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

Not Used

No

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.