Response Codes

Purchase, Refund and Auth/Captured responses from Fat Zebra include a response_code value which maps to a standard list of responses from the financial network. These codes, their descriptions and the status of the transaction are detailed below:

Code	Message/Description (Returned from Gateway)	Bank Meaning	Successful?	Next Steps
00	Approved	Approved	Yes
01	Refer to Card Issuer	Transaction Declined	No	The customer needs to contact their card issuer for more information.
02	Refer to Card Issuer	Transaction Declined	No	The customer needs to contact their card issuer for more information.
03	No Merchant	Merchant configuration error	No	Check the merchant details provided.
04	Refer to Card Issuer	Card marked as Lost or Stolen	No	The specific reason for the decline should not be reported to the customer. Instead, it needs to be presented as a generic decline.
05	Refer to Card Issuer	Do Not Honor	No	The customer needs to contact their card issuer for more information.
06	Merchant/Acquirer Error	Error - Original Not Found or similar	No
07	Refer to Card Issuer	Card marked as lost or stolen (Pick Up Card - Special)	No	The specific reason for the decline should not be reported to the customer. Instead, it needs to be presented as a generic decline.
08	Approved	Honour with Identification	Yes
09	Acquirer Busy	Request in Progress (Local Terminal Error)	No
10	Approved	Approved for Partial Amount	Yes
11	Approved	Approved - VIP	Yes
12	Invalid Transaction	Invalid Transaction Type	No	The customer needs to contact their card issuer to make sure their card can be used to make this type of purchase.
13	Invalid Amount	Invalid Amount	No	If the amount appears to be correct, the customer needs to check with their card issuer that they can make purchases of that amount.
14	Invalid Card Number	Invalid Card Number	No	The customer needs to contact their card issuer to check that the card is working correctly.
15	No Issuer	The card does not have a valid issuer in the scheme registration file	No
16	Approved	Approved - Update Track 3	Yes
17	Declined	Not Used	No
18	Declined	Not Used	No
19	Declined	Re-enter last transaction	No	The payment should be attempted again. If it still cannot be processed, the customer needs to contact their card issuer.
20	Declined	Not Used	No
21	Declined	Not Used	No
22	Declined	Suspected Malfunction	No	The payment should be attempted again. If it still cannot be processed, try again later.
23	Declined	Unacceptable Transaction Fee	No
24	Declined	Not Used	No
25	Declined	Unable to Locate Record on File	No
26	Declined	Not Used	No
27	Declined	Not Used	No
28	Declined	Not Used	No
29	Declined	Not Used	No
30	Declined	Format Error	No
31	Bank Not Supported	Bank Not Supported by Switch/Route	No
32	Declined	Not Used	No
33	Expired Card	Expired Card (Capture)	No	The customer should use another card.
34	Declined	Suspected Fraud - Retain Card	No	The specific reason for the decline should not be reported to the customer. Instead, it needs to be presented as a generic decline.
35	Declined	Card Acceptor, Contact Acquirer, Retain Card	No	The specific reason for the decline should not be reported to the customer. Instead, it needs to be presented as a generic decline.
36	Declined	Restricted Card - Retain Card	No	The specific reason for the decline should not be reported to the customer. Instead, it needs to be presented as a generic decline.
37	Declined	Contact Acquirer Security Department, Retain Card	No	The specific reason for the decline should not be reported to the customer. Instead, it needs to be presented as a generic decline.
38	Declined	PIN Retries Exceeded (Capture Card)	No	The customer must use another card or method of payment.
39	Declined	No Credit Account	No	The customer needs to contact their card issuer to check that the card is working correctly.
40	Declined	Function Not Supported	No
41	Declined	Lost Card	No	The specific reason for the decline should not be reported to the customer. Instead, it needs to be presented as a generic decline.
42	Declined	No Universal (Credit-capable) account	No	The customer needs to contact their card issuer to check that the card is working correctly.
43	Declined	Stolen Card	No	The specific reason for the decline should not be reported to the customer. Instead, it needs to be presented as a generic decline.
44	Declined	No Investment Account (Not Used)	No	The customer needs to contact their card issuer to check that the card is working correctly.
45	Declined	Not Used	No
46	Declined	Not Used	No
47	Declined	Not Used	No
48	Declined	Not Used	No
49	Declined	Not Used	No
50	Declined	Not Used	No
51	Insufficient Funds	Insufficient Funds	No	The customer should use an alternative payment method.
52	Declined	No Cheque Account	No	The customer needs to contact their card issuer to check that the card is working correctly.
53	Declined	No Savings Account	No	The customer needs to contact their card issuer to check that the card is working correctly.
54	Expired Card	Expired Card	No	The customer should use another card.
55	Declined	Incorrect PIN	No	The customer should try again using the correct PIN.
56	Declined	No Card Record - Check with Issuer	No	The customer needs to contact their card issuer to check that the card is working correctly.
57	Declined	Function Not Permitted to Card Holder	No	The customer needs to contact their card issuer to make sure their card can be used to make this type of purchase.
58	Declined	Function Not Permitted to Terminal	No
59	Declined	Suspected Fraud	No	The specific reason for the decline should not be reported to the customer. Instead, it needs to be presented as a generic decline.
60	Declined	Merchant to Contact Acquirer	No
61	Declined	Exceeds Withdrawal Limit	No
62	Declined	Restricted Card	No
63	Declined	Not Used	No
64	Declined	Not Used	No
65	Declined	Exceeds Withdrawal	No	The customer’s card issuer has declined the transaction as the customer has exceeded the withdrawal frequency limit.
66	Declined	Not Used	No
67	Declined	Not Used	No
68	Declined	Not Used	No
69	Declined	Not Used	No
70	Declined	Not Used	No
71	Declined	Not Used	No
72	Declined	Not Used	No
73	Declined	Not Used	No
74	Declined	Not Used	No
75	Declined	PIN Tries Exceeded	No	The customer must use another card or method of payment.
76	Declined	Not Used	No
77	Declined	Not Used	No
78	Declined	Not Used	No
79	Declined	Not Used	No
80	Declined	Not Used	No
81	Declined	Not Used	No
82	Declined	CVV Validation Error	No	The customer should try again using the correct CVV.
83	Declined	Not Used	No
84	Declined	Not Used	No
85	Declined	Not Used	No
86	Declined	Not Used	No
87	Declined	Not Used	No
88	Declined	Not Used	No
89	Declined	Not Used	No
90	Declined - Please Retry	Cutoff In Progress - retry allowed	No	The payment should be attempted again. If it still cannot be processed, the customer needs to contact their card issuer.
91	Declined	Host or Switch Unavailable/Card Issuer Signed Off/Card Issuer Timed Out/Card Issuer Unavailable	No	The payment should be attempted again. If it still cannot be processed, the customer needs to contact their card issuer.
92	Declined	Unable to Route Transaction	No	The payment should be attempted again. If it still cannot be processed, try again later.
93	Declined	Cannot Complete, Violation Of The Law	No	The specific reason for the decline should not be reported to the customer. Instead, it needs to be presented as a generic decline.
94	Declined	Duplicate Transaction	No	Check to see if a recent payment already exists.
95	Declined	Not Used	No
96	Declined	System Error	No	The payment should be attempted again. If it still cannot be processed, try again later.
99	System Error - Contact Gateway if error persists	System Error	No	The payment should be attempted again. If it still cannot be processed, try again later.