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This field contains a two-character response code, indicating the status of the authorization request. A response code of 00 represents an approval. A response code of 85 represents a successful card verification returned normally by transaction codes 58, 68, and 88. All other response codes represent non-approved requests. Do not interpret all non-approved response codes as Declined.
The following table lists auth response codes:
Response code |
Auth response message |
Response definition |
00 or 85 |
EXACT MATCH |
Exact Match 9 digit Zip Code |
00 or 85 |
EXACT MATCH |
Exact Match 5 digit Zip Code |
00 or 85 |
ADDRESS MATCH |
Address Match Only |
00 or 85 |
ZIP MATCH |
9-digit Zip Code match only |
00 or 85 |
ZIP MATCH |
5-digit Zip Code match only |
00 or 85 |
NO MATCH |
No address or Zip Code match |
00 or 85 |
VER UNAVAILABLE |
Address unavailable |
00 or 85 |
VER UNAVAILABLE |
Non-U.S. Issuer, does not participate |
00 or 85 |
RETRY |
Issuer system unavailable |
00 or 85 |
ERROR INELIGIBLE |
Not a mail/phone order |
00 or 85 |
SERV UNAVAILABLE |
Service not supported |
00 or 85 |
ADDRESS MATCH |
Street Address match for international transaction. Postal Code not verified due to incompatible formats (Acquirer sent both street address and Postal Code). |
00 or 85 |
SERV UNAVAILABLE |
Street address and Postal Code not verified for international transaction due to incompatible formats (Acquirer sent both street and Postal Code). |
00 or 85 |
EXACT MATCH |
Street Address match for international transaction. |
00 or 85 |
VER UNAVAILABLE |
Address information not verified for international transaction. |
00 or 85 |
EXACT MATCH |
Street Address match for international transaction. |
00 or 85 |
ZIP MATCH |
Postal Codes match for international transaction. Street address not verified due to incompatible formats (Acquirer sent both street address and Postal Code). |
00 or 85 |
CARDHOLDER NAME AND ZIP MATCH |
AMEX only |
00 or 85 |
CARDHOLDER NAME, ADDRESS, AND ZIP MATCH |
AMEX only |
00 or 85 |
CARDHOLDER NAME AND ADDRESS MATCH |
AMEX only |
00 or 85 |
CARDHOLDER NAME MATCH |
AMEX only |
00 or 85 |
CARDHOLDER NAME INCORRECT, ZIP MATCH |
AMEX only |
00 or 85 |
CARDHOLDER NAME INCORRECT, ADDRESS AND ZIP MATCH |
AMEX only |
00 or 85 |
CARDHOLDER NAME INCORRECT, ADDRESS MATCH |
AMEX only |
00 or 85 |
CARDHOLDER, ALL DO NOT MATCH |
AMEX only |
00 |
APPROVAL |
Approved and completed |
01 |
CALL |
Refer to issuer |
02 |
CALL |
Refer to issuer - special condition |
03 |
TERM ID ERROR |
Invalid Merchant ID |
04 |
HOLD-CALL |
Pick up card (no fraud) |
05 |
DECLINE |
Do not honor |
06 |
ERROR XXXX |
|
07 |
HOLD-CALL |
Pick up card, special condition (fraud account) |
08 |
APPROVAL |
Honor MasterCard with ID |
10 |
PARTIAL APPROVAL |
Partial approval for the authorized amount returned in Group III version 022 |
11 |
APPROVAL |
VIP approval |
12 |
INVALID TRANS |
Invalid transaction |
13 |
AMOUNT ERROR |
Invalid amount |
14 |
CARD NO. ERROR |
Invalid card number |
15 |
NO SUCH ISSUER |
No such issuer |
19 |
RE ENTER |
Re-enter transaction |
21 |
NO ACTION TAKEN |
Unable to back out transaction |
25 |
NO CARD NUMBER |
Unable to locate the account number |
28 |
NO REPLY |
File is temporarily unavailable |
30 |
MSG FORMAT ERROR |
Transaction was improperly formatted |
39 |
NO CREDIT ACCT |
No credit account |
41 |
HOLD-CALL |
Lost card, pick up (fraud account) |
43 |
HOLD-CALL |
Stolen card, pick up (fraud account) |
46 |
CLOSED ACCOUNT |
Closed account |
51 |
DECLINE |
Insufficient funds |
52 |
NO CHECK ACCOUNT |
No checking account |
53 |
NO SAVE ACCOUNT |
No savings account |
54 |
EXPIRED CARD |
Expired card |
55 |
WRONG PIN |
Incorrect PIN |
57 |
SERV NOT ALLOWED |
Transaction not permitted-Card |
57 |
DECLINE |
Exceeds daily limit |
58 |
SERV NOT ALLOWED |
Transaction not permitted-Terminal |
59 |
SUSPECTED FRAUD |
Suspected Fraud |
61 |
EXC APPR AMT LIM |
Exceeds approval amount limit |
62 |
DECLINED |
Invalid service code, restricted |
63 |
SEC VIOLATION |
Security violation |
65 |
EXC W/D FREQ LIM |
Exceeds withdrawal frequency limit |
6P |
VERIF DATA FAILED |
Verification data failed |
75 |
PIN EXCEEDED |
Allowable number of PIN-entry tries exceeded |
76 |
UNSOLIC REVERSAL |
Unable to locate, no match |
77 |
NO ACTION TAKEN |
Inconsistent, reversed, or repeat data |
78 |
NO ACCOUNT |
Blocked, first used transaction from new cardholder, and card not properly unblocked |
79 |
ALREADY REVERSED |
Already reversed at switch |
80 |
NO IMPACT |
No Financial impact (used in reversal responses to declined originals) |
81 |
ENCRYPTION ERROR |
Cryptographic error |
82 |
INCORRECT CVV |
CVV data is not correct or Offline PIN authentication interrupted |
83 |
CANNOT VERIFY PIN |
Cannot verify PIN |
85 |
CARD OK |
No reason to decline |
86 |
CANNOT VERIFY PIN |
Cannot verify PIN |
91 |
NO REPLY |
Issuer or switch is unavailable |
92 |
INVALID ROUTING |
Destination not found |
93 |
DECLINE |
Violation, cannot complete |
94 |
DUPLICATE TRANS |
Unable to locate, no match |
96 |
SYSTEM ERROR |
System malfunction |
A1 |
ACTIVATED |
POS device authentication successful |
A2 |
NOT ACTIVATED |
POS device authentication not successful |
A3 |
DEACTIVATED |
POS device deactivation successful |
A8 |
INVALID REGION CODE |
Region code not valid |
A9 |
INVALID COUNTRY CODE |
Country code not valid |
B1 |
SRCHG NOT ALLOWED |
Surcharge amount not permitted on debit cards or EBT food stamps |
B2 |
SRCHG NOT ALLOWED |
Surcharge amount not supported by debit network issuer |
CV |
FAILURE CV |
Card Type Verification Error |
D3 |
SECUR CRYPT FAIL |
Transaction failure due to missing or invalid 3D-Secure cryptogram |
E1 |
ENCR NOT CONFIGD |
Encryption is not configured |
E2 |
TERM NOT AUTHENT |
Terminal is not authenticated |
E3 |
DECRYPT FAILURE |
Data could not be decrypted |
EA |
ACCT LENGTH ERR |
Verification error |
EB |
CHECK DIGIT ERR |
Verification error |
EC |
CID FORMAT ERROR |
Verification error |
H1 |
SERV NOT ALLOWED |
Contact Merchant Services/Technical Support |
H2 |
SERV NOT ALLOWED |
Contact Merchant Services/Technical Support |
H3 |
SERV NOT ALLOWED |
Contact Merchant Services/Technical Support |
H4 |
SRV NOT ALLOWED |
Contact Merchant Services/Technical Support |
H5 |
SERV NOT ALLOWED |
Contact Merchant Services/Technical Support |
H6 |
SERV NOT ALLOWED |
Contact Merchant Services/Technical Support |
H7 |
SERV NOT ALLOWED |
Contact Merchant Services/Technical Support |
H8 |
SERV NOT ALLOWED |
Contact Merchant Services/Technical Support |
H9 |
SERV NOT ALLOWED |
Contact Merchant Services/Technical Support |
HV |
FAILURE HV |
Hierarchy Verification Error |
K0 |
TOKEN RESPONSE |
Token request was processed |
K1 |
TOKEN NOT CONFIG |
Tokenization is not configured |
K2 |
TERM NOT AUTHENT |
Terminal is not authenticated |
K3 |
TOKEN FAILURE |
Data could not be de-tokenized |
M0 |
DOM DBT NOT ALWD |
Mastercard: Canada region-issued Domestic Debit Transaction not allowed |
N3 |
CASHBACK NOT AVL |
Cash back service not available |
N4 |
DECLINE |
Exceeds issuer withdrawal limit |
N7 |
CCV2 MISMATCH |
CVV2 Value supplied is invalid |
P0 |
SERV NOT ALLOWED |
Contact Merchant Services/Technical Support |
P1 |
SERV NOT ALLOWED |
Contact Merchant Services/Technical Support |
P2 |
SERV NOT ALLOWED |
Contact Merchant Services/Technical Support |
P3 |
SERV NOT ALLOWED |
Contact Merchant Services/Technical Support |
P4 |
SERV NOT ALLOWED |
Contact Merchant Services/Technical Support |
P5 |
SERV NOT ALLOWED |
Contact Merchant Services/Technical Support |
P6 |
SERV NOT ALLOWED |
Contact Merchant Services/Technical Support |
P7 |
MISSING SERIAL NUM |
The terminal has not yet completed the boarding process. The Serial Number has not been set up. |
Q1 |
CARD AUTH FAIL |
Card authentication failed |
R0 |
STOP RECURRING |
Customer requested stop of specific recurring payment |
R1 |
STOP RECURRING |
Customer requested stop of all recurring payments from specific merchant |
R3 |
STOP ALL RECUR |
All recurring payments have been canceled for the card number in the request |
S0 |
INACTIVE CARD |
The PAN used in the transaction is inactive |
S1 |
MOD 10 FAIL |
The Mod-10 check failed |
S5 |
DCLN NO PRE AUTH |
Decline -- no preauthorization found |
S9 |
MAX BALANCE |
Maximum working balance exceeded |
SA |
SHUT DOWN |
The authorization server is shut down |
SB |
INVALID STATUS |
Invalid card status -- status is other than active |
SC |
UNKNOWN STORE |
Unknown dealer/store code - special edit |
SD |
TOO MANY RCHRGS |
Maximum number of recharges is exceeded |
SE |
ALREADY USED |
Card was already used |
SF |
NOT MANUAL |
Manual Transactions not allowed |
SH |
TYPE UNKNOWN |
Transaction type was unknown |
SJ |
INVALID TENDER |
An invalid tender type was submitted |
SK |
CUSTOMER TYPE |
An invalid customer type was submitted |
SL |
PIN LOCKED |
PIN was locked |
SM |
MAX REDEMPTS |
The maximum number of redemptions was exceeded |
SP |
MAX PAN TRIES |
The maximum number of PAN tries was exceeded |
SR |
ALREADY ISSUED |
The card was already issued |
SS |
NOT ISSUED |
The card was not issued |
T0 |
APPROVAL |
First check is okay and has been converted |
T1 |
CANNOT CONVERT |
Check is okay 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 |
V1 |
FAILURE VM |
Daily threshold exceeded |
Z6 |
FIX INVALID MCC |
Invalid use of MCC |