| R2 |
Good |
Allowable PAN entries warning -- approved |
A01 |
| 001 |
Good |
Approved with identification |
A01 |
| 16 |
Good |
Approved, update track 3 |
A01 |
| R3 |
Good |
Approved with overdraft protection |
A01 |
| 003 |
Good |
Approved (VIP) |
A01 |
| 00 |
Good |
Approved or completed successfully |
A01 |
| 85 |
Good |
Issuer has no reason to decline the transaction (Account Verification) |
A01 |
| 000 |
Good |
Approved |
A01 |
| 11 |
Good |
Approved (VIP) |
A01 |
| 002 |
Good |
Approved for partial amount |
A05 |
| 10 |
Good |
Approved for partial amount |
A05 |
| RR |
Soft |
Unknown Backend Processing Error |
D01 |
| 185 |
Soft |
Stop payment on check (shared branch only) |
D01 |
| 02 |
Soft |
Refer to card issuers special conditions |
D01 |
| 100 |
Soft |
Do not honor |
D01 |
| 99 |
Soft |
Card network fault error |
D01 |
| 59 |
Soft |
Suspected fraud |
D01 |
| 92 |
Soft |
Financial institution or intermediate network unknown for routing |
D01 |
| 108 |
Soft |
Refer to card issuer’s special condition |
D01 |
| SI |
Soft |
General denial |
D01 |
| 908 |
Soft |
Transaction destination cannot be found for routing |
D01 |
| 08 |
Soft |
Honor with identification |
D01 |
| EK |
Soft |
Bin is not valid for pinless routing |
D01 |
| 124 |
Soft |
Violation of law |
D01 |
| T7 |
Soft |
Purchase only approval for purchase with cash back transaction. |
D01 |
| Q1 |
Soft |
Card authentication failed |
D01 |
| 182 |
Soft |
Institution not supported by switch |
D01 |
| N5 |
Soft |
Declined authorization (future) |
D01 |
| 80 |
Soft |
Stale dated transaction (Star SM ) |
D01 |
| 20 |
Soft |
Invalid response |
D01 |
| 200 |
Soft |
Do not honor |
D01 |
| SC |
Soft |
Item suspected for stop pay |
D01 |
| 207 |
Soft |
Special conditions |
D01 |
| 05 |
Soft |
Do not honor |
D01 |
| 93 |
Soft |
Transaction cannot be completed, violation of law |
D01 |
| 60 |
Soft |
Card acceptor contact acquirer |
D01 |
| 113 |
Soft |
Unacceptable fee |
D01 |
| ST |
Soft |
Revocation of authorization order |
D01 |
| 09 |
Soft |
Request in progress |
D01 |
| EM |
Soft |
Debit PIN transactions must be swiped |
D01 |
| 68 |
Soft |
Response received too late, reversal (unsupported) |
D01 |
| 184 |
Soft |
Resubmission in violation of network rules |
D01 |
| 01 |
Soft |
Refer to card issuer |
D01 |
| 130 |
Soft |
Transaction failed OFAC check |
D01 |
| ZZ |
Soft |
Used by TabaPay for Testing |
D01 |
| R1 |
Soft |
Credit not received (future) |
D01 |
| N6 |
Soft |
Non-matching account numbers (future) |
D01 |
| 81 |
Soft |
Issuer requested standin |
D01 |
| 32 |
Soft |
Completed partially, reversal (unsupported) |
D01 |
| 107 |
Soft |
Refer to card issuer |
D01 |
| SH |
Soft |
Unable to locate |
D01 |
| 907 |
Soft |
Card issuer or switch inoperative |
D01 |
| 06 |
Soft |
Error |
D01 |
| EE |
Soft |
Card product code is blocked Card product code is blocked |
D01 |
| 63 |
Soft |
Security violation (may also be a chargeback) |
D01 |
| 122 |
Soft |
Security violation |
D01 |
| T6 |
Soft |
Special conditions (no pick-up) |
D01 |
| 131 |
Soft |
Check not acceptable |
D01 |
| EP |
Soft |
Transaction not allowed as per a validation rule |
D01 |
| 79 |
Soft |
Invalid digital signature |
D01 |
| S9 |
Hard |
Expiration date mismatch |
D02 |
| SB |
Hard |
Expiration date mismatch (card pickup) |
D02 |
| 116 |
Soft |
Insufficient funds |
D03 |
| 51 |
Soft |
Insufficient funds |
D03 |
| 216 |
Soft |
Insufficient funds |
D03 |
| T9 |
Soft |
Insufficient funds for fees |
D03 |
| 07 |
Hard |
Pick-up card, special conditions |
D04 |
| 37 |
Hard |
Card acceptor call acquirer security, pick-up |
D04 |
| 34 |
Hard |
Suspected fraud, pick-up |
D04 |
| 04 |
Hard |
Pick-up |
D04 |
| 35 |
Hard |
Card acceptor contact acquirer, pick-up |
D04 |
| 118 |
Hard |
No card record |
D05 |
| 14 |
Hard |
Invalid card number (no such number) |
D05 |
| SK |
Hard |
Cross-reference card not found |
D05 |
| 56 |
Hard |
No card record |
D05 |
| 111 |
Hard |
Invalid card number |
D05 |
| S8 |
Hard |
Allowable PAN entries exceeded -- denial |
D05 |
| SG |
Hard |
No account on file - absolute |
D06 |
| 114 |
Hard |
No account of type requested |
D06 |
| 44 |
Hard |
No investment account |
D06 |
| 39 |
Hard |
No credit account |
D06 |
| 52 |
Hard |
No checking account |
D06 |
| SE |
Hard |
Ineligible account |
D06 |
| 214 |
Hard |
No account of type requested |
D06 |
| T5 |
Hard |
Dormant account |
D06 |
| 42 |
Hard |
No universal account |
D06 |
| 15 |
Hard |
No such issuer |
D06 |
| 53 |
Hard |
No savings account |
D06 |
| TB |
Soft |
Unsafe PIN |
D07 |
| 126 |
Soft |
Invalid PIN block |
D07 |
| 55 |
Soft |
Incorrect PIN |
D07 |
| S6 |
Soft |
PIN already selected |
D07 |
| 117 |
Soft |
Incorrect PIN |
D07 |
| 86 |
Soft |
Cannot verify PIN (VISANet) |
D07 |
| 127 |
Soft |
PIN length error |
D07 |
| SQ |
Soft |
PIN key sync error |
D07 |
| 217 |
Soft |
Incorrect PIN |
D07 |
| 67 |
Soft |
Hard capture, pick-up |
D07 |
| S5 |
Soft |
PIN not selected |
D07 |
| SP |
Soft |
Invalid secret code |
D08 |
| EO |
Soft |
Transaction was declined by merchant due to mismatch of CVV2 data |
D08 |
| SR |
Soft |
Bad CVV2 |
D08 |
| R4 |
Soft |
Bad CVV3 |
D08 |
| 89 |
Soft |
Card verification value (CVV) verification failed (no pickup) |
D08 |
| 94 |
Soft |
Duplication transaction |
D09 |
| 208 |
Hard |
Lost card |
D10 |
| 41 |
Hard |
Lost card, pick-up |
D10 |
| T3 |
Hard |
Lost card (no pickup) |
D10 |
| 43 |
Hard |
Stolen card, pick-up |
D11 |
| 209 |
Hard |
Stolen card |
D11 |
| E5 |
Soft |
Service not allowed. Transaction not permitted to cardholder. |
D12 |
| 120 |
Soft |
Transaction not permitted to terminal |
D12 |
| 40 |
Soft |
Requested function not supported |
D12 |
| 78 |
Soft |
Customer not eligible for POS (Star SM ) |
D12 |
| 115 |
Soft |
Requested function not supported (invalid transaction) |
D12 |
| 183 |
Soft |
Balances not available for inquiry |
D12 |
| 57 |
Soft |
Transaction not permitted to cardholder |
D12 |
| E4 |
Soft |
Service not allowed. Transaction not permitted to cardholder. |
D12 |
| 119 |
Soft |
Transaction not permitted to cardholder |
D12 |
| 58 |
Soft |
Transaction not permitted to terminal (may also be a chargeback) |
D12 |
| SV |
Hard |
Stop reoccurring payments |
D13 |
| SS |
Hard |
Stop payment order |
D13 |
| N4 |
Soft |
Transaction exceeds floor limit (future) |
D15 |
| 65 |
Soft |
Exceeds withdrawal frequency limit |
D15 |
| SM |
Soft |
Transaction limit exceeded |
D15 |
| 121 |
Soft |
Exceeds withdrawal amount limit |
D15 |
| S2 |
Soft |
Check deposit limit exceeded |
D15 |
| SN |
Soft |
Daily limit exceeded |
D15 |
| 123 |
Soft |
Exceeds withdrawal limit frequency |
D15 |
| 82 |
Soft |
Count exceeds limit (VISANet) |
D15 |
| 61 |
Soft |
Exceeds withdrawal amount limit |
D15 |
| SL |
Soft |
Category limit exceeded |
D15 |
| SO |
Soft |
Monthly limit exceeded |
D15 |
| 33 |
Hard |
Expired card, pick-up |
D16 |
| 201 |
Hard |
Expired card |
D16 |
| 54 |
Hard |
Expired card |
D16 |
| 101 |
Hard |
Expired card |
D16 |
| 19 |
Soft |
Re-enter transaction |
D17 |
| S4 |
Soft |
Check amount does not match courtesy amount |
D18 |
| 181 |
Soft |
Enter lesser amount |
D18 |
| 64 |
Soft |
Original amount incorrect, reversal (unsupported) |
D18 |
| N9 |
Soft |
Incorrect account number (future) |
D18 |
| 110 |
Soft |
Invalid amount |
D18 |
| 13 |
Soft |
Invalid amount |
D18 |
| 106 |
Soft |
Allowable PIN tries exceeded |
D21 |
| 38 |
Soft |
Allowable PIN tries exceeded, pick-up |
D21 |
| 206 |
Soft |
Allowable PIN tries exceeded |
D21 |
| 75 |
Soft |
Allowable number of PIN tries exceeded |
D21 |
| 87 |
Hard |
Check already posted |
D27 |
| S7 |
Hard |
Unmatched voucher information |
D27 |
| P5 |
Hard |
Currency conversion error (future) |
D27 |
| N3 |
Hard |
Non-receipt of requested item, illegible copy (future) |
D27 |
| 12 |
Hard |
Invalid transaction |
D27 |
| N1 |
Hard |
Authorization life cycle expired |
D27 |
| EG |
Hard |
CyberSource Time Out Connection to CyberSource timed out |
D27 |
| E7 |
Hard |
Incorrect MAC was sent |
D27 |
| 202 |
Hard |
Suspected fraud |
D27 |
| 26 |
Hard |
Duplicate file update record, no action |
D27 |
| E3 |
Hard |
CVV2 data required |
D27 |
| 91 |
Hard |
Issuer or switch is inoperative |
D27 |
| 31 |
Hard |
Bank not supported by switch |
D27 |
| P8 |
Hard |
Non-receipt of goods (future) |
D27 |
| P0 |
Hard |
Missing signature (future) |
D27 |
| 909 |
Hard |
System malfunction |
D27 |
| 29 |
Hard |
File update not successful, contact acquirer |
D27 |
| 21 |
Hard |
No action taken, reversal (unsupported) |
D27 |
| EJ |
Hard |
Required PIN block not present |
D27 |
| EA |
Hard |
Account length error |
D27 |
| S0 |
Hard |
Check not acceptable for cash |
D27 |
| P3 |
Hard |
Canceled pre-authorization transaction (future) |
D27 |
| 97 |
Hard |
Reserved for national use |
D27 |
| 83 |
Hard |
Reserved for private use |
D27 |
| EQ |
Hard |
There were no available gateway nodes to route transaction |
D27 |
| ED |
Hard |
Authorization is too old to capture |
D27 |
| TA |
Hard |
ARQC validation failed for chip card |
D27 |
| 24 |
Hard |
File update not supported by receiver |
D27 |
| E1 |
Hard |
Invalid or unsupported SEC |
D27 |
| 88 |
Hard |
Information not on file |
D27 |
| P6 |
Hard |
Credit posted as a debit (sale) (future) |
D27 |
| N7 |
Hard |
Error in addition (future) |
D27 |
| 112 |
Hard |
PIN data required |
D27 |
| 27 |
Hard |
File update field edit error |
D27 |
| 17 |
Hard |
Customer cancellation, reversal (unsupported) |
D27 |
| EH |
Hard |
CARD_ENT_METH supplied is not valid or required additional data not provided as defined |
D27 |
| E8 |
Hard |
Standard Entry Class requirements were not met |
D27 |
| P1 |
Hard |
Slip without card imprint (future) |
D27 |
| 95 |
Hard |
Reconcile error |
D27 |
| 76 |
Hard |
Key synchronization error (FIS) |
D27 |
| P9 |
Hard |
Defective merchandise (future) |
D27 |
| EB |
Hard |
Check digit error |
D27 |
| 999 |
Hard |
Used by TabaPay for Testing |
D27 |
| SF |
Hard |
Item submitted more than two times |
D27 |
| 22 |
Hard |
Suspected malfunction, reversal (unsupported) |
D27 |
| EL |
Hard |
Signature store did not complete |
D27 |
| S1 |
Hard |
Check not acceptable |
D27 |
| P4 |
Hard |
Delinquent settlement (future) |
D27 |
| N2 |
Hard |
Non-receipt of requested item (future) |
D27 |
| 98 |
Hard |
Reserved for national use |
D27 |
| 84 |
Hard |
Time limit for pre-authorization reached (VISANet) |
D27 |
| N0 |
Hard |
Authorization life cycle unacceptable |
D27 |
| EF |
Hard |
Attempt to process a BRIC transaction on a prior PIN based transaction |
D27 |
| E6 |
Hard |
Issuer country is blocked |
D27 |
| 102 |
Hard |
Suspected fraud |
D27 |
| 25 |
Hard |
Unable to locate record on file |
D27 |
| E2 |
Hard |
AVS data required |
D27 |
| 90 |
Hard |
Cutoff is in progress |
D27 |
| 30 |
Hard |
Format error (may also be a reversal) |
D27 |
| P7 |
Hard |
Claim or defense (future) |
D27 |
| N8 |
Hard |
Altered amount (future) |
D27 |
| 128 |
Hard |
PIN key synchronization error (sanity error) |
D27 |
| 28 |
Hard |
File update record locked out |
D27 |
| 18 |
Hard |
Customer dispute, chargeback (future) |
D27 |
| EI |
Hard |
CARD_ID is not valid |
D27 |
| E9 |
Hard |
System time out |
D27 |
| R0 |
Hard |
Fraudulent transaction prior to embossed valid date (future) |
D27 |
| P2 |
Hard |
Imprinting of multiple slips (future) |
D27 |
| 96 |
Hard |
System malfunction |
D27 |
| 77 |
Hard |
Reserved for private use |
D27 |
| EN |
Hard |
DB proxy response was not processed within the time out period |
D27 |
| EC |
Hard |
CID format error |
D27 |
| SJ |
Hard |
Item settled via ACH |
D27 |
| 23 |
Hard |
Unacceptable transaction fee |
D27 |
| S3 |
Soft |
Cash back limit exceeded |
D28 |
| 62 |
Soft |
Restricted card |
D29 |
| 204 |
Soft |
Restricted card |
D29 |
| 180 |
Soft |
Limit exceeded due to cashback amount |
D29 |
| 36 |
Soft |
Restricted card, pick-up |
D29 |
| 104 |
Soft |
Restricted card |
D29 |
| 66 |
Soft |
Card acceptor call acquirer security |
D30 |
| 205 |
Soft |
Card acceptor call acquirer’s security department |
D30 |
| 103 |
Soft |
Card acceptor contact acquirer |
D30 |
| 105 |
Soft |
Card acceptor call acquirer’s security department |
D30 |
| 203 |
Soft |
Card acceptor contact acquirer |
D30 |
| 210 |
Soft |
Suspected counterfeit card |
D31 |
| 129 |
Soft |
Suspected counterfeit card |
D31 |
| 03 |
Soft |
Invalid merchant |
D33 |
| 109 |
Soft |
Invalid merchant |
D33 |
| SD |
Soft |
Account closed |
D43 |
| T4 |
Soft |
Closed account |
D43 |
| SA |
Soft |
Inactive card |
D43 |
