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 |
Updated 4 months ago
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