Table of Contents

Response Codes

Here we present a list of possible responses your integration may receive and that your solution needs to be able to handle.

CVV Results

  • M - CVV Match
  • N - CVV No Match
  • P - Not Processed
  • S - CVV should be on the card but the merchant indicates it is not.
  • U - User is unregistered

CVV result codes are for indication to the merchant only, and do not influence the overall authorisation result.
If you intend to change this behaviour, ask your gateway adminstrator to enable the “Auto decline on CVV failure” option for your terminals.

AVS Results

  • A - Address matches, ZIP does not. The first five numerical characters contained in the address match those stored at the VIC or issuer's center. However, the ZIP code does not match.
  • E - Ineligible transaction.
  • N - Neither address nor ZIP matches. Neither the first five numerical characters contained in the address match with those stored at the VIC nor issuer's center nor the ZIP code match.
  • R - Retry (system unavailable or timed out).
  • S - Card type not supported. The card type for this transaction is not supported by AVS. AVS can verify addresses for Visa cards, MasterCard, proprietary cards, and private label transactions.
  • U - Address information unavailable.
  • G - Address information unavailable, International - Visa only, The address information was not available at the VIC or issuer's center.
  • W - Nine-digit ZIP match, address does not. The nine-digit Postal ZIP code matches that stored at the VIC or card issuer's centre. However, the first five numerical characters contained in the address do not match.
  • X - Exact match (nine digit ZIP and address). Both the nine-digit Postal ZIP code as well as the first five numerical characters contained in the address match.
  • Y - Address and five-digit ZIP match. Both the five-digit Postal ZIP code as well as the first five numerical characters contained in the address match.
  • Z - Five-digit ZIP matches, address does not. The five-digit Postal ZIP code matches that stored at the VIC or card issuer's centre.

AVS result codes are for indication to the merchant only, and do not influence the overall authorisation result.
If you intend to change this behaviour, ask your gateway adminstrator to enable the “Auto decline on AVS failure” option for your terminals.

Gateway Response Codes

The gateway maps all responses into the following codes and, in addition to non-approval response codes, we will return a separate field containing a brief description of the failure.

  • A - Approval: The transaction has been authorized. When an approval code is returned, a hold will be placed on cardholder funds in the amount of the sale (depending on the card issuing bank it might take a different number of days) and will guarantee funds to be transferred into a merchant’s account.
  • D - Declined: The bank has declined the transaction and funds will not be transferred into the merchant's account.
  • C - Pick Up: The card issuer has declined the transaction and requested that the card be retained as it may have been reported as lost or stolen.
  • R - Referral: The bank requires more information before they can approve the transaction. This is only relevant when processing Mail/Telephone Order transactions through our Virtual Terminal.

If you get an R (Referral) response code you should contact your acquiring bank immediately, because once these transactions settle, they can no longer be completed. They'll ask you for the transaction details and then give you an authorization code, which you can enter into our Selfcare.

Your acquirer should have provided you with the a phone number, so you can contact them in regards to these queries. Please note that we do not have access to these contact numbers.

Bank (Issuer) Response Codes

To help merchants understand better the cause of declines, our responses also include the bank response codes which is a 2-digit code that identifies the reason the payment was approved or declined.

The list below comprehends most of the response codes sent by issuers, but keep in mind that this list may vary depending on the bank.

Filter:

Code Definition
00 Approved, authorized
01 Refer to card issuer
02 Refer to issuer's special conditions
03 Invalid merchant or service provider
04 Pick up card
05 Do not honor
06 Error
07 Pick up, special condition (other than lost/stolen)
08 Honor with ID
09 Request in progress
10 Partial amount approved
11 VIP Approval
12 Invalid or expired transaction
13 Invalid amount
14 Invalid card/account number
15 No such issuer
16 Approved, update track 3
17 Customer cancellation
18 Customer dispute
19 Re-enter transaction
20 Invalid response
21 No action taken (no match)
22 Suspected malfunction
23 Unacceptable transaction fee
24 File update not supported by receiver
25 Unable to locate record on file
26 Duplicate file update record
27 File update field edit error
28 File update file locked out
29 File update not successful
30 Format error
31 Bank not supported by switch
32 Completed partially
33 Expired card - pick up
34 Suspected fraud - pick up
35 Contact acquirer - pick up
36 Restricted card - pick up
37 Call acquirer security - pick up
38 Allowable pin tries exceeded
39 No credit account
40 Requested function not supported
41 Lost card - pick up
42 No universal amount
43 Stolen card - pick up
44 No investment account
46 Closed account
51 Insufficient funds
52 No checking account
53 No savings account
54 Expired card or invalid expiration date
55 Incorrect pin
56 No card record
57 Transaction not permitted to cardholder
58 Transaction not permitted to terminal
59 Suspected fraud
60 Card acceptor contact acquirer
61 Exceeds withdrawal limit
62 Invalid service code, restricted
63 Security violation
65 Activity limit exceeded
66 Card acceptor call acquirer security
67 Hard capture - pick up card at ATM
68 Response received too late
70 PIN data required
75 PIN tries exceeded
76 Unable to locate, no match
77 Inconsistent data, rev., or repeat
78 No account
79 Already reversed at switch
80 Invalid date
81 Cryptographic failure
82 Incorrect CVV
83 Unable to verify PIN
84 Invalid authorisation life cycle
85 No reason to decline
86 ATM malfunction
87 No envelope inserted
88 Unable to dispense
89 Administration error
90 Cut-off in progress
91 Issuer or switch is unavailable
92 Destination not found
93 Violation, cannot complete
94 Duplicate transmission
95 Reconcile error
96 System malfunction
97 Reconciliation totals reset
98 MAC error
A1 POS device authentication successful
A2 POS device authentication not successful
A3 POS device deactivation successful
B1 Surcharge amount not permitted on Visa cards or EBT food stamps
B2 Surcharge amount not supported by debit network issuer
CV Card type verification error
E1 Encryption not configured
E2 Terminal not authenticated
E3 Data could not be decrypted
EA Account length error
EB Check digit error
EC CID format error
HV Hierarchy verification failure
IA Additional customer authentication required
K0 Token request was processed
K1 Tokenization Not Configured
K2 Terminal not authenticated
K3 Data could not be de-tokenized
N0 Force STIP
N3 Cash service is not available
N4 Cash request exceeds issuer limit
N5 Ineligible for re-submission
N7 Decline for CVV2 failure
N8 Transaction amount exceeds pre-authorized amount
P0 Approved; PVID is missing, invalid or expired
P1 Declined; PVID is missing, invalid or expired
P2 Invalid biller information
P5 PIN change unblock declined
P6 Unsafe PIN
R0 Customer requested stop of specific recurring payment
R1 Revocation of authorization order
R3 Revocation of all authorizations order
T0 First check is OK and has been converted
T1 Check is OK but cannot be converted - declined transaction
T2 Invalid ABA number, not an ACH participant
T3 Amount greater than the limit
T4 Unpaid items, failed negative file check
T5 Duplicate check number
T6 MICR error
T7 Too many checks (over merchant or bank limit)
V1 Failure VM
Q1 Card authentication failed
XA Forward to issuer
XD Forward to issuer
Z3 Unable to go online