Error codes / response codes

      Error codes / response codes

        Article Summary

        Action Code (actionCode)

        0Approved and completed successfully
        1Refer to card issuer
        2Refer to card issuer, special condition
        3Invalid merchant
        4Pick up card (no fraud)
        5Do not honor
        7Pick up card, special condition (fraud account)
        10Partial approval
        11Approved (V.I.P)
        12Invalid transaction
        13Invalid amount or currency conversion field overflow
        14Invalid account number (no such number)
        15No such issuer
        19Re-enter transaction
        21No action taken
        25Unable to locate record in file
        28File temporarily not available for update or inquiry
        39No credit account
        41Lost card, pick up (fraud account)
        43Stolen card, pick up (fraud account)
        51Not sufficient funds
        52No checking account
        53No savings account
        54Expired card or expiration date is missing
        55Incorrect PIN or PIN missing
        57Transaction not permitted to cardholder
        58Transaction not allowed at terminal
        59Suspected fraud
        61Exceeds approval amount limit
        62Restricted card (card invalid in this region or country)
        63Security violation (source is not correct issuer)
        64Transaction does not fulfill AML requirement
        65Exceeds withdrawal frequency limit
        70PIN data required
        74Different value than that used for PIN encryption errors
        75Allowable number of PIN entry tries exceeded
        76Unsolicited reversal
        78“Blocked, first used”—Transaction from new cardholder, and card not properly unblocked
        79Already reversed (by Switch)
        80No financial impact
        81Cryptographic error found in PIN
        82Negative CAM, dCVV, iCVV, or CVV results
        85No reason to decline a request for address verification, CVV2 verification, or a credit voucher or merchandise return
        86Cannot verify PIN; for example, no PVV
        89Ineligible to receive financial position information (GIV)
        91Issuer or switch inoperative and STIP not applicable or not available for this transaction; Time-out when no stand-in; POS Check Service: Destination unavailable; Credit Voucher and Merchandise Return Authorizations: V.I.P. sent the transaction to the issuer, but the issuer was unavailable.
        92Financial institution or intermediate network facility cannot be found for routing (receiving institution ID is invalid)
        93Transaction cannot be completed - violation of law
        1AAdditional customer authentication required
        B1Surcharge amount not permitted on Visa cards or EBT food stamps (U.S. acquirers only)
        B2Surcharge amount not supported by debit network issuer.
        N0Force STIP
        N3Cash service not available
        N4Cash request exceeds issuer or approved limit
        N5Ineligible for resubmission
        N7Decline for CVV2 failure
        N8Transaction amount exceeds preauthorized approval amount
        P5Denied PIN unblock—PIN change or unblock request declined by issuer
        P6Denied PIN change—requested PIN unsafe
        Q1Card Authentication failed
        R0Stop Payment Order
        R2Transaction does not qualify for Visa PIN
        R3Revocation of all authorizations order
        Z3Unable to go online; offline-declined

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