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Available Providers for Response Code "D01":

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Provider:  Amex (batch)   
Transaction Responses
Code Type Message UniPay Code
C0100 Soft CAS DENIED APPROVAL FOR THE CARD D01
C0107 Soft CALL ISSUER D01
05 Soft DENEGADA D01
30 Soft Denegada tarjeta invalida D01
V2001 Soft CARD ALREADY ENROLLED D01
V2002 Soft DELETE REJECTED AS CARD# DID NOT MATCH D01
V2003 Soft UPDATE IGNORED D01
V4001 Soft CARD MEMBER IS NOT ENROLLED D01

Provider:  Clearhaus (real-time)   
Transaction Responses
Code Type Message UniPay Code
40410 Soft Declined by issuer or card scheme D01

Provider:  Credorax (ePower) (real-time)   
Transaction Responses
Code Type Message UniPay Code
05 Soft Do not honour D01
04 Soft Do not Honour D01
07 Soft Honour with ID D01
59 Soft Suspected Fraud D01
67 Soft Retain Card; no reason specified D01

Provider:  Elavon Europe (EISOP) (real-time)   
Transaction Responses
Code Type Message UniPay Code
100 Soft Do not honour D01

Provider:  Elavon Mass Transact (batch)   
Transaction Responses
Code Type Message UniPay Code
P5 Soft Pin change/unblock request declined D01
88 Soft Give courtesy card D01
91 Soft Issuer or switch inoperative (stand-in not applicable or available for this transaction) D01
92 Soft Unable to route transaction D01
93 Soft Transaction cannot be completed; violation of law D01
96 Soft System malfunction D01
98 Soft Please wait D01
B1 Soft Surcharge amount not permitted on Visa Cards D01
N0 Soft Force STIP D01
N3 Soft Cash service not available D01
N4 Soft Cashback request exceeds issuer limit D01
86 Soft Please call issuer D01
P6 Soft Unsafe Pin D01
R0 Soft Stop Payment order D01
R1 Soft Revocation of Authorization Order D01
R3 Soft Revocation of all Authorization Orders D01
Z3 Soft Unable to go online-declined D01
XA Soft Forward to Issuer D01
XD Soft Forward to Issuer D01
Q1 Soft Card authentication failed D01
T4 Soft Unpaid items, failed negative file check D01
59 Soft Suspected Fraud (Discover) D01
02 Soft Refer to card issuer, special condition D01
05 Soft Do not honor D01
08 Soft Honor with ID D01
31 Soft Bank Not Supported By Switch (Discover) D01
34 Soft Suspected Fraud (Discover) D01
35 Soft Card Acceptor Contact Acquirer (Discover) D01
36 Soft Restricted Card (Discover) D01
37 Soft Call Card Acceptor Acquirer Security (Discover) D01
57 Soft Transaction not permitted to cardholder D01
58 Soft Transaction not permitted to terminal D01
01 Soft Refer to card issuer D01
60 Soft Card Acceptor Contact Acquirer (Discover) D01
61 Soft Exceeds withdrawal amount limit (activity amount limit exceeded) D01
62 Soft Restricted card D01
63 Soft Security violation D01
65 Soft Activity count limit exceeded D01
66 Soft Card Acceptor Call Aquirer's Security Dept (Discover) D01
67 Soft Hard Capture (Requires ATM Pickup) (Discover) D01
68 Soft Response Received Too Late (Discover) D01
83 Soft Unable to verify PIN D01

Provider:  Elavon viaConex4 (real-time)   
Transaction Responses
Code Type Message UniPay Code
NP Soft Declined D01

Provider:  EVO Snap* (real-time)   
Transaction Responses
Code Type Message UniPay Code
0 Soft UNKNOWN D01
6 Soft DECLINE D01
117 Soft FRAUD RTRN CARD D01

Provider:  EziDebit (real-time)   
Transaction Responses
Code Type Message UniPay Code
005 Soft Do Not Honour D01
005 Soft Do not honour D01
015 Soft No Such Issuer D01
20 Soft Invalid Response D01
21 Soft No Action Taken D01
31 Soft Bank not Supported by Switch D01
92 Soft Financial Institution not Found D01
05 Soft Do Not Honour D01
02 Soft Direct Debit Request Cancelled at Bank D01
21 Soft Credit Card Transaction Declined D01

Provider:  FirstData BuyPass (real-time)   
Transaction Responses
Code Type Message UniPay Code
15 Soft No such issuer. D01
92 Soft Financial institution or intermediate network unknown for routing. D01

Provider:  FirstData Compass (batch)   
Transaction Responses
Code Type Message UniPay Code
262 Soft Authorization Code Response Date Invalid D01
303 Soft Processor Decline D01
307 Soft Authorization Not Found D01
530 Soft Do Not Honor D01
544 Soft Invalid Email Address D01
547 Soft Address Verification Failed D01
585 Soft No Original Authorization Found D01
586 Soft Outstanding Authorization D01
595 Soft Deny New Card Issued D01
764 Soft Authorization Revoked by Consumer D01
997 Soft Acquirer Error D01
614 Soft Do Not Retry D01

Provider:  FirstData Compass (real-time)   
Transaction Responses
Code Type Message UniPay Code
262 Soft Authorization Code Response Date Invalid D01
303 Soft Processor Decline D01
307 Soft Authorization Not Found D01
530 Soft Do Not Honor D01
544 Soft Invalid Email Address D01
547 Soft Address Verification Failed D01
585 Soft No Original Authorization Found D01
586 Soft Outstanding Authorization, Funds on Hold D01
595 Soft New Card Issued D01
764 Soft Authorization Revoked by Consumer D01
997 Soft Acquirer Error D01

Provider:  FirstData Global Gateway (Linkpoint) (real-time)   
Transaction Responses
Code Type Message UniPay Code
000001 Soft SGS_RC_DECLINED D01
000002 Soft SGS_RC_REFERRAL D01

Provider:  FirstData Nashville (real-time)   
Transaction Responses
Code Type Message UniPay Code
05 Soft Declined D01
51 Soft Declined D01
N3 Soft Declined D01
60 Soft Hold-Call Ctr D01
01 Soft Referral D01
1A Soft Additional Authorization Credentials Required (Visa, MasterCard, or American Express European Union Pass Through Merchants only) D01

Provider:  FirstData Omaha (real-time)   
Transaction Responses
Code Type Message UniPay Code
CALL CENT Soft D01
DECLINED Soft D01
INV _ TKT _ TERMS _ Soft D01

Provider:  FirstData OmniPay (real-time)   
Transaction Responses
Code Type Message UniPay Code
2 Soft Refer to card issuer D01
4 Soft Do not honour D01
5 Soft Do not honour D01
58 Soft Txn Not Permitted On Term D01
59 Soft Suspected Fraud D01
89 Soft Security Violation D01
97 Soft No Funds Transfer D01

Provider:  FirstData Rapid Connect (real-time)   
Transaction Responses
Code Type Message UniPay Code
100 Soft Do not honor D01
124 Soft Violation of law. D01
500 Soft Decline. D01
513 Soft Decline. Transaction not permitted to acquirer or terminal. D01
514 Soft Do not try again – Applies to recurring authorizations only. There was security violation. D01
515 Soft Declined. No term record on First Data system. D01
540 Soft Edit Honor. D01
708 Soft Honor With Authentication. D01
773 Soft Unsuccessful. D01
790 Soft Not approved. Used only in Visa bill/recurring payment. Merchant must not resubmit same transaction but may continue billing process in subsequent billing period. D01
791 Soft Not approved. Used only in Visa bill/recurring payment. Merchant must stop recurring payment requests. D01
911 Soft Card issuer timed out. D01

Provider:  Fiserv (ACH-batch)   
Transaction Responses
Code Type Message UniPay Code
R33 Soft Customer Disputes Charge D01
R36 Soft Customer Declines Authorization D01
R37 Soft Non-Receipt of Requested Draft D01
R38 Soft Transaction Exceeds Floor Limit D01
R39 Soft Non-Receipt of Credit D01
R41 Soft Miscellaneous Decline D01
R06 Soft Returned per Originators Request D01
R09 Soft Uncollected Funds D01
R10 Soft Customer Advises Not Authorized D01
R12 Soft Branch Sold to Another DFI D01
R13 Soft Non-Participating Financial Institution D01

Provider:  Fiserv (CC-batch)   
Transaction Responses
Code Type Message UniPay Code
63 Soft DECLINED D01
93 Soft DECLINED D01
V32 Soft FRAUD TRANSACTION D01
V61 Soft OVER LIMIT D01
V28 Soft REQ CARD BE RETURNED D01
V57 Soft UNAUTH MULT TRANS D01
M4807 Soft WARNING BULLETIN D01
M4812 Soft ACCT NUMBER NOT ON FILE D01
A154 Soft CANCELLED ORDER D01
V1307 Soft CANCELLED SERVICES D01
AF29 Soft CARD NOT PRESENT D01
V1101 Soft CARD RECOVERY BULLETIN D01
A175 Soft CARDHOLD REQUESTS CREDIT D01
AC29 Soft CARDHOLDER WAS OVERCHRGD D01
A684 Soft CHARGE PAID IN CASH D01
M4854 Soft CLAIM/DEFENSE D01
V54 Soft CLAIM/DEFENSE D01
M6341 Soft COPY REQ-LEGAL/FRD INVEST D01
V33 Soft COPY REQ-LEGAL/FRD INVEST D01
M6305 Soft COPY REQUEST-CHBK SUPPORT D01
V1304 Soft COUNTERFEIT MERCHANDISE D01
V1306 Soft CREDIT NOT PROCESSED D01
V1102 Soft DECLINED AUTHORIZATION D01
V56 Soft DEFTV MERCH D01
A063 Soft DISSATISFACTION W/SERVICE D01
V1001 Soft EMV LIABLTY CNTRFT FRAUD D01
V1002 Soft EMVLIABLTY NON-CNTRFT FRD D01
V83 Soft FRD TRAN - CARD ABSENT D01
AC08 Soft GOODS/SERVICES NOT REC'D D01
V1201 Soft LATE PRESENTMENT D01
V1301 Soft MERCH/SERVICE NOT RECV'D D01
V1305 Soft MISREPRESENTATION D01
V1103 Soft NO AUTHORIZATION D01
AR13 Soft NO REPLY D01
V70 Soft NO VERIFICATION/EXCEPTION D01
V90 Soft NON RECEIPT MERCH D01
V1309 Soft NON RECEIPT OF CASH D01
V1303 Soft NOT AS DESCRIBED D01
V53 Soft NOT AS DESCRIBED D01
V1308 Soft ORIG CRDT TRANS NT ACCPTD D01
V1004 Soft OTHR FRD-CRD ABSNT ENVRNM D01
V1003 Soft OTHR FRD-CRD PRSNT ENVRNM D01
AC05 Soft PROOF OF CANCEL PROVIDED D01
V34 Soft REP REQ-LEGAL/FRD INVEST D01
A021 Soft SERVICE WAS CANCELLED D01
V20 Soft UNAUTHORIZED D01
V1005 Soft VISA FRD MONITORING PRGRM D01
V29 Soft AUTH DECLINED D01
V71 Soft AUTH DECLINED D01
M4808 Soft AUTH NOT OBTAINED D01
D4541 Soft DISPUTED CHARGE D01
D4553 Soft DISPUTED CHARGE D01
D4752 Soft DISPUTED CHARGE D01
D4755 Soft DISPUTED CHARGE D01
D6005 Soft DISPUTED CHARGE D01
D7030 Soft DISPUTED CHARGE D01
D8002 Soft DISPUTED CHARGE D01
M4553 Soft DISPUTED CHARGE D01
M4855 Soft DISPUTED CHARGE D01
V75 Soft DOES NOT RECOGNIZE D01
A127 Soft DOES NOT RECOGNIZE CHARGE D01
A176 Soft DOES NOT RECOGNIZE CHARGE D01
D4865 Soft DOES NOT RECOGNIZE CHARGE D01
M4840 Soft FRAUD PROCESSING OF TRANS D01
M4837 Soft FRD TRAN-NO AUTHORIZATION D01
V59 Soft NEG VERIFICATION D01
V72 Soft NO AUTHORIZATION D01
M4850 Soft NON RECEIPT OF MDSE -SRVC D01
M4853 Soft NON RECEIPT OF MDSE -SRVC D01
M4859 Soft NON RECEIPT OF MDSE -SRVC D01
M4903 Soft INCOMPLETE DOC D01
V81 Soft MISSING IMPRINT D01
V84 Soft NO SIGNATURE D01
M4801 Soft NON-RECEIPT D01
V79 Soft NON-RECEIPT D01
VR28 Soft NON-RECEIPT D01
V50 Soft CR AS DR, SALE D01
M4860 Soft CR NOT PROCESSED D01
V85 Soft CR VOUCH NOT RECD D01
V95 Soft ADV LODGE DEP D01
V94 Soft CANCEL RESERV D01
25 Soft DECLINE D01
28 Soft DECLINE D01
85 Soft DECLINE D01
5 Soft DECLINED D01
6 Soft DECLINED D01
52 Soft DECLINED D01
53 Soft DECLINED D01
56 Soft DECLINED D01
57 Soft DECLINED D01
58 Soft DECLINED D01
83 Soft DECLINED D01
84 Soft DECLINED D01
92 Soft DECLINED D01
96 Soft DECLINED D01
V31 Soft ERROR IN ADDITION D01
V74 Soft LATE PRESENT D01
82 Soft MICR CHECK DECLINED D01
79 Soft MISC-DECLINE D01
R41 Soft MISC-DECLINE D01
91 Soft NON-RESPONSE D01
V93 Soft RISK ID SVC D01
21 Soft SYSTEM ERROR D01
76 Soft SYSTEM ERROR D01
77 Soft SYSTEM ERROR D01
V26 Soft T&E COPY FULFILL D01
V27 Soft T&E DOC FULFILL D01
V23 Soft T&E INVALID D01
V21 Soft T&E LATE PRESENT D01
V25 Soft T&E PROCESS ERROR D01
R36 Soft AUTH DECLINED-FREEZE D01
R33 Soft CHARGE DISPUTED D01
R37 Soft NO SIGNATURE D01
R39 Soft NON-RECEIPT OF CREDIT D01
R32 Soft WARNING BULLETIN D01
M4863 Soft UNAUTHORIZED TRANS D01
A680 Soft CUSTOMER DISPUTES TRANSAC D01

Provider:  GETI (batch)   
Transaction Responses
Code Type Message UniPay Code
2056 Soft ID Flagged For Some Problem D01

Provider:  Global East (real-time)   
Transaction Responses
Code Type Message UniPay Code
001 Soft CALL AMEX D01
002 Soft CALL AMEX D01
005 Soft DECLINE D01

Provider:  Heartland Exchange (real-time)   
Transaction Responses
Code Type Message UniPay Code
02 Soft Call D01
05 Soft Decline D01
61 Soft Decline D01
62 Soft Decline D01
65 Soft Decline D01
82 Soft Cashback Not App D01

Provider:  Heartland Portico (real-time)   
Transaction Responses
Code Type Message UniPay Code
02 Soft Call D01
05 Soft Decline , do not honor. D01
51 Soft Decline, insufficient funds. D01
61 Soft Decline D01
62 Soft Decline D01
63 Soft Sec violation. D01
65 Soft Decline, activity limit D01
86 Soft Cant verify PIN. D01
91 Soft No reply. D01
6 Soft Card already active. D01
12 Soft Do not honor D01

Provider:  JPMorgan (batch)   
Transaction Responses
Code Type Message UniPay Code
200 Soft PICK UP CARD D01

Provider:  Latvijas Pasta Banka (LPB) (real-time)   
Transaction Responses
Code Type Message UniPay Code
100 Soft Decline (general, no comments) D01
102 Soft Decline, suspected fraud D01
107 Soft Decline, refer to card issuer D01
108 Soft Decline, refer to card issuer's special conditions D01
129 Soft Decline, suspected counterfeit card D01
180 Soft Decline, by cardholders wish D01

Provider:  MasterCard Payment Gateway (MPGS) (real-time)   
Transaction Responses
Code Type Message UniPay Code
DECLINED_DO_NOT_CONTACT Soft Transaction declined - do not contact issuer D01
UNSPECIFIED_FAILURE Soft Transaction could not be processed D01
TIMED_OUT Soft The gateway has timed out the request to the acquirer because it did not receive a response. Points redemption should not be offered to the payer. D01
SYSTEM_ERROR Soft Internal system error occurred processing the transaction D01
REFERRED Soft Transaction declined - refer to issuer D01
NO_BALANCE Soft A balance amount is not available for the card. The payer cannot redeem points. D01
NOT_SUPPORTED Soft Transaction type not supported D01
NOT_ENROLLED_3D_SECURE Soft Card holder is not enrolled in 3D Secure D01
EXCEEDED_RETRY_LIMIT Soft Transaction retry limit exceeded D01
INVALID_REQUEST Soft The request was rejected because it did not conform to the API protocol. D01
DECLINED Soft The requested operation was not successful. For example, a payment was declined by issuer or payer authentication was not able to be successfully completed. D01
CANCELLED Soft Transaction cancelled by payer D01
AUTHENTICATION_FAILED Soft Payer authentication failed D01
ACQUIRER_SYSTEM_ERROR Soft Acquirer system error occurred processing the transaction D01
ABORTED Soft Transaction aborted by payer D01
SERVER_FAILED Soft There was an internal system failure. D01
REQUEST_REJECTED Soft The request was rejected due to security reasons such as firewall rules, expired certificate, etc. D01

Provider:  Merchant Warrior (batch)   
Transaction Responses
Code Type Message UniPay Code
2 Soft Transaction declined – contact issuing bank D01
7 Soft Bank rejected request D01
8 Soft Bank declined transaction – type not supported D01
9 Soft Bank declined transaction – do not contact bank D01

Provider:  Merchant Warrior (real-time)   
Transaction Responses
Code Type Message UniPay Code
2 Soft Transaction declined – contact issuing bank D01
7 Soft Bank rejected request D01
8 Soft Bank declined transaction – type not supported D01
9 Soft Bank declined transaction – do not contact bank D01

Provider:  MIGS (real-time)   
Transaction Responses
Code Type Message UniPay Code
9 Soft Bank Declined Transaction (Do not contact Bank) D01

Provider:  Moneris (batch)   
Transaction Responses
Code Type Message UniPay Code
093 Soft Delinquent D01
111 Soft Delinquent D01
476 Soft CREDIT CARD - Invalid transaction, rejected D01
485 Soft CREDIT CARD - Not authorized D01
906 Soft Capture - Delinquent D01
421 Soft Card Declined D01

Provider:  Moneris (real-time)   
Transaction Responses
Code Type Message UniPay Code
093 Soft Delinquent D01
111 Soft Delinquent D01
476 Soft CREDIT CARD - Invalid transaction, rejected D01
485 Soft CREDIT CARD - Not authorized D01
906 Soft Capture - Delinquent D01
421 Soft Card Declined D01

Provider:  Moneris eSelect (real-time)   
Transaction Responses
Code Type Message UniPay Code
092 Soft Advance Less Than Minimum D01
481 Soft Transaction not allowed to be processed by cardholder D01
485 Soft CREDIT CARD - Not Authorized D01
421 Soft Card Declined D01

Provider:  Napse VTOL (real-time)   
Transaction Responses
Code Type Message UniPay Code
5 Soft Denied D01
84 Soft DECLINED ISSUER D01

Provider:  Napse VTOL Cards-batch   
Transaction Responses
Code Type Message UniPay Code
05 Soft DENEGADA D01
30 Soft Denegada tarjeta invalida D01
84 Soft DECLINED ISSUER D01

Provider:  NMI (real-time)   
Transaction Responses
Code Type Message UniPay Code
200 Soft Transaction was Declined by Processor D01
201 Soft Do not Honor D01
240 Soft Call Issuer for Further Information D01
263 Soft Declined - Update Cardholder Data Available D01
264 Soft Declined - Retry in a few days D01

Provider:  PagoPay (real-time)   
Transaction Responses
Code Type Message UniPay Code
2 Soft Declined D01
200 Soft Bank Decline D01
202 Soft Do Not Honor D01
207 Soft Card blacklisted by the bank D01

Provider:  Paymentech Orbital (Stratus/Salem, PNS/Tandem/Tampa) (batch)   
Transaction Responses
Code Type Message UniPay Code
05 Soft Do Not Honor D01
09 Soft Revocation of Authorization D01
52 Soft Processor Decline D01
60 Soft Do Not Honor Low Fraud D01
61 Soft Do Not Honor Medium Fraud D01
62 Soft Do Not Honor High fraud D01
63 Soft Do Not Honor Unavailable Fraud D01
92 Soft Approved Medium Fraud D01
PB Soft Revocation of all Authorization D01

Provider:  Paymentech Orbital (Stratus/Salem, PNS/Tandem/Tampa) (real-time)   
Transaction Responses
Code Type Message UniPay Code
05 Soft Do Not Honor D01
09 Soft Revocation of Authorization D01
52 Soft Processor Decline D01
61 Soft Do Not Honor Medium Fraud D01
62 Soft Do Not Honor High fraud D01
63 Soft Do Not Honor Unavailable Fraud D01
PB Soft Revocation of all Authorization D01

Provider:  Paymentech UTF (real-time)   
Transaction Responses
Code Type Message UniPay Code
200 Soft Auth Declined Cardholder's bank did not approve transaction. D01
232 Soft Auth Declined Invalid card type for Prior Auth sale. D01
233 Soft Auth Declined Terminal Type not supported. D01

Provider:  Paymentus (real-time)   
Transaction Responses
Code Type Message UniPay Code
Soft FAILED D01
Soft FAILED D01

Provider:  Paysafe (real-time)   
Transaction Responses
Code Type Message UniPay Code
3009 Soft Denied by bank D01
3014 Soft Denied by bank D01
3023 Soft Denied by customer's bank D01
3032 Soft Denied by customer's bank D01
5021 Soft Your transaction request has been declined. D01
3039 Soft Your request has been declined due to an invalid authentication value. D01
3050 Soft The bank has requested that you retrieve the card from the cardholder - fraudulent activity is suspected. D01
3051 Soft The bank has requested that you retrieve the card from the cardholder - contact the acquirer for more information. D01
3053 Soft The bank has requested that you retrieve the card from the cardholder - please call the acquirer. D01
3054 Soft The transaction was declined due to suspected fraud. D01

Provider:  PayVision (real-time)   
Transaction Responses
Code Type Message UniPay Code
116 Soft Credits not allowed D01
86 Soft K M E Sync Error D01
85 Soft No Keys To Use D01
84 Soft Invalid Life Cycle of transaction D01
83 Soft Not declined (AVS Only) D01
79 Soft Key Validation Error D01
77 Soft Issuer Does Not Participate In The Service D01
68 Soft Response received too late. D01
07 Soft Honour with ID D01
04 Soft Do not honour D01
117 Soft Card type not accepted D01
88 Soft MAC sync Error D01
TD Soft Rev not allowed D01
TC Soft Retry bad addr D01
093 Soft Decline D01
092 Soft Invalid routing D01
091 Soft No Reply D01
080 Soft Date error D01
079 Soft Already reversed D01
076 Soft Unsolic reversal D01
021 Soft No action taken D01
800.100.154 Soft Transaction marked as invalid D01
800.800.800 Soft Acquiring bank is currently not available. Please contact with your processor in case this error persists. D01
100.100.501 Soft Invalid credit card brand D01
100.500.201 Soft Payment type invalid D01
100.200.103 Soft Bank account has invalid bankcode/name account number combination D01
100.395.502 Soft Acquirer/Bank reported timeout on online transfer transaction D01
800.200.101 Soft Creditcard / bank account declined by clearing house D01
800.100.173 Soft Invalid currency, not processed by authorization center D01
800.100.164 Soft Merchants limit exceeded D01
800.100.161 Soft Too many invalid tries D01
800.100.158 Soft Suspecting manipulation D01
015 Soft No such issuer D01
800.100.152 Soft Transaction declined by authorization system D01
800.100.150 Soft Refund on gambling tx not allowed D01
800.100.169 Soft Card type is not processed by the authorization center D01
100.396.102 Soft Not confirmed by user D01
100.396.101 Soft Transaction canceled by user D01
000.200.000 Soft Transaction pending D01
94 Soft Invalid originator D01
93 Soft Transaction cannot be completed D01
89 Soft Security Violation D01
40 Soft Invalid function D01
118 Soft Unknown card D01
102 Soft Suspected card forgery (fraud) D01
100 Soft Do not honor (Not accepted) D01
99 Soft Error in PAC encryption detected D01
98 Soft Date and time not plausible D01
97 Soft Security breach – MAC check indicates error condition D01
92 Soft The card type is not processed by the authorization center D01
91 Soft Card Issuer temporarily not reachable D01
81 Soft Message flow error D01
57 Soft The referencing transaction (e.g. reversal request) was not carried out with the card which was used for the original transaction D01
119 Soft Transaction not allowed to cardholder D01
34 Soft Suspicion of manipulation D01
21 Soft No action taken D01
05 Soft Authorization declined D01
4002 Soft Insufficient funds D01
4009 Soft Expired 3DSecure authentication D01
4008 Soft 3DSecure authentication failed D01
4005 Soft Suspected fraud D01
4004 Soft Aborted transaction D01
4003 Soft Card refused by the bank network D01
166 Soft DCC unknown error D01
005 Soft Decline D01
907 Soft Issuer not responding D01
210 Soft Suspected fraud D01
207 Soft Special occasion D01
205 Soft Merchant contact police D01
204 Soft Limited card D01
202 Soft Suspected card forgery (fraud) D01
201 Soft Card not valid D01
200 Soft No not honor D01
4001 Soft Transaction refused by the bank network D01
165 Soft DCC not allowed to merchant D01
164 Soft DCC transaction not allowed to terminal D01
163 Soft DCC exceeds time limit for withdrawal D01
162 Soft DCC cardholder currency not supported D01
161 Soft DCC transaction not allowed to cardholder D01
130 Soft Invalid Track2 D01
129 Soft Suspected fraud D01
125 Soft Card not valid D01
120 Soft Transaction not allowed to terminal D01

Provider:  ProPay (real-time)   
Transaction Responses
Code Type Message UniPay Code
1 Soft Transaction blocked by issuer D01
8 Soft Honor with ID only D01
61 Soft Exceeds issuer withdrawal limit D01
62 Soft Issuer does not allow this card to be charged for your business. D01
5 Soft Problem with the account D01
95 Soft Misc. Error Transaction failure D01
99 Soft Generic decline or unable to parse issuer response code. D01

Provider:  SNGB (ЗАО "Сургутнефтегазбанк") (real-time)   
Transaction Responses
Code Type Message UniPay Code
Soft NOT CAPTURED D01

Provider:  TabaPay (real-time)   
Transaction Responses
Code Type Message UniPay Code
113 Soft Unacceptable fee D01
RR Soft Unknown Backend Processing Error D01
SC Soft Item suspected for stop pay D01
SH Soft Unable to locate D01
SI Soft General denial D01
ST Soft Revocation of authorization order D01
T6 Soft Special conditions (no pick-up) D01
T7 Soft Purchase only approval for purchase with cash back transaction. D01
ZZ Soft Used by TabaPay for Testing D01
100 Soft Do not honor D01
200 Soft Do not honor D01
107 Soft Refer to card issuer D01
108 Soft Refer to card issuer’s special condition D01
R1 Soft Credit not received (future) D01
122 Soft Security violation D01
124 Soft Violation of law D01
130 Soft Transaction failed OFAC check D01
131 Soft Check not acceptable D01
182 Soft Institution not supported by switch D01
184 Soft Resubmission in violation of network rules D01
185 Soft Stop payment on check (shared branch only) D01
207 Soft Special conditions D01
907 Soft Card issuer or switch inoperative D01
908 Soft Transaction destination cannot be found for routing D01
99 Soft Card network fault error D01
79 Soft Invalid digital signature D01
02 Soft Refer to card issuers special conditions D01
05 Soft Do not honor D01
06 Soft Error D01
08 Soft Honor with identification D01
09 Soft Request in progress D01
20 Soft Invalid response D01
32 Soft Completed partially, reversal (unsupported) D01
59 Soft Suspected fraud D01
60 Soft Card acceptor contact acquirer D01
63 Soft Security violation (may also be a chargeback) D01
68 Soft Response received too late, reversal (unsupported) D01
01 Soft Refer to card issuer D01
80 Soft Stale dated transaction (Star SM ) D01
81 Soft Issuer requested standin D01
92 Soft Financial institution or intermediate network unknown for routing D01
93 Soft Transaction cannot be completed, violation of law D01
EE Soft Card product code is blocked Card product code is blocked D01
EK Soft Bin is not valid for pinless routing D01
EM Soft Debit PIN transactions must be swiped D01
EP Soft Transaction not allowed as per a validation rule D01
N5 Soft Declined authorization (future) D01
N6 Soft Non-matching account numbers (future) D01
Q1 Soft Card authentication failed D01

Provider:  TransArmor Compass StrongAuth Tokenization   
Transaction Responses
Code Type Message UniPay Code
303 Soft Processor Decline D01
530 Soft Do Not Honor D01
595 Soft New Card Issued D01
606 Soft Invalid Transaction Type D01
758 Soft Account Frozen D01
764 Soft Authorization Revoked by Consumer D01
765 Soft Customer Advises Not Authorized D01
787 Soft Decline code 47 D01
802 Soft Positive ID D01

Provider:  TransFirst (real-time)   
Transaction Responses
Code Type Message UniPay Code
65 Soft Exceeds withdrawal frequency D01
XD Soft Forward to Issuer D01
XA Soft Forward to Issuer D01
Q1 Soft Card Authentication failed D01
P2 Soft Invalid biller Information D01
P1 Soft Declined; PVID code is missing, invalid, or has expired D01
93 Soft Violation of law D01
92 Soft Destination Routing error D01
91 Soft Issuer or switch inoperative D01
86 Soft Cannot verify PIN D01
83 Soft Unable to verify PIN D01
69 Soft Advice received too late D01
68 Soft Response received too late D01
01 Soft Refer to card issuer D01
63 Soft Security violation D01
62 Soft Restricted card D01
61 Soft Exceeds withdrawal limit D01
59 Soft Suspected fraud D01
51 Soft Not sufficient funds D01
17 Soft Customer cancellation D01
16 Soft Decline response when a card not present transaction D01
11 Soft VIP Approval (this is a decline response when a card not present transaction) D01
08 Soft Honor with identification (this is a decline response when a card not present transaction) D01
05 Soft Do not honor D01
02 Soft Refer to card issuer, special condition D01

Provider:  TrustCommerce (batch)   
Transaction Responses
Code Type Message UniPay Code
d-avs Soft The transaction was declined, address verification system (AVS) failed. D01

Provider:  TrustCommerce (real-time)   
Transaction Responses
Code Type Message UniPay Code
d-avs Soft The transaction was declined, address verification system (AVS) failed. D01

Provider:  TrustCommerce Tokenization   
Transaction Responses
Code Type Message UniPay Code
d-decline Soft Decline almost always resulting from insufficient funds on the card. D01

Provider:  TSYS Sierra (real-time)   
Transaction Responses
Code Type Message UniPay Code
05 Soft Decline D01
93 Soft Decline D01
62 Soft Declined D01
N4 Soft Decline D01
65 Soft Declined D01
82 Soft Incorrect CVV D01

Provider:  Vantiv Lowell (batch)   
Transaction Responses
Code Type Message UniPay Code
140 Soft Update Cardholder Data D01
229 Soft Illegal Transaction D01
351 Soft Decline - Request Positive ID D01
350 Soft Generic Decline D01
349 Soft Do Not Honor D01
335 Soft This method of payment does not support authorization reversals D01
315 Soft Restricted Card - Auth Fraud Velocity Filtering Service D01
312 Soft Restricted Card - International Card Filtering Service D01
310 Soft Invalid track data D01
309 Soft Restricted Card - Prepaid Card Filtering Service D01
101 Soft Issuer Unavailable D01
130 Soft Call Indicated Number D01
126 Soft Call Issuer - Update Cardholder Data D01
125 Soft Call Visa/MasterCard D01
124 Soft Call JBS D01
123 Soft Call Discover D01
122 Soft Call Diners Club D01
121 Soft Call AMEX D01
120 Soft Call Issuer D01

Provider:  Vantiv Lowell (real-time)   
Transaction Responses
Code Type Message UniPay Code
140 Soft Update Cardholder Data D01
351 Soft Decline - Request Positive ID D01
350 Soft Generic Decline D01
349 Soft Do Not Honor D01
335 Soft This method of payment does not support authorization reversals D01
315 Soft Restricted Card - Auth Fraud Velocity Filtering Service D01
312 Soft Restricted Card - International Card Filtering Service D01
310 Soft Invalid track data D01
309 Soft Restricted Card - Prepaid Card Filtering Service D01
101 Soft Issuer Unavailable D01
130 Soft Call Indicated Number D01
126 Soft Call Issuer - Update Cardholder Data D01
125 Soft Call Visa/MasterCard D01
124 Soft Call JBS D01
123 Soft Call Discover D01
122 Soft Call Diners Club D01
121 Soft Call AMEX D01
120 Soft Call Issuer D01

Provider:  Vantiv Lowell Onboarding   
Transaction Responses
Code Type Message UniPay Code
30 Soft Retry D01
40 Soft Declined D01

Provider:  Vantiv Tandem (batch)   
Transaction Responses
Code Type Message UniPay Code
ND Soft Decline D01
NS Soft Decline, Special D01
01 Soft Refer to card issuer D01
02 Soft Refer to card issuer, special condition D01
05 Soft Do not honor D01
08 Soft Honor with identification D01

Provider:  Vantiv Tandem (real-time)   
Transaction Responses
Code Type Message UniPay Code
768 Soft Response received too late D01
668 Soft Response received late D01
608 Soft Honor with identification D01
697 Soft Transaction did not contain CVV2 data - retry D01
696 Soft System Malfunction D01
692 Soft Financial Inst facility cannot be found for routing D01
691 Soft Issuer/switch inoperative D01
663 Soft Security violation D01
621 Soft No action taken, unable to back out prior transaction D01
605 Soft Do not honor D01
602 Soft Refer to card issuer, special condition D01
601 Soft Refer to card issuer D01
795 Soft Issuer/switch inoperative POSA Prepaid Network SAF D01
791 Soft Issuer/switch inoperative D01
796 Soft Call for authorization - system malfunction D01
793 Soft Declined - transaction in violation of law D01
702 Soft Declined by issuer D01
767 Soft Hard capture (Requires ATM pickup) D01
766 Soft Card acceptor contact acquirer's security D01
763 Soft Security violation D01
762 Soft Declined - Authorization prohibited D01
760 Soft Card acceptor contact acquirer D01
759 Soft Do not honor - Suspected Fraud D01
737 Soft Call Center D01
735 Soft Card Acceptor Contact Required D01
734 Soft Suspected Fraud - Call Center D01
730 Soft Message Format Error D01
708 Soft Honor with ID D01
705 Soft Do Not Honor D01
704 Soft Please call card issuer D01
701 Soft Honor with identification D01

Provider:  Vantiv Tandem Onboarding   
Transaction Responses
Code Type Message UniPay Code
40 Soft Declined D01

Provider:  WorldPay (real-time)   
Transaction Responses
Code Type Message UniPay Code
005 Soft Do not honor D01

Groups

Provider Codes:   Hide

Groups

Provider Codes:   Hide

Available Providers for Response Code "D01":

Provider Codes:   Hide

Provider:  Amex (batch)   
Transaction Responses
Code Type Message UniPay Code
C0100 Soft CAS DENIED APPROVAL FOR THE CARD D01
C0107 Soft CALL ISSUER D01
05 Soft DENEGADA D01
30 Soft Denegada tarjeta invalida D01
V2001 Soft CARD ALREADY ENROLLED D01
V2002 Soft DELETE REJECTED AS CARD# DID NOT MATCH D01
V2003 Soft UPDATE IGNORED D01
V4001 Soft CARD MEMBER IS NOT ENROLLED D01

Provider:  Clearhaus (real-time)   
Transaction Responses
Code Type Message UniPay Code
40410 Soft Declined by issuer or card scheme D01

Provider:  Credorax (ePower) (real-time)   
Transaction Responses
Code Type Message UniPay Code
05 Soft Do not honour D01
04 Soft Do not Honour D01
07 Soft Honour with ID D01
59 Soft Suspected Fraud D01
67 Soft Retain Card; no reason specified D01

Provider:  Elavon Europe (EISOP) (real-time)   
Transaction Responses
Code Type Message UniPay Code
100 Soft Do not honour D01

Provider:  Elavon Mass Transact (batch)   
Transaction Responses
Code Type Message UniPay Code
P5 Soft Pin change/unblock request declined D01
88 Soft Give courtesy card D01
91 Soft Issuer or switch inoperative (stand-in not applicable or available for this transaction) D01
92 Soft Unable to route transaction D01
93 Soft Transaction cannot be completed; violation of law D01
96 Soft System malfunction D01
98 Soft Please wait D01
B1 Soft Surcharge amount not permitted on Visa Cards D01
N0 Soft Force STIP D01
N3 Soft Cash service not available D01
N4 Soft Cashback request exceeds issuer limit D01
86 Soft Please call issuer D01
P6 Soft Unsafe Pin D01
R0 Soft Stop Payment order D01
R1 Soft Revocation of Authorization Order D01
R3 Soft Revocation of all Authorization Orders D01
Z3 Soft Unable to go online-declined D01
XA Soft Forward to Issuer D01
XD Soft Forward to Issuer D01
Q1 Soft Card authentication failed D01
T4 Soft Unpaid items, failed negative file check D01
59 Soft Suspected Fraud (Discover) D01
02 Soft Refer to card issuer, special condition D01
05 Soft Do not honor D01
08 Soft Honor with ID D01
31 Soft Bank Not Supported By Switch (Discover) D01
34 Soft Suspected Fraud (Discover) D01
35 Soft Card Acceptor Contact Acquirer (Discover) D01
36 Soft Restricted Card (Discover) D01
37 Soft Call Card Acceptor Acquirer Security (Discover) D01
57 Soft Transaction not permitted to cardholder D01
58 Soft Transaction not permitted to terminal D01
01 Soft Refer to card issuer D01
60 Soft Card Acceptor Contact Acquirer (Discover) D01
61 Soft Exceeds withdrawal amount limit (activity amount limit exceeded) D01
62 Soft Restricted card D01
63 Soft Security violation D01
65 Soft Activity count limit exceeded D01
66 Soft Card Acceptor Call Aquirer's Security Dept (Discover) D01
67 Soft Hard Capture (Requires ATM Pickup) (Discover) D01
68 Soft Response Received Too Late (Discover) D01
83 Soft Unable to verify PIN D01

Provider:  Elavon viaConex4 (real-time)   
Transaction Responses
Code Type Message UniPay Code
NP Soft Declined D01

Provider:  EVO Snap* (real-time)   
Transaction Responses
Code Type Message UniPay Code
0 Soft UNKNOWN D01
6 Soft DECLINE D01
117 Soft FRAUD RTRN CARD D01

Provider:  EziDebit (real-time)   
Transaction Responses
Code Type Message UniPay Code
005 Soft Do Not Honour D01
005 Soft Do not honour D01
015 Soft No Such Issuer D01
20 Soft Invalid Response D01
21 Soft No Action Taken D01
31 Soft Bank not Supported by Switch D01
92 Soft Financial Institution not Found D01
05 Soft Do Not Honour D01
02 Soft Direct Debit Request Cancelled at Bank D01
21 Soft Credit Card Transaction Declined D01

Provider:  FirstData BuyPass (real-time)   
Transaction Responses
Code Type Message UniPay Code
15 Soft No such issuer. D01
92 Soft Financial institution or intermediate network unknown for routing. D01

Provider:  FirstData Compass (batch)   
Transaction Responses
Code Type Message UniPay Code
262 Soft Authorization Code Response Date Invalid D01
303 Soft Processor Decline D01
307 Soft Authorization Not Found D01
530 Soft Do Not Honor D01
544 Soft Invalid Email Address D01
547 Soft Address Verification Failed D01
585 Soft No Original Authorization Found D01
586 Soft Outstanding Authorization D01
595 Soft Deny New Card Issued D01
764 Soft Authorization Revoked by Consumer D01
997 Soft Acquirer Error D01
614 Soft Do Not Retry D01

Provider:  FirstData Compass (real-time)   
Transaction Responses
Code Type Message UniPay Code
262 Soft Authorization Code Response Date Invalid D01
303 Soft Processor Decline D01
307 Soft Authorization Not Found D01
530 Soft Do Not Honor D01
544 Soft Invalid Email Address D01
547 Soft Address Verification Failed D01
585 Soft No Original Authorization Found D01
586 Soft Outstanding Authorization, Funds on Hold D01
595 Soft New Card Issued D01
764 Soft Authorization Revoked by Consumer D01
997 Soft Acquirer Error D01

Provider:  FirstData Global Gateway (Linkpoint) (real-time)   
Transaction Responses
Code Type Message UniPay Code
000001 Soft SGS_RC_DECLINED D01
000002 Soft SGS_RC_REFERRAL D01

Provider:  FirstData Nashville (real-time)   
Transaction Responses
Code Type Message UniPay Code
05 Soft Declined D01
51 Soft Declined D01
N3 Soft Declined D01
60 Soft Hold-Call Ctr D01
01 Soft Referral D01
1A Soft Additional Authorization Credentials Required (Visa, MasterCard, or American Express European Union Pass Through Merchants only) D01

Provider:  FirstData Omaha (real-time)   
Transaction Responses
Code Type Message UniPay Code
CALL CENT Soft D01
DECLINED Soft D01
INV _ TKT _ TERMS _ Soft D01

Provider:  FirstData OmniPay (real-time)   
Transaction Responses
Code Type Message UniPay Code
2 Soft Refer to card issuer D01
4 Soft Do not honour D01
5 Soft Do not honour D01
58 Soft Txn Not Permitted On Term D01
59 Soft Suspected Fraud D01
89 Soft Security Violation D01
97 Soft No Funds Transfer D01

Provider:  FirstData Rapid Connect (real-time)   
Transaction Responses
Code Type Message UniPay Code
100 Soft Do not honor D01
124 Soft Violation of law. D01
500 Soft Decline. D01
513 Soft Decline. Transaction not permitted to acquirer or terminal. D01
514 Soft Do not try again – Applies to recurring authorizations only. There was security violation. D01
515 Soft Declined. No term record on First Data system. D01
540 Soft Edit Honor. D01
708 Soft Honor With Authentication. D01
773 Soft Unsuccessful. D01
790 Soft Not approved. Used only in Visa bill/recurring payment. Merchant must not resubmit same transaction but may continue billing process in subsequent billing period. D01
791 Soft Not approved. Used only in Visa bill/recurring payment. Merchant must stop recurring payment requests. D01
911 Soft Card issuer timed out. D01

Provider:  Fiserv (ACH-batch)   
Transaction Responses
Code Type Message UniPay Code
R33 Soft Customer Disputes Charge D01
R36 Soft Customer Declines Authorization D01
R37 Soft Non-Receipt of Requested Draft D01
R38 Soft Transaction Exceeds Floor Limit D01
R39 Soft Non-Receipt of Credit D01
R41 Soft Miscellaneous Decline D01
R06 Soft Returned per Originators Request D01
R09 Soft Uncollected Funds D01
R10 Soft Customer Advises Not Authorized D01
R12 Soft Branch Sold to Another DFI D01
R13 Soft Non-Participating Financial Institution D01

Provider:  Fiserv (CC-batch)   
Transaction Responses
Code Type Message UniPay Code
63 Soft DECLINED D01
93 Soft DECLINED D01
V32 Soft FRAUD TRANSACTION D01
V61 Soft OVER LIMIT D01
V28 Soft REQ CARD BE RETURNED D01
V57 Soft UNAUTH MULT TRANS D01
M4807 Soft WARNING BULLETIN D01
M4812 Soft ACCT NUMBER NOT ON FILE D01
A154 Soft CANCELLED ORDER D01
V1307 Soft CANCELLED SERVICES D01
AF29 Soft CARD NOT PRESENT D01
V1101 Soft CARD RECOVERY BULLETIN D01
A175 Soft CARDHOLD REQUESTS CREDIT D01
AC29 Soft CARDHOLDER WAS OVERCHRGD D01
A684 Soft CHARGE PAID IN CASH D01
M4854 Soft CLAIM/DEFENSE D01
V54 Soft CLAIM/DEFENSE D01
M6341 Soft COPY REQ-LEGAL/FRD INVEST D01
V33 Soft COPY REQ-LEGAL/FRD INVEST D01
M6305 Soft COPY REQUEST-CHBK SUPPORT D01
V1304 Soft COUNTERFEIT MERCHANDISE D01
V1306 Soft CREDIT NOT PROCESSED D01
V1102 Soft DECLINED AUTHORIZATION D01
V56 Soft DEFTV MERCH D01
A063 Soft DISSATISFACTION W/SERVICE D01
V1001 Soft EMV LIABLTY CNTRFT FRAUD D01
V1002 Soft EMVLIABLTY NON-CNTRFT FRD D01
V83 Soft FRD TRAN - CARD ABSENT D01
AC08 Soft GOODS/SERVICES NOT REC'D D01
V1201 Soft LATE PRESENTMENT D01
V1301 Soft MERCH/SERVICE NOT RECV'D D01
V1305 Soft MISREPRESENTATION D01
V1103 Soft NO AUTHORIZATION D01
AR13 Soft NO REPLY D01
V70 Soft NO VERIFICATION/EXCEPTION D01
V90 Soft NON RECEIPT MERCH D01
V1309 Soft NON RECEIPT OF CASH D01
V1303 Soft NOT AS DESCRIBED D01
V53 Soft NOT AS DESCRIBED D01
V1308 Soft ORIG CRDT TRANS NT ACCPTD D01
V1004 Soft OTHR FRD-CRD ABSNT ENVRNM D01
V1003 Soft OTHR FRD-CRD PRSNT ENVRNM D01
AC05 Soft PROOF OF CANCEL PROVIDED D01
V34 Soft REP REQ-LEGAL/FRD INVEST D01
A021 Soft SERVICE WAS CANCELLED D01
V20 Soft UNAUTHORIZED D01
V1005 Soft VISA FRD MONITORING PRGRM D01
V29 Soft AUTH DECLINED D01
V71 Soft AUTH DECLINED D01
M4808 Soft AUTH NOT OBTAINED D01
D4541 Soft DISPUTED CHARGE D01
D4553 Soft DISPUTED CHARGE D01
D4752 Soft DISPUTED CHARGE D01
D4755 Soft DISPUTED CHARGE D01
D6005 Soft DISPUTED CHARGE D01
D7030 Soft DISPUTED CHARGE D01
D8002 Soft DISPUTED CHARGE D01
M4553 Soft DISPUTED CHARGE D01
M4855 Soft DISPUTED CHARGE D01
V75 Soft DOES NOT RECOGNIZE D01
A127 Soft DOES NOT RECOGNIZE CHARGE D01
A176 Soft DOES NOT RECOGNIZE CHARGE D01
D4865 Soft DOES NOT RECOGNIZE CHARGE D01
M4840 Soft FRAUD PROCESSING OF TRANS D01
M4837 Soft FRD TRAN-NO AUTHORIZATION D01
V59 Soft NEG VERIFICATION D01
V72 Soft NO AUTHORIZATION D01
M4850 Soft NON RECEIPT OF MDSE -SRVC D01
M4853 Soft NON RECEIPT OF MDSE -SRVC D01
M4859 Soft NON RECEIPT OF MDSE -SRVC D01
M4903 Soft INCOMPLETE DOC D01
V81 Soft MISSING IMPRINT D01
V84 Soft NO SIGNATURE D01
M4801 Soft NON-RECEIPT D01
V79 Soft NON-RECEIPT D01
VR28 Soft NON-RECEIPT D01
V50 Soft CR AS DR, SALE D01
M4860 Soft CR NOT PROCESSED D01
V85 Soft CR VOUCH NOT RECD D01
V95 Soft ADV LODGE DEP D01
V94 Soft CANCEL RESERV D01
25 Soft DECLINE D01
28 Soft DECLINE D01
85 Soft DECLINE D01
5 Soft DECLINED D01
6 Soft DECLINED D01
52 Soft DECLINED D01
53 Soft DECLINED D01
56 Soft DECLINED D01
57 Soft DECLINED D01
58 Soft DECLINED D01
83 Soft DECLINED D01
84 Soft DECLINED D01
92 Soft DECLINED D01
96 Soft DECLINED D01
V31 Soft ERROR IN ADDITION D01
V74 Soft LATE PRESENT D01
82 Soft MICR CHECK DECLINED D01
79 Soft MISC-DECLINE D01
R41 Soft MISC-DECLINE D01
91 Soft NON-RESPONSE D01
V93 Soft RISK ID SVC D01
21 Soft SYSTEM ERROR D01
76 Soft SYSTEM ERROR D01
77 Soft SYSTEM ERROR D01
V26 Soft T&E COPY FULFILL D01
V27 Soft T&E DOC FULFILL D01
V23 Soft T&E INVALID D01
V21 Soft T&E LATE PRESENT D01
V25 Soft T&E PROCESS ERROR D01
R36 Soft AUTH DECLINED-FREEZE D01
R33 Soft CHARGE DISPUTED D01
R37 Soft NO SIGNATURE D01
R39 Soft NON-RECEIPT OF CREDIT D01
R32 Soft WARNING BULLETIN D01
M4863 Soft UNAUTHORIZED TRANS D01
A680 Soft CUSTOMER DISPUTES TRANSAC D01

Provider:  GETI (batch)   
Transaction Responses
Code Type Message UniPay Code
2056 Soft ID Flagged For Some Problem D01

Provider:  Global East (real-time)   
Transaction Responses
Code Type Message UniPay Code
001 Soft CALL AMEX D01
002 Soft CALL AMEX D01
005 Soft DECLINE D01

Provider:  Heartland Exchange (real-time)   
Transaction Responses
Code Type Message UniPay Code
02 Soft Call D01
05 Soft Decline D01
61 Soft Decline D01
62 Soft Decline D01
65 Soft Decline D01
82 Soft Cashback Not App D01

Provider:  Heartland Portico (real-time)   
Transaction Responses
Code Type Message UniPay Code
02 Soft Call D01
05 Soft Decline , do not honor. D01
51 Soft Decline, insufficient funds. D01
61 Soft Decline D01
62 Soft Decline D01
63 Soft Sec violation. D01
65 Soft Decline, activity limit D01
86 Soft Cant verify PIN. D01
91 Soft No reply. D01
6 Soft Card already active. D01
12 Soft Do not honor D01

Provider:  JPMorgan (batch)   
Transaction Responses
Code Type Message UniPay Code
200 Soft PICK UP CARD D01

Provider:  Latvijas Pasta Banka (LPB) (real-time)   
Transaction Responses
Code Type Message UniPay Code
100 Soft Decline (general, no comments) D01
102 Soft Decline, suspected fraud D01
107 Soft Decline, refer to card issuer D01
108 Soft Decline, refer to card issuer's special conditions D01
129 Soft Decline, suspected counterfeit card D01
180 Soft Decline, by cardholders wish D01

Provider:  MasterCard Payment Gateway (MPGS) (real-time)   
Transaction Responses
Code Type Message UniPay Code
DECLINED_DO_NOT_CONTACT Soft Transaction declined - do not contact issuer D01
UNSPECIFIED_FAILURE Soft Transaction could not be processed D01
TIMED_OUT Soft The gateway has timed out the request to the acquirer because it did not receive a response. Points redemption should not be offered to the payer. D01
SYSTEM_ERROR Soft Internal system error occurred processing the transaction D01
REFERRED Soft Transaction declined - refer to issuer D01
NO_BALANCE Soft A balance amount is not available for the card. The payer cannot redeem points. D01
NOT_SUPPORTED Soft Transaction type not supported D01
NOT_ENROLLED_3D_SECURE Soft Card holder is not enrolled in 3D Secure D01
EXCEEDED_RETRY_LIMIT Soft Transaction retry limit exceeded D01
INVALID_REQUEST Soft The request was rejected because it did not conform to the API protocol. D01
DECLINED Soft The requested operation was not successful. For example, a payment was declined by issuer or payer authentication was not able to be successfully completed. D01
CANCELLED Soft Transaction cancelled by payer D01
AUTHENTICATION_FAILED Soft Payer authentication failed D01
ACQUIRER_SYSTEM_ERROR Soft Acquirer system error occurred processing the transaction D01
ABORTED Soft Transaction aborted by payer D01
SERVER_FAILED Soft There was an internal system failure. D01
REQUEST_REJECTED Soft The request was rejected due to security reasons such as firewall rules, expired certificate, etc. D01

Provider:  Merchant Warrior (batch)   
Transaction Responses
Code Type Message UniPay Code
2 Soft Transaction declined – contact issuing bank D01
7 Soft Bank rejected request D01
8 Soft Bank declined transaction – type not supported D01
9 Soft Bank declined transaction – do not contact bank D01

Provider:  Merchant Warrior (real-time)   
Transaction Responses
Code Type Message UniPay Code
2 Soft Transaction declined – contact issuing bank D01
7 Soft Bank rejected request D01
8 Soft Bank declined transaction – type not supported D01
9 Soft Bank declined transaction – do not contact bank D01

Provider:  MIGS (real-time)   
Transaction Responses
Code Type Message UniPay Code
9 Soft Bank Declined Transaction (Do not contact Bank) D01

Provider:  Moneris (batch)   
Transaction Responses
Code Type Message UniPay Code
093 Soft Delinquent D01
111 Soft Delinquent D01
476 Soft CREDIT CARD - Invalid transaction, rejected D01
485 Soft CREDIT CARD - Not authorized D01
906 Soft Capture - Delinquent D01
421 Soft Card Declined D01

Provider:  Moneris (real-time)   
Transaction Responses
Code Type Message UniPay Code
093 Soft Delinquent D01
111 Soft Delinquent D01
476 Soft CREDIT CARD - Invalid transaction, rejected D01
485 Soft CREDIT CARD - Not authorized D01
906 Soft Capture - Delinquent D01
421 Soft Card Declined D01

Provider:  Moneris eSelect (real-time)   
Transaction Responses
Code Type Message UniPay Code
092 Soft Advance Less Than Minimum D01
481 Soft Transaction not allowed to be processed by cardholder D01
485 Soft CREDIT CARD - Not Authorized D01
421 Soft Card Declined D01

Provider:  Napse VTOL (real-time)   
Transaction Responses
Code Type Message UniPay Code
5 Soft Denied D01
84 Soft DECLINED ISSUER D01

Provider:  Napse VTOL Cards-batch   
Transaction Responses
Code Type Message UniPay Code
05 Soft DENEGADA D01
30 Soft Denegada tarjeta invalida D01
84 Soft DECLINED ISSUER D01

Provider:  NMI (real-time)   
Transaction Responses
Code Type Message UniPay Code
200 Soft Transaction was Declined by Processor D01
201 Soft Do not Honor D01
240 Soft Call Issuer for Further Information D01
263 Soft Declined - Update Cardholder Data Available D01
264 Soft Declined - Retry in a few days D01

Provider:  PagoPay (real-time)   
Transaction Responses
Code Type Message UniPay Code
2 Soft Declined D01
200 Soft Bank Decline D01
202 Soft Do Not Honor D01
207 Soft Card blacklisted by the bank D01

Provider:  Paymentech Orbital (Stratus/Salem, PNS/Tandem/Tampa) (batch)   
Transaction Responses
Code Type Message UniPay Code
05 Soft Do Not Honor D01
09 Soft Revocation of Authorization D01
52 Soft Processor Decline D01
60 Soft Do Not Honor Low Fraud D01
61 Soft Do Not Honor Medium Fraud D01
62 Soft Do Not Honor High fraud D01
63 Soft Do Not Honor Unavailable Fraud D01
92 Soft Approved Medium Fraud D01
PB Soft Revocation of all Authorization D01

Provider:  Paymentech Orbital (Stratus/Salem, PNS/Tandem/Tampa) (real-time)   
Transaction Responses
Code Type Message UniPay Code
05 Soft Do Not Honor D01
09 Soft Revocation of Authorization D01
52 Soft Processor Decline D01
61 Soft Do Not Honor Medium Fraud D01
62 Soft Do Not Honor High fraud D01
63 Soft Do Not Honor Unavailable Fraud D01
PB Soft Revocation of all Authorization D01

Provider:  Paymentech UTF (real-time)   
Transaction Responses
Code Type Message UniPay Code
200 Soft Auth Declined Cardholder's bank did not approve transaction. D01
232 Soft Auth Declined Invalid card type for Prior Auth sale. D01
233 Soft Auth Declined Terminal Type not supported. D01

Provider:  Paymentus (real-time)   
Transaction Responses
Code Type Message UniPay Code
Soft FAILED D01
Soft FAILED D01

Provider:  Paysafe (real-time)   
Transaction Responses
Code Type Message UniPay Code
3009 Soft Denied by bank D01
3014 Soft Denied by bank D01
3023 Soft Denied by customer's bank D01
3032 Soft Denied by customer's bank D01
5021 Soft Your transaction request has been declined. D01
3039 Soft Your request has been declined due to an invalid authentication value. D01
3050 Soft The bank has requested that you retrieve the card from the cardholder - fraudulent activity is suspected. D01
3051 Soft The bank has requested that you retrieve the card from the cardholder - contact the acquirer for more information. D01
3053 Soft The bank has requested that you retrieve the card from the cardholder - please call the acquirer. D01
3054 Soft The transaction was declined due to suspected fraud. D01

Provider:  PayVision (real-time)   
Transaction Responses
Code Type Message UniPay Code
116 Soft Credits not allowed D01
86 Soft K M E Sync Error D01
85 Soft No Keys To Use D01
84 Soft Invalid Life Cycle of transaction D01
83 Soft Not declined (AVS Only) D01
79 Soft Key Validation Error D01
77 Soft Issuer Does Not Participate In The Service D01
68 Soft Response received too late. D01
07 Soft Honour with ID D01
04 Soft Do not honour D01
117 Soft Card type not accepted D01
88 Soft MAC sync Error D01
TD Soft Rev not allowed D01
TC Soft Retry bad addr D01
093 Soft Decline D01
092 Soft Invalid routing D01
091 Soft No Reply D01
080 Soft Date error D01
079 Soft Already reversed D01
076 Soft Unsolic reversal D01
021 Soft No action taken D01
800.100.154 Soft Transaction marked as invalid D01
800.800.800 Soft Acquiring bank is currently not available. Please contact with your processor in case this error persists. D01
100.100.501 Soft Invalid credit card brand D01
100.500.201 Soft Payment type invalid D01
100.200.103 Soft Bank account has invalid bankcode/name account number combination D01
100.395.502 Soft Acquirer/Bank reported timeout on online transfer transaction D01
800.200.101 Soft Creditcard / bank account declined by clearing house D01
800.100.173 Soft Invalid currency, not processed by authorization center D01
800.100.164 Soft Merchants limit exceeded D01
800.100.161 Soft Too many invalid tries D01
800.100.158 Soft Suspecting manipulation D01
015 Soft No such issuer D01
800.100.152 Soft Transaction declined by authorization system D01
800.100.150 Soft Refund on gambling tx not allowed D01
800.100.169 Soft Card type is not processed by the authorization center D01
100.396.102 Soft Not confirmed by user D01
100.396.101 Soft Transaction canceled by user D01
000.200.000 Soft Transaction pending D01
94 Soft Invalid originator D01
93 Soft Transaction cannot be completed D01
89 Soft Security Violation D01
40 Soft Invalid function D01
118 Soft Unknown card D01
102 Soft Suspected card forgery (fraud) D01
100 Soft Do not honor (Not accepted) D01
99 Soft Error in PAC encryption detected D01
98 Soft Date and time not plausible D01
97 Soft Security breach – MAC check indicates error condition D01
92 Soft The card type is not processed by the authorization center D01
91 Soft Card Issuer temporarily not reachable D01
81 Soft Message flow error D01
57 Soft The referencing transaction (e.g. reversal request) was not carried out with the card which was used for the original transaction D01
119 Soft Transaction not allowed to cardholder D01
34 Soft Suspicion of manipulation D01
21 Soft No action taken D01
05 Soft Authorization declined D01
4002 Soft Insufficient funds D01
4009 Soft Expired 3DSecure authentication D01
4008 Soft 3DSecure authentication failed D01
4005 Soft Suspected fraud D01
4004 Soft Aborted transaction D01
4003 Soft Card refused by the bank network D01
166 Soft DCC unknown error D01
005 Soft Decline D01
907 Soft Issuer not responding D01
210 Soft Suspected fraud D01
207 Soft Special occasion D01
205 Soft Merchant contact police D01
204 Soft Limited card D01
202 Soft Suspected card forgery (fraud) D01
201 Soft Card not valid D01
200 Soft No not honor D01
4001 Soft Transaction refused by the bank network D01
165 Soft DCC not allowed to merchant D01
164 Soft DCC transaction not allowed to terminal D01
163 Soft DCC exceeds time limit for withdrawal D01
162 Soft DCC cardholder currency not supported D01
161 Soft DCC transaction not allowed to cardholder D01
130 Soft Invalid Track2 D01
129 Soft Suspected fraud D01
125 Soft Card not valid D01
120 Soft Transaction not allowed to terminal D01

Provider:  ProPay (real-time)   
Transaction Responses
Code Type Message UniPay Code
1 Soft Transaction blocked by issuer D01
8 Soft Honor with ID only D01
61 Soft Exceeds issuer withdrawal limit D01
62 Soft Issuer does not allow this card to be charged for your business. D01
5 Soft Problem with the account D01
95 Soft Misc. Error Transaction failure D01
99 Soft Generic decline or unable to parse issuer response code. D01

Provider:  SNGB (ЗАО "Сургутнефтегазбанк") (real-time)   
Transaction Responses
Code Type Message UniPay Code
Soft NOT CAPTURED D01

Provider:  TabaPay (real-time)   
Transaction Responses
Code Type Message UniPay Code
113 Soft Unacceptable fee D01
RR Soft Unknown Backend Processing Error D01
SC Soft Item suspected for stop pay D01
SH Soft Unable to locate D01
SI Soft General denial D01
ST Soft Revocation of authorization order D01
T6 Soft Special conditions (no pick-up) D01
T7 Soft Purchase only approval for purchase with cash back transaction. D01
ZZ Soft Used by TabaPay for Testing D01
100 Soft Do not honor D01
200 Soft Do not honor D01
107 Soft Refer to card issuer D01
108 Soft Refer to card issuer’s special condition D01
R1 Soft Credit not received (future) D01
122 Soft Security violation D01
124 Soft Violation of law D01
130 Soft Transaction failed OFAC check D01
131 Soft Check not acceptable D01
182 Soft Institution not supported by switch D01
184 Soft Resubmission in violation of network rules D01
185 Soft Stop payment on check (shared branch only) D01
207 Soft Special conditions D01
907 Soft Card issuer or switch inoperative D01
908 Soft Transaction destination cannot be found for routing D01
99 Soft Card network fault error D01
79 Soft Invalid digital signature D01
02 Soft Refer to card issuers special conditions D01
05 Soft Do not honor D01
06 Soft Error D01
08 Soft Honor with identification D01
09 Soft Request in progress D01
20 Soft Invalid response D01
32 Soft Completed partially, reversal (unsupported) D01
59 Soft Suspected fraud D01
60 Soft Card acceptor contact acquirer D01
63 Soft Security violation (may also be a chargeback) D01
68 Soft Response received too late, reversal (unsupported) D01
01 Soft Refer to card issuer D01
80 Soft Stale dated transaction (Star SM ) D01
81 Soft Issuer requested standin D01
92 Soft Financial institution or intermediate network unknown for routing D01
93 Soft Transaction cannot be completed, violation of law D01
EE Soft Card product code is blocked Card product code is blocked D01
EK Soft Bin is not valid for pinless routing D01
EM Soft Debit PIN transactions must be swiped D01
EP Soft Transaction not allowed as per a validation rule D01
N5 Soft Declined authorization (future) D01
N6 Soft Non-matching account numbers (future) D01
Q1 Soft Card authentication failed D01

Provider:  TransArmor Compass StrongAuth Tokenization   
Transaction Responses
Code Type Message UniPay Code
303 Soft Processor Decline D01
530 Soft Do Not Honor D01
595 Soft New Card Issued D01
606 Soft Invalid Transaction Type D01
758 Soft Account Frozen D01
764 Soft Authorization Revoked by Consumer D01
765 Soft Customer Advises Not Authorized D01
787 Soft Decline code 47 D01
802 Soft Positive ID D01

Provider:  TransFirst (real-time)   
Transaction Responses
Code Type Message UniPay Code
65 Soft Exceeds withdrawal frequency D01
XD Soft Forward to Issuer D01
XA Soft Forward to Issuer D01
Q1 Soft Card Authentication failed D01
P2 Soft Invalid biller Information D01
P1 Soft Declined; PVID code is missing, invalid, or has expired D01
93 Soft Violation of law D01
92 Soft Destination Routing error D01
91 Soft Issuer or switch inoperative D01
86 Soft Cannot verify PIN D01
83 Soft Unable to verify PIN D01
69 Soft Advice received too late D01
68 Soft Response received too late D01
01 Soft Refer to card issuer D01
63 Soft Security violation D01
62 Soft Restricted card D01
61 Soft Exceeds withdrawal limit D01
59 Soft Suspected fraud D01
51 Soft Not sufficient funds D01
17 Soft Customer cancellation D01
16 Soft Decline response when a card not present transaction D01
11 Soft VIP Approval (this is a decline response when a card not present transaction) D01
08 Soft Honor with identification (this is a decline response when a card not present transaction) D01
05 Soft Do not honor D01
02 Soft Refer to card issuer, special condition D01

Provider:  TrustCommerce (batch)   
Transaction Responses
Code Type Message UniPay Code
d-avs Soft The transaction was declined, address verification system (AVS) failed. D01

Provider:  TrustCommerce (real-time)   
Transaction Responses
Code Type Message UniPay Code
d-avs Soft The transaction was declined, address verification system (AVS) failed. D01

Provider:  TrustCommerce Tokenization   
Transaction Responses
Code Type Message UniPay Code
d-decline Soft Decline almost always resulting from insufficient funds on the card. D01

Provider:  TSYS Sierra (real-time)   
Transaction Responses
Code Type Message UniPay Code
05 Soft Decline D01
93 Soft Decline D01
62 Soft Declined D01
N4 Soft Decline D01
65 Soft Declined D01
82 Soft Incorrect CVV D01

Provider:  Vantiv Lowell (batch)   
Transaction Responses
Code Type Message UniPay Code
140 Soft Update Cardholder Data D01
229 Soft Illegal Transaction D01
351 Soft Decline - Request Positive ID D01
350 Soft Generic Decline D01
349 Soft Do Not Honor D01
335 Soft This method of payment does not support authorization reversals D01
315 Soft Restricted Card - Auth Fraud Velocity Filtering Service D01
312 Soft Restricted Card - International Card Filtering Service D01
310 Soft Invalid track data D01
309 Soft Restricted Card - Prepaid Card Filtering Service D01
101 Soft Issuer Unavailable D01
130 Soft Call Indicated Number D01
126 Soft Call Issuer - Update Cardholder Data D01
125 Soft Call Visa/MasterCard D01
124 Soft Call JBS D01
123 Soft Call Discover D01
122 Soft Call Diners Club D01
121 Soft Call AMEX D01
120 Soft Call Issuer D01

Provider:  Vantiv Lowell (real-time)   
Transaction Responses
Code Type Message UniPay Code
140 Soft Update Cardholder Data D01
351 Soft Decline - Request Positive ID D01
350 Soft Generic Decline D01
349 Soft Do Not Honor D01
335 Soft This method of payment does not support authorization reversals D01
315 Soft Restricted Card - Auth Fraud Velocity Filtering Service D01
312 Soft Restricted Card - International Card Filtering Service D01
310 Soft Invalid track data D01
309 Soft Restricted Card - Prepaid Card Filtering Service D01
101 Soft Issuer Unavailable D01
130 Soft Call Indicated Number D01
126 Soft Call Issuer - Update Cardholder Data D01
125 Soft Call Visa/MasterCard D01
124 Soft Call JBS D01
123 Soft Call Discover D01
122 Soft Call Diners Club D01
121 Soft Call AMEX D01
120 Soft Call Issuer D01

Provider:  Vantiv Lowell Onboarding   
Transaction Responses
Code Type Message UniPay Code
30 Soft Retry D01
40 Soft Declined D01

Provider:  Vantiv Tandem (batch)   
Transaction Responses
Code Type Message UniPay Code
ND Soft Decline D01
NS Soft Decline, Special D01
01 Soft Refer to card issuer D01
02 Soft Refer to card issuer, special condition D01
05 Soft Do not honor D01
08 Soft Honor with identification D01

Provider:  Vantiv Tandem (real-time)   
Transaction Responses
Code Type Message UniPay Code
768 Soft Response received too late D01
668 Soft Response received late D01
608 Soft Honor with identification D01
697 Soft Transaction did not contain CVV2 data - retry D01
696 Soft System Malfunction D01
692 Soft Financial Inst facility cannot be found for routing D01
691 Soft Issuer/switch inoperative D01
663 Soft Security violation D01
621 Soft No action taken, unable to back out prior transaction D01
605 Soft Do not honor D01
602 Soft Refer to card issuer, special condition D01
601 Soft Refer to card issuer D01
795 Soft Issuer/switch inoperative POSA Prepaid Network SAF D01
791 Soft Issuer/switch inoperative D01
796 Soft Call for authorization - system malfunction D01
793 Soft Declined - transaction in violation of law D01
702 Soft Declined by issuer D01
767 Soft Hard capture (Requires ATM pickup) D01
766 Soft Card acceptor contact acquirer's security D01
763 Soft Security violation D01
762 Soft Declined - Authorization prohibited D01
760 Soft Card acceptor contact acquirer D01
759 Soft Do not honor - Suspected Fraud D01
737 Soft Call Center D01
735 Soft Card Acceptor Contact Required D01
734 Soft Suspected Fraud - Call Center D01
730 Soft Message Format Error D01
708 Soft Honor with ID D01
705 Soft Do Not Honor D01
704 Soft Please call card issuer D01
701 Soft Honor with identification D01

Provider:  Vantiv Tandem Onboarding   
Transaction Responses
Code Type Message UniPay Code
40 Soft Declined D01

Provider:  WorldPay (real-time)   
Transaction Responses
Code Type Message UniPay Code
005 Soft Do not honor D01

Provider Codes:   Hide

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