Authorisation Response Codes

The Gateway uses a set of standard response codes to indicate the status of an authorisation request to the Acquirer. These response codes are based on the 2-character ISO 8583 (1987) response codes.

The full set of ISO 8583 (1987) codes used are given in the table below, however not all are applicable to transactions currently supported by the Gateway and therefore not used and documented for reference purposes only.

Some ISO 8583 (1987) codes are not numeric and therefore to ensure all Gateway response codes are numeric these codes are mapped to an equivalent numeric code greater than 99. This equivalent numeric code is shown in the table below along with the original 2 letter code in brackets.

Not all ISO 8583 (1987) codes are applicable to the types of transactions currently available via the Gateway and therefore unapplicable codes, although documented, may not currently be returned.

If the authorising Acquirer does not return a suitable ISO 8583 (1987) code, then the Gateway will attempt to map the Acquirers response to a suitable code.

The original Acquirer authorisation response code and response message will always be returned in the acquirerResponseCode and acquirerResponseMessage fields as detailed in section 18.

The original Acquirer authorisation response code may not be numeric and information on these codes will need to be requested from the Acquirer.

Acquirer Authorisation Response Codes: 0-9999

Code	Description
0	Successful approval/completion
1	Refer to card issuer
2	Refer to card issuer, special condition
3	Invalid merchant or service provider
4	Pickup card
5	Do not honor
6	Error
7	Pickup card, special condition (other than lost/stolen card)
8	Honor with identification
9	Request in progress
10	Approval for partial amount
11	Approved VIP
12	Invalid transaction
13	Invalid amount (currency conversion field overflow), or amount exceeds maximum for card program
14	Invalid card number/account number
15	No such issuer
16	Approved, Update Track 3
17	Customer cancellation
18	Customer dispute
19	Re-enter transaction
20	Invalid response/Acquirer error
21	No action taken (unable to back out prior transaction)
22	Suspected malfunction
23	Unacceptable transaction
24	File update impossible
25	Reference number cannot be found. Unable to locate record in file, or account number is missing from the inquiry
26	Duplicate reference number
27	Error in reference number
28	File is temporarily unavailable for update
29	File action failed/Contact acquirer
30	Format error
31	Bank not supported by Switch/Unknown acquirer account code
32	Complete partially
33	Pickup card (expired)
34	Pickup card (suspected fraud)
35	Pickup card (acceptor contact acquirer)
36	Pickup card (restricted card)
37	Pickup card (acceptor call acquirer security)
38	Pickup card (PIN tries exceeded)
39	No credit account
40	Function not supported
41	Pickup card (lost card)
42	No universal account
43	Pickup card (stolen card)
44	No investment account
45	Account closed
46	Account closed
47	Identification cross-check required
48	No from account
49	No to account
50	No account
51	Insufficient funds
52	No checking account
53	No savings account
54	Expired card
55	Incorrect PIN
56	Unknown card
57	Transaction not permitted to cardholder
58	Transaction not allowed at terminal
59	Suspected fraud
60	Contact acquirer
61	Exceeds withdrawal amount limit
62	Restricted card (for example, in Country Exclusion table)
63	Security violation
64	Amount higher than previous transaction
65	SCA Required (previously, Exceeds withdrawal limit)
66	Contact acquirer
67	Hard capture - ATM
68	Time out
69	Advice received too late
70	Contact card issuer
71	Message flow error
72	Authorization centre not available for 60 seconds.
73	Authorization centre not available for 300 seconds.
74	PIN entry necessary
75	Allowable number of PIN tries exceeded
76	Unable to locate previous message (no match on Retrieval Reference number)
77	Previous message located for a repeat or reversal, but repeat or reversal data are inconsistent with original message
78	Blocked, first used. The transaction is from a new cardholder, and the card has not been unblocked
79	Already reversed
80	Visa transactions: credit issuer unavailable. Private label and check acceptance: Invalid date
81	PIN cryptographic error found (error found by VIC security module during PIN decryption)
82	Negative CAM, dCVV, iCVV, or CVV results
83	STIP cannot approve
84	Pre-auth time too great
85	No reason to decline a request for account number verification, address verification, CVV2 verification, or a credit voucher or merchandise return
86	Unable to verify PIN
87	Purchase amount only, no cash back allowed
88	Unable to authorise
89	Ineligible to receive
90	Cut-off in progress
91	Issuer unavailable or switch inoperative (STIP not applicable or available for this transaction)
92	Destination cannot be found for routing
93	Transaction cannot be completed, violation of law
94	Duplicate transaction
95	Reconcile error
96	System malfunction
97	Security Breach
98	Date and time not plausible
99	Error in PAC encryption detected
292 (5C)	Transaction not supported/blocked by issuer
341 (6P)	Verification Failure
440 (9G)	Blocked by cardholder/contact cardholder
497 (B1)	Surcharge amount not permitted on Visa cards (U.S. acquirers only)
498 (B2)	Surcharge not supported
893 (M1)	Cannot authorise at this time (Life cycle)
894 (M2)	Cannot authorise at this time (Policy)
895 (M3)	Cannot authorise at this time (Fraud/Security)
928 (N0)	Unable to authorise
931 (N3)	Cash service not available
932 (N4)	Cashback request exceeds issuer limit
933 (N5)	Resubmitted transaction over max days limit
935 (N7)	Decline for CVV2 failure
936 (N8)	Transaction amount greater than pre-authorised approved amount
1002 (P2)	Invalid biller information
1005 (P5)	PIN Change/Unblock request declined
1006 (P6)	Unsafe PIN
1037 (Q1)	Card Authentication failed
1072 (R0)	Stop Payment Order
1073 (R1)	Revocation of Authorization Order
1074 (R3)	Revocation of All Authorizations Order
1144 (T0)	Approval, keep first check
1145 (T1)	Check OK, no conversion
1146 (T2)	Invalid RTTN
1147 (T3)	Amount greater than limit
1148 (T4)	Unpaid items, failed NEG
1149 (T5)	Duplicate check number
1150 (T6)	MICR error
1151 (T7)	Too many checks
1298 (XA)	Forward to issuer
1301 (XD)	Forward to issuer
1363 (Z3)	Unable to go online
1365 (Z5)	Valid account but amount not supported
1366 (Z6)	Invalid use of MCC - correct and reattempt