Response Codes

ISO Response Code

ISO Response Message

Suggested Client Message

0

Approved or completed successfully

Success

1

Refer To Card Issuer Client Contact Issuing Bank

Please contact your bank

2

Refer To Card Issuer

Please contact your bank

3

Invalid Merchant

Please contact your bank

4

Pick-Up Card

Please contact your bank

5

Do Not Honour

Please contact your bank

6

Error

Please contact your bank

7

Pick-Up Card, Special Condition

Please contact your bank

9

Request In Progress

Please contact your bank

10

Invalid Transaction

Please contact your bank

11

Invalid Transaction

Please contact your bank

12

Invalid Transaction

Please contact your bank

13

Invalid Amount

Please contact your bank

14

Invalid Card Number

Please contact your bank

15

No Such Issuer

Please contact your bank

17

Operator Cancelled

Please contact your bank

18

Customer Dispute

Please contact your bank

19

Re Enter Transaction

Please contact your bank

21

No action taken

Please contact your bank

22

Suspected Malfunction

Please contact your bank

23

Unacceptable Transaction Fee

Please contact your bank

24

File Update Not Supported

Please contact your bank

25

Unable To Locate Record

Please contact your bank

26

Duplicate Record

Please contact your bank

27

File Update Edit Error

Please contact your bank

28

File Update File Locked

Please contact your bank

30

File Update Failed

Please contact your bank

31

Bank Not Supported

Please contact your bank

32

Completed Partially

Success

33

Expired Card, Pick-Up

Expired Card

34

Suspected Fraud, Pick-Up

Please contact your bank

35

Contact Acquirer, Pick-Up

Please contact your bank

36

Restricted Card, Pick-Up

Please contact your bank

39

No Credit Account

Please contact your bank

40

Function Not Supported

Please contact your bank

41

Lost Card (Contact Bank)

Please contact your bank

42

No Universal Account

Please contact your bank

43

Stolen Card

Please contact your bank

51

Insufficient Funds

Insufficient Funds

52

No Check Account

Invalid Account

53

No Savings Account

Invalid Account

54

Expired Card (Contact Bank)

Expired Card

55

Incorrect PIN

Incorrect Bank Card PIN

56

No Card Record

Invalid Card

57

Transaction Not Permitted To Cardholder

Please contact your bank

59

Suspected Fraud

Please contact your bank

60

Contact Acquirer

Please contact your bank

61

Exceeds Withdrawal Limit

Limit exceeded, please increase your online purchase limit

62

Restricted Card

Please contact your bank

63

Security Violation

Please contact your bank

64

Original Amount Incorrect

Please contact your bank

65

Exceeds Withdrawal Frequency

Please contact your bank

67

Hard Capture

Please contact your bank

68

Response Received Too Late

Please try again later. If the issue persists, contact your bank

75

PIN Tries Exceeded

Please contact your bank

76

Approved Country Club

Please contact your bank

77

Intervene, Bank Approval Required

Please contact your bank

78

Intervene, Bank Approval Required

Please contact your bank

79

Approved Administrative Transaction

Please contact your bank

80

Approved National Negative File Hit OK

Please contact your bank

82

No Security Module

Please contact your bank

83

Maximum Refund credit Limit exceeded

Please contact your bank

85

PBF Update Error

Please contact your bank

87

Bad Track 2

Please contact your bank

88

PTLF Error

Please contact your bank

89

Invalid Route Service

Please contact your bank

90

Cut-Off In Progress

Please contact your bank

91

Issuer Or Switch Inoperative

Your bank is unavailable

93

Violation Of Law

Please contact your bank

94

Duplicate Transaction

Please contact your bank

96

Communication System Malfunction

Please contact your bank

97

Communication Error, Cannot Connect To Internet

Please contact your bank

98

Exceeds Cash Limit

Please contact your bank

A0

Invalid Terminal

There is an error in processing your payment, please contact your bank

A1

No Events Available

There is an error in processing your payment, please contact your bank

A2

No Breakdown Levels Available

There is an error in processing your payment, please contact your bank

A3

Authorization Unsuccessful - Insufficient Inventory

There is an error in processing your payment, please contact your bank

A4

Authorization Unsuccessful - Could Not Locate Inventory

There is an error in processing your payment, please contact your bank

A5

Advice Unsuccessful - Invalid Transaction ID

There is an error in processing your payment, please contact your bank

A7

Advice Unsuccessful - Velocity Lines Exceeded

There is an error in processing your payment, please contact your bank

A9

Routing Error

There is an error in processing your payment, please contact your bank

AA

Message Decode Error

There is an error in processing your payment, please contact your bank

AB

System Malfunction

There is an error in processing your payment, please contact your bank

AC

Response Received Too Late

There is an error in processing your payment, please contact your bank

AD

Refer to extended response code in message

There is an error in processing your payment, please contact your bank

AE

Message Sequence Error.

There is an error in processing your payment, please contact your bank

AF

Gateway Authorization Failure

There is an error in processing your payment, please contact your bank

B0

Functionality Not Supported

There is an error in processing your payment, please contact your bank

B1

Invalid Issue Confirmation Reference B2, No Reconciliation Entries Found

There is an error in processing your payment, please contact your bank

N0

Unable To Authorise / Card Type Incorrect I.E. Credit Not Debit Please Redo As Correct Type

The card number you provided is invalid according to your bank, please try again

N1

Invalid PAN Length

The card number you provided is invalid according to your bank, please try again

N2

Preauthorisation Full

There is an error in processing your payment, please contact your bank

N3

Maximum Online Refund Reached

There is an error in processing your payment, please contact your bank

N4

Maximum Off-Line Refund Reached

There is an error in processing your payment, please contact your bank

N6

Maximum Refund Credit Reached

There is an error in processing your payment, please contact your bank

N7

Customer Selected Negative File Reason

There is an error in processing your payment, please contact your bank

N8

Over Floor Limit

There is an error in processing your payment, please contact your bank

N9

Maximum Number Refund Credits

There is an error in processing your payment, please contact your bank

O1

NEG File Problem

There is an error in processing your payment, please contact your bank

O2

Advance Less Than Minimum

There is an error in processing your payment, please contact your bank

O3

Delinquent

There is an error in processing your payment, please contact your bank

O4

Over Limit Table

There is an error in processing your payment, please contact your bank

O5

PIN Required

The PIN number you provided is incorrect, please enter your ATM Bank PIN number on your App

O6

Mod 10 Check

The card number you provided is invalid according to your bank, please try again

O7

Force Post

There is an error in processing your payment, please contact your bank

O8

Bad PBF

There is an error in processing your payment, please contact your bank

P0

CAF Problem

There is an error in processing your payment, please contact your bank

P1

Over Daily Limit

There is an error in processing your payment, please contact your bank

P2

CAPF Not Found

There is an error in processing your payment, please contact your bank

P3

Advance Less Than Minimum

There is an error in processing your payment, please contact your bank

P4

Number Of Times Used

There is an error in processing your payment, please contact your bank

P5

Delinquent

There is an error in processing your payment, please contact your bank

P6

Over Limit Table

There is an error in processing your payment, please contact your bank

P7

Advance Less Than Minimum

There is an error in processing your payment, please contact your bank

P8

Administrative Card Needed

There is an error in processing your payment, please contact your bank

P9

Enter Lesser Amount

Limit exceeded, please increase your online purchase limit on your Banking App, Internet Banking or nearest Branch

Q0

Invalid Transaction Date

There is an error in processing your payment, please contact your bank

Q1

Invalid Expiration Date

There is an error in processing your payment, please contact your bank

Q3

Advance Less Than Minimum

There is an error in processing your payment, please contact your bank

Q4

Number Of Times Used

There is an error in processing your payment, please contact your bank

Q5

Delinquent

There is an error in processing your payment, please contact your bank

Q6

Over Limit Table

There is an error in processing your payment, please contact your bank

Q7

Amount Over Maximum

There is an error in processing your payment, please contact your bank

Q8

Administrative Card Not Found

There is an error in processing your payment, please contact your bank

Q9

Administrative Card Not Allowed

There is an error in processing your payment, please contact your bank

R0

Approved Administrative Request -In Window

There is an error in processing your payment, please contact your bank

R1

Approved Administrative Request -Out Of Window

There is an error in processing your payment, please contact your bank

R2

Approved Administrative Request -Anytime

There is an error in processing your payment, please contact your bank

R3

Chargeback-Customer File Updated

There is an error in processing your payment, please contact your bank

R4

Chargeback-Customer File Updated -Acquirer Not Found

There is an error in processing your payment, please contact your bank

R5

Chargeback-Incorrect Prefix Number

There is an error in processing your payment, please contact your bank

R7

Administrative Transactions Not Supported

There is an error in processing your payment, please contact your bank

R8

Card On National Negative File

There is an error in processing your payment, please contact your bank

S4

PTLF Full

There is an error in processing your payment, please contact your bank

S5

Chargeback-Approved, Customer File Not Updated

There is an error in processing your payment, please contact your bank

S6

Chargeback-Approved, Customer File Not Updated, Acquirer Not Found

There is an error in processing your payment, please contact your bank

S7

Chargeback-Accepted, Incorrect Destination

There is an error in processing your payment, please contact your bank

S8

ADMN File Problem

There is an error in processing your payment, please contact your bank

S9

Unable To Validate PIN

There is an error in processing your payment, please contact your bank

T1

Invalid Credit Card Advance Amount

There is an error in processing your payment, please contact your bank

T2

Invalid Transaction Date

There is an error in processing your payment, please contact your bank

T3

Card Not Supported

Your bank is not supported for this service

T4

Amount Over Maximum

There is an error in processing your payment, please contact your bank

T5

CAF Status = 0 Or 9

There is an error in processing your payment, please contact your bank

T6

Bad UAF

There is an error in processing your payment, please contact your bank

T7

Cash Back Exceeds Daily Limit

There is an error in processing your payment, please contact your bank

T8

Multiple Invalid Required Fields

There is an error in processing your payment, please contact your bank