This field contains a two-character response code indicating the status of the authorization request. Evaluate the response code, not the response text, to determine the nature of a response. Not all non-approved codes indicate a decline.
| Response code | Authorization response message | Response definition |
|---|---|---|
00 | APPROVAL | Approved and completed |
01 | CALL | Refer to issuer |
02 | CALL | Refer to issuer — special condition |
03 | TERM ID ERROR | Invalid merchant ID |
04 | HOLD-CALL | Pick up card (no fraud) |
05 | DECLINE | Do not honor |
06 | ERROR | General error |
07 | HOLD-CALL | Pick up card, special condition (fraud account) |
08 | APPROVAL | Honor Mastercard with ID |
10 | PARTIAL APPROVAL | Partial approval for the authorized amount returned in Group III version 022 |
11 | APPROVAL | VIP approval |
12 | INVALID TRANS | Invalid transaction |
13 | AMOUNT ERROR | Invalid amount |
14 | CARD NO. ERROR | Invalid card number |
15 | NO SUCH ISSUER | No such issuer |
19 | RE ENTER | Re-enter transaction |
21 | NO ACTION TAKEN | Unable to back out transaction |
25 | NO CARD NUMBER | Unable to locate the account number |
28 | NO REPLY | File is temporarily unavailable |
30 | MSG FORMAT ERROR | Transaction was improperly formatted |
39 | NO CREDIT ACCT | No credit account |
41 | HOLD-CALL | Lost card, pick up (fraud account) |
43 | HOLD-CALL | Stolen card, pick up (fraud account) |
46 | CLOSED ACCOUNT | Closed account |
51 | DECLINE | Insufficient funds |
52 | NO CHECK ACCOUNT | No checking account |
53 | NO SAVE ACCOUNT | No savings account |
54 | EXPIRED CARD | Expired card |
55 | WRONG PIN | Incorrect PIN |
57 | SERV NOT ALLOWED | Transaction not permitted — card |
58 | SERV NOT ALLOWED | Transaction not permitted — terminal |
59 | SUSPECTED FRAUD | Suspected fraud |
61 | EXC APPR AMT LIM | Exceeds approval amount limit |
62 | DECLINE | Invalid service code, restricted |
63 | SEC VIOLATION | Security violation |
65 | EXC W/D FREQ LIM | Exceeds withdrawal frequency limit |
6P | VERIF DATA FAILD | Verification data failed |
75 | PIN EXCEEDED | Allowable number of PIN-entry tries exceeded |
76 | UNSOLIC REVERSAL | Unable to locate, no match |
77 | NO ACTION TAKEN | Inconsistent, reversed, or repeat data |
78 | NO ACCOUNT | Blocked, first use — new cardholder not activated |
79 | ALREADY REVERSED | Already reversed at switch |
80 | NO IMPACT | No financial impact (used in reversal responses to decline originals) |
81 | ENCRYPTION ERROR | Cryptographic error |
82 | INCORRECT CVV | CVV data is not correct; or offline PIN authentication interrupted |
83 | CANT VERIFY PIN | Cannot verify PIN |
85 | CARD OK | No reason to decline |
86 | CANT VERIFY PIN | Cannot verify PIN |
91 | NO REPLY | Issuer or switch is unavailable |
92 | INVALID ROUTING | Destination not found |
93 | DECLINE | Violation, cannot complete |
94 | DUPLICATE TRANS | Unable to locate, no match |
96 | SYSTEM ERROR | System malfunction |
A1 | ACTIVATED | POS device authentication successful |
A2 | NOT ACTIVATED | POS device authentication not successful |
A3 | DEACTIVATED | POS device deactivation successful |
A8 | INVALID REGION CODE | Region code not valid |
A9 | INVALID COUNTRY CODE | Country code not valid |
B1 | SRCHG NOT ALLOWD | Surcharge amount not permitted on debit cards or EBT food stamps |
B2 | SRCHG NOT ALLOWD | Surcharge amount not supported by debit network issuer |
CV | FAILURE CV | Card type verification error |
D3 | SECUR CRYPT FAIL | Transaction failure due to missing or invalid 3D-Secure cryptogram |
E1 | ENCR NOT CONFIGD | Encryption is not configured |
E2 | TERM NOT AUTHENT | Terminal is not authenticated |
E3 | DECRYPT FAILURE | Data could not be decrypted |
EA | ACCT LENGTH ERR | Verification error |
EB | CHECK DIGIT ERR | Verification error |
EC | CID FORMAT ERROR | Verification error |
H1 | SERV NOT ALLOWED | Contact Merchant Services/Technical Support |
H2 | SERV NOT ALLOWED | Contact Merchant Services/Technical Support |
H3 | SERV NOT ALLOWED | Contact Merchant Services/Technical Support |
H4 | SERV NOT ALLOWED | Contact Merchant Services/Technical Support |
H5 | SERV NOT ALLOWED | Contact Merchant Services/Technical Support |
H6 | SERV NOT ALLOWED | Contact Merchant Services/Technical Support |
H7 | SERV NOT ALLOWED | Contact Merchant Services/Technical Support |
H8 | SERV NOT ALLOWED | Contact Merchant Services/Technical Support |
H9 | SERV NOT ALLOWED | Contact Merchant Services/Technical Support |
HV | FAILURE HV | Hierarchy verification error |
K0 | TOKEN RESPONSE | Token request was processed |
K1 | TOKEN NOT CONFIG | Tokenization is not configured |
K2 | TERM NOT AUTHENT | Terminal is not authenticated |
K3 | TOKEN FAILURE | Data could not be de-tokenized |
M0 | DOM DBT NOT ALWD | Mastercard: Canada region-issued domestic debit transaction not allowed |
N3 | CACHBACK NOT AVL | Cash back service not available |
N4 | DECLINE | Exceeds issuer withdrawal limit |
N7 | CVV2 MISMATCH | CVV2 value supplied is invalid |
P0 | SERV NOT ALLOWED | Contact Merchant Services/Technical Support |
P1 | SERV NOT ALLOWED | Contact Merchant Services/Technical Support |
P2 | SERV NOT ALLOWED | Contact Merchant Services/Technical Support |
P3 | SERV NOT ALLOWED | Contact Merchant Services/Technical Support |
P4 | SERV NOT ALLOWED | Contact Merchant Services/Technical Support |
P5 | SERV NOT ALLOWED | Contact Merchant Services/Technical Support |
P6 | SERV NOT ALLOWED | Contact Merchant Services/Technical Support |
P7 | MISSING SERIAL NUM | Terminal has not completed boarding — serial number not set up |
Q1 | CARD AUTH FAIL | Card authentication failed |
R0 | STOP RECURRING | Customer requested stop of specific recurring payment |
R1 | STOP RECURRING | Customer requested stop of all recurring payments from specific merchant |
R3 | STOP ALL RECUR | All recurring payments canceled for the card number in the request |
S0 | INACTIVE CARD | The PAN used in the transaction is inactive |
S1 | MOD 10 FAIL | The Mod-10 check failed |
S5 | DCLN NO PRE AUTH | Decline — no preauthorization found |
S9 | MAX BALANCE | Maximum working balance exceeded |
SA | SHUT DOWN | The authorization server is shut down |
SB | INVALID STATUS | Invalid card status — status is other than active |
SC | UNKNOWN STORE | Unknown dealer/store code — special edit |
SD | TOO MANY RCHRGS | Maximum number of recharges exceeded |
SE | ALREADY USED | Card was already used |
SF | NOT MANUAL | Manual transactions not allowed |
SH | TYPE UNKNOWN | Transaction type was unknown |
SJ | INVALID TENDER | An invalid tender type was submitted |
SK | CUSTOMER TYPE | An invalid customer type was submitted |
SL | PIN LOCKED | PIN was locked |
SM | MAX REDEMPTS | Maximum number of redemptions exceeded |
SP | MAX PAN TRIES | Maximum number of PAN tries exceeded |
SR | ALREADY ISSUED | The card was already issued |
SS | NOT ISSUED | The card was not issued |
T0 | APPROVAL | First check is okay and has been converted |
T1 | CANNOT CONVERT | Check is okay but cannot be converted — declined |
T2 | INVALIDABA | Invalid ABA number, not an ACH participant |
T3 | AMOUNT ERROR | Amount greater than the limit |
V1 | FAILURE VM | Daily threshold exceeded |
Z6 | FIX INVALID MCC | Invalid use of MCC — correct and reattempt |