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:

CodeMessage/Description (Returned from Gateway)Bank MeaningSuccessful?Next Steps
00ApprovedApprovedYes
01Refer to Card IssuerTransaction DeclinedNoThe customer needs to contact their card issuer for more information.
02Refer to Card IssuerTransaction DeclinedNoThe customer needs to contact their card issuer for more information.
03No MerchantMerchant configuration errorNoCheck the merchant details provided.
04Refer to Card IssuerCard marked as Lost or StolenNoThe specific reason for the decline should not be reported to the customer. Instead, it needs to be presented as a generic decline.
05Refer to Card IssuerDo Not HonorNoThe customer needs to contact their card issuer for more information.
06Merchant/Acquirer ErrorError - Original Not Found or similarNo
07Refer to Card IssuerCard marked as lost or stolen (Pick Up Card - Special)NoThe specific reason for the decline should not be reported to the customer. Instead, it needs to be presented as a generic decline.
08ApprovedHonour with IdentificationYes
09Acquirer BusyRequest in Progress (Local Terminal Error)No
10ApprovedApproved for Partial AmountYes
11ApprovedApproved - VIPYes
12Invalid TransactionInvalid Transaction TypeNoThe customer needs to contact their card issuer to make sure their card can be used to make this type of purchase.
13Invalid AmountInvalid AmountNoIf the amount appears to be correct, the customer needs to check with their card issuer that they can make purchases of that amount.
14Invalid Card NumberInvalid Card NumberNoThe customer needs to contact their card issuer to check that the card is working correctly.
15No IssuerThe card does not have a valid issuer in the scheme registration fileNo
16ApprovedApproved - Update Track 3Yes
17DeclinedNot UsedNo
18DeclinedNot UsedNo
19DeclinedRe-enter last transactionNoThe payment should be attempted again. If it still cannot be processed, the customer needs to contact their card issuer.
20DeclinedNot UsedNo
21DeclinedNot UsedNo
22DeclinedSuspected MalfunctionNoThe payment should be attempted again. If it still cannot be processed, try again later.
23DeclinedUnacceptable Transaction FeeNo
24DeclinedNot UsedNo
25DeclinedUnable to Locate Record on FileNo
26DeclinedNot UsedNo
27DeclinedNot UsedNo
28DeclinedNot UsedNo
29DeclinedNot UsedNo
30DeclinedFormat ErrorNo
31Bank Not SupportedBank Not Supported by Switch/RouteNo
32DeclinedNot UsedNo
33Expired CardExpired Card (Capture)NoThe customer should use another card.
34DeclinedSuspected Fraud - Retain CardNoThe specific reason for the decline should not be reported to the customer. Instead, it needs to be presented as a generic decline.
35DeclinedCard Acceptor, Contact Acquirer, Retain CardNoThe specific reason for the decline should not be reported to the customer. Instead, it needs to be presented as a generic decline.
36DeclinedRestricted Card - Retain CardNoThe specific reason for the decline should not be reported to the customer. Instead, it needs to be presented as a generic decline.
37DeclinedContact Acquirer Security Department, Retain CardNoThe specific reason for the decline should not be reported to the customer. Instead, it needs to be presented as a generic decline.
38DeclinedPIN Retries Exceeded (Capture Card)NoThe customer must use another card or method of payment.
39DeclinedNo Credit AccountNoThe customer needs to contact their card issuer to check that the card is working correctly.
40DeclinedFunction Not SupportedNo
41DeclinedLost CardNoThe specific reason for the decline should not be reported to the customer. Instead, it needs to be presented as a generic decline.
42DeclinedNo Universal (Credit-capable) accountNoThe customer needs to contact their card issuer to check that the card is working correctly.
43DeclinedStolen CardNoThe specific reason for the decline should not be reported to the customer. Instead, it needs to be presented as a generic decline.
44DeclinedNo Investment Account (Not Used)NoThe customer needs to contact their card issuer to check that the card is working correctly.
45DeclinedNot UsedNo
46DeclinedNot UsedNo
47DeclinedNot UsedNo
48DeclinedNot UsedNo
49DeclinedNot UsedNo
50DeclinedNot UsedNo
51Insufficient FundsInsufficient FundsNoThe customer should use an alternative payment method.
52DeclinedNo Cheque AccountNoThe customer needs to contact their card issuer to check that the card is working correctly.
53DeclinedNo Savings AccountNoThe customer needs to contact their card issuer to check that the card is working correctly.
54Expired CardExpired CardNoThe customer should use another card.
55DeclinedIncorrect PINNoThe customer should try again using the correct PIN.
56DeclinedNo Card Record - Check with IssuerNoThe customer needs to contact their card issuer to check that the card is working correctly.
57DeclinedFunction Not Permitted to Card HolderNoThe customer needs to contact their card issuer to make sure their card can be used to make this type of purchase.
58DeclinedFunction Not Permitted to TerminalNo
59DeclinedSuspected FraudNoThe specific reason for the decline should not be reported to the customer. Instead, it needs to be presented as a generic decline.
60DeclinedMerchant to Contact AcquirerNo
61DeclinedExceeds Withdrawal LimitNo
62DeclinedRestricted CardNo
63DeclinedNot UsedNo
64DeclinedNot UsedNo
65DeclinedNot UsedNo
66DeclinedNot UsedNo
67DeclinedNot UsedNo
68DeclinedNot UsedNo
69DeclinedNot UsedNo
70DeclinedNot UsedNo
71DeclinedNot UsedNo
72DeclinedNot UsedNo
73DeclinedNot UsedNo
74DeclinedNot UsedNo
75DeclinedPIN Tries ExceededNoThe customer must use another card or method of payment.
76DeclinedNot UsedNo
77DeclinedNot UsedNo
78DeclinedNot UsedNo
79DeclinedNot UsedNo
80DeclinedNot UsedNo
81DeclinedNot UsedNo
82DeclinedCVV Validation ErrorNoThe customer should try again using the correct CVV.
83DeclinedNot UsedNo
84DeclinedNot UsedNo
85DeclinedNot UsedNo
86DeclinedNot UsedNo
87DeclinedNot UsedNo
88DeclinedNot UsedNo
89DeclinedNot UsedNo
90Declined - Please RetryCutoff In Progress - retry allowedNoThe payment should be attempted again. If it still cannot be processed, the customer needs to contact their card issuer.
91DeclinedHost or Switch Unavailable/Card Issuer Signed Off/Card Issuer Timed Out/Card Issuer UnavailableNoThe payment should be attempted again. If it still cannot be processed, the customer needs to contact their card issuer.
92DeclinedUnable to Route TransactionNoThe payment should be attempted again. If it still cannot be processed, try again later.
93DeclinedCannot Complete, Violation Of The LawNoThe specific reason for the decline should not be reported to the customer. Instead, it needs to be presented as a generic decline.
94DeclinedDuplicate TransactionNoCheck to see if a recent payment already exists.
95DeclinedNot UsedNo
96DeclinedSystem ErrorNoThe payment should be attempted again. If it still cannot be processed, try again later.
99System Error - Contact Gateway if error persistsSystem ErrorNoThe payment should be attempted again. If it still cannot be processed, try again later.