Credit Card Issuer Response Codes
Credit Cards can be declined for numerous reasons. Here are the most common codes along with the response reason.
Code | Response Reason | Code | Response Reason |
0 | Approved | 54 | Expired Card |
1 | Refer to Card Issuer | 55 | Incorrect PIN |
2 | Refer to Issuer's special conditions | 56 | No Card Record |
3 | Invalid Merchant | 57 | Trans. not Permitted to Cardholder |
4 | Pick Up Card | 58 | Transaction not Permitted to Terminal |
5 | Do Not Honor | 59 | Suspected Fraud |
6 | Error | 60 | Card Acceptor Contact Acquirer |
7 | Pick Up Card, Special Conditions | 61 | Exceeds Withdrawal Amount Limits |
8 | Honor with identification | 62 | Restricted Card |
9 | Request in Progress | 63 | Security Violation |
10 | Partial Amount Approved | 64 | Original Amount Incorrect |
11 | VIP Approval | 65 | Exceeds Withdrawal Frequency Limit |
12 | Invalid Transaction | 66 | Card Acceptor Call Acquirer Security |
13 | Invalid Amount | 67 | Hard Capture - Pick Up Card at ATM |
14 | Invalid Card Number | 68 | Response Received Too Late |
15 | No Such Issuer | 75 | Allowable PIN Tries Exceeded |
16 | Approved, update track 3 | 76 | Previous message not found |
17 | Customer Cancellation | 77 | Data does not match original message |
18 | Customer Dispute | 80 | Invalid Date |
19 | Re-enter Transaction | 81 | Cryptographic failure |
20 | Invalid Response | 82 | Incorrect CVV |
21 | No Action Taken (no match) | 83 | Unable to verify PIN |
22 | Suspected Malfunction | 84 | Invalid authorization life cycle |
23 | Unacceptable Transaction Fee | 85 | No reason to decline |
24 | File Update not Supported by Receiver | 86 | ATM Malfunction |
25 | Unable to Locate Record on File | 87 | No Envelope Inserted |
26 | Duplicate File Update Record | 88 | Unable to Dispense |
27 | File Update Field Edit Error | 89 | Administration Error |
28 | File Update File Locked Out | 90 | Cut-off in Progress |
29 | File Update not Successful | 91 | Issuer or Switch is Inoperative |
30 | Format Error | 92 | Financial Institution Not Found |
31 | Bank not Supported by Switch | 93 | Trans Cannot be Completed |
32 | Completed Partially | 94 | Duplicate Transmission |
33 | Expired Card - Pick Up | 95 | Reconcile Error |
34 | Suspected Fraud - Pick Up | 96 | System Malfunction |
35 | Contact Acquirer - Pick Up | 97 | Reconciliation Totals Reset |
36 | Restricted Card - Pick Up | 98 | MAC Error |
37 | Call Acquirer Security - Pick Up | 99 | Reserved for National Use |
38 | Allowable PIN Tries Exceeded | N0 | Force STIP (VISA) |
39 | No CREDIT Account | N3 | Cash Service Not Available (VISA) |
40 | Requested Function not Supported | N4 | Cash request exceeds issuer limit (VISA) |
41 | Lost Card - Pick Up | N7 | Decline for CVV2 failure (VISA) |
42 | No Universal Amount | P2 | Invalid biller information (VISA) |
43 | Stolen Card - Pick Up | P5 | PIN Change Unblock Declined (VISA) |
44 | No Investment Account | P6 | Unsafe PIN (VISA) |
51 | Insufficient Funds | XA | Forward to issuer |
52 | No Cheque Account | XD | Forward to issuer |
53 | No Savings Account |
Don't see the question you were looking for? Contact Our Team to ask your question!