Request and response codes: Card payments
Network Identifications
| Network name | EST Cutoff time |
|---|---|---|
1 | Domestic | |
2 | Accel/Exchange | 15:59:59 |
3 | Interlink | 5:59:59 |
4 | ET | 00:59:59 |
5 | Mastercard/ Maestro | 17:29:59 |
6 | MoneySend | 01:59:59 |
7 | NYCE | 15:29:59 |
8 | PULSE | 00:59:59 |
9 | RPPS | 16:59:59 |
10 | STAR | 17:59:59 |
11 | Visa/Plus | 5:59:59 |
12 | International | |
13 | VisaIntl | |
14 | IntlMasterCard | |
Purpose of payment (PoP) codes
International transactions in the following countries require purposeOfPayment values in the transaction request:
- Argentina
- Bangladesh
- Chile
- Columbia
- Egypt
- India
- Mexico
Code | Description |
|---|---|
ISACCT | Account management |
ISAIRB | Air transport related business |
ISALLW | Transaction is the payment of allowance |
ISANNI | Settlement of annuity |
ISBENE | Unemployment disability benefit |
ISBEXP | Business expenses |
ISBONU | Bonus payment |
ISBUSB | Bus transport related business |
ISCASH | Cash management transfer |
ISCBTV | Payment of cable TV bill |
ISCCHD | Government institute issued related to cash compensation, helplessness, and disability |
ISCCRD | Credit card payment |
ISCDBL | Payment of credit card bill |
ISCHAR | Payment for charity reasons |
ISCOLL | Collection payment |
ISCOMC | Commercial payment |
ISCOMM | Commission |
ISCOMP | Compensation relating to interest loss / value date adjustment and can include fees |
ISCPYR | Payment of copyright |
ISDCRD | Related to a debit card payment |
ISDEPT | Payment of a deposit |
ISDIVD | Payment of dividend |
ISEDUC | Payment of study / tuition fees |
ISELEC | Payment of electricity bill |
ISENRG | Energies |
ISFEES | General fees |
ISFERB | Payment for ferry related business |
ISFREX | Foreign exchange |
ISGASB | Payment of gas bill |
ISGFRP | Compensation to unemployed persons during insolvency procedures |
ISGOVT | Government payment |
ISHLTI | Health insurance |
ISICCP | Reimbursement of credit card payment |
ISIDCP | Reimbursement of debit card payment |
ISINPC | Payment of car insurance premium |
ISINSC | Transaction is related to the payment of an insurance claim |
ISINSM | Installment |
ISINSU | Insurance premium |
ISINVS | Payment of mutual funds, investment products and shares |
ISINTC | Intra-company payment |
ISINTE | Interest |
ISINTX | Income tax |
ISINVS | Investment |
ISLBRI | Labor insurance |
ISLICF | License fee |
ISLIFI | Life insurance |
ISLOAN | Loan |
ISMDCS | Medical services |
ISMP2B | Mobile P2B payment |
ISMP2P | Mobile P2P payment |
ISMTUP | Mobile top up |
ISNOWS | Not otherwise specified |
ISOTHR | Other |
ISOTLC | Transaction is related to a payment of another telecom-related bill |
ISPAYR | Payroll |
ISPEFC | Contribution to pension fund |
ISPENS | Pension payment |
ISPHON | Payment of telephone bill |
ISPPTI | Property insurance |
ISRELG | Transaction is for general rental / lease |
ISPENS | The payment of rent |
ISRLWY | Payment for railway transport related business |
ISROYA | Royalties |
ISSALA | Salary payment |
ISSAVG | Payment to savings / retirement account |
ISSECU | Securities |
ISSSBE | Social security benefit |
ISSTDY | Study |
ISSUBS | Subscription |
ISSUPP | Supplier payment |
ISTAXR | Refund of a tax payment or obligation |
ISTAXS | Tax payment |
ISTBIL | Transaction is related to a payment of telecommunications related bill |
ISTRAD | Trade services operation |
ISTREA | Treasury payment |
ISTRPT | Payment for travel |
ISUBIL | Utility bill payment |
ISVATX | Value added tax payment |
ISWHLD | Withholding |
ISWTER | Payment of water bill |
Card issuer response codes table
When adding a card the the following response code will be received in the response body.
Combined response codes from Visa and Mastercard networks. These are primarily ISO 8583 standard codes used across card payment networks. Some codes are not supported by some networks. The checkmark indicates if this code is one that is returned by either Visa or MC.
Code | Description | Category | Suggested Action | Visa | MC | ISO 8583 |
|---|---|---|---|---|---|---|
00 | Approved | Approval | | ✓ | ✓ | ✓ |
01 | Refer to card issuer | Referral | | ✓ | ✓ | ✓ |
02 | Refer to card issuers special conditions | Referral | | ✓ | | ✓ |
03 | Invalid merchant | Decline - Card | Do not try the transaction again immediately. Contact: [email protected]. | ✓ | ✓ | ✓ |
04 | Pickup | Decline - Card | Trying again is not permitted with the same PAN or token. Ask for an alternate payment method from the customer and/or advise the cardholder to contact their issuer. | ✓ | ✓ | ✓ |
05 | Do not honor | Decline - Card | Advise the cardholder to contact their issuer. | ✓ | ✓ | ✓ |
06 | General error | System | | ✓ | | ✓ |
07 | Pickup card, special conditions | Decline - Card | | ✓ | | ✓ |
08 | Honor with identification | Approval | | | ✓ | ✓ |
09 | Request in progress | System | | | | ✓ |
10 | Partial amount approved | Approval | | ✓ | ✓ | ✓ |
11 | VIP approval | Approval | | ✓ | | ✓ |
12 | Invalid transaction | Decline - Transaction | Trying again is not permitted. Check for potential fraud or issues with the merchant terminal. 1) Review these fields for possible failure conditions: CVV or Card Authorization Result 2) Check for potential fraud. | ✓ | ✓ | ✓ |
13 | Invalid amount (currency conversion field overflow) or amount exceeds maximum for card program | Decline - Transaction | | ✓ | ✓ | ✓ |
14 | Invalid account number (no such number) | Decline - Card | Trying again is not permitted with the same PAN or token. 1) Check card details or reauthorize the card. 2) Check for potential fraud | ✓ | ✓ | ✓ |
15 | No such issuer | Decline - Card | 1. Trying again is not allowed with the same PAN or token. 2. Check the account number again for accuracy. 3. Check for potential fraud | ✓ | ✓ | ✓ |
16 | Approved, update track 3 | Approval | | | | ✓ |
17 | Customer cancellation | System | | | | ✓ |
18 | Customer dispute | System | | | | ✓ |
19 | Re-enter transaction | System | | ✓ | | ✓ |
20 | Invalid response | System | | | | ✓ |
21 | No action taken | System | | ✓ | | ✓ |
22 | Suspected malfunction | System | | | | ✓ |
23 | Unacceptable transaction fee | Decline - Transaction | | | | ✓ |
24 | File update not supported by receiver | System | | | | ✓ |
25 | Unable to locate record on file | System | | ✓ | | ✓ |
26 | Duplicate file update record, old record replaced | System | | | | ✓ |
27 | File update field edit error | System | | | | ✓ |
28 | File is temporarily unavailable | System | | ✓ | | ✓ |
29 | File update not successful, contact acquirer | System | | | | ✓ |
30 | Format error | System | Contact: [email protected]. | | ✓ | ✓ |
31 | Bank not supported | System | Contact: [email protected]. | | | ✓ |
32 | Completed partially | Approval | | | | ✓ |
33 | Expired card | Decline - Card | | | | ✓ |
34 | Suspected fraud | Decline - Security | | | | ✓ |
35 | Card acceptor, contact acquirer | Decline - Transaction | | | | ✓ |
36 | Restricted card | Decline - Card | | | | ✓ |
37 | Card acceptor, call acquirer security | Decline - Security | | | | ✓ |
38 | Allowed PIN - tries exceeded | Decline - Security | | | | ✓ |
39 | No credit account | Decline - Card | | ✓ | | ✓ |
40 | Requested function not supported | Decline - Transaction | Contact: [email protected]. | | | ✓ |
41 | Merchant should retain card (card reported lost) | Decline - Card | | ✓ | ✓ | ✓ |
42 | No universal account | Decline - Card | | | | ✓ |
43 | Merchant should retain card (card reported stolen) | Decline - Card | Trying again is not permitted with the same PAN or token. Ask for an alternate payment method from the customer and/or advise the cardholder to contact their issuer. | ✓ | ✓ | ✓ |
46 | Closed account | Decline - Card | | ✓ | | ✓ |
51 | Insufficient funds | Decline - Funds | Merchant can try again for a lesser amount, or they can try again later. This allows the cardholder to fund their debit account or pay down their credit account. Merchants can reduce NSF declines by implementing the Partial Authorization service. | ✓ | ✓ | ✓ |
52 | No checking account | Decline - Funds | Advise the cardholder to contact their issuer. | ✓ | | ✓ |
53 | No savings account | Decline - Funds | | ✓ | | ✓ |
54 | Expired card | Decline - Card | 1) Check the expiration date before trying again. 2) Look out for potential fraud happening through repeated attempts or from suspicious activity. | ✓ | ✓ | ✓ |
55 | Incorrect PIN | Decline - Security | 1. Try again with a valid value (re-enter PIN). 2. Retry failed transactions as non-PIN, if possible (POS). | ✓ | ✓ | ✓ |
56 | No card record | Decline - Card | | | | ✓ |
57 | Transaction not permitted for cardholder | Decline - Card | Trying again is not permitted with the same PAN or token. Ask for an alternate payment method from the customer and/or advise the cardholder to contact their issuer. | ✓ | ✓ | ✓ |
58 | Transaction not allowed at terminal | Decline - Transaction | Contact: [email protected]. | ✓ | ✓ | ✓ |
59 | Suspected fraud | Decline - Security | Advise the cardholder to contact their issuer. Try again with the same PAN or token after the cardholder confirms. | ✓ | | ✓ |
61 | Activity amount limit exceeded | Decline - Funds | To allow the limits to reset, don't retry the transaction the same day. Advise the cardholder to call their issuing bank to find out the limit and reason for the decline. | ✓ | ✓ | ✓ |
62 | Restricted card - for example, in country exclusion table | Decline - Card | We don't recommend trying again immediately with the same PAN or token. Try again after the customer confirms the restriction has been removed. | ✓ | ✓ | ✓ |
63 | Security violation | Decline - Security | | ✓ | ✓ | ✓ |
64 | Transaction does not fulfill AML requirement | Decline - Security | | ✓ | | ✓ |
65 | Activity count limit exceeded | Decline - Funds | To allow the limits to reset, don't try the transaction again the same day. Advise the cardholder to contact their issuer. | ✓ | ✓ | ✓ |
68 | Response received too late | System | | | | ✓ |
70 | PIN data required | Decline - Security | | ✓ | ✓ | ✓ |
71 | PIN Not Changed | Decline - Security | | | ✓ | ✓ |
74 | Different value than that used for PIN encryption errors | Decline - Security | | ✓ | | ✓ |
75 | Allowable number of PIN entry tries exceeded | Decline - Security | 1) Try again with a valid value (re-enter PIN). 2) If possible, retry failed transactions as non-PIN. | ✓ | ✓ | ✓ |
76 | Unable to locate previous message (no match on retrieval reference) | System | | ✓ | ✓ | ✓ |
77 | Previous message located for a repeat or reversal, but data is inconsistent with original message | System | | | ✓ | ✓ |
78 | "Blocked, first used" (transaction is from a new card and the card wasn't properly unblocked) | Decline - Card | If the cardholder confirms that the card has been activated or reactivated, the merchant can try the transaction again. | ✓ | ✓ | ✓ |
79 | Already reversed (by Switch) | System | | ✓ | ✓ | ✓ |
80 | Visa transactions: credit issuer unavailable - private label and check acceptance: invalid date | System | | ✓ | ✓ | ✓ |
81 | PIN cryptographic error found (error found by VIC security module during PIN decryption) | Decline - Security | | ✓ | ✓ | ✓ |
82 | Negative CAM, dCVV, iCVV, or CVV results | Decline - Security | Track attempts for potential fraud and check verification values. Focus on CVV. | ✓ | ✓ | ✓ |
83 | Unable to verify PIN | Decline - Security | | | ✓ | ✓ |
84 | Invalid Authorization Life Cycle | Decline - Transaction | | | ✓ | ✓ |
85 | No reason to decline a request for account number verification, address verification, CVV2 verification or a credit voucher or merchandise return | Approval | | ✓ | ✓ | ✓ |
86 | Cannot verify PIN | Decline - Security | | ✓ | ✓ | ✓ |
87 | Purchase Amount Only, No Cash Back Allowed | Decline - Transaction | | | ✓ | ✓ |
88 | Cryptographic failure | Decline - Security | | | ✓ | ✓ |
89 | Ineligible to receive financial position information | System | | ✓ | ✓ | ✓ |
90 | Cutoff is in progress | System | | | ✓ | ✓ |
91 | Issuer unavailable or switch inoperative (STIP not applicable or available for this transaction) | System | In these cases, don't attempt to retry the transaction. Instead, wait until the next day and check the status in the daily settlement file. Contact: [email protected]. | ✓ | ✓ | ✓ |
92 | Destination can't be found for routing | System | Trying again immediately with the same PAN or token is not allowed. Try again after the customer confirms the restriction has been removed. | ✓ | ✓ | ✓ |
93 | Transaction can't be completed, violation of law | Decline - Transaction | | ✓ | | ✓ |
94 | Duplicate transmission | System | | ✓ | ✓ | ✓ |
95 | Reconcile error | System | | | | ✓ |
96 | System malfunction, or certain field error conditions | System | Contact: [email protected]. | ✓ | ✓ | ✓ |
1A | Additional customer authentication required | Decline - Security | | ✓ | | |
1Z | Authorization System or issuer system inoperative | System | | | ✓ | |
5C | Transaction not supported/blocked by issuer | Decline - Transaction | | ✓ | | |
6P | Verification data failed | Decline - Security | | ✓ | | |
9G | Blocked by cardholder/contact cardholder | Decline - Card | | ✓ | | |
B1 | Surcharge amount not permitted on Visa cards (US acquirers only) | Payment Control | | ✓ | | |
B2 | Surcharge amount not supported by debit network issuer | Payment Control | | ✓ | | |
N0 | Force STIP | System | | ✓ | | |
N2 | Transaction does not qualify for Visa PIN | Decline - Transaction | | ✓ | | |
N3 | Cash service not available | System | | ✓ | | |
N4 | Cashback request exceeds issuer limit | Decline - Funds | | ✓ | | |
N5 | Ineligible for resubmission | System | | ✓ | | |
N7 | Decline for CVV2 failure | Decline - Security | | ✓ | | |
N8 | Transaction amount exceeds preauthorized approval amount | Decline - Transaction | | ✓ | | |
P2 | Invalid biller information | Decline - Transaction | | | | |
P5 | PIN change/unblock request declined | Decline - Security | | ✓ | | |
P6 | Unsafe PIN | Decline - Security | | ✓ | | |
Q1 | Card authentication failed | Decline - Security | | ✓ | | |
R0 | Stop payment order | Payment Control | | ✓ | | |
R1 | Revocation of authorization order | Payment Control | | ✓ | | |
R3 | Revocation of all authorization orders | Payment Control | | ✓ | | |
XA | Forward to issuer | Referral | | | | |
XD | Forward to issuer | Referral | | | | |
Z3 | Unable to go online | System | | ✓ | | |