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Paysafe  (real-time) Response Codes:




AVS Response Codes   
Code Message Description
00 AVS Error - Retry, System unavailable or Timed out A system error prevented any verification of street address or postal code.
40 Address not available (Address not verified) The card-issuing bank received the address but did not verify whether it was correct. This typically happens if the processor declines an authorization before the bank evaluates the address.
43 Street address not available (not verified), ZIP matches The card-issuing bank received the street address but did not verify whether it was correct. ZIP code matches.
44 Address failed Address verification has failed.
45 Street address and ZIP don't match Both street address and ZIP code provided do not match the information on file with the cardholder's bank.
46 Street address doesn't match, 5-digit ZIP matches Provided street address does not match the information on file with the cardholder's bank, but 5-digit ZIP code matches.
47 Street address doesn't match, 9-digit ZIP matches Provided street address does not match the information on file with the cardholder's bank, but 9-digit ZIP code matches.
4A Street address or ZIP doesn't match Street address or ZIP code provided does not match the information on file with the cardholder's bank.
4D Street address matches, ZIP does not Provided ZIP code does not match the information on file with the cardholder's bank, but street address matches.
4E Street address and 5-digit ZIP match Both street address and 5-digit ZIP code provided match the information on file with the cardholder's bank.
4F Street address and ZIP match Both street address and ZIP code provided match the information on file with the cardholder's bank.
53 Account holder name incorrect, billing postal code matches Provided account holder name does not match the information on file with the cardholder's bank, but billing postal code matches.
55 Unrecognized response Account holder name, billing address and postal code are all incorrect.
5C Account holder name incorrect, billing address matches Provided account holder name does not match the information on file with the cardholder's bank, but billing address matches.
5F Account holder name incorrect, billing address and postal code match Provided account holder name does not match the information on file with the cardholder's bank, but both billing address and postal code matches.
70 Account holder name matches Provided account holder name matches the information on file with the cardholder's bank.
73 Account holder name and billing postal code match Both account holder name and billing postal code provided match the information on file with the cardholder's bank.
7C Account holder name and billing address match Both account holder name and billing address provided match the information on file with the cardholder's bank.
7F Account holder name, billing address and postal code match All of the information provided match the information on file with the cardholder's bank.
80 AVS service not supported by issuer - Issuer doesn't participate in AVS AVS information was provided but the card-issuing bank does not participate in address verification.
C0 AVS not performed AVS verification has not been performed.

CSC Response Codes   
Code Message Description
M Matches The CSC provided matches the information on file with the cardholder's bank.
N Not matches The CSC provided does not match the information on file with the cardholder's bank.
P Not processed CSC has not been processed.
S Should be present Issuer indicates that CSC data should be present on the card, but the merchant has indicated data is not present on the card.
U Issuer is not certified (1) Unknown issuer; (2) issuer is not certified for CSC; (3) issuer has not provided Visa/MasterCard with the CSC encryption keys.
X Unrecognized reason Error: response is unknown or unrecognized.

Transaction Responses   
Code Type Message UniPay Code
200 Good Approved A01
3050 Soft The bank has requested that you retrieve the card from the cardholder - fraudulent activity is suspected. D01
3023 Soft Denied by customer's bank D01
3039 Soft Your request has been declined due to an invalid authentication value. D01
3009 Soft Denied by bank D01
3053 Soft The bank has requested that you retrieve the card from the cardholder - please call the acquirer. D01
3032 Soft Denied by customer's bank D01
3051 Soft The bank has requested that you retrieve the card from the cardholder - contact the acquirer for more information. D01
5021 Soft Your transaction request has been declined. D01
3014 Soft Denied by bank D01
3054 Soft The transaction was declined due to suspected fraud. D01
3012 Hard Invalid Expiration Date D02
3022 Soft Insufficient funds D03
3017 Hard Invalid card number D05
3036 Hard Your request has been declined due to an invalid issuer. D05
3002 Hard Invalid card number D05
3005 Soft CVV2 is invalid D08
3019 Soft CVV2 is invalid D08
3044 Soft You have submitted a duplicate request. D09
5031 Soft Duplicate Transaction D09
3016 Hard Card reported lost D10
3008 Soft Service not allowed D12
3504 Soft Service not allowed D12
3416 Soft Service not allowed D12
5005 Soft You submitted an invalid operation type with your request. D12
3024 Soft Service not allowed D12
3418 Soft Service not allowed D12
3412 Soft Service not allowed D12
3040 Soft Your request has been declined because the request type is not permitted on the card. D12
5004 Soft You submitted an invalid account type with your request. D12
3047 Soft The transaction was declined because the amount exceeds the floor limit. D15
3202 Soft Maximum transaction limit is exceeded at the moment. D15
1200 Soft Maximum transaction limit is exceeded at the moment. D15
3403 Soft Maximum transaction limit is exceeded at the moment. D15
3027 Soft Maximum transaction limit is exceeded at the moment. D15
3006 Hard Card is Expired D16
3049 Hard The bank has requested that you retrieve the card from the cardholder - the credit card has expired. D16
3018 Soft Re-enter Transaction D17
3020 Soft Re-enter Transaction D17
3204 Soft Bad Amount D18
3501 Soft Bad Amount D18
3402 Soft Bad Amount D18
5003 Soft You submitted an invalid amount with your request. D18
3506 Soft Bad Amount D18
3046 Soft The transaction was declined because the amount was set to zero. D18
3413 Soft Bad Amount D18
3035 Soft Your request has been declined due to exceeded PIN attempts. D21
5272 Hard Transaction Error D27
5001 Hard Transaction Error D27
3408 Hard Transaction Error D27
1000 Hard Transaction Error D27
3406 Hard Transaction Error D27
3031 Hard Transaction Error D27
3007 Hard Transaction Error D27
3038 Hard Your request has been declined due to customer cancellation. D27
1007 Hard Transaction Error D27
5042 Hard Transaction Error D27
3417 Hard Transaction Error D27
3203 Hard Transaction Error D27
3025 Hard Transaction Error D27
3503 Hard Transaction Error D27
3041 Hard Your request has been declined due to a timeout. D27
5031 Hard The transaction you have submitted has already been processed. D27
5270 Hard Transaction Error D27
3029 Hard Transaction Error D27
5281 Hard Transaction Error D27
3404 Hard Transaction Error D27
5273 Hard Transaction Error D27
5010 Hard Transaction Error D27
3414 Hard Transaction Error D27
3045 Hard You submitted an invalid date format for this request. D27
1002 Hard Transaction Error D27
3407 Hard Transaction Error D27
3200 Hard Transaction Error D27
3013 Hard Transaction Error D27
1001 Hard An error occurred with the external processing gateway. D27
3048 Hard The transaction was declined because the amount is less than the floor limit. D27
3004 Hard Transaction Error D27
5068 Hard Transaction Error D27
3500 Hard Transaction Error D27
3205 Hard Transaction Error D27
3026 Hard Transaction Error D27
5271 Hard Transaction Error D27
3505 Hard Transaction Error D27
3042 Hard Your request has been declined due to a cryptographic error. D27
5502 Hard Either the payment token is invalid or the corresponding profile or bank account is not active. D27
3405 Hard Transaction Error D27
3030 Hard Transaction Error D27
1003 Hard Transaction Error D27
5023 Hard Transaction Error D27
3415 Hard Transaction Error D27
3037 Hard Your request has been declined because it is invalid. D27
3201 Hard Transaction Error D27
3021 Hard Transaction Error D27
1008 Hard An internal error occurred. D27
5269 Hard Transaction Error D27
3502 Hard Transaction Error D27
5278 Hard Transaction Error D27
3206 Hard Transaction Error D27
3028 Hard Transaction Error D27
3052 Soft The bank has requested that you retrieve the card from the cardholder - the credit card is restricted. D29
3011 Soft Card is restricted D29
3015 Soft Call for Authorization D30
5280 Soft Incorrect merchant setup D33
5016 Soft Incorrect merchant setup D33
5279 Soft Incorrect merchant setup D33
5277 Soft Merchant profile configuration issue D34
5000 Soft Your merchant account authentication failed. Either your store ID/password are invalid or the IP address from which you are sending the transaction has not been authorized. D34
5275 Soft Merchant profile configuration issue D34
5017 Soft Merchant profile configuration issue D34
5276 Soft Merchant profile configuration issue D34
5040 Soft Merchant profile configuration issue D34

Paysafe  (real-time) Response Codes:




AVS Response Codes   
Code Message Description
00 AVS Error - Retry, System unavailable or Timed out A system error prevented any verification of street address or postal code.
40 Address not available (Address not verified) The card-issuing bank received the address but did not verify whether it was correct. This typically happens if the processor declines an authorization before the bank evaluates the address.
43 Street address not available (not verified), ZIP matches The card-issuing bank received the street address but did not verify whether it was correct. ZIP code matches.
44 Address failed Address verification has failed.
45 Street address and ZIP don't match Both street address and ZIP code provided do not match the information on file with the cardholder's bank.
46 Street address doesn't match, 5-digit ZIP matches Provided street address does not match the information on file with the cardholder's bank, but 5-digit ZIP code matches.
47 Street address doesn't match, 9-digit ZIP matches Provided street address does not match the information on file with the cardholder's bank, but 9-digit ZIP code matches.
4A Street address or ZIP doesn't match Street address or ZIP code provided does not match the information on file with the cardholder's bank.
4D Street address matches, ZIP does not Provided ZIP code does not match the information on file with the cardholder's bank, but street address matches.
4E Street address and 5-digit ZIP match Both street address and 5-digit ZIP code provided match the information on file with the cardholder's bank.
4F Street address and ZIP match Both street address and ZIP code provided match the information on file with the cardholder's bank.
53 Account holder name incorrect, billing postal code matches Provided account holder name does not match the information on file with the cardholder's bank, but billing postal code matches.
55 Unrecognized response Account holder name, billing address and postal code are all incorrect.
5C Account holder name incorrect, billing address matches Provided account holder name does not match the information on file with the cardholder's bank, but billing address matches.
5F Account holder name incorrect, billing address and postal code match Provided account holder name does not match the information on file with the cardholder's bank, but both billing address and postal code matches.
70 Account holder name matches Provided account holder name matches the information on file with the cardholder's bank.
73 Account holder name and billing postal code match Both account holder name and billing postal code provided match the information on file with the cardholder's bank.
7C Account holder name and billing address match Both account holder name and billing address provided match the information on file with the cardholder's bank.
7F Account holder name, billing address and postal code match All of the information provided match the information on file with the cardholder's bank.
80 AVS service not supported by issuer - Issuer doesn't participate in AVS AVS information was provided but the card-issuing bank does not participate in address verification.
C0 AVS not performed AVS verification has not been performed.

CSC Response Codes   
Code Message Description
M Matches The CSC provided matches the information on file with the cardholder's bank.
N Not matches The CSC provided does not match the information on file with the cardholder's bank.
P Not processed CSC has not been processed.
S Should be present Issuer indicates that CSC data should be present on the card, but the merchant has indicated data is not present on the card.
U Issuer is not certified (1) Unknown issuer; (2) issuer is not certified for CSC; (3) issuer has not provided Visa/MasterCard with the CSC encryption keys.
X Unrecognized reason Error: response is unknown or unrecognized.

Transaction Responses   
Code Type Message UniPay Code
200 Good Approved A01
3050 Soft The bank has requested that you retrieve the card from the cardholder - fraudulent activity is suspected. D01
3023 Soft Denied by customer's bank D01
3039 Soft Your request has been declined due to an invalid authentication value. D01
3009 Soft Denied by bank D01
3053 Soft The bank has requested that you retrieve the card from the cardholder - please call the acquirer. D01
3032 Soft Denied by customer's bank D01
3051 Soft The bank has requested that you retrieve the card from the cardholder - contact the acquirer for more information. D01
5021 Soft Your transaction request has been declined. D01
3014 Soft Denied by bank D01
3054 Soft The transaction was declined due to suspected fraud. D01
3012 Hard Invalid Expiration Date D02
3022 Soft Insufficient funds D03
3017 Hard Invalid card number D05
3036 Hard Your request has been declined due to an invalid issuer. D05
3002 Hard Invalid card number D05
3005 Soft CVV2 is invalid D08
3019 Soft CVV2 is invalid D08
3044 Soft You have submitted a duplicate request. D09
5031 Soft Duplicate Transaction D09
3016 Hard Card reported lost D10
3008 Soft Service not allowed D12
3504 Soft Service not allowed D12
3416 Soft Service not allowed D12
5005 Soft You submitted an invalid operation type with your request. D12
3024 Soft Service not allowed D12
3418 Soft Service not allowed D12
3412 Soft Service not allowed D12
3040 Soft Your request has been declined because the request type is not permitted on the card. D12
5004 Soft You submitted an invalid account type with your request. D12
3047 Soft The transaction was declined because the amount exceeds the floor limit. D15
3202 Soft Maximum transaction limit is exceeded at the moment. D15
1200 Soft Maximum transaction limit is exceeded at the moment. D15
3403 Soft Maximum transaction limit is exceeded at the moment. D15
3027 Soft Maximum transaction limit is exceeded at the moment. D15
3006 Hard Card is Expired D16
3049 Hard The bank has requested that you retrieve the card from the cardholder - the credit card has expired. D16
3018 Soft Re-enter Transaction D17
3020 Soft Re-enter Transaction D17
3204 Soft Bad Amount D18
3501 Soft Bad Amount D18
3402 Soft Bad Amount D18
5003 Soft You submitted an invalid amount with your request. D18
3506 Soft Bad Amount D18
3046 Soft The transaction was declined because the amount was set to zero. D18
3413 Soft Bad Amount D18
3035 Soft Your request has been declined due to exceeded PIN attempts. D21
5272 Hard Transaction Error D27
5001 Hard Transaction Error D27
3408 Hard Transaction Error D27
1000 Hard Transaction Error D27
3406 Hard Transaction Error D27
3031 Hard Transaction Error D27
3007 Hard Transaction Error D27
3038 Hard Your request has been declined due to customer cancellation. D27
1007 Hard Transaction Error D27
5042 Hard Transaction Error D27
3417 Hard Transaction Error D27
3203 Hard Transaction Error D27
3025 Hard Transaction Error D27
3503 Hard Transaction Error D27
3041 Hard Your request has been declined due to a timeout. D27
5031 Hard The transaction you have submitted has already been processed. D27
5270 Hard Transaction Error D27
3029 Hard Transaction Error D27
5281 Hard Transaction Error D27
3404 Hard Transaction Error D27
5273 Hard Transaction Error D27
5010 Hard Transaction Error D27
3414 Hard Transaction Error D27
3045 Hard You submitted an invalid date format for this request. D27
1002 Hard Transaction Error D27
3407 Hard Transaction Error D27
3200 Hard Transaction Error D27
3013 Hard Transaction Error D27
1001 Hard An error occurred with the external processing gateway. D27
3048 Hard The transaction was declined because the amount is less than the floor limit. D27
3004 Hard Transaction Error D27
5068 Hard Transaction Error D27
3500 Hard Transaction Error D27
3205 Hard Transaction Error D27
3026 Hard Transaction Error D27
5271 Hard Transaction Error D27
3505 Hard Transaction Error D27
3042 Hard Your request has been declined due to a cryptographic error. D27
5502 Hard Either the payment token is invalid or the corresponding profile or bank account is not active. D27
3405 Hard Transaction Error D27
3030 Hard Transaction Error D27
1003 Hard Transaction Error D27
5023 Hard Transaction Error D27
3415 Hard Transaction Error D27
3037 Hard Your request has been declined because it is invalid. D27
3201 Hard Transaction Error D27
3021 Hard Transaction Error D27
1008 Hard An internal error occurred. D27
5269 Hard Transaction Error D27
3502 Hard Transaction Error D27
5278 Hard Transaction Error D27
3206 Hard Transaction Error D27
3028 Hard Transaction Error D27
3052 Soft The bank has requested that you retrieve the card from the cardholder - the credit card is restricted. D29
3011 Soft Card is restricted D29
3015 Soft Call for Authorization D30
5280 Soft Incorrect merchant setup D33
5016 Soft Incorrect merchant setup D33
5279 Soft Incorrect merchant setup D33
5277 Soft Merchant profile configuration issue D34
5000 Soft Your merchant account authentication failed. Either your store ID/password are invalid or the IP address from which you are sending the transaction has not been authorized. D34
5275 Soft Merchant profile configuration issue D34
5017 Soft Merchant profile configuration issue D34
5276 Soft Merchant profile configuration issue D34
5040 Soft Merchant profile configuration issue D34