NMI  (real-time) Response Codes:

Transaction Responses   

Code	Type	Message	UniPay Code
100	Good	Transaction was Approved	A01
201	Soft	Do not Honor	D01
263	Soft	Declined - Update Cardholder Data Available	D01
200	Soft	Transaction was Declined by Processor	D01
240	Soft	Call Issuer for Further Information	D01
264	Soft	Declined - Retry in a few days	D01
224	Hard	Invalid Expiration Date	D02
202	Soft	Insufficient Funds	D03
250	Hard	Pick Up Card	D04
253	Hard	Fraudulent Card	D05
222	Hard	No Card Number on file with Issuer	D05
221	Hard	No Such Card Issuer	D05
225	Soft	Invalid Card Security Code	D08
251	Hard	Lost Card	D10
252	Hard	Stolen Card	D11
204	Soft	Transaction not allowed	D12
262	Hard	Declined - Stop this Recurring Program	D13
261	Hard	Declined - Stop All Recurring Payments	D13
203	Soft	Over Limit	D15
223	Hard	Expired Card	D16
260	Soft	Declined with further Instructions Available (see response text)	D17
461	Hard	Unsupported Card Type	D27
421	Hard	Communication Error with Issuer	D27
441	Hard	Invalid Transaction Information	D27
300	Hard	Transaction was Rejected by Gateway	D27
430	Hard	Duplicate Transaction at Processor	D27
220	Hard	Incorrect Payment Data	D27
460	Hard	Processor Feature not Available	D27
400	Hard	Transaction Error Returned by Processor	D27
420	Hard	Communication Error	D27
440	Hard	Processor Format Error	D27
410	Soft	Invalid Merchant Configuration	D34
411	Soft	Merchant Account is Inactive	D34

AVS Responses   

Code	Message	UniPay Code
R	Issuer system unavailable	00
B	AVS Not Available	00
0	AVS Not Available	00
E	Not a mail/phone order	00
O	AVS Not Available	00
U	Address unavailable	40
C	No address or ZIP match	45
N	No address or ZIP match	45
Z	5-character ZIP match only	46
P	Street address does not match, ZIP matches	46
L	Street address does not match, ZIP matches	46
W	9-character numeric ZIP match only	47
B	ZIP does not match	4D
A	Address match only	4D
D	Street address and postal code match	4E
M	Street address and postal code match	4E
Y	Exact match, 5-character numeric ZIP	4E
X	Exact match, 9-character numeric ZIP	4F
S	Service not supported	80
G	Non-U.S. Issuer does not participate	80
I	Non-U.S. Issuer does not participate	80

CSC Responses   

Code	Message	UniPay Code
M	CVV2/CVC2 Match	M
N	CVV2/CVC2 No Match	N
P	Not Processed	P
S	Merchant has indicated that CVV2/CVC2 is not present on card	S
U	Issuer is not certified and/or has not provided Visa encryption keys	U