Error codes / response codes

Error codes / response codes


Action Code (actionCode)

Code Description
0 Approved and completed successfully
1 Refer to card issuer
2 Refer to card issuer, special condition
3 Invalid merchant
4 Pick up card (no fraud)
5 Do not honor
6 Error
7 Pick up card, special condition (fraud account)
10 Partial approval
11 Approved (V.I.P)
12 Invalid transaction
13 Invalid amount or currency conversion field overflow
14 Invalid account number (no such number)
15 No such issuer
19 Re-enter transaction
21 No action taken
25 Unable to locate record in file
28 File temporarily not available for update or inquiry
39 No credit account
41 Lost card, pick up (fraud account)
43 Stolen card, pick up (fraud account)
51 Not sufficient funds
52 No checking account
53 No savings account
54 Expired card or expiration date is missing
55 Incorrect PIN or PIN missing
57 Transaction not permitted to cardholder
58 Transaction not allowed at terminal
59 Suspected fraud
61 Exceeds approval amount limit
62 Restricted card (card invalid in this region or country)
63 Security violation (source is not correct issuer)
64 Transaction does not fulfill AML requirement
65 Exceeds withdrawal frequency limit
70 PIN data required
74 Different value than that used for PIN encryption errors
75 Allowable number of PIN entry tries exceeded
76 Unsolicited reversal
78 “Blocked, first used”—Transaction from new cardholder, and card not properly unblocked
79 Already reversed (by Switch)
80 No financial impact
81 Cryptographic error found in PIN
82 Negative CAM, dCVV, iCVV, or CVV results
85 No reason to decline a request for address verification, CVV2 verification, or a credit voucher or merchandise return
86 Cannot verify PIN; for example, no PVV
89 Ineligible to receive financial position information (GIV)
91 Issuer 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.
92 Financial institution or intermediate network facility cannot be found for routing (receiving institution ID is invalid)
93 Transaction cannot be completed - violation of law
1A Additional customer authentication required
B1 Surcharge amount not permitted on Visa cards or EBT food stamps (U.S. acquirers only)
B2 Surcharge amount not supported by debit network issuer.
N0 Force STIP
N3 Cash service not available
N4 Cash request exceeds issuer or approved limit
N5 Ineligible for resubmission
N7 Decline for CVV2 failure
N8 Transaction amount exceeds preauthorized approval amount
P5 Denied PIN unblock—PIN change or unblock request declined by issuer
P6 Denied PIN change—requested PIN unsafe
Q1 Card Authentication failed
R0 Stop Payment Order
R2 Transaction does not qualify for Visa PIN
R3 Revocation of all authorizations order
Z3 Unable to go online; offline-declined

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