Payment Error Codes Explained: Troubleshooting Guide

Gateway Normalised Response Codes:

Response Code	Response Text	Description
00	APPROVAL	Approved
02	CALL ISSUER	Refer to card issuer - Call issuer
03	INVALID - MERCHANT	Invalid Merchant ID. Ensure merchant ID matches to the merchant details in IST
05	DECLINED	Declined by Issuer; Do not Honor
06	UNABLE TO REVERSE	Unable to reverse/void, Reversal batch ID does not match original batch ID
08	ISSUER TIMEOUT	Issuer timeout; Generate a reversal to remove any hold on the cardholder account
09	ISSUER UNAVAILABLE	Issuer unavailable at time of transaction
12	INVALID TRANSACTION	Invalid transaction
13	INVALID AMOUNT	Invalid amount
14	INVALID CARD NUMBER	Invalid card number
30	FORMAT ERROR	Format error
31	INVALID ISSUER	Invalid Issuer
41	LOST CARD	Lost card
43	STOLEN CARD	Stolen card, pick up
51	INSUFFICIENT FUNDS	Declined by issuer due to insufficient funds
54	EXPIRED CARD	Expired card
60	PROCESSOR DECLINE	General Decline from processor
61	RESTRICTED CARD	Card has been restricted
62	SUSPECTED FRAUD	Suspected Fraud
64	STOP PAYMENT	Accountholder has requested all recurring/installment payments be stopped
78	ORIGINAL NOT FOUND	Original transaction for Reversal/Void/Completion not found
79	DECLINED - CVV2	Invalid CVV2
90	ISSUER DECLINE	Issuer decline default
91	SWITCH UNAVAILABLE	Switch not available
94	DUPLICATE TXN	Duplicate transmission
96	ERROR-SYSTEM - SE	System malfunction
AE	TIMEOUT	Timeout waiting for response

Issuer Error Codes.

Code	Description	Action	Normalized Response Code
000	Approved	Approve	00
001	Honour with identification	Approve	00
003	Approved (VIP)	Approve	00

100	Do not honor	Decline	05
101	Expired card	Decline	54
102	Suspected fraud (To be used when ARQC or mada 3DS authentication cryptogram validation fails)	Decline	62
103	Card acceptor contact acquirer	Decline	60
104	Restricted card	Decline	61
105	Card acceptor call acquirer‘s security department	Decline	60
107	Refer to card issuer	Decline	02
108	Refer to card issuer‘s special conditions	Decline	02
110	The specified amount is invalid or exceeds the maximum unitary amount for the given mada transaction service	Decline	13
111	Invalid card number	Decline	14
116	Not sufficient funds	Decline	51
118	No card record	Decline	14
119	Transaction not permitted to cardholder	Decline	12
121	Exceeds Daily limit for the given mada transaction service	Decline	90
122	Security violation	Decline	60
123	Exceeds frequency limit i.e. number of transactions, for the given mada transaction service	Decline	90
129	Suspected counterfeit card	Decline	62
164	Transaction not permitted for this Merchant Category Code (MERCHANTCATEGORYCODE).	Decline	60
165	Excessive pre-authorization Capture not allowed. The excessive Capture attempt violates the mada business rules in terms of the total amount being captured or the allowed transaction channels or presentment mode.	Decline	60
166	More than one pre-authorization extension is not allowed	Decline	60
167	Issuer not certified for this transaction or service or Issuer does not support this service	Decline	60
184	Incorrect CVV (Visa 82)	Decline	79
187	Original transaction for refund, preauthorization capture, preauthorization void or preauthorization extension not found based on original transaction data elements.	Decline	78
189	Agreement ID is not present in the initial 3DS authenticated agreed payment transaction or the Agreement ID in a subsequent COF agreed payment transaction is not present or does not match the Agreement ID in the initial 3DS transaction	Decline	90
191	The recurring payment amount type is invalid	Decline	90
192	The recurring amount value is invalid	Decline	90
193	The total number of allowed recurring payments has been exceeded	Decline	90
197	The bank account used in the original transaction does not match the bank account being used in the Refund, Preauthorization Capture, Preauthorization Void or Preauthorization Extension transaction	Decline	90
198	The refund or preauthorization void transaction amount or cumulative amount exceeds the original transaction amount	Decline	90
199	The refund, pre-authorization Capture or preauthorization void transaction period exceeds the maximum time limit allowed by the mada business rules	Decline	90
400	Accepted	Approve	00
480	Original transaction not found	Decline	78
481	Original transaction was found but declined	Decline	60
902	Invalid transaction	Decline	12
903	Re-enter transaction	Decline	90
904	Format error	Decline	30
906	Cutover in process	Decline	96
907	Card issuer or switch inoperative	Decline	91
908	Transaction destination cannot be found for routing	Decline	31
909	System malfunction	Decline	96
910	Card issuer signed off	Decline	91
911	Card issuer timed out	Decline	08
912	Card issuer unavailable	Decline	09
913	Duplicate transmission	Decline	94
914	Not able to trace back to original transaction	Decline	78
915	Reconciliation cutover or checkpoint error	Decline	96
916	MAC incorrect (permissible in 1644)	Decline	96
917	MAC key sync	Decline	96
920	Security software/hardware error – try again	Decline	96
922	Message number out of sequence	Decline	96
923	Request in progress	Decline	96
941	Destination Unavailable	Decline	09

ICS supported Action Codes (Based on ISO 8583:1987):

Code	Description	Action	Normalized Response Code
00	Approved or Completed successfully	Approve	00
01	Refer to card issuer	Call Issuer	02
02	Refer to card issuer, Special condition	Call Issuer	02
03	Invalid Merchant	Decline	03
05	Do Not Honor	Decline	05
10	Transaction Request approved for the partial approved amount	Approve	00
12	Invalid transaction	Decline	12
13	Invalid amount	Decline	13
14	Invalid card number	Decline	14
15	Invalid issuer	Decline	31
19	Re-enter transaction	Decline	90
20	Invalid response	Decline	30
21	Card not initialized	Decline	61
22	Suspected Malfunction; related transaction error	Decline	96
25	Unable to locate original transaction	Decline	78
30	Message format error	Decline	30
31	Bank not supported by switch	Decline	60
33	Expired Card	Decline	54
34	Suspended Fraud	Decline	62
36	Restricted Card	Decline	61
40	Function requested not supported	Decline	12
41	Lost Card	Decline	41
43	Stolen Card	Decline	43
51	Insufficient funds	Decline	51
54	Expired Card	Decline	54
56	No Card record	Decline	14
57	Transaction not permitted to issuer or cardholder	Decline	60
58	Transaction not permitted to acquirer or terminal	Decline	60
59	Suspected fraud	Decline	62
61	Exceeds withdrawal limit	Decline	90
62	Restricted card	Decline	61
63	Security Violation	Decline	60
64	Original transaction amount error	Decline	78
65	Exceeds withdrawal count limits	Decline	90
68	Issuer response time-out	Decline	08
76	Unable to locate previous message (no match on retrieval reference number)	Decline	78
77	Previous message located for a repeat or reversal, but repeat or reversal data inconsistent with original message	Decline	78
79	Transaction Reversed	Approve	00
85	No reason to decline request for account verification	Approve	00
88	Cryptographic Failure	Decline	60
90	Cutoff is in process	Decline	96
91	Authorization System or issuer system inoperative	Decline	91
92	Unable to route transaction	Decline	31
94	Duplicate transmission detected	Decline	94
96	System error	Decline	96
98	Issuer response not received by CUPS	Decline	08
A0	Mac failed	Decline	96
D1	Incorrect IIN	Decline	60
D2	Date Error	Decline	60
N7	Decline for CVV2 failure	Decline	79
R0	Stop payment order	Decline	64
R1	Revocation of authorization order	Decline	64
R3	Revocation of all authorizations order	Decline	64

ICS supported Action Codes (Based on ISO 8583:1993):

Code	Description	Action	Normalized Response Code
081	Approved by Issuer	Approve	00
086	Card Account Verification Successful	Approve	00
100	Do not honor	Decline	05
101	Expired card	Decline	54
102	Suspected Fraud	Decline	62
104	Restricted card	Decline	61
105	Card acceptor call acquirer‘s security department	Decline	60
109	Invalid Merchant	Decline	03
110	Invalid Amount	Decline	13
111	Invalid card number	Decline	14
115	Requested Function Not supported	Decline	12
118	Cycle Range suspended	Decline	14
119	Transaction not permitted to cardholder	Decline	12
120	Transaction not permitted to originator	Decline	60
121	Exceeds Daily limit for the given mada transaction service	Decline	90
122	Card Validity Period Exceeded	Decline	54
125	Card Not Effective	Decline	14
129	Suspected counterfeit card	Decline	62
163	Security Violations	Decline	60
182	Decline given By Issuer	Decline	90
184	Decline Given By Xpress, No Communication With Issuer	Decline	60
188	Xpress Unable to forward request to Issuer X	Decline	09
192	Restricted Merchant	Decline	03
198	Card Account Verification Failed	Decline	90
200	Do Not Honor	Decline	05
201	Expired card	Decline	54
202	Suspected Fraud	Decline	62
203	Card Acceptor Contact Acquirer	Decline	60
204	Restricted card	Decline	61
205	Card Acceptor Call Acquirers Security Department	Decline	60
207	Special conditions	Decline	90
208	Lost Card	Decline	41
209	Stolen Card	Decline	43
210	Suspected Counterfeit Card	Decline	62
400	Used in reversal response messages to indicate the result of the reversal (Accepted)	Approve	00
480	Function Code Not Allowed	Decline	78
481	Account Number Invalid	Decline	14
484	Invalid Amount	Decline	13