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Heartland Exchange  (real-time) Response Codes:



Transaction Responses   
Code Type Message UniPay Code
00 Good Approval A01
85 Good Card OK A01
82 Soft Cashback Not App D01
62 Soft Decline D01
61 Soft Decline D01
02 Soft Call D01
65 Soft Decline D01
05 Soft Decline D01
80 Hard Date Error D02
54 Hard Expired Card D02
51 Soft Decline D03
04 Hard Hold-Call D04
07 Hard Hold-Call D04
14 Hard Card No. Error D05
15 Hard No Such Issuer D05
78 Hard No Account D06
53 Hard No Save Account D06
52 Hard No Check Account D06
55 Soft Wrong PIN D07
86 Soft Cannot Verify PIN D07
N7 Soft CVN Mismatch D08
41 Hard Hold-Call D10
43 Hard Hold-Call D11
57 Soft Serv Not Allowed D12
58 Soft Serv Not Allowed D12
77 Hard No Action Taken D27
10 Hard Partial Approval D27
EB Hard Check Digit Err D27
03 Hard Term Id Error D27
75 Hard PIN Exceeded D27
xx Hard xxxxxxxxxxxxxxxx D27
06 Hard Error XXXX D27
96 Hard System Error D27
12 Hard Invalid Trans D27
63 Hard Sec Violation D27
EC Hard CID Format Error D27
76 Hard No Action Taken D27
56 Hard Invalid Trans D27
97 Hard Translate Error D27
13 Hard Amount Error D27
19 Hard Re Enter D27
44 Soft Hold-Call D30
91 Soft No Reply E02

AVS Responses   
Code Message UniPay Code

Visa
R Retry, system unavailabe 00
U Address not verified. Issuer not available and Visa could not stand in (US only) 40
I Address information not verified 40
G Address not verified (International transaction) 40
P Postal code match (Aquirer sent postal code and street address. Street address not verified) 43
N No match (Aquirer sent postal code and/or street adress) 45
C Street address and postal code not verified due to incompatible format 45
Z Postal code matches, street address does not match or was not sent 47
A Address matches, but ZIP does not match 4D
B Street address match, postal code not verified due to incompatible format 4D
F Street address and ZIP match (UK only) 4F
0 Address verification was not requested 4F
M Street address and ZIP match 4F
D Street address and ZIP match 4F
Y Street address and postal code match (US only) 4F

CSC Responses   
Code Message UniPay Code
M CVV2 matches M
N CVV2 does not match N
P Not Processed P
S Issuer says CVV2 on card, but not provided in request S
U Issuer not certified U

AVS Responses   
Code Message UniPay Code

MasterCard
R Retry, system unable to process 00
U No data from issuer 40
N Neither ZIP code nor address match 45
Z 5-digit ZIP code matches, address does not 46
W 9-digit ZIP code matches, address does not 47
A Address matches, ZIP code does not 4D
Y 5-digit ZIP code and adress match 4E
0 Address verification was not requested 4F
X 9-digit ZIP code and adress match 4F
S AVS currently not supported (by issuer) 80

CSC Responses   
Code Message UniPay Code
M CVC2 matches M
N No match N
P Not Processed P
U Unregistered issuer U

AVS Responses   
Code Message UniPay Code

Amex
R System Unavailable; retry 00
U Information unavailable 40
N No, Address ans ZIP are both incorrect 45
Z ZIP only correct 47
A Address only correct 4D
0 Address verification was not requested 4F
Y Yes, Address ans ZIP are both correct 4F
D CM Name incorrect, ZIP matches 53
W No, CM Name, Address and ZIP are all incorrect 55
F CM Name incorrect, Address correct 5C
E CM Name incorrect, Address and ZIP are both correct 5F
K CM Name matches 70
L CM Name and Billing ZIP match 73
O CM Name and Billing Address 7C
M CM Name, Billing Address and Billing ZIP match 7F
S Address verification subscribed valid (not subscribed) 80

CSC Responses   
Code Message UniPay Code
Y CID Matches M
N CID did not match N
U CID did not checked U

AVS Responses   
Code Message UniPay Code

Discover
R Retry, system unavailabe 00
I Address information not verified 40
G Address not verified (International transaction) 40
U Address not verified. Issuer not available and Visa could not stand in (US only) 40
P Postal code match (Aquirer sent postal code and street address. Street address not verified) 43
C Street address and postal code not verified due to incompatible format 45
N No match (Aquirer sent postal code and/or street adress) 45
Z Postal code matches, street address does not match or was not sent 47
B Street address match, postal code not verified due to incompatible format 4D
Y Street address and postal code match (US only) 4F
F Street address and ZIP match (UK only) 4F
0 Address verification was not requested 4F
M Street address and ZIP match 4F
D Street address and ZIP match 4F

CSC Responses   
Code Message UniPay Code
M CID Matches M
N CID does not match N
P Not Processed P
S CID on card, but merchant says not CID on card S
U Issuer not certified U

Groups

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Heartland Exchange  (real-time) Response Codes:



Transaction Responses   
Code Type Message UniPay Code
00 Good Approval A01
85 Good Card OK A01
82 Soft Cashback Not App D01
62 Soft Decline D01
61 Soft Decline D01
02 Soft Call D01
65 Soft Decline D01
05 Soft Decline D01
80 Hard Date Error D02
54 Hard Expired Card D02
51 Soft Decline D03
04 Hard Hold-Call D04
07 Hard Hold-Call D04
14 Hard Card No. Error D05
15 Hard No Such Issuer D05
78 Hard No Account D06
53 Hard No Save Account D06
52 Hard No Check Account D06
55 Soft Wrong PIN D07
86 Soft Cannot Verify PIN D07
N7 Soft CVN Mismatch D08
41 Hard Hold-Call D10
43 Hard Hold-Call D11
57 Soft Serv Not Allowed D12
58 Soft Serv Not Allowed D12
77 Hard No Action Taken D27
10 Hard Partial Approval D27
EB Hard Check Digit Err D27
03 Hard Term Id Error D27
75 Hard PIN Exceeded D27
xx Hard xxxxxxxxxxxxxxxx D27
06 Hard Error XXXX D27
96 Hard System Error D27
12 Hard Invalid Trans D27
63 Hard Sec Violation D27
EC Hard CID Format Error D27
76 Hard No Action Taken D27
56 Hard Invalid Trans D27
97 Hard Translate Error D27
13 Hard Amount Error D27
19 Hard Re Enter D27
44 Soft Hold-Call D30
91 Soft No Reply E02

AVS Responses   
Code Message UniPay Code

Visa
R Retry, system unavailabe 00
U Address not verified. Issuer not available and Visa could not stand in (US only) 40
I Address information not verified 40
G Address not verified (International transaction) 40
P Postal code match (Aquirer sent postal code and street address. Street address not verified) 43
N No match (Aquirer sent postal code and/or street adress) 45
C Street address and postal code not verified due to incompatible format 45
Z Postal code matches, street address does not match or was not sent 47
A Address matches, but ZIP does not match 4D
B Street address match, postal code not verified due to incompatible format 4D
F Street address and ZIP match (UK only) 4F
0 Address verification was not requested 4F
M Street address and ZIP match 4F
D Street address and ZIP match 4F
Y Street address and postal code match (US only) 4F

CSC Responses   
Code Message UniPay Code
M CVV2 matches M
N CVV2 does not match N
P Not Processed P
S Issuer says CVV2 on card, but not provided in request S
U Issuer not certified U

AVS Responses   
Code Message UniPay Code

MasterCard
R Retry, system unable to process 00
U No data from issuer 40
N Neither ZIP code nor address match 45
Z 5-digit ZIP code matches, address does not 46
W 9-digit ZIP code matches, address does not 47
A Address matches, ZIP code does not 4D
Y 5-digit ZIP code and adress match 4E
0 Address verification was not requested 4F
X 9-digit ZIP code and adress match 4F
S AVS currently not supported (by issuer) 80

CSC Responses   
Code Message UniPay Code
M CVC2 matches M
N No match N
P Not Processed P
U Unregistered issuer U

AVS Responses   
Code Message UniPay Code

Amex
R System Unavailable; retry 00
U Information unavailable 40
N No, Address ans ZIP are both incorrect 45
Z ZIP only correct 47
A Address only correct 4D
0 Address verification was not requested 4F
Y Yes, Address ans ZIP are both correct 4F
D CM Name incorrect, ZIP matches 53
W No, CM Name, Address and ZIP are all incorrect 55
F CM Name incorrect, Address correct 5C
E CM Name incorrect, Address and ZIP are both correct 5F
K CM Name matches 70
L CM Name and Billing ZIP match 73
O CM Name and Billing Address 7C
M CM Name, Billing Address and Billing ZIP match 7F
S Address verification subscribed valid (not subscribed) 80

CSC Responses   
Code Message UniPay Code
Y CID Matches M
N CID did not match N
U CID did not checked U

AVS Responses   
Code Message UniPay Code

Discover
R Retry, system unavailabe 00
I Address information not verified 40
G Address not verified (International transaction) 40
U Address not verified. Issuer not available and Visa could not stand in (US only) 40
P Postal code match (Aquirer sent postal code and street address. Street address not verified) 43
C Street address and postal code not verified due to incompatible format 45
N No match (Aquirer sent postal code and/or street adress) 45
Z Postal code matches, street address does not match or was not sent 47
B Street address match, postal code not verified due to incompatible format 4D
Y Street address and postal code match (US only) 4F
F Street address and ZIP match (UK only) 4F
0 Address verification was not requested 4F
M Street address and ZIP match 4F
D Street address and ZIP match 4F

CSC Responses   
Code Message UniPay Code
M CID Matches M
N CID does not match N
P Not Processed P
S CID on card, but merchant says not CID on card S
U Issuer not certified U

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