| 000 | 
                                                                                                                                                Good | 
                                                                                                                                                Approved | 
                                                                        
                                                                                                                                                
                                                                            A01                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 180 | 
                                                                                                                                                Soft | 
                                                                                                                                                Decline, by cardholders wish | 
                                                                        
                                                                                                                                                
                                                                            D01                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 108 | 
                                                                                                                                                Soft | 
                                                                                                                                                Decline, refer to card issuer's special conditions | 
                                                                        
                                                                                                                                                
                                                                            D01                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 102 | 
                                                                                                                                                Soft | 
                                                                                                                                                Decline, suspected fraud | 
                                                                        
                                                                                                                                                
                                                                            D01                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 100 | 
                                                                                                                                                Soft | 
                                                                                                                                                Decline (general, no comments) | 
                                                                        
                                                                                                                                                
                                                                            D01                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 129 | 
                                                                                                                                                Soft | 
                                                                                                                                                Decline, suspected counterfeit card | 
                                                                        
                                                                                                                                                
                                                                            D01                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 107 | 
                                                                                                                                                Soft | 
                                                                                                                                                Decline, refer to card issuer | 
                                                                        
                                                                                                                                                
                                                                            D01                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 305112 | 
                                                                                                                                                Hard | 
                                                                                                                                                Invalid card expiry date | 
                                                                        
                                                                                                                                                
                                                                            D02                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 116 | 
                                                                                                                                                Soft | 
                                                                                                                                                Decline, not sufficient funds | 
                                                                        
                                                                                                                                                
                                                                            D03                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 111 | 
                                                                                                                                                Hard | 
                                                                                                                                                Decline, invalid card number | 
                                                                        
                                                                                                                                                
                                                                            D05                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 305113 | 
                                                                                                                                                Hard | 
                                                                                                                                                Invalid card number | 
                                                                        
                                                                                                                                                
                                                                            D05                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 114 | 
                                                                                                                                                Hard | 
                                                                                                                                                Decline, no account of type requested | 
                                                                        
                                                                                                                                                
                                                                            D06                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 305122 | 
                                                                                                                                                Soft | 
                                                                                                                                                CSC is invalid | 
                                                                        
                                                                                                                                                
                                                                            D08                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 913 | 
                                                                                                                                                Soft | 
                                                                                                                                                Decline reason message: duplicate transmission | 
                                                                        
                                                                                                                                                
                                                                            D09                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 605118 | 
                                                                                                                                                Soft | 
                                                                                                                                                Original credit operations are not allowed on this interface | 
                                                                        
                                                                                                                                                
                                                                            D12                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 115 | 
                                                                                                                                                Soft | 
                                                                                                                                                Decline, requested function not supported | 
                                                                        
                                                                                                                                                
                                                                            D12                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 120 | 
                                                                                                                                                Soft | 
                                                                                                                                                Decline, transaction not permitted to terminal | 
                                                                        
                                                                                                                                                
                                                                            D12                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 119 | 
                                                                                                                                                Soft | 
                                                                                                                                                Decline, transaction not permitted to cardholder | 
                                                                        
                                                                                                                                                
                                                                            D12                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 123 | 
                                                                                                                                                Soft | 
                                                                                                                                                Decline, exceeds withdrawal frequency limit | 
                                                                        
                                                                                                                                                
                                                                            D15                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 121 | 
                                                                                                                                                Soft | 
                                                                                                                                                Decline, exceeds withdrawal amount limit | 
                                                                        
                                                                                                                                                
                                                                            D15                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 101 | 
                                                                                                                                                Hard | 
                                                                                                                                                Decline, expired card | 
                                                                        
                                                                                                                                                
                                                                            D16                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 903 | 
                                                                                                                                                Soft | 
                                                                                                                                                Status message: re-enter transaction | 
                                                                        
                                                                                                                                                
                                                                            D17                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 110 | 
                                                                                                                                                Soft | 
                                                                                                                                                Decline, invalid amount | 
                                                                        
                                                                                                                                                
                                                                            D18                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 511401 | 
                                                                                                                                                Hard | 
                                                                                                                                                Could not update payment, state flow violated | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 945 | 
                                                                                                                                                Hard | 
                                                                                                                                                card enrollment verification in 3d secure failed (Incorrect VeRes; DS not available; merchant is not participating in 3d) | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 610602 | 
                                                                                                                                                Hard | 
                                                                                                                                                Could not authenticate payment, invalid Payment.Mode | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 922 | 
                                                                                                                                                Hard | 
                                                                                                                                                Decline reason message: message number out of sequence | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 909 | 
                                                                                                                                                Hard | 
                                                                                                                                                Decline reason message: system malfunction | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 710106 | 
                                                                                                                                                Hard | 
                                                                                                                                                Payment.Order.Description is required | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 605103 | 
                                                                                                                                                Hard | 
                                                                                                                                                Could not initialize authentication of non—3d payment | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 400000 | 
                                                                                                                                                Hard | 
                                                                                                                                                Integrity violation | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 710204 | 
                                                                                                                                                Hard | 
                                                                                                                                                INTERFACE is required | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 710117 | 
                                                                                                                                                Hard | 
                                                                                                                                                Recurring.Frequency required | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 118 | 
                                                                                                                                                Hard | 
                                                                                                                                                Decline, no card record | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 110302 | 
                                                                                                                                                Hard | 
                                                                                                                                                Data encryption failed | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 505106 | 
                                                                                                                                                Hard | 
                                                                                                                                                Could not deposit payment, state flow violated | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 710101 | 
                                                                                                                                                Hard | 
                                                                                                                                                Payment.Mode is required | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 200201 | 
                                                                                                                                                Hard | 
                                                                                                                                                Token not found | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 120103 | 
                                                                                                                                                Hard | 
                                                                                                                                                Session invalid | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 949 | 
                                                                                                                                                Hard | 
                                                                                                                                                abandoned (Timed out) | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 111101 | 
                                                                                                                                                Hard | 
                                                                                                                                                Tokens are disabled | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 181 | 
                                                                                                                                                Hard | 
                                                                                                                                                3d secure authentication is currently unavailable (Enrollment status = E) | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 902 | 
                                                                                                                                                Hard | 
                                                                                                                                                Decline reason message: invalid transaction | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 122 | 
                                                                                                                                                Hard | 
                                                                                                                                                Decline, security violation | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 510115 | 
                                                                                                                                                Hard | 
                                                                                                                                                Too frequent recurring | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 710207 | 
                                                                                                                                                Hard | 
                                                                                                                                                DATA is required | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 510120 | 
                                                                                                                                                Hard | 
                                                                                                                                                Recurring.Frequency must be greater than 0 | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 907 | 
                                                                                                                                                Hard | 
                                                                                                                                                Decline reason message: card issuer or switch inoperative | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 125 | 
                                                                                                                                                Hard | 
                                                                                                                                                Decline, card not effective | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 705110 | 
                                                                                                                                                Hard | 
                                                                                                                                                Card number is required | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 710104 | 
                                                                                                                                                Hard | 
                                                                                                                                                Payment.Order.Amount is required | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 200601 | 
                                                                                                                                                Hard | 
                                                                                                                                                Recurring not found | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 200000 | 
                                                                                                                                                Hard | 
                                                                                                                                                Entity not found | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 711301 | 
                                                                                                                                                Hard | 
                                                                                                                                                Payment is required | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 941 | 
                                                                                                                                                Hard | 
                                                                                                                                                agreement suspended or closed | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 110402 | 
                                                                                                                                                Hard | 
                                                                                                                                                Signing failed | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 914 | 
                                                                                                                                                Hard | 
                                                                                                                                                Decline reason message: not able to trace back to original transaction | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 110210 | 
                                                                                                                                                Hard | 
                                                                                                                                                XML serialization failed | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 105 | 
                                                                                                                                                Hard | 
                                                                                                                                                Decline, card acceptor call acquirer's security department | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 110201 | 
                                                                                                                                                Hard | 
                                                                                                                                                Invalid signature | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 111501 | 
                                                                                                                                                Hard | 
                                                                                                                                                Tokens are disabled | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 946 | 
                                                                                                                                                Hard | 
                                                                                                                                                3d secure field extraction from PaRes failed (Incorrect PaRes; Incorrect certificate) | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 710701 | 
                                                                                                                                                Hard | 
                                                                                                                                                Payment is required | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 923 | 
                                                                                                                                                Hard | 
                                                                                                                                                Status message: request in progress | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 910 | 
                                                                                                                                                Hard | 
                                                                                                                                                Decline reason message: card issuer signed off | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 900 | 
                                                                                                                                                Hard | 
                                                                                                                                                Advice acknowledged, no financial liability accepted | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 710109 | 
                                                                                                                                                Hard | 
                                                                                                                                                D3D.ACS.PaRes is required | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 505104 | 
                                                                                                                                                Hard | 
                                                                                                                                                Could not authenticate payment, state flow violated | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 705120 | 
                                                                                                                                                Hard | 
                                                                                                                                                CSC is required | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 400011 | 
                                                                                                                                                Hard | 
                                                                                                                                                Order ID must be unique | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 110401 | 
                                                                                                                                                Hard | 
                                                                                                                                                Signature verification failed | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 710205 | 
                                                                                                                                                Hard | 
                                                                                                                                                KEYINDEX is required | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 610118 | 
                                                                                                                                                Hard | 
                                                                                                                                                Recurring.EndDate is incorrect | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 710116 | 
                                                                                                                                                Hard | 
                                                                                                                                                Recurring.EndDate required | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 505107 | 
                                                                                                                                                Hard | 
                                                                                                                                                Could not cancel payment, state flow violated | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 710102 | 
                                                                                                                                                Hard | 
                                                                                                                                                Payment.Order is required | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 200301 | 
                                                                                                                                                Hard | 
                                                                                                                                                Directory service not found | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 100000 | 
                                                                                                                                                Hard | 
                                                                                                                                                Internal server error | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 211201 | 
                                                                                                                                                Hard | 
                                                                                                                                                Session not found | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 182 | 
                                                                                                                                                Hard | 
                                                                                                                                                3d secure authentication failed (Authentication status = N) | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 912 | 
                                                                                                                                                Hard | 
                                                                                                                                                Decline reason message: card issuer unavailable | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 113 | 
                                                                                                                                                Hard | 
                                                                                                                                                Decline, unacceptable fee | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 710208 | 
                                                                                                                                                Hard | 
                                                                                                                                                SIGNATURE is required | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 710121 | 
                                                                                                                                                Hard | 
                                                                                                                                                Recurring.ID is required | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 210501 | 
                                                                                                                                                Hard | 
                                                                                                                                                Payment not found | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 918 | 
                                                                                                                                                Hard | 
                                                                                                                                                Decline reason message: no communication keys available for use | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 908 | 
                                                                                                                                                Hard | 
                                                                                                                                                Decline reason message: transaction destination cannot be found for routing | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 705111 | 
                                                                                                                                                Hard | 
                                                                                                                                                Card expiry is required | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 710105 | 
                                                                                                                                                Hard | 
                                                                                                                                                 Payment.Order.Currency is required | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 505102 | 
                                                                                                                                                Hard | 
                                                                                                                                                Could not initiate payment, state flow violated | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 605117 | 
                                                                                                                                                Hard | 
                                                                                                                                                Invalid currency | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 300000 | 
                                                                                                                                                Hard | 
                                                                                                                                                Bad request | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 611302 | 
                                                                                                                                                Hard | 
                                                                                                                                                Could not create payment, invalid mode | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 942 | 
                                                                                                                                                Hard | 
                                                                                                                                                original credit transaction is illegible for this PAN (at least one deposited payment required) | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 110301 | 
                                                                                                                                                Hard | 
                                                                                                                                                Data decryption failed | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 710203 | 
                                                                                                                                                Hard | 
                                                                                                                                                Request is required | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 400014 | 
                                                                                                                                                Hard | 
                                                                                                                                                Token is already registered | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 120102 | 
                                                                                                                                                Hard | 
                                                                                                                                                Session not found | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 948 | 
                                                                                                                                                Hard | 
                                                                                                                                                suspected fraud | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 610702 | 
                                                                                                                                                Hard | 
                                                                                                                                                Could not create payment, invalid Payment.Mode | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 950 | 
                                                                                                                                                Hard | 
                                                                                                                                                Decline reason message: violation of business arrangement | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 911 | 
                                                                                                                                                Hard | 
                                                                                                                                                Decline reason message: card issuer timed out | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 901 | 
                                                                                                                                                Hard | 
                                                                                                                                                Advice acknowledged, finansial liability accepted | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 510114 | 
                                                                                                                                                Hard | 
                                                                                                                                                Recurring expired | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 605105 | 
                                                                                                                                                Hard | 
                                                                                                                                                Could not authenticate non—3d payment | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 710206 | 
                                                                                                                                                Hard | 
                                                                                                                                                KEY is required | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 510119 | 
                                                                                                                                                Hard | 
                                                                                                                                                Recurring.EndDate must be in future | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 124 | 
                                                                                                                                                Hard | 
                                                                                                                                                Decline, violation of law | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 705109 | 
                                                                                                                                                Hard | 
                                                                                                                                                Card name is required | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 710103 | 
                                                                                                                                                Hard | 
                                                                                                                                                Payment.Order.ID is required | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 505115 | 
                                                                                                                                                Hard | 
                                                                                                                                                Could not reverse payment, state flow violated | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 100001 | 
                                                                                                                                                Hard | 
                                                                                                                                                Lock timeout | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 711202 | 
                                                                                                                                                Hard | 
                                                                                                                                                CALLBACK is required | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 940 | 
                                                                                                                                                Hard | 
                                                                                                                                                could not obtain agreement for this payment | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 904 | 
                                                                                                                                                Hard | 
                                                                                                                                                Decline reason message: format error | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 110209 | 
                                                                                                                                                Hard | 
                                                                                                                                                XML deserialization failed | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 710122 | 
                                                                                                                                                Hard | 
                                                                                                                                                RemoteAddress is required | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 104 | 
                                                                                                                                                Soft | 
                                                                                                                                                Decline, restricted card | 
                                                                        
                                                                                                                                                
                                                                            D29                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 103 | 
                                                                                                                                                Soft | 
                                                                                                                                                Decline, card acceptor contact acquirer | 
                                                                        
                                                                                                                                                
                                                                            D30                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 505116 | 
                                                                                                                                                Soft | 
                                                                                                                                                Merchant interface is closed | 
                                                                        
                                                                                                                                                
                                                                            D33                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 109 | 
                                                                                                                                                Soft | 
                                                                                                                                                Decline, invalid merchant | 
                                                                        
                                                                                                                                                
                                                                            D33                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 200401 | 
                                                                                                                                                Soft | 
                                                                                                                                                Key not found. Either INTERFACE or KEY_INDEX is incorrect. | 
                                                                        
                                                                                                                                                
                                                                            D33                                                                         |