Error codes for Credit Cards

Error Code

Error message

02

Refer to card issuer

03

Invalid merchant

04

Do not honour

05

Do not honour

06

Invalid Transaction for Terminal

07

Honour with ID

08

Time-Out

09

No Original

10

Unable to Reverse

11

Partial Approval

12

Invalid transaction card / issuer / acquirer

13

Invalid amount

14

Invalid card number

17

Invalid Capture date (terminal business date)

19

System Error; Re-enter transaction

20

No From Account

21

No To Account

22

No Checking Account

23

No Saving Account

24

No Credit Account

30

Format error

34

Implausible card data

39

Transaction Not Allowed

41

Lost Card, Pickup

42

Special Pickup

43

Hot Card, Pickup (if possible)

44

Pickup Card

45

Fallback transaction not allowed (Union Pay only)

51

Not sufficient funds

54

Expired card

55

Incorrect PIN; Re-enter

57

Transaction not permitted on card

58

Txn Not Permitted On Term

59

Suspected Fraud

61

Exceeds amount limit

62

Restricted card

63

MAC Key Error

65

Exceeds frequency limit

66

Exceeds Acquirer Limit

67

Retain Card; no reason specified

68

Response received too late.

69

Used to indicate the reason for sending a reversal – an authorisation response was not returned within the time limit

75

Exceeds PIN Retry

76

Invalid Account

77

Issuer Does Not Participate In The Service

78

Function Not Available

79

Key Validation Error

80

Approval for Purchase Amount Only

81

Unable to Verify PIN

82

Invalid Card Verification Value

83

Not declined (Valid for all zero amount transactions)

84

Invalid Life Cycle of transaction

85

No Keys To Use

86

K M E Sync Error

87

PIN Key Error

88

MAC sync Error

89

Security Violation

91

Issuer not available

92

Invalid Issuer

93

Transaction cannot be completed

94

Invalid originator

95

Contact Acquirer

96

System malfunction

97

No Funds Transfer

98

Duplicate Reversal

99

Duplicate Transaction

N3

Cash Service Not Available

N4

Cash Back Request Exceeds Issuer Limit

N7

“Decline CVV2 failure

R0

Stop Payment Order

R1

Revocation of Authorisation Order

R3

Revocation of all Authorisations Order


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