ProPay  (real-time) Response Codes:

Transaction Responses   

Code	Type	Message	UniPay Code
0	Good	Success	A01
99	Soft	Generic decline or unable to parse issuer response code.	D01
61	Soft	Exceeds issuer withdrawal limit	D01
5	Soft	Problem with the account	D01
8	Soft	Honor with ID only	D01
1	Soft	Transaction blocked by issuer	D01
62	Soft	Issuer does not allow this card to be charged for your business.	D01
95	Soft	Misc. Error Transaction failure	D01
49	Hard	Invalid expDate	D02
80	Hard	Invalid Date	D02
51	Soft	Insufficient funds	D03
63	Soft	Insufficient funds in account	D03
4	Hard	Pick up Card and deny transaction	D04
124	Hard	Invalid encrypted track data	D05
89	Hard	Invalid track 2	D05
15	Hard	No such issuer. Could not route transaction	D05
88	Hard	Invalid track 1	D05
48	Hard	Invalid ccNum	D05
14	Hard	Invalid card number	D05
76	Hard	Unable to locate account	D06
52	Hard	No such account	D06
78	Hard	Account not recognized	D06
55	Soft	Incorrect PIN	D07
83	Soft	Cannot verify the PIN	D07
96	Soft	Invalid PIN	D07
82	Soft	Invalid CVV2	D08
50	Soft	Invalid cvv2	D08
92	Soft	Duplicate Batch Transaction	D09
90	Soft	Transaction already refunded	D09
69	Soft	Duplicate invoice number. The same card was charged for the same amount with the same invoice number (including blank invoices) in a 1 minute period.	D09
100	Soft	Transaction Already Refunded	D09
91	Soft	Duplicate Batch ID	D09
41	Hard	Lost card	D10
43	Hard	Stolen card	D11
85	Soft	Service not supported for this card	D12
166	Soft	Service unavailable	D12
57	Soft	Bank does not allow this type of purchase	D12
58	Soft	Credit card network does not allow this type of purchase for your merchant account.	D12
7	Hard	Customer requested stop to all recurring payments	D13
6	Hard	Customer requested stop to recurring payment	D13
17	Soft	Over limit	D15
62	Soft	Amount exceeds monthly volume limit	D15
65	Soft	Activity limit exceeded	D15
61	Soft	Amount exceeds single transaction limit	D15
64	Soft	Over credit card use limit	D15
54	Hard	Expired card	D16
19	Soft	Re-enter transaction or the merchant account may be boarded incorrectly	D17
132	Soft	Account setup does not allow capture for amount greater than authorization	D18
101	Soft	Refund Exceeds Original Transaction	D18
44	Soft	Invalid amount	D18
13	Soft	Amount Error	D18
93	Soft	Batch Transaction amount error	D18
131	Soft	Capture amount exceeds allowed amount	D18
75	Soft	PIN tries exceeded	D21
16	Hard	Refund error	D22
38	Hard	Invalid dayPhone	D27
73	Hard	Invalid Destination Account	D27
116	Hard	Business (legal) zip is invalid	D27
63	Hard	Security Violation	D27
163	Hard	Invalid card type	D27
155	Hard	Invalid Significant Owner Date Of Birth	D27
147	Hard	Gross settle: Tier does not support gross settlement	D27
46	Hard	Invalid rtNum	D27
99	Hard	Unable to parse issuer response code. Generic decline	D27
185	Hard	Missing Required Signup Data	D27
168	Hard	Invalid Document Name	D27
106	Hard	Invalid SEC code	D27
94	Hard	Unavailable Tier	D27
145	Hard	Gross settle: no billing information was included with the payment info	D27
138	Hard	External Payment Identifier not provided	D27
129	Hard	Multicurrency processing is not allowed for the account	D27
28	Hard	Invalid billAddr	D27
12	Hard	Invalid transaction	D27
158	Hard	Invalid Beneficial Owner Data	D27
150	Hard	Invalid Service Setting	D27
84	Hard	InvalidBeginDate	D27
41	Hard	Invalid dob	D27
76	Hard	Not Premium (used only for push/pull transactions)	D27
127	Hard	Currency code not permitted for this account	D27
119	Hard	Business (legal) address is invalid	D27
111	Hard	Invalid EIN	D27
142	Hard	Invalid MCC Code (non-numeric or not in our database)	D27
31	Hard	Invalid state	D27
22	Hard	Invalid Currency Code	D27
171	Hard	Invalid Transaction Reference Number	D27
109	Hard	Invalid value for require CC refund	D27
54	Hard	A ProPay account with this social security number already exists	D27
122	Hard	Invalid encrypting device type	D27
114	Hard	Business (legal) city is invalid	D27
161	Hard	Invalid card for fast fund	D27
153	Hard	InvalidPaymentType	D27
52	Hard	Invalid splitNum	D27
87	Hard	DuplicateUserID	D27
79	Hard	Generic account status error	D27
36	Hard	Invalid mailState	D27
71	Hard	Account previously set up, but problem affiliating it with partner	D27
65	Hard	Miscellaneous error	D27
104	Hard	Transaction could not be refunded due to current transaction state.	D27
57	Hard	Cannot settle transaction because it already expired	D27
143	Hard	Gross settle: invalid credit card information	D27
135	Hard	Threat Metrix Invalid Account configuration	D27
34	Hard	Invalid mailApt	D27
26	Hard	Invalid mInitial	D27
97	Hard	Approved for a lesser amount. ProPay will not settle and consider this a decline.	D27
174	Hard	Invalid IP Address	D27
148	Hard	ExternalPaymentMethodIdentifier Invalid	D27
47	Hard	Invalid accntNum	D27
82	Hard	Invalid User ID	D27
39	Hard	Invalid evenPhone	D27
74	Hard	Account or Trans Error	D27
125	Hard	You may not transfer money between these two accounts. Sponsor bank transfer disallowed.	D27
117	Hard	Business (legal) country is invalid	D27
164	Hard	Flash fund not enabled	D27
156	Hard	Invalid Significant Owner SSN	D27
130	Hard	Multicurrency processing is not supported for this bank processor	D27
29	Hard	Invalid aptNum	D27
169	Hard	Invalid Document Type	D27
68	Hard	Account not affiliated	D27
107	Hard	Invalid Account Name (ACH account)	D27
60	Hard	Credit card authorization timed out	D27
95	Hard	Invalid Country Code	D27
146	Hard	Gross settle: error setting up billing information	D27
139	Hard	External Payment Provider not valid	D27
112	Hard	Invalid business legal name (DBA)	D27
159	Hard	Invalid Beneficial Owner Count	D27
151	Hard	Amex Enhanced Account Not Configured	D27
85	Hard	InvalidEndDate	D27
42	Hard	Invalid recEmail	D27
77	Hard	Empty results	D27
128	Hard	Requires Additional Validation	D27
120	Hard	Incomplete business address	D27
136	Hard	External Payment Method Not Provided	D27
133	Hard	Threat Metrix risk denied (no responseCode is returned)	D27
32	Hard	Invalid billZip	D27
23	Hard	Invalid accountType	D27
172	Hard	Invalid card holder name	D27
110	Hard	Required field is missing (This is returned only for edit ProPay account. See response tag for field name.)	D27
102	Hard	Invalid Payer Name	D27
55	Hard	The email address provided does not correspond to a ProPay account.	D27
123	Hard	Invalid key serial number	D27
115	Hard	Business (legal) state is invalid	D27
162	Hard	Transaction declined	D27
154	Hard	Invalid Significant Owner Percentage	D27
45	Hard	Invalid invNum	D27
37	Hard	Invalid mailZip	D27
72	Hard	The ProPay Account has already been upgraded to a Premium Account	D27
175	Hard	Invalid subnet mask	D27
167	Hard	Account not registered	D27
105	Hard	Direct deposit account not specified	D27
58	Hard	Credit card declined (the responseCode element will provide info on the decline reason)	D27
144	Hard	Gross settle: invalid billing information	D27
137	Hard	External Payment Provider not provided	D27
27	Hard	Invalid lastName	D27
98	Hard	Failure HV	D27
157	Hard	Invalid Notification Email	D27
149	Hard	Invalid DoingBusinessAs	D27
83	Hard	BatchTransCountError	D27
40	Hard	Invalid ssn	D27
75	Hard	Money already pulled	D27
126	Hard	Currency code not allowed for this transaction	D27
118	Hard	Mailing address invalid	D27
25	Hard	Invalid terminal	D27
9	Hard	Unpaid items on customer account	D27
141	Hard	Inactive or blocked MCC Code	D27
30	Hard	Invalid city	D27
21	Hard	Invalid transType	D27
170	Hard	Invalid Document	D27
53	Hard	A ProPay account with this e-mail address already exists or User has no AccountNumber	D27
121	Hard	Amount Encumbered by enhanced Spendback	D27
113	Hard	One of the business legal address fields is invalid	D27
160	Hard	Invalid card holder billing name	D27
152	Hard	BadRequest	D27
51	Hard	Invalid transNum or unavailable to act on transNum due to funding	D27
86	Hard	InvalidExternalID	D27
43	Hard	Invalid knownAccount	D27
35	Hard	Invalid mailCity	D27
103	Hard	Transaction does not meet date criteria	D27
56	Hard	Recipient’s e-mail address shouldn’t have a ProPay account and does	D27
140	Hard	External Payment Method Provided	D27
134	Hard	Threat Metrix Invalid SessionId	D27
33	Hard	Invalid mailAddr	D27
24	Hard	Invalid sourceEmail	D27
173	Hard	Invalid Referrer URL	D27
165	Hard	Missing required flash fund data	D27
93	Soft	Cannot complete transaction. Customer should call 800 number.	D30
81	Soft	Account Expired	D34
67	Soft	Unauthorized service requested	D34
59	Soft	Invalid Credential or IP address not allowed	D34
5	Soft	Problem with the account	D34
20	Soft	Invalid username	D34
80	Soft	Invalid Password	D34
66	Soft	Denied a ProPay account (Developer should display a descriptive message that guides a new user to fill out ProPay exceptions form and submit it.)	D34
108	Soft	Invalid x509 certificate	D34
78	Soft	Invalid Authentication	D34
63	Hard	Insufficient funds in account	R10
93	Hard	Batch Transaction amount error	R19
132	Hard	Account setup does not allow capture for amount greater than authorization	R19
101	Hard	Refund Exceeds Original Transaction	R19
44	Hard	Invalid amount	R19
131	Hard	Capture amount exceeds allowed amount	R19
100	Hard	Transaction Already Refunded	R24
90	Hard	Transaction already refunded	R24
70	Hard	Duplicate external ID	R24
69	Hard	"Duplicate invoice number (The same card was charged for the same amount with the same invoice number (including blank invoices) in a 1 minute period. Details about the original transaction are included whenever a 69 response is returned. These details	R24
91	Hard	Duplicate Batch ID	R24
92	Hard	Duplicate Batch Transaction	R24
64	Hard	Over credit card use limit	R34
62	Hard	Amount exceeds monthly volume limit	R34
107	Hard	Invalid Account Name (ACH account)	R45
79	Hard	Generic account status error	R95
108	Hard	Invalid x509 certificate	R95
66	Hard	Denied a ProPay account (Developer should display a descriptive message that guides a new user to fill out ProPay exceptions form and submit it.)	R95
80	Hard	Invalid Password	R95
20	Hard	Invalid username	R95
78	Hard	Invalid Authentication	R95
67	Hard	Unauthorized service requested	R95
59	Hard	Invalid Credential or IP address not allowed	R95
81	Hard	AccountExpired	R95
170	Hard	Invalid Document	R96
87	Hard	DuplicateUserID	R99
126	Hard	Currency code not allowed for this transaction	R99
118	Hard	Mailing address invalid	R99
55	Hard	The email address provided does not correspond to a ProPay account	R99
47	Hard	Invalid accntNum	R99
159	Hard	Invalid Beneficial Owner Count	R99
95	Hard	Invalid Country Code	R99
60	Hard	Credit card authorization timed out	R99
172	Hard	Invalid card holder name	R99
164	Hard	Flash fund not enabled	R99
37	Hard	Invalid mailZip	R99
29	Hard	Invalid aptNum	R99
147	Hard	Gross settle: Tier does not support gross settlement	R99
139	Hard	External Payment Provider not valid	R99
77	Hard	Empty results	R99
68	Hard	Account not affiliated	R99
42	Hard	Invalid recEmail	R99
152	Hard	BadRequest	R99
82	Hard	InvalidUserID	R99
129	Hard	Multicurrency processing is not allowed for the account	R99
121	Hard	Amount Encumbered by enhanced Spendback	R99
58	Hard	Credit card declined (the responseCode element will provide info on the decline reason	R99
50	Hard	Invalid cvv2	R99
24	Hard	Invalid sourceEmail	R99
142	Hard	R99", "Invalid MCC Code (non-numeric or not in our database)	R99
134	Hard	Threat Metrix Invalid SessionId	R99
72	Hard	The ProPay Account has already been upgraded to a Premium Account	R99
175	Hard	Invalid subnet mask	R99
167	Hard	Account not registered	R99
111	Hard	Invalid EIN	R99
103	Hard	Transaction does not meet date criteria	R99
40	Hard	Invalid ssn	R99
32	Hard	Invalid billZip	R99
124	Hard	Invalid encrypted track data	R99
116	Hard	Business (legal) zip is invalid	R99
53	Hard	A ProPay account with this e-mail address already exists or User has no AccountNumber	R99
45	Hard	Invalid invNum	R99
157	Hard	Invalid Notification Email	R99
155	Hard	Invalid Significant Owner Date Of Birth	R99
85	Hard	InvalidEndDate	R99
22	Hard	Invalid Currency Code	R99
162	Hard	Transaction declined	R99
106	Hard	Invalid SEC code	R99
98	Hard	Account created in documentary status, but still must be validated and paid for	R99
35	Hard	Invalid mailCity	R99
27	Hard	Invalid lastName	R99
145	Hard	Gross settle: no billing information was included with the payment info	R99
137	Hard	External Payment Provider not provided	R99
75	Hard	Money already pulled	R99
150	Hard	Invalid Service Setting	R99
88	Hard	Invalid track 1	R99
127	Hard	Currency code not permitted for this account	R99
119	Hard	Business (legal) address is invalid	R99
56	Hard	Recipient’s e-mail address shouldn’t have a ProPay account and does	R99
48	Hard	Invalid ccNum "	R99
160	Hard	Invalid card holder billing name	R99
61	Hard	Credit card authorization timed out	R99
173	Hard	Invalid Referrer URL	R99
165	Hard	Missing required flash fund data	R99
109	Hard	Invalid value for require CC refund	R99
38	Hard	Invalid dayPhone	R99
30	Hard	Invalid city	R99
148	Hard	ExternalPaymentMethodIdentifier Invalid	R99
140	Hard	External Payment Method Provided	R99
114	Hard	Business (legal) city is invalid	R99
51	Hard	Invalid transNum or unavailable to act on transNum due to funding	R99
43	Hard	Invalid knownAccount	R99
153	Hard	InvalidPaymentType	R99
83	Hard	BatchTransCountError	R99
130	Hard	Multicurrency processing is not supported for this bank processor	R99
122	Hard	Invalid encrypting device type	R99
96	Hard	Invalid PIN	R99
33	Hard	Invalid mailAddr	R99
25	Hard	Invalid firstName	R99
143	Hard	Gross settle: invalid credit card information	R99
135	Hard	Threat Metrix Invalid Account configuration	R99
73	Hard	Invalid Destination Account	R99
185	Hard	Missing Required Signup Data	R99
168	Hard	Invalid Document Name	R99
112	Hard	Invalid business legal name (DBA)	R99
104	Hard	Transaction could not be refunded due to current transaction state	R99
125	Hard	You may not transfer money between these two accounts. Sponsor bank transfer disallowed	R99
117	Hard	Business (legal) country is invalid	R99
54	Hard	A ProPay account with this social security number already exists	R99
46	Hard	Invalid rtNum	R99
158	Hard	Invalid Beneficial Owner Data	R99
94	Hard	Unavailable Tier	R99
86	Hard	InvalidExternalID	R99
171	Hard	Invalid Transaction Reference Number	R99
163	Hard	Invalid card type	R99
99	Hard	Account created successfully, but still must be paid for	R99
36	Hard	Invalid mailState	R99
28	Hard	Invalid billAddr	R99
146	Hard	Gross settle: error setting up billing information	R99
138	Hard	External Payment Identifier not provided	R99
76	Hard	Not Premium (used only for push/pull transactions)	R99
151	Hard	Amex Enhanced Account Not Configured	R99
89	Hard	Invalid track 2	R99
128	Hard	Requires Additional Validation	R99
120	Hard	Incomplete business address	R99
57	Hard	Cannot settle transaction because it already expired	R99
49	Hard	Invalid expDate	R99
161	Hard	Invalid card for fast fund	R99
41	Hard	Invalid dob	R99
141	Hard	Inactive or blocked MCC Code	R99
133	Hard	Threat Metrix risk denied (no responseCode is returned)	R99
71	Hard	Account previously set up, but problem affiliating it with partner	R99
174	Hard	Invalid IP Address	R99
166	Hard	Service unavailable	R99
110	Hard	Required field is missing (This is returned only for edit ProPay account. See response tag for field name.)	R99
102	Hard	Invalid Payer Name	R99
39	Hard	Invalid evenPhone	R99
31	Hard	Invalid state	R99
149	Hard	Invalid DoingBusinessAs	R99
23	Hard	Invalid accountType	R99
123	Hard	Invalid key serial number	R99
115	Hard	Business (legal) state is invalid	R99
52	Hard	Invalid splitNum	R99
156	Hard	Invalid Significant Owner SSN	R99
154	Hard	Invalid Significant Owner Percentage	R99
84	Hard	InvalidBeginDate	R99
21	Hard	Invalid transType	R99
105	Hard	Direct deposit account not specified	R99
97	Hard	Account created in documentary status, but still must be validated	R99
34	Hard	Invalid mailApt	R99
26	Hard	Invalid mInitial	R99
144	Hard	Gross settle: invalid billing information	R99
136	Hard	External Payment Method Not Provided	R99
74	Hard	Account or Trans Error	R99
65	Hard	Miscellaneous error	R99
169	Hard	Invalid Document Type	R99
113	Hard	One of the business legal address fields is invalid	R99

AVS Responses   

Code	Message	UniPay Code
I	Address not verified	40
E	AVS Data is invalid, AVS is not allowed for this card type	40
0	No data provided to perform AVS check	40
C	Street address and postal code do not match	45
W	Street Address does not match, 9 digit postal code does	47
A	Street address matches 5-digit and 9-digit postal code do not match	4D
B	Address Match, postal code not verified	4D
Y	Street Address and 5 digit postal code match	4E
X	Street Address and 9 digit postal code match	4F
F	Name does not match, postal code matches	53
J	Name does not match, full AVS does not match	55
T	Name does not match, Street Address Match	5C
H	Name does not match, full AVS matches	5F
K	Name matches, full AVS does not match	70
L	Name matches, postal code matches	73
O	Name match, Address Match, Postal Code no match	7C
Q	Exact match	7F
V	Exact Match	7F
G	Non-U.S. issuing bank does not support AVS	80

CSC Responses   

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