Error codes MasterCard
The following table contains the response codes that Mastercard can pass back directly from the receiving networks. The most common decline reasons are listed below:
Error code | Error message |
|---|---|
1 | Refer to card issuer |
2 | Refer to card issuers special conditions |
3 | Invalid merchant |
4 | Do not honor, Fraud |
5 | Do not honor |
6 | Invalid card number |
7 | Pick-up card, special conditions |
8 | Timeout |
12 | Invalid transaction |
13 | Invalid amount |
14 | Invalid card number (no such number) |
15 | No such issuer |
19 | Exceeds ACS maximum challenges |
20 | Invalid response |
21 | No To Account |
22 | Suspected malfunction |
25 | Unable to locate record on file |
25.01 | Lifecycle decline. Updated information found in ABU, check before reapeating |
25.02 | Lifecycle decline. Retry later |
25.03 | Lifecycle decline. Suspected fraud, do not retry |
26.01 | Policy decline. Updated information found in ABU, check before reapeating |
26.02 | Policy decline. Retry later |
26.03 | Policy decline. No Updated Credentials, Do not retry |
30 | Format error |
31 | Bank not supported by switch |
34 | Suspected fraud, pick-up |
36 | Restricted card, pick-up |
38 | Allowable PIN tries exceeded, pick-up |
39 | No credit account |
40 | Requested function not supported |
41 | Lost card, pick-up |
42 | No universal account |
43 | Stolen card, pick-up |
51 | Insufficient funds |
52 | No checking account |
53 | No savings account |
54 | Expired card |
55 | Incorrect PIN |
56 | No card record |
57 | Transaction not permitted to cardholder |
58 | Transaction not permitted to terminal (may also be a chargeback) |
59 | Suspected fraud |
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 withdrawal amount limit |
62 | Restricted card |
65 | Exceeds withdrawal frequency limit |
67 | Hard capture, pick-up |
75 | Allowable number of PIN tries exceeded |
76 | Invalid Account |
78 | Customer not eligible for POS (Star SM) |
87 | PIN Key Error |
88 | Information not on file |
89 | Card verification value (CVV) verification failed (no pickup) |
90 | Cutoff is in progress |
91 | Issuer or switch is inoperative |
92 | Financial institution or intermediate network unknown for routing |
96 | System malfunction |
98 | Duplicate Reversal |
99 | Duplicate Transaction |
S9 | Expiration date mismatch |
SA | Inactive card |
SE | Ineligible account |
T3 | Lost card (no pickup) |
T4 | Closed account |
T5 | Dormant account |
1101,1102, 1276 | DS returns an error response for ARes |
1201,1203,1301,1303,1305,1403,1404 | ACS returns an error response for AReq |
1151 | Error while sending to DS. Error Detail |
2700 | ID Validation Can Not Be Provided |
4837 | No Cardholder Authorization |
4853 | Cardholder Dispute |
Updated 5 days ago