|1A - Additional customer authentication required
|Additional authentication is needed from the customer to proceed with the transaction.
|00 - Approved
|The transaction has been successfully authorized and approved.
|01 - Refer to card issuer
|The merchant should contact the card issuer for further instructions or authorization.
|03 - Invalid merchant
|The merchant's identification or account is invalid.
|04 - Pick up card (no fraud)
|The cardholder's card needs to be confiscated by the merchant, but there is no suspicion of fraud.
|05 - Do not honor
|The card issuer has declined the transaction for various reasons.
|06 - Error
|An error has occurred during the processing of the transaction.
|10 - Partial approval
|The transaction has been partially approved for an amount less than the total requested.
|11 - Approved (V.I.P.)
|The transaction has been approved for a VIP customer.
|12 - Invalid transaction
|The transaction is invalid or cannot be processed.
|13 - Invalid amount
|The transaction amount is invalid or exceeds the allowable limit.
|14 - Invalid account number
|The provided account number is invalid.
|15 - No such issuer
|The card issuer does not exist or is not recognized.
|19 - Re-enter transaction
|The transaction should be re-entered or resubmitted.
|41 - Lost card
|The card has been reported as lost.
|43 - Stolen card
|The card has been reported as stolen.
|46 - Closed account
|The account associated with the card has been closed.
|51 - Not sufficient funds
|The cardholder's account does not have enough funds to cover the transaction.
|54 - Expired card
|The card being used has expired and is no longer valid.
|55 - PIN incorrect or missing
|The entered PIN is incorrect or missing for PIN-based authentication.
|57 - Transaction not permitted to cardholder
|The cardholder is not allowed to perform the requested transaction.
|59 - Suspected fraud:
|The transaction is suspected to be fraudulent.
|61 - Exceeds approval amount limit
|The transaction amount exceeds the approved limit.
|62 - Restricted card (card invalid in region or country)
|The card is restricted and cannot be used in the specified region or country.
|63 - Security violation
|A security violation has occurred during the transaction.
|64 - Transaction does not fulfill AML requirement
|The transaction does not comply with anti-money laundering requirements.
|65 - Exceeds withdrawal frequency limit
|The transaction exceeds the allowed frequency limit for withdrawals.
|70 - PIN data required
|PIN data is required to proceed with the transaction.
|75 - Allowable number of PIN-entry tries exceeded
|The maximum number of PIN-entry attempts has been exceeded.
|78 - Blocked, first used or special condition—new cardholder not activated or card is temporarily blocked
|The card is blocked due to special conditions, such as being newly issued and not activated or temporarily blocked.
|81 - Cryptographic error found in PIN
|A cryptographic error has been detected in the entered PIN.
|82 - Negative online CAM, dCVV, iCVV, CVV, CAVV, dCVV2, TAVV, or DTVV results
|Negative results have been found in online verification methods.
|85 - Not declined
|The transaction has not been declined.
|86 - Cannot verify PIN; for instance, no PVV
|The PIN cannot be verified, such as when there is no PIN Verification Value (PVV).
|91 - Issuer unavailable
|The card issuer is currently unavailable or unable to authorize the transaction.
|93 - Transaction cannot be completed violation of law
|The transaction cannot be completed due to a violation of the law.
|96 - System malfunction
|A system malfunction or error has occurred.
|N7 - Decline for CVV2 failure
|The transaction is declined due to a failure in CVV2 verification.
|N8 - Transaction amount exceeds pre-authorized approval amount
|The transaction amount exceeds the pre-authorized approval amount.
Updated 3 months ago