|
|
|
|
|
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 or Pick Up Card |
Pick up card (no fraud) |
05 |
Decline |
Do not honor |
06 |
Error XXXX |
|
06* |
(Check Service Custom Text) |
Error response text from check service |
07 |
Hold-call or Pick Up Card |
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 |
28 |
No Reply |
File is temporarily unavailable |
30 |
Format Error |
Discover format error |
34 |
Transaction Canceled |
MasterCard use only, Transaction Canceled; Fraud Concern (Used in reversal requests only) |
39 |
No Credit Acct |
No credit account |
41 |
Hold-call or Pick Up Card |
Lost card, pick up (fraud account) |
43 |
Hold-call or Pick Up Card |
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 |
Serv not allowed |
Transaction not permitted-Merchant |
61 |
Declined |
Exceeds withdrawal limit |
62 |
Declined |
Invalid service code, restricted |
63 |
Sec Violation |
Security violation |
65 |
Declined |
Activity limit exceeded |
75 |
PIN Exceeded |
PIN tried exceeded |
76 |
Unsolicated Reversal |
Unable to locate, no match |
77 |
No Action Taken |
Inconsistent data, reversed, or repeat |
78 |
No Account |
No account |
79 |
Already Reversed |
Already reversed at switch |
80 |
Date Error |
Invalid date |
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 |
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 |
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 |
Domain Restriction Controls Failure |
Mobile transactions must include a data indicator for Discover tokenized MITs or the transaction will be declined. |
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 |
Invalid BIN/KSI combination |
Invalid BIN/KSI combination |
H2 |
Missing PIN block |
PIN information is missing |
H3 |
Invalid KSN or unable to determine KSI |
Invalid KSN or unable to determine KSI |
H4 |
HSM unavailable |
Timeout |
H5 |
HSM unavailable |
TCP\IP error |
H6 |
Encryption Error |
PIN pad encryption information for debit transaction received an error. |
H7 |
BIN/ZKI not found |
BIN/ZKI not found |
H8 |
HSM Sanity Check |
HSM Sanity Check |
H9 |
Unable to decrypt/re-encrypt PIN |
Unable to decrypt/re-encrypt PIN |
HV |
Failure HV |
Hierarchy Verification Error |
K0 |
TOKEN RESPONSE |
Token request was processed |
K1 |
TOKEN NOT CONFIGD |
Tokenization is not configured |
K2 |
TERM NOT AUTHENT |
Terminal is not authenticated |
K3 |
TOKEN FAILURE |
Data could not be de-tokenized |
N3 |
Cashback Not Avl |
Cash back service not available |
N4 |
Decline |
Exceeds issuer withdrawal limit |
N7 |
CCV2 Mismatch |
CVV2 Value supplied is invalid |
R0 |
Stop recurring |
Customer requested stop of specific recurring payment |
R1 |
Stop recurring |
Customer requested stop of all recurring payments from specific merchant |
RT |
SEND TXN AGAIN |
Send the original transaction again. First transaction was not received and could not be reversed. |
T0 |
Approval |
First check is OK and has been converted |
T1 |
Cannot Convert |
Check is OK but cannot be converted Note: 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 |
Duplicate check number |
T6 |
MICR Error |
MICR error |
T7 |
Too Many Checks |
Too many checks (over merchant or bank limit) |
V1 |
Failure VM |
Daily threshold exceeded |