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 | Entered details are incorrect or merchant facility is non-functional |
| 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. |
| 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 | |
| 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 |
| 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 | |
| 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 | |
| 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. 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 | Card issuer had declined the transaction as the card appears to be fraudulent |
| 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 | Card issuer had declined the transaction as it will exceed the customer's limit |
| 62 | Restricted card | Card issuer had declined the transaction as the card has some restrictions |
| 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 | |
| 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 | |
| 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 | Card issuer cannot complete the transaction. |
| 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 | |
| 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 |
Updated 5 months ago