Response Code
Authorization Message

Reponse Definition
00 or 85
 Exact Match Approved transaction. There was an exact match on the zipcode and address that was provided.
00 or 85
 Address Match Approved transaction. There was a match on the address that was provided.
00 or 85
 Zip Match Approved transaction. There was a match on the zipcode that was provided.
00 or 85
 No Match No address or ZIP match, but the transaction was still approved due to your settings.
00 or 85
 Ver Unavailable The address checking system is not available for this cardholder, but the transaction was still approved due to your settings.
00 or 85
 Retry The address check system in down at this time, but the transaction was approved due to your settings.
00 or 85
 Error Ingeligable Not a mail/phone order, but your transaction was approved due to your settings.
00 or 85
 Serv Unavailable Serive not support for this card, but the transaction was approved due to your settings.
00
 Approval Approved and completed.
85
 Card Ok Approved and completed.
01
 Call This means that the card holders credit card company has blocked the transaction. Have the client call the 800 number on the back of the card and find out why.
02
 Call This means that the card holders credit card company has blocked the transaction. Have the client call the 800 number on the back of the card and find out why.
28
 No Reply The card holders bank is not replying to the credit card transaction. Try waiting and then rerunning the transaction.
91
 No Reply The card holders bank is not replying to the credit card transaction. Try waiting and then rerunning the transaction.
04
 Hold-call or Pick Up Card Pick up the card. There is a problem with the card. Call the 800 number on the back of the card to determine the issue.
07
 Hold-call or Pick Up Card Pick up the card. There is a problem with the card. It has been marked for fraud. Call the 800 number on the back of the card to determine the issue.
41
 Hold-call or Pick Up Card Lost card, pick up. There has been fraud reported on the account. Call the 800 number on the back of the card.
43
 Hold-call or Pick Up Card Stolen card, pick up. There has been fraud reported on the account. Call the 800 number on the back of the card.
EA
 Acct Length Err Verification Error
79
 Already Reversed Already reversed at switch
13
 Amount Error Invalid amount. Please check the transaction and try again with a proper amount.
83
 Cant Verify PIN Cannot verify the PIN
86
 Cant Verify PIN Cannot verify the PIN
14
 Card Number Error Invalid card number.
82
 Cashback Not App Cash back limit exceeded
N3
 Cashback Not Avl Cash back service not available
EB
 Check Digit Err Verification error
EC
 CID Format Error Verification error
80
 Date Error Invalid Date
05
 Decline Do not honor. The customers credit card company is telling you not to honor the card. There is a problem with their account. Have them call the 800 number on the back of the card to find out why.
51
 Decline Insufficient funds. They do not have enough money in their account.
N4
 Decline Exceeds issuer withdrawal limit. Have the customers call the 800 number on the back of the card and get a force code. This will allow you to bypass the limit on the card.
61
 Decline Exceeds issuer withdrawal limit. Have the customers call the 800 number on the back of the card and get a force code. This will allow you to bypass the limit on the card.
62
 Decline Invalid service code, restricted. The customers credit card company does not allow them to purchase products from your business type. Have them call the 800 number on the back of the card and get a force code for the transaction.
65
 Decline Activity limit exceeded. Have the customers call the 800 number on the back of the card and get a force code. This will allow you to bypass the limit on the card.
93
Decline Violation, cannot complete. Have the customer call the 800 number on the back of the card to determine the issue.
81
 Encryption Error Cryptograhic error
06
 Error XXXX General error
06*
 Check Service Error Error response text from check service
54
 Expired Card Expired card.
HV
 Failure HV This means that there was a configuration error when your account was added. Please contact technical support to resolve the issue.
CV
 Failure CV Card Type Verifaction Error. This means that the type of card has not been added to your account (Or there is an account number error). Please contact technical support to resolve the issue.
92
 Invalid Routing Destination not found
12
 Invaild Trans Invalid transaction
78
 No Account Account not recognized.
21
 No Action Taken Unable to back out transaction.
76
 Unsolic Reversal Unable to locate, no match
77
 No Action Taken Inconsistent data, rev., or repeat.
52
 No Check Account No checking account.
39
 No Credit Acct No credit account
53
 No Save Account No savings account
15
 No Such Issuer No such issuer
75
 PIN Exceeded PIN tries exceeded
19
 Re-Enter Re-Enter transaction
63
 Security Violation Security Violation
57
 Transaction not permitted-Card The bank that has issued this card does not allow this type of purchase. Have the client call the 800 number on the back of their card for further explaination.
58
 Serv Not Allowed This transaction is not allowed by the merchant provider.
R0
 Stop Recurring Customer requested stop of specific recurring payments.
R1
 Stop Recurring Customer requested stop of all recurring payments.
96
 System Error System malfunction
03
 Term ID Error Invalid Merchant ID
55
 Wrong Pin Incorrect PIN
N7
 CVV2 Mismatch The CVV2 Value supplied is invalid.
94
 Duplicate Trans Unable to locate, no match
12
 Invalid Transaction Invalid Transaction.
T0
 Approval First check is OK and has been converted
T1
 Cannot Convert Check is OK but cannot be converted. This is a declined transaction.
T2
 Invalid ABA Invalid ABA number, not an ACH participant.
T3
 Amount Error Amount greater than the limit
T4
 Unpaid Items Unpaid items, failed negative file check
T5
 Duplicate Number Deuplicate check number
T6
 MICR Error MICR error
T7
 Too Many Checks Too many checks (over merchant or bank limit)
UC
 Uncharged Card You are trying to refund a card that has not been previously charged in this system. If you still want to refund the card re-run it and it will go through.

Decline Code
Short Description

Explanation
01 Refer to card issuer The merchant must call the issuer before the transaction can be approved.
02 Refer to card issuer, special condition The merchant must call the issuer before the transaction can be approved.
03 Invalid merchant number The merchant ID is not valid.
04 Pick-up card. Capture for reward The card is listed on the Warning Bulletin.  Merchant may receive reward money by capturing the card.
05 Do not honor. The transaction was declined by the issuer without definition or reason The transaction was declined without explanation by the card issuer.
06 Error The card issuer returned an error without further explanation.
07 Pick-up card, special condition The card is listed on the Warning Bulletin.  Merchant may receive reward money by capturing the card.
08 Honor with identification Honor with identification.
09 Request in progress Request in progress.
10 Approved for partial amount Approved for partial amount.
11 Approved, VIP Approved, VIP program.
12 Invalid transaction The requested transaction is not supported or is not valid for the card number presented.
13 Invalid amount The amount exceeds the limits established by the issuer for this type of transaction.
14 Invalid card # The issuer indicates that this card is not valid.
15 No such issuer The card issuer number is not valid.
16 Approved, update track 3 Approved, update track 3.
17 Customer cancellation Customer cancellation.
18 Customer dispute Customer dispute.
19 Re enter transaction Customer should resubmit transaction.
20 Invalid response Invalid response.
21 No action taken No action taken. The issuer declined with no other explanation.
22 Suspected malfunction Suspected malfunction.
23 Unacceptable transaction fee Unacceptable transaction fee.
24 File update not supported File update not supported.
25 Unable to locate record Unable to locate record.
26 Duplicate record Duplicate record.
27 File update edit error File update edit error.
28 File update file locked File update file locked.
29 not used  
30 Format error, call The host reported that the transaction was not formatted properly.
31 Bank not supported Bank not supported by switch.
32 Completed partially Completed partially.
33 Expired card, pick-up The card is expired.  Merchant may receive reward money by capturing the card.
34 Issuer suspects fraud, pick-up card The card issuer suspects fraud.  Merchant may receive reward money by capturing the card.
35 Contact acquirer, pick-up Contact card issuer.  Merchant may receive reward money by capturing the card.
36 Restricted card, pick-up The card is restricted by the issuer.  Merchant may receive reward money by capturing the card.
37 Call security, pick-up Contact security.  Merchant may receive reward money by capturing the card.
38 PIN tries exceeded, pick-up PIN attempts exceed issuer limits.  Merchant may receive reward money by capturing the card.
39 No credit account No credit account.
40 Function not supported Requested function not supported.
41 Lost Card, capture for reward The card has been reported lost.
42 No universal account No universal account.
43 Stolen Card, capture for reward The card has been reported stolen.
44 No investment account No investment account.
45 - 50 not used  
51 Not sufficient funds The credit limit for this account has been exceeded.
52 - 53 not used  
54 Expired card The card is expired.
55 Incorrect PIN The cardholder PIN is incorrect.
56 No card record No card record.
57 Transaction not permitted to cardholder The card is not allowed the type of transaction requested.
58 Transaction not permitted on terminal The Merchant is not allowed this type of transaction.
59 Suspected fraud Suspected fraud.
60 Contact ECHO Contact ECHO.
61 Exceeds withdrawal limit The amount exceeds the allowed daily maximum.
62 Restricted card The card has been restricted.
63 Security violation. The card has been restricted.
64 Original amount incorrect Original amount incorrect.
65 Exceeds withdrawal frequency The allowable number of daily transactions has been exceeded.
66 Call acquirer security Call acquirer security
67 not used  
68 Response received too late Response received too late.
69 - 74 not used  
75 PIN tries exceeded The allowed number of PIN retries has been exceeded.
76 Invalid "to" account The debit account does not exist.
77 Invalid "from" account The credit account does not exist.
78 Invalid account specified (general) The associated card number account is invalid or does not exist.
79 Already reversed Already reversed.
80 - 83 not used  
84 Invalid authorization life cycle The authorization life cycle is invalid.
85  not used  
86 Cannot verify PIN Cannot verify PIN.
87 Network Unavailable Network Unavailable.
88 not used  

Error codes are defined in the following table.

Error Code Short Description Explanation
1000 Unrecoverable error. An unrecoverable error has occurred in the processing.
1001 Account closed The merchant account has been closed.
1002 System closed Services for this system are not available.
1003 E-Mail Down The e-mail function is not available.
1004-1011 not used  
1012 Invalid trans code The host computer received an invalid transaction code.
1013 Invalid term id The Term-ID is invalid.
1014 not used  
1015 Invalid card number The credit card number that was sent to the host computer was invalid
1016 Invalid expiry date The card has expired or the expiration date was invalid.
1017 Invalid amount The dollar amount was less than 1.00 or greater than the maximum allowed for this card.
1018 not used  
1019 Invalid state The state code was invalid.
1020 not used  
1021 Invalid service The merchant or card holder is not allowed to perform that kind of transaction
1022-1023 not used  
1024 Invalid auth code The authorization number presented with this transaction is incorrect. (deposit transactions only)
1025 Invalid reference number The reference number presented with this transaction is incorrect or is not numeric.
1026-1028 not used  
1029 Invalid contract number The contract number presented with this transaction is incorrect or is not numeric.
1030 Invalid inventory data The inventory data presented with this transaction is not ASCII "printable".
1031-1500 not used  
Error Codes 1501 through 1599 are generated after validating the merchant but before presenting the transaction to the host computers for processing.
1501-1507 not used  
1508   Invalid or missing order_type.
1509   The merchant is not approved to submit this order_type.
1510   The merchant is not approved to submit this transaction_type.
1511   Duplicate transaction attempt.
1512-1598 not used  
1599   An system error occurred while validating the transaction input.
1600-1800 not used  
Error Codes 1801 through 1814 are generated to indicate responses to AVS-Only transactions when the response is anything but "X" or "Y" (all digits match).
1801 Return Code "A" Address matches; ZIP does not match.
1802 Return Code "W" 9-digit ZIP matches; Address does not match.
1803 Return Code "Z" 5-digit ZIP matches; Address does not match.
1804 Return Codes "U" Issuer unavailable; cannot verify.
1805 Return Code "R" Retry; system is currently unable to process.
1806 Return Code "S" or "G" Issuer does not support AVS.
1807 Return Code "N" Nothing matches.
1808 Return Code "E" Invalid AVS only response.
1809 Return Code "B" Street address match. Postal code not verified because of incompatible formats.
1810 Return Code "C" Street address and Postal code not verified because of incompatible formats.
1811 Return Code "D" Street address match and Postal code match.
1812 Return Code "I" Address information not verified for international transaction.
1813 Return Code "M" Street address match and Postal code match.
1814 Return Code "P" Postal code match. Street address not verified because of incompatible formats.
1815-1896 not used  
1897 invalid response The host returned an invalid response.
1898 disconnect The host unexpectedly disconnected.
1899 timeout Timeout waiting for host response.
1900-2070 not used  
2071 Call VISA An authorization number from the VISA Voice Center is required to approve this transaction.
2072 Call Master Card An authorization number from the Master Card Voice Center is required to approve this transaction.
2073 Call Carte Blanche An authorization number from the Carte Blanche Voice Center is required to approve this transaction.
2074 Call Diners Club An authorization number from the Diners' Club Voice Center is required to approve this transaction.
2075 Call AMEX An authorization number from the American Express Voice Center is required to approve this transaction.
2076 Call Discover An authorization number from the Discover Voice Center is required to approve this transaction.
2077 not used  
2078 Call ECHO The merchant must call Customer Support for approval.or because there is a problem with the merchant's account.
2079 Call XpresscheX The merchant must call Customer Support for approval.or because there is a problem with the merchant's account.
The remaining error codes are generated by the host computers in response to errors in the dial-up protocol. These messages should never appear and they are listed below for completeness.
3001 No ACK on Resp The host did not receive an ACK from the terminal after sending the transaction response.
3002 POS NAK'd 3 Times The host disconnected after the terminal replied 3 times to the host response with a NAK.
3003 Drop on Wait The line dropped before the host could send a response to the terminal.
3005 Drop on Resp The line dropped while the host was sending the response to the terminal.
3007 Drop Before EOT The host received an ACK from the terminal but the line dropped before the host could send the EOT.
3011 No Resp to ENQ The line was up and carrier detected, but the terminal did not respond to the ENQ.
3012 Drop on Input The line disconnected while the host was receiving data from the terminal.
3013 FEP NAK'd 3 Times The host disconnected after receiving 3 transmissions with incorrect LRC from the terminal.
3014 No Resp to ENQ The line disconnected during input data wait in Multi-Trans Mode.
3015 Drop on Input The host encountered a full queue and discarded the input data.
9000-9999 Host Error The host encountered an internal error and was not able to process the transaction.