Error codes for Credit Cards

Error Code	Error message	Description
02	Refer to card issuer	The card issuer had indicated a problem with the credit card number. Customer should contact the bank
03	Invalid merchant	Used when the issuer or cardholder has restricted (temporary or permanent) the card or product definition to not allow usage at Merchant Category Code (MCC)
04	Do not honour	Generally indicates a card error. Bank is declining customer's card for an unspecified reason.
05	Do not honour	Generally indicates a card error. Bank is declining customer's card for an unspecified reason.
06	Invalid Transaction for Terminal	Do not reattempt. The issuer will never approve.
6P	Verification date failed	Verification data failed – No correct data 3DS.
07	Honour with ID	Transaction processed successfully. Some banks return this code instead of 00 response
08	Time-Out
09	No Original
10	Unable to Reverse
11	Suspected fraud	Issuer suspects fraud.
12	Invalid transaction	Invalid card / issuer / acquirer
13	Invalid amount	Invalid character (e.g. dollar sign or space)
14	Invalid card number	Credit card does not exist or incorrect. Check the credit card information and try again
17	Invalid Capture date (terminal business date)	Date field entered by the customer is invalid
19	System Error; Re-enter transaction	Transaction has not been processed. Please try again. Used when the issuer is temporarily unable to process a transaction due to an error in the message structure or field format or Address Verification failure. It is also used by Visa when a transaction exceeds the merchant fraud threshold designated in the Visa Transaction Advisor Service.
20	No From Account
21	No To Account
22	No Checking Account	Credit card number is associated to a cheque account that does not exist
23	No Saving Account	Credit card number is associated to a savings account that does not exist.
24	No Credit Account	Credit card number used is not a credit account. Try an alternate credit card
25	Lifecycle decline
25.01	Lifecycle decline	Updated information found in ABU (Automatic Billing Updater). Check before retrying
25.02	Lifecycle decline. Retry later	Please retry transaction later
25.03	Lifecycle decline	Suspected fraud, do not retry
26	Policy decline
26.01	Policy decline	Updated information found in ABU (Automatic Billing Updater). Check card data before repeating.
26.02	Policy decline. Retry later	Please retry transaction later
26.03	Policy decline	No updated credentials, do not retry
30	Format error	Card issuer does not recognize the transaction details. Check transaction information and try again
31	Blocked, first Used (domestic Brazil only)	Transaction from a new cardholder, and card was not properly unblocked. The account is temporarily blocked for all transactions due a special condition (e.g., delinquency or cardholder request). Applied globally from April 2021
34	Implausible card data
39	Transaction Not Allowed	Card issue does not allow this type of transaction
41	Lost Card, Pickup	Card issuer has declined the transaction as the card has been reported lost
42	Special Pickup	Card issuer has declined the transaction as the card has been reported lost or stolen
43	Hot Card, Pickup (if possible)	Card issuer has declined the transaction as the card has been reported stolen
44	Pickup Card	Card issuer has declined the transaction as the card has been reported stolen
45	Fallback transaction not allowed (Union Pay only)
46	Closed account	Do not reattempt. The issuer will never approve.
51	Not sufficient funds	Card issuer has declined the transaction as the card does not have sufficient funds
54	Expired card	Card issuer had declined the transaction as the card appears to have expired
55	Incorrect PIN; Re-enter	Card issuer had declined the transaction as the customer has entered an incorrect PIN
57	Transaction not permitted on card	Card issuer had declined the transaction as the card cannot be used for this type of transaction. Do not retry.
58	Txn Not Permitted On Term	Card issuer had declined the transaction as the card cannot be used for this type of transaction
59	Suspected Fraud	Used when a transaction fails a fraud rule in the issuers fraud detection system or Visa Real Time Decisioning (RTD)/Visa Risk Manager (VRM)
59.01	Authentication decline.	Authentication may improve likely hood of approval
59.02	Authentication decline. Retry later
59.03	Authentication decline. Suspected fraud, do not retry
61	Exceeds amount limit	Used by issuer when the defined amount activity limit for the account is exceeded. This is also used by Visa when • The issuer or acquirer settlement risk exposure cap has been exceeded or • The issuer defined velocity/amount limit for CFT has been exceeded"
62	Restricted card	Used when a transaction is attempted from a country where transactions are restricted (temporary or permanent) including OFAC or embargoed countries
63	MAC Key Error
65	Additional SCA required	Exceeds frequency limit
66	Exceeds Acquirer Limit
67	Retain Card; no reason specified	Card issuer had declined the transaction as the card is suspected to be a counterfeit
68	Response received too late.	An authorization response was not returned within the time limit
69	Used to indicate the reason for sending a reversal	An authorization response was not returned within the time limit
70	PIN data required	Used when PIN data is required and not present in the authorization request
75	Exceeds PIN Retry	Card issuer had declined the transaction as the customer has entered the incorrect PIN more than three times
76	Invalid Account	Card issuer had declined the transaction as account does not exist (anymore)
77	Issuer Does Not Participate In The Service	This could mean that the issuer does not allow transactions with the specific merchant or service provider, or that the issuer does not support the particular type of payment being used (e.g. virtual card or e-wallet). Customer is recommended to contact his bank to inquire about policies regarding CFT, or consider using an alternative payment method.
78	Function Not Available
79	Key Validation Error
80	Approval for Purchase Amount Only
81	Unable to Verify PIN
82	Invalid Card Verification Value	Card issuer had declined the transaction as the CVV is incorrect
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	Card issuer does not permit transaction on this card
91	Issuer not available	Card issuer is unable to be contracted to authorize the transaction
92	Invalid Issuer	Card issuer cannot be found for for routing. Often returned when customer using a test credit card number
93	Transaction cannot be completed	Used for regulatory restrictions which may be temporary or permanent. There may temporary restrictions that are the result of regulation that can be fixed by the cardholder, such as the cardholder opting out of gambling, the cardholder opting out of e-commerce, etc
94	Invalid originator
95	Contact Acquirer
96	System malfunction	Card issuer was not able to process the transaction
97	No Funds Transfer
98	Duplicate Reversal	Card issuer had declined the transaction as this transaction appears to be duplicate transmission
99	Duplicate Transaction	Card issuer had declined the transaction as this transaction appears to be duplicate transmission
N3	Cash Service Not Available	Used only for transactions involving cash or cashback and the issuer does not allow cash or cashback on the card requesting
N4	Cash Back Request Exceeds Issuer Limit	Card issuer had declined the transaction as transaction amount exceeds the bank's limits
N7	“Decline CVV2 failure	Card issuer had declined the transaction as the cvv is incorrect
R0	Stop Payment Order	Customer requested stop of specific recurring payment
R1	Revocation of Authorization Order	Customer requested stop of recurring payments from specific order
R3	Revocation of all Authorizations Order	Customer requested stop of all recurring payments from all order