Card issuer response codes

Card networks return response codes to approve or decline a transaction. They follow the standards set by the International Organization for Standardization (ISO) 8583:1987, which defines a specific message format so that different systems can communicate. Every network can adapt the standard for their own use.

Card issuer response codes

Reason codeDescription
00Approved.
01Refer to card issuer.
02Refer to card issuers special conditions.
03Invalid merchant.
04Pickup.
05Do not honor.
06General error.
07Pickup card, special conditions.
08Honor with identification.
09Request in progress.
10Partial amount approved.
11VIP approval.
12Invalid transaction.
13Invalid amount (currency conversion field overflow) or amount exceeds maximum for card program.
14Invalid account number (no such number).
15No such issuer.
16Approved, update track 3.
17Customer cancellation.
18Customer dispute.
19Re-enter transaction.
20Invalid response.
21No action taken.
22Suspected malfunction.
23Unacceptable transaction fee.
24File update not supported by receiver.
25Unable to locate record on file.
26Duplicate file update record, old record replaced.
27File update field edit error.
28File is temporarily unavailable.
29File update not successful, contact acquirer.
30Format error.
31Bank not supported.
32Completed partially.
33Expired card.
34Suspected fraud.
35Card acceptor, contact acquirer.
36Restricted card.
37Card acceptor, call acquirer security.
38Allowed PIN. Tries exceeded.
39No credit account.
40Requested function not supported.
41Merchant should retain card (card reported lost).
42No universal account.
43Merchant should retain card (card reported stolen).
51Insufficient funds.
52No checking account.
53No savings account.
54Expired card.
55Incorrect PIN.
56No card record.
57Transaction not permitted for cardholder.
58Transaction not allowed at terminal.
59Suspected fraud.
61Activity amount limit exceeded.
62Restricted card.
For example, in country exclusion table.
63Security violation.
65Activity count limit exceeded.
68Response received too late.
75Allowable number of PIN entry tries exceeded.
76Unable to locate previous message (no match on retrieval reference).
77Previous message located for a repeat or reversal, but data is inconsistent with original message.
78"Blocked, first used" (transaction is from a new card and the card wasn't properly unblocked).
80Visa transactions: credit issuer unavailable. Private label and check acceptance: invalid date.
81PIN cryptographic error found (error found by VIC security module during PIN decryption).
82Negative CAM, dCVV, iCVV, or CVV results.
83Unable to verify PIN.
85No reason to decline a request for account number verification, address verification, CVV2 verification or a credit voucher or merchandise return.
91Issuer unavailable or switch inoperative (STIP not applicable or available for this transaction).
92Destination can't be found for routing.
93Transaction can't be completed, violation of law.
94Duplicate transmission.
95Reconcile error.
96System malfunction, or certain field error conditions.
B1Surcharge amount not permitted on Visa cards (US acquirers only).
N0Force STIP.
N3Cash service not available.
N4Cashback request exceeds issuer limit.
N7Decline for CVV2 failure.
P2Invalid biller information.
P5PIN change/unblock request declined.
P6Unsafe PIN.
Q1Card authentication failed.
R0Stop payment order.
R1Revocation of authorization order.
R3Revocation of all authorization orders.
XAForward to issuer.
XDForward to issuer.
Z3Unable to go online.