BANK RESPONSE CODES EXPLAINED
Response codes are supplied by the merchant’s bank to your payment gateway provider after making contact with the customer’s card issuer.
After receiving the payment information, your bank contacts your customer’s bank to confirm the details of the transaction (card #, expiry date, amount, card valid, etc.). Depending on that interaction, the customer’s bank will reply to your bank with a response code – this message will then be returned to your website.
Common types of responses from the banks include:
Transaction approved: Your customer’s transaction was processed successfully.
Insufficient funds: The customer’s bank noted that there was not enough money available on the card.
Card expired: The card used is expired. Has the card been replaced?
Refer to issuer: This can mean many different things, ultimately you will need to tell your customer to contact their card issuing bank. Do they have another card they can use?
Please find below a more complete list of the Response Codes you may receive from your merchant bank, plus a description on what those responses mean.
Code | Response Text | Result | Explanation |
00 |
Transaction Approved |
Successful |
The transaction was successful. |
01 |
vaultmarket cvv shop Refer to Issuer |
Fail |
The customer’s bank (Card Issuer) has indicated |
02 |
Refer to Issuer, special |
Fail |
The customer’s bank (Card Issuer) has indicated |
03 |
No Merchant |
Fail |
The Merchant ID is invalid, you should |
04 |
Pick Up Card |
Fail |
The customer’s bank (Card Issuer) has declined the |
05 |
Do Not Honour |
Fail |
The customer’s bank has declined the |
06 |
Error |
Fail |
Login HERE! The customer’s bank (Card Issuer) has declined the |
07 |
Pick Up Card, Special |
Fail |
The customer’s bank (Card Issuer) has declined the |
08 |
Login HERE! Honour With Identification |
Successful |
The transaction was |
09 |
Login HERE! Request In Progress |
Fail |
The customer’s bank (Card Issuer) has indicated |
10 |
Approved For Partial Amount |
Successful |
The transaction was successful. |
11 |
Approved, VIP |
Successful |
The transaction was successful. (This code is not |
12 |
Invalid Transaction |
Fail |
The customer’s bank (Card Issuer) has declined the |
13 |
Invalid Amount |
Fail |
An invalid character (e.g. a dollar sign or a |
14 |
Invalid Card Number |
Fail |
The customer’s bank (Card Issuer) has declined the |
15 |
Dumps SEO No Issuer |
Fail |
The customer’s bank (Card Issuer) does not |
16 |
Approved, Update Track 3 |
Successful |
The transaction was successful. |
19 |
Re-enter Last Transaction |
Fail |
vaultmarket dumps shop The transaction has not been processed and the |
21 |
No Action Taken |
Fail |
The customer’s bank (Card Issuer) has indicated |
22 |
Suspected Malfunction |
Fail |
The customer’s bank (Card Issuer) cannot be |
23 |
Unacceptable Transaction Fee |
Fail |
An unspecified error has occurred. |
25 |
Unable to Locate Record On File |
Fail |
The customer’s bank (Card Issuer) does not recognise the credit card |
30 |
Format Error |
Fail |
The customer’s bank (Card Issuer) does not recognise the transaction |
31 |
Bank Not Supported By Switch |
Fail |
The customer’s bank (Card Issuer) has declined the |
33 |
Expired Card, Capture |
Fail |
The customer’s bank (Card Issuer) has declined the |
34 |
Suspected Fraud, Retain Card |
Fail |
The customer’s bank (Card Issuer) has declined the |
35 |
Card Acceptor, Contact Acquirer, Retain Card |
Fail |
The customer’s bank (Card Issuer) has declined the |
36 |
Restricted Card, Retain Card |
Fail |
The customer’s bank (Card Issuer) has declined the |
37 |
Contact Acquirer Security Department, Retain Card |
Fail |
The customer’s bank (Card Issuer) has declined the |
38 |
PIN Tries Exceeded, Capture |
Fail |
The customer’s bank (Card Issuer) has declined the |
39 |
No Credit Account |
Fail |
The customer’s bank has declined the transaction as the |
40 |
Function Not Supported |
Fail |
The customer’s bank (Card Issuer) has declined the |
41 |
Lost Card |
Fail |
The customer’s bank (Card Issuer) has declined the |
42 |
No Universal Account |
Fail |
The customer’s bank (Card Issuer) has declined the |
43 |
Stolen Card |
Fail |
The customer’s bank (Card Issuer) has declined the |
44 |
No Investment Account |
Fail |
The customer’s bank (Card Issuer) has declined the |
51 |
Insufficient Funds |
Fail |
The customer’s bank (Card Issuer) has declined the |
52 |
No Cheque Account |
Fail |
The customer’s bank (Card Issuer) has declined the |
53 |
No Savings Account |
Fail |
The customer’s bank (Card Issuer) has declined the |
54 |
Expired Card |
Fail |
The customer’s bank (Card Issuer) has declined the |
55 |
Incorrect PIN |
Fail |
The customer’s bank (Card Issuer) has declined the |
56 |
No Card Record |
Fail |
The Customer’s bank has declined the transaction |
57 |
Function Not Permitted to Cardholder |
Fail |
The Customer’s bank has declined the transaction as this |
58 |
Function Not Permitted to Terminal |
Fail |
The Customer’s bank has declined the |
59 |
Suspected Fraud |
Fail |
The customer’s bank has declined this transaction as the |
60 |
Acceptor Contact Acquirer |
Fail |
vaultmarket dumps shop The customer’s bank (card issuer) has declined the |
61 |
Exceeds Withdrawal Limit |
Fail |
The customer’s bank has declined the transaction as it |
62 |
Login HERE! Restricted Card |
|
The customer’s bank has declined the transaction |
63 |
Security Violation |
Fail |
The customer’s bank has declined the transaction. The customer should use an alternate |
64 |
Original Amount Incorrect |
Fail |
The customer’s bank has declined the transaction |
65 |
Exceeds withdrawal |
Fail |
The customer’s bank has declined the transaction as the |
66 |
vaultmarket dumps shop Acceptor Contact Acquirer, Security |
Fail |
The customer’s bank has declined the transaction and |
67 |
Capture Card |
Fail |
The customer’s bank has declined the transaction |
75 |
PIN Tries Exceeded |
Fail |
The customer’s bank has declined the transaction as the |
82 |
CVV Validation Error |
Fail |
The customer’s bank has declined the transaction |
90 |
Cutoff In Progress |
Fail |
The customer’s bank is temporarily not able to process |
91 |
Card Issuer Unavailable |
Fail |
The customer’s bank is unable to be contacted to |
92 |
Dumps SEO Unable To Route Transaction |
Fail |
The customer’s bank cannot be |
93 |
vaultmarket cvv shop Cannot Complete, Violation Of The Law |
Fail |
The customer’s bank has declined the transaction |
94 |
Duplicate Transaction |
Fail |
The customer’s bank has declined the transaction as this |
96 |
System Error |
Fail |
The customer’s bank was not able to process the |
Important notes:
- The text “CUST CONTACT THEIR BANK”/”CONTACT BANK” means that you need to advise your customer to contact their bank to enquire if there is a problem with their card. If repeated attempts to collect money from this customer using a credit card fail, you should request an alternate credit card for payment.
- The actual response text displayed with a response code may vary between banks, and is subject to change at any time. The response text may also vary between test and live systems.
- The majority of response codes in the range 00-99 are returned by the card holder’s bank and your merchant bank do not have any control over them.