| 0QQ | 
                                                                                                                                                Hard | 
                                                                                                                                                Invalid Credit Card | 
                                                                        
                                                                                                                                                
                                                                            D05                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 33 | 
                                                                                                                                                Hard | 
                                                                                                                                                Expired card | 
                                                                        
                                                                                                                                                
                                                                            D16                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 61(1) | 
                                                                                                                                                Soft | 
                                                                                                                                                Exceeds withdrawal amount limits | 
                                                                        
                                                                                                                                                
                                                                            D18                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 13 | 
                                                                                                                                                Soft | 
                                                                                                                                                Invalid amount | 
                                                                        
                                                                                                                                                
                                                                            D18                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 65 | 
                                                                                                                                                Hard | 
                                                                                                                                                Exceeds withdrawal frequency limit | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 92 | 
                                                                                                                                                Hard | 
                                                                                                                                                Financial institution not found | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 25 | 
                                                                                                                                                Hard | 
                                                                                                                                                Unable to locate record on file | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 68 | 
                                                                                                                                                Hard | 
                                                                                                                                                Response received too late | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | ???? | 
                                                                                                                                                Hard | 
                                                                                                                                                ???? | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 30 | 
                                                                                                                                                Hard | 
                                                                                                                                                Format error | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 0Q3 | 
                                                                                                                                                Hard | 
                                                                                                                                                Payment Gateway Connection Error | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 63 | 
                                                                                                                                                Hard | 
                                                                                                                                                Security violation | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 91 | 
                                                                                                                                                Hard | 
                                                                                                                                                Issuer or switch is inoperative | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 130 | 
                                                                                                                                                Good | 
                                                                                                                                                Additional customer identification required | 
                                                                        
                                                                                                                                                
                                                                            D47                                                                         |