Issuer Response Codes

Card Brand	Response Code	Description	Explanation and Recommended Merchant Action
	00	Authorization Approved	The issuing bank has successfully approved the transaction
	01	Contact Issuer	Transaction declined by issuer, cardholder should contact their issuing bank for details and to resolve the issue, or use an alternative payment method
	03	Invalid Merchant	Transaction declined by issuer, cardholder should contact their issuing bank for details and to resolve the issue, or use an alternative payment method
	04	Pick Up Card (No Fraud)	The issuer requires the card to be picked up, possibly a counterfeit or stolen card. This code is mostly used in face-to-face environments but sometimes applies to non-face-to-face transactions
	05	Do Not Honor	This is a general decline code, cardholder should contact their issuing bank to understand the reason or try an alternative payment method
	06	Error	Payment processing was not successful, cardholder should contact their issuing bank to understand the reason or try an alternative payment method
	07	Pick Up Card, Special Conditions (Fraud Account)	Transaction declined because the card is suspected to be counterfeit or stolen
	10	Partial Approval	The issuing bank has only partially approved the transaction
	11	Approved (VIP)	Exceeds withdrawal amount limit
	12	Invalid Transaction	The issuing bank does not approve specific types of transactions, e.g., debit cards not allowing international transactions. Cardholder should contact their issuing bank to understand the reason or try an alternative payment method
	13	Invalid Amount	The issuing bank declined the transaction due to format or amount field errors. This response typically occurs on Cirrus or Maestro debit and prepaid cards or cards not allowed for online purchases. Cardholder should try an alternative payment method
	14	Invalid Card Number	The issuing bank cannot find the card/account number. Cardholder should check if the number entered is correct or contact the issuing bank to resolve the issue or try an alternative payment method
	15	Invalid Issuer	According to card range information, the card number does not belong to the issuing bank. Cardholder should try an alternative payment method
	19	Re-enter Transaction	Temporary issue occurred during processing, recommend retrying the transaction
	21	No Action Taken	Applicable to China UnionPay only. The issuing bank has not activated the card or the card is currently dormant. Cardholder should contact the issuing bank to resolve the issue or try an alternative payment method
	22	Operation Error	Applicable to China UnionPay. The issuing bank cannot process the transaction, possibly due to policy not allowing this type of transaction. Cardholder should contact the issuing bank to resolve the issue or try an alternative payment method
	30	Format Error	The issuing bank does not recognize the transaction details entered. Cardholder should check for invalid characters in the transaction details and retry
	34	Fraudulent Card	The issuing bank has identified this transaction as fraudulent. Cardholder should contact the issuing bank to understand the reason or try an alternative payment method
	40	Transaction Not Supported by Issuer	Applicable to China UnionPay. The issuing bank cannot process this transaction because policy does not allow this type of transaction. Cardholder should contact the issuing bank to resolve the issue or try an alternative payment method
	41	Lost Card	The card has been reported as lost. Cardholder should verify its authenticity and contact the issuing bank
	43	Stolen Card	The card has been reported as stolen. Cardholder should verify its authenticity and contact the issuing bank
	46	Account Closed	The issuing bank has closed the account. Cardholder should verify if the card details entered are correct and should not retry with the same card number
	51	Insufficient Funds/Over Credit Limit	Cardholder account has insufficient funds. Cardholder can retry after adding funds or use an alternative payment method
	52	No Checking Account	The card is not linked to a valid checking account. Cardholder should contact the issuing bank to resolve the issue or try an alternative payment method
	53	No Savings Account	The card is not linked to a valid savings account. Cardholder should contact the issuing bank to resolve the issue or try an alternative payment method
	54	Expired Card	The card expiration date has passed. Cardholder should correct the date or use an alternative payment method
	55	Invalid PIN	Cardholder entered an incorrect PIN. Cardholder should re-enter the PIN or use an alternative payment method
	57	Transaction Not Permitted to Issuer/Cardholder	The issuing bank restricts this type of transaction. Cardholder should try an alternative payment method
	59	Suspected Fraud	The issuing bank declined the transaction due to suspected fraud. Cardholder should try an alternative payment method
	61	Exceeds Withdrawal Amount Limit	Cardholder has exceeded the card limit. Cardholder can retry after resolving the issue or use an alternative payment method
	62	Restricted Card	The issuing bank has restricted the card, possibly due to risk policies or cardholder default. Cardholder should try an alternative payment method
	63	Security Violation	The issuing bank indicates there is a security issue with this card. Cardholder should try an alternative payment method
	64	AML Requirements Failed/Original Transaction Amount Mismatch	Transaction declined due to non-compliance with anti-money laundering requirements
	65	Exceeds Withdrawal Frequency Limit/Additional Customer Authentication Required	Visa only. Cardholder has exceeded the card usage frequency limit
	65	Exceeds Withdrawal Frequency Limit/Additional Customer Authentication Required	MasterCard only. The issuing bank requests additional authentication, so the transaction is soft declined
	6P	Customer ID Verification Failed	Authentication failed when completing a Visa Direct transaction. Cardholder should verify their details and retry
	70	Contact Issuer	Transaction declined by the issuing bank. The issuing bank requests the cardholder to contact them
	78	Invalid/Non-Existent Account (General)	The issuing bank has not fully activated and unlocked the new card. Cardholder should contact the issuing bank
	79	Lifecycle	Transaction declined due to invalid card data. Please refer to the merchant advice code page for more explanation
	80	Credit Issuer Unavailable	The issuing bank cannot be contacted. Cardholder should retry or use an alternative payment method
	82	Policy	Transaction declined due to policy reasons. Please refer to the merchant advice code page for more explanation
	82	Online CAM, dCVV, iCVV, CVV or CAVV Result or Offline PIN Authentication Disrupted	Cardholder verification method failed for CAM, dCVV, iCVV, CVV or service code for card-present transactions
	83	Fraud/Security Violation	Transaction declined by the issuing bank due to suspected fraud. Please refer to the merchant advice code page for more explanation
	85	No Reason to Decline	Transaction approved by the issuing bank. This typically applies to zero-amount transactions, account verification, and address verification
	90	Decline Due to Daily Cutoff in Progress	Transaction declined due to China UnionPay daily cutoff in progress. Please retry the transaction with the same credentials
	91	Authorization Platform or Issuer System Inoperative/Issuer Unavailable	The issuing bank cannot be contacted. Cardholder should retry or use an alternative payment method
	91	Issuer Unavailable or Switch Inoperative	The issuing bank or issuer processor cannot authorize, for example due to downtime
	92	Unable to Route/Unable to Route Transaction	Cardholder may have entered an incorrect or test card number as there is no valid routing for the card number entered. Please verify card details and retry
	93	Transaction Cannot Be Completed; Violation of Law	The issuing bank does not allow this transaction. Cardholder should use an alternative payment method
	96	System Malfunction	The issuing bank cannot be contacted. Cardholder should retry or use an alternative payment method
	1A	Authentication Required	Transaction soft declined by the issuing bank, requiring additional authentication. This typically occurs when 3DS or applicable SCA exemptions are not used
	R0	Stop Payment Order	Cardholder has requested to stop a specific one-time recurring payment transaction. Merchant should contact the cardholder to cancel this transaction
	R1	Revocation of Authorization Order	Cardholder has requested to stop all recurring payment transactions associated with this order. Merchant should contact the cardholder to cancel this order
	R3	Revocation of All Authorization Orders	All recurring payments have been canceled. Merchant should contact the cardholder to cancel all transactions
	N7	CVV2 Verification Failed	The issuing bank cannot verify the CVV2 or an error occurred during verification. Cardholder should try an alternative payment method
	000	Approved	Transaction has been successfully approved by the issuing bank
	100	Declined	Transaction declined by the issuing bank due to policy reasons. Cardholder should try an alternative payment method
-	101	Expired Card/Invalid Expiration Date	The issuing bank declined the transaction due to an expired card or invalid expiration date. Cardholder should update card information or use an alternative payment method
	109	Invalid Merchant	The card network does not recognize the merchant in the transaction details. The acquirer or payment service provider should check, and the merchant should ensure the correct MID is used
	110	Invalid Amount	The issuing bank declined the transaction due to format or amount field errors. Cardholder should verify the transaction amount
	111	Invalid Account/Invalid MICR (Travelers Cheque)	The issuing bank cannot find the card/account number. Cardholder should contact the issuing bank to resolve the issue or try an alternative payment method
	115	Requested Function Not Supported	The issuing bank does not support the transaction type on the card. Cardholder should try an alternative payment method
	116	Insufficient Funds	Cardholder account has insufficient funds. Cardholder can retry after adding funds or use an alternative payment method
	119	Cardholder Not Registered/Not Permitted	The issuing bank declined the transaction because the requested service is not enabled, such as 3DS authentication or address verification request
	121	Exceeds Limit	Cardholder has exceeded the card usage frequency limit
	122	Invalid Card Security Code (i.e., CID, 4DBC, 4CSC)	Cardholder may have entered an incorrect security code. Should verify the security code
	130	Additional Customer Authentication Required	The issuing bank soft declined the transaction, requesting additional authentication
	181	Format Error	The issuing bank declined the transaction due to transaction information format issues. Please verify the details submitted to avoid invalid details
	183	Invalid Currency Code	Transaction currency not supported by the network. Please change the currency and retry
	187	Decline - New Card Issued	The issuing bank declined the transaction because the current card has been replaced. Cardholder should try the new card number
	189	Decline - Merchant/SE Canceled or Closed	The card network has closed the merchant identifier. Merchant should verify the merchant identifier used in the transaction
	190	Country ID Mismatch	The issuing bank declined the transaction because the country code in the transaction does not match the issuing bank records
	191	System Error	The issuing bank or processing system encountered a temporary issue. Recommend retrying the transaction
	193	Card Cannot Be Processed	The issuing bank declined the transaction because the card cannot be used for this type of transaction. Cardholder should try an alternative payment method
	200	Decline - Pick Up Card	The issuing bank requires the card to be picked up, possibly a counterfeit or stolen card
	800	Accept	Transaction has been successfully approved by the issuing bank
	888	Signature Verified	Transaction has been successfully approved by the issuing bank, signature verified
	900	Accept	Transaction has been successfully approved by the issuing bank
	901	Accept	Transaction has been successfully approved by the issuing bank
	902	Invalid Transaction	The issuing bank does not approve specific types of transactions. Cardholder should contact their issuing bank to understand the reason or try an alternative payment method
	903	Re-enter Transaction	Temporary issue occurred during processing, recommend retrying the transaction
	904	Format Error	The issuing bank declined the transaction due to transaction information format issues. Please verify the details submitted to avoid invalid details
	905	Unable to Verify PIN	Cardholder entered an incorrect PIN. Cardholder should re-enter the PIN or use an alternative payment method
	906	Unable to Verify PIN, Exceeded PIN Attempts	Cardholder has exceeded the PIN attempt limit. Cardholder should contact the issuing bank to unlock the PIN or use an alternative payment method
	907	Issuer Unavailable	The issuing bank cannot be contacted. Cardholder should retry or use an alternative payment method
	909	System Malfunction	The issuing bank or processing system encountered a temporary issue. Recommend retrying the transaction
	910	Issuer Unavailable	The issuing bank cannot be contacted. Cardholder should retry or use an alternative payment method
	912	Issuer Unavailable	The issuing bank cannot be contacted. Cardholder should retry or use an alternative payment method
	940	Decline - Pick Up Card	The issuing bank requires the card to be picked up, possibly a counterfeit or stolen card
	950	Decline - Do Not Honor	This is a general decline code, cardholder should contact their issuing bank to understand the reason or try an alternative payment method

Discover Response Codes

Card Brand	Response Code	Description	Explanation and Recommended Merchant Action
	000	Transaction Successful	The transaction has been successfully completed
	001	Further Identification Required	Please contact the issuing bank to confirm transaction details
	081	Approved by Issuer	The transaction has been approved by the issuing bank, proceed to the next step
	082	Approved by Xpress System	The transaction has been approved by the Xpress system on behalf of the issuer
	083	Approved by Acquirer	The transaction has been approved by the acquiring bank
	100	Do Not Approve	Transaction declined, please contact the issuing bank
	101	Card Expired	Please ask the cardholder to use a valid card
	102	Suspected Fraud	Please ask the cardholder to contact the issuing bank or police
	104	Card Restricted	Please ask the cardholder to contact the issuing bank for a replacement card
	110	Invalid Amount	Please enter the correct amount
	111	Invalid Card Number	Please check the card information or use a different card
	117	Incorrect PIN	Please re-enter PIN or contact the issuing bank
	181	POS Participant Decline	Transaction declined by POS participant

References

• visa developer center
• mastercard developers

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