Error |
D27 |
| 37 |
Hard |
Invalid Secure Payment Data |
D27 |
| F9 |
Hard |
ACH Non-Participant |
D27 |
| F1 |
Hard |
Missing Name |
D27 |
| 97 |
Hard |
Percents Not Total 100 |
D27 |
| 88 |
Hard |
Invalid Purch. Level 3 |
D27 |
| K2 |
Hard |
Excess Card Freq |
D27 |
| C2 |
Hard |
Invalid Response Code |
D27 |
| R9 |
Hard |
Authorization Code or Response Date Invalid |
D27 |
| PR |
Hard |
Refund Not Allowed – Refund Requested on a Star only BIN or BIN not Found |
D27 |
| E8 |
Hard |
Invalid Transit Routing Number |
D27 |
| 78 |
Hard |
Missing Companion Data |
D27 |
| I2 |
Hard |
Block Activation Failed – E-mail or Fulfillment Flags were set to Y |
D27 |
| H3 |
Hard |
Rev Exceed Withdrawal |
D27 |
| BD |
Hard |
Invalid Pre-approval Number |
D27 |
| B3 |
Hard |
Unable to Void Transaction |
D27 |
| P2 |
Hard |
ECP Account Verification/AOA Decline |
D27 |
| 27 |
Hard |
No Reason to Decline |
D27 |
| BQ |
Hard |
Issuer has Flagged Account as Suspected Fraud. (Discover Only) |
D27 |
| BI |
Hard |
Not on Credit Bureau |
D27 |
| 40 |
Hard |
Requested Function not Supported |
D27 |
| A1 |
Hard |
Payments Not Total Order |
D27 |
| K5 |
Hard |
Dormant |
D27 |
| J6 |
Hard |
Excess DDA |
D27 |
| B8 |
Hard |
Bad Debt |
D27 |
| A6 |
Hard |
Illegal Action |
D27 |
| L9 |
Hard |
Database Error |
D27 |
| 30 |
Hard |
Invalid Value in Message |
D27 |
| L1 |
Hard |
In Progress |
D27 |
| 21 |
Hard |
Floor Medium Fraud |
D27 |
| E3 |
Hard |
Invalid Prefix |
D27 |
| 12 |
Hard |
Invalid Transaction Type |
D27 |
| D2 |
Hard |
Invalid For Debit |
D27 |
| 72 |
Hard |
Invalid Institution Code |
D27 |
| I5 |
Hard |
Declined – Outstanding Auth, Funds On Hold |
D27 |
| H6 |
Hard |
Invalid Time |
D27 |
| A4 |
Hard |
FPO Not Allowed |
D27 |
| 95 |
Hard |
Invalid Data Type |
D27 |
| 86 |
Hard |
Auth Recycle Host down |
D27 |
| J9 |
Hard |
Excess SAV FREQ |
D27 |
| J1 |
Hard |
No Manual Key |
D27 |
| BT |
Hard |
Not Authorized to send record |
D27 |
| 59 |
Hard |
Soft AVS |
D27 |
| PP |
Hard |
No Match for Debit Authorization based on Trace, Account, and Division Number |
D27 |
| G6 |
Hard |
Invalid CECP Action Code |
D27 |
| 07 |
Hard |
Stop Deposit Order |
D27 |
| H1 |
Hard |
No Credit Function |
D27 |
| BB |
Hard |
Possible Compromise |
D27 |
| B1 |
Hard |
Invalid Transaction Type |
D27 |
| ND |
Hard |
Account number appears on European Direct Debit negative file |
D27 |
| L4 |
Hard |
Invalid Effective |
D27 |
| 24 |
Hard |
Validated |
D27 |
| D5 |
Hard |
On Negative File |
D27 |
| 10 |
Soft |
Default Call |
D30 |
| 02 |
Soft |
Refer to Card Issuer's Special Conditions |
D30 |
| 82 |
Soft |
Call Medium Fraud |
D30 |
| 16 |
Soft |
Default Call Medium Fraud |
D30 |
| 83 |
Soft |
Call High Fraud |
D30 |
| 18 |
Soft |
Default Call Unavailable Fraud |
D30 |
| 17 |
Soft |
Default Call High Fraud |
D30 |
| 01 |
Soft |
Call/Refer to Card Issuer |
D30 |
| 81 |
Soft |
Call Low Fraud |
D30 |
| 84 |
Soft |
Call Unavailable Fraud |
D30 |
| 15 |
Soft |
Default Call Low Fraud |
D30 |
| 79 |
Soft |
Invalid Merchant |
D33 |
| BR |
Soft |
Invalid MCC Sent |
D33 |
| 03 |
Soft |
Invalid Merchant Number |
D33 |
| 38 |
Soft |
Merchant not MC SecureCode Enabled |
D34 |
| S1 |
Soft |
Electronic Processing Not Supported |
D34 |
| H5 |
Soft |
Terminal Not Owned |
D34 |
| H8 |
Soft |
Invalid Terminal Number |
D34 |
| Ceiling Limit |
Hard |
Blocked Issuing Country |
R04 |
