| 11 | 
                                                                                                                                                Good | 
                                                                                                                                                Approved (VIP). | 
                                                                        
                                                                                                                                                
                                                                            A01                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 00 | 
                                                                                                                                                Good | 
                                                                                                                                                Approved or completed successfully. | 
                                                                        
                                                                                                                                                
                                                                            A01                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 10 | 
                                                                                                                                                Good | 
                                                                                                                                                Approved, partial amount approved. | 
                                                                        
                                                                                                                                                
                                                                            A05                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 92 | 
                                                                                                                                                Soft | 
                                                                                                                                                Financial institution or intermediate network unknown for routing. | 
                                                                        
                                                                                                                                                
                                                                            D01                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 15 | 
                                                                                                                                                Soft | 
                                                                                                                                                No such issuer. | 
                                                                        
                                                                                                                                                
                                                                            D01                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 65 | 
                                                                                                                                                Soft | 
                                                                                                                                                Exceeds withdrawal frequency limit. | 
                                                                        
                                                                                                                                                
                                                                            D03                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 51 | 
                                                                                                                                                Soft | 
                                                                                                                                                Insufficient funds. | 
                                                                        
                                                                                                                                                
                                                                            D03                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 61 | 
                                                                                                                                                Soft | 
                                                                                                                                                Exceeds withdrawal amount limit. | 
                                                                        
                                                                                                                                                
                                                                            D03                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 05 | 
                                                                                                                                                Soft | 
                                                                                                                                                Do not honor. | 
                                                                        
                                                                                                                                                
                                                                            D03                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 04 | 
                                                                                                                                                Hard | 
                                                                                                                                                Pick up. | 
                                                                        
                                                                                                                                                
                                                                            D04                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 67 | 
                                                                                                                                                Hard | 
                                                                                                                                                Hard capture; pick up. | 
                                                                        
                                                                                                                                                
                                                                            D04                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 14 | 
                                                                                                                                                Hard | 
                                                                                                                                                Invalid card number (no such number). | 
                                                                        
                                                                                                                                                
                                                                            D05                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 53 | 
                                                                                                                                                Hard | 
                                                                                                                                                No savings account. | 
                                                                        
                                                                                                                                                
                                                                            D06                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 52 | 
                                                                                                                                                Hard | 
                                                                                                                                                No checking account. | 
                                                                        
                                                                                                                                                
                                                                            D06                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 55 | 
                                                                                                                                                Soft | 
                                                                                                                                                Incorrect PIN. | 
                                                                        
                                                                                                                                                
                                                                            D07                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 86 | 
                                                                                                                                                Soft | 
                                                                                                                                                Invalid card security code. | 
                                                                        
                                                                                                                                                
                                                                            D08                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 7X | 
                                                                                                                                                Soft | 
                                                                                                                                                Duplicate reversal. | 
                                                                        
                                                                                                                                                
                                                                            D09                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 94 | 
                                                                                                                                                Soft | 
                                                                                                                                                Duplication transaction. | 
                                                                        
                                                                                                                                                
                                                                            D09                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 7Z | 
                                                                                                                                                Soft | 
                                                                                                                                                Duplicate completion. | 
                                                                        
                                                                                                                                                
                                                                            D09                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 41 | 
                                                                                                                                                Hard | 
                                                                                                                                                Lost card; pick up. | 
                                                                        
                                                                                                                                                
                                                                            D10                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 43 | 
                                                                                                                                                Hard | 
                                                                                                                                                Stolen card; pick up. | 
                                                                        
                                                                                                                                                
                                                                            D11                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 90 | 
                                                                                                                                                Soft | 
                                                                                                                                                System error. | 
                                                                        
                                                                                                                                                
                                                                            D12                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 7Y | 
                                                                                                                                                Soft | 
                                                                                                                                                Subsystem unavailable. | 
                                                                        
                                                                                                                                                
                                                                            D12                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 96 | 
                                                                                                                                                Soft | 
                                                                                                                                                System malfunction. | 
                                                                        
                                                                                                                                                
                                                                            D12                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 33 | 
                                                                                                                                                Hard | 
                                                                                                                                                Expired card; pick up. | 
                                                                        
                                                                                                                                                
                                                                            D16                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 54 | 
                                                                                                                                                Hard | 
                                                                                                                                                Expired card. | 
                                                                        
                                                                                                                                                
                                                                            D16                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 19 | 
                                                                                                                                                Soft | 
                                                                                                                                                Try again. | 
                                                                        
                                                                                                                                                
                                                                            D17                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 13 | 
                                                                                                                                                Soft | 
                                                                                                                                                Invalid amount. | 
                                                                        
                                                                                                                                                
                                                                            D18                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 7U | 
                                                                                                                                                Soft | 
                                                                                                                                                Amount too large. | 
                                                                        
                                                                                                                                                
                                                                            D18                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 75 | 
                                                                                                                                                Soft | 
                                                                                                                                                Allowable number of PIN tries exceeded. | 
                                                                        
                                                                                                                                                
                                                                            D21                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 21 | 
                                                                                                                                                Hard | 
                                                                                                                                                Reversal error. | 
                                                                        
                                                                                                                                                
                                                                            D22                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 22 | 
                                                                                                                                                Hard | 
                                                                                                                                                Reversal error. | 
                                                                        
                                                                                                                                                
                                                                            D22                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 57 | 
                                                                                                                                                Hard | 
                                                                                                                                                Transaction not permitted by cardholder. | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 40 | 
                                                                                                                                                Hard | 
                                                                                                                                                Totals unavailable. | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 26 | 
                                                                                                                                                Hard | 
                                                                                                                                                Referred ID not in DL database. | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 82 | 
                                                                                                                                                Hard | 
                                                                                                                                                Count exceeds limit. | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 06 | 
                                                                                                                                                Hard | 
                                                                                                                                                Error. | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 7V | 
                                                                                                                                                Hard | 
                                                                                                                                                Duplicate return. | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | R1 | 
                                                                                                                                                Hard | 
                                                                                                                                                Not approved. | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 29 | 
                                                                                                                                                Hard | 
                                                                                                                                                Hard negative info on file. | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 25 | 
                                                                                                                                                Hard | 
                                                                                                                                                Unable to locate record on file. | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 01 | 
                                                                                                                                                Hard | 
                                                                                                                                                Refer to card issuer. | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 66 | 
                                                                                                                                                Hard | 
                                                                                                                                                Card acceptor; call acquirer security. | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 85 | 
                                                                                                                                                Hard | 
                                                                                                                                                No reason to decline. | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 76 | 
                                                                                                                                                Hard | 
                                                                                                                                                Key synchronization error. | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 08 | 
                                                                                                                                                Hard | 
                                                                                                                                                Honor with identification. | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 7W | 
                                                                                                                                                Hard | 
                                                                                                                                                Unsuccessful. | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | R3 | 
                                                                                                                                                Hard | 
                                                                                                                                                Not approved. | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 30 | 
                                                                                                                                                Hard | 
                                                                                                                                                Format error (may also be a reversal).  | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 12 | 
                                                                                                                                                Hard | 
                                                                                                                                                Invalid transaction. | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 02 | 
                                                                                                                                                Hard | 
                                                                                                                                                Refer to card issuer's special conditions. | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 93 | 
                                                                                                                                                Hard | 
                                                                                                                                                Transaction cannot be completed ; violation of law. | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | R0 | 
                                                                                                                                                Hard | 
                                                                                                                                                Not approved. | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 62 | 
                                                                                                                                                Soft | 
                                                                                                                                                Restricted card. | 
                                                                        
                                                                                                                                                
                                                                            D29                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 36 | 
                                                                                                                                                Soft | 
                                                                                                                                                Restricted card; pick up. | 
                                                                        
                                                                                                                                                
                                                                            D29                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 27 | 
                                                                                                                                                Soft | 
                                                                                                                                                Referred - Call Center. | 
                                                                        
                                                                                                                                                
                                                                            D30                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 34 | 
                                                                                                                                                Soft | 
                                                                                                                                                Suspected fraud; pick up. | 
                                                                        
                                                                                                                                                
                                                                            D31                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 03 | 
                                                                                                                                                Soft | 
                                                                                                                                                Invalid merchant. | 
                                                                        
                                                                                                                                                
                                                                            D34                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 91 | 
                                                                                                                                                Soft | 
                                                                                                                                                Issuer or switch is inoperative (time-out). | 
                                                                        
                                                                                                                                                
                                                                            E02                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 28 | 
                                                                                                                                                Soft | 
                                                                                                                                                Referred skip trace info needed. | 
                                                                        
                                                                                                                                                
                                                                            E02                                                                         |