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 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 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 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 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 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 61

Meaning

Exceeds withdrawal amount limits

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 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.

Important information