Response codes 00 to 29
Response code 00
Meaning
Transaction approved or request completed successfully.
Action
Complete – approved.
Response code 01
Meaning
Refer to card issuer.
Action
Decline transaction.
Response code 03
Meaning
Invalid merchant. Declined due to incorrect Merchant Category Code, or acquirer having incorrect merchant details (AMEX/JCB/Diners)
Action
Use a different card to transact.
Response code 04
Meaning
Pick-up card.
Action
Decline transaction. Retain card.
Response code 05
Meaning
Do not honour.
Action
Decline transaction.
Response code 06
Meaning
Error.
Action
Decline transaction.
Response code 07
Meaning
Pick up card special condition. Transaction declined by cardholder’s bank.
Action
Require an alternative form of payment.
Response code 08
Meaning
Honour with signature.
Action
Approve after signature validation.
Response code 12
Meaning
Invalid transaction.
Action
Decline transaction.
Response code 13
Meaning
Invalid amount.
Action
Decline transaction.
Response code 14
Meaning
Invalid card number.
Action
Decline transaction.
Response code 15
Meaning
No such issuer.
Action
Decline transaction.
Response code 19
Meaning
Re-enter transaction.
Action
Decline transaction – retry.
Response code 21
Meaning
No action taken.
Action
Unmatched reversal processing.
Response codes 30 to 49
Response code 30
Meaning
Format error.
Action
Decline transaction.
Response code 31
Meaning
Bank not supported by switch.
Action
Decline transaction.
Response code 32
Meaning
Reversal for matching due to an interruption.
Action
An accounting query may need to be logged.
Response code 33
Meaning
Expired card.
Action
Decline transaction. Retain card.
Response code 34
Meaning
Suspected fraud.
Action
Decline transaction. Retain card.
Response code 36
Meaning
Restricted card.
Action
Decline transaction. Retain card.
Response code 38
Meaning
Allowable PIN tries exceeded.
Action
Decline transaction. Retain card.
Response code 39
Meaning
Declined no credit account.
Action
Require an alternative form of payment.
Response code 40
Meaning
Requested function not supported
Action
Decline transaction.
Response code 41
Meaning
Lost card.
Action
Decline transaction. Retain card.
Response code 43
Meaning
Stolen card.
Action
Decline transaction. Retain card.
Response code 44
Meaning
No investment account.
Action
Decline transaction.
Response code 46
Meaning
Closed account.
Action
Decline transaction.
Response codes 50 to 69
Response code 51
Meaning
No sufficient funds.
Action
Decline transaction.
Response code 52
Meaning
No cheque account.
Action
Account requested not attached -declined.
Response code 53
Meaning
No savings account.
Action
Account requested not attached -declined.
Response code 54
Meaning
Expired card.
Action
Decline transaction.
Response code 55
Meaning
Invalid PIN.
Action
Decline transaction. Request PIN again.
Response code 56
Meaning
No card record.
Action
Decline transaction.
Response code 57
Meaning
Cardholder transaction not permitted.
Action
Decline transaction.
Response code 58
Meaning
Transaction not permitted to terminal.
Action
Decline transaction.
Response code 59
Meaning
Suspected fraud.
Action
Decline transaction.
Response code 60
Meaning
Decline transaction.
Action
Require an alternative form of payment.
Response code 61
Meaning
Exceeds withdrawal amount limits
Action
Decline transaction.
Response code 62
Meaning
Restricted card.
Action
Decline transaction.
Response code 64
Meaning
Original amount incorrect.
Action
Decline transaction.
Response code 65
Meaning
Exceeds withdrawal frequency limit.
Action
Decline transaction.
Response code 67
Meaning
Hot card.
Action
Decline transaction. Retain card.
Response code 68
Meaning
Declined transaction due to the time frame it took to complete the transaction.
Action
Check the specific error on the merchant receipt and put through the transaction again.
Response codes 70 to 89
Response code 71
Meaning
Decline transaction.
Action
Require an alternative form of payment.
Response code 75
Meaning
Allowable number of PIN tries exceeded.
Action
Decline transaction.
Response code 78
Meaning
Blocked first use or special condition, new cardholder not activated or card term block.
Action
Decline transaction.
Response code 80
Meaning
Approved.
Action
Signature verification required.
Response code 82
Meaning
Negative online CAM, DCVV, iCVV, or CAVV results, or offline PIN authorisation interrupted, verification data failed.
Action
Decline transaction – retry.
Response code 86
Meaning
Cannot verify PIN. Decline transaction.
Action
Require an alternative form of payment.
Response codes 90 to 99
Response code 91
Meaning
Issuer not available.
Action
Decline transaction.
Response code 92
Meaning
Financial institution, intermediate network not found for routing.
Action
Decline.
Response code 94
Meaning
Duplicate transmission.
Action
Decline transaction.
Response code 95
Meaning
Reconcile error.
Response code 96
Meaning
System malfunction.
Action
Decline transaction.
Response code 97
Meaning
Settlement date advanced by 1 and totals reset. Accompanied by 1 totals in balance or 2 (totals out of balance) in Bit 66 settlement Code.
Action
Complete - approved transaction.
Response code 98
Meaning
MAC error.
Action
Decline transaction. Request key change.
Other response codes
Response code 6P
Meaning
Verification data failed.
Action
Decline transaction – retry.
Response code SR
Meaning
CVV entered incorrectly.
Action
Enter correct CVV.
Response code Y1
Meaning
Approved fallback transaction. Terminal was unable to communicate at time of transaction but has stored the approved transaction in the terminal.
Action
If an approved Y1 transaction does not show in FTI, perform a pre-settlement.
Response code Z1
Meaning
Offline declined.
Action
Decline transaction – retry.
Response code Z3
Meaning
Unable to go online, offline declined.
Action
Decline transaction.
Important information
Apologies but the Important Information section you are trying to view is not displaying properly at the moment. Please refresh the page or try again later.