| Reason Code |
Description |
| 00 |
Approved or completed successfully |
| 01 |
Refer to card issuer |
| 02 |
* Refer to card issuers special conditions |
| 03 |
Invalid merchant |
| 04 |
Pick-up |
| 05 |
Do not honor |
| 06 |
Error |
| 07 |
Pick-up card, special conditions |
| 08 |
* Honor with identification |
| 09 |
* Request in progress |
| 10 |
Approved for partial amount |
| 11 |
* Approved (VIP) |
| 12 |
Invalid transaction-Sometimes a place that may not accept pre-paid debit cards |
| 13 |
Invalid amount |
| 14 |
Invalid card number (no such number) |
| 15 |
No such issuer |
| 16 |
* Approved, update Track 3 |
| 17 |
* Customer cancellation, reversal (unsupported) |
| 18 |
(Not Supported) |
| 19 |
* Re-enter transaction |
| 20 |
Invalid response |
| 21 |
(Not Supported) |
| 22 |
(Not Supported) |
| 23 |
Unacceptable transaction fee |
| 24 |
File update not supported by receiver (0302 message only) |
| 25 |
Unable to locate record on file (0302 message only) |
| 26 |
Duplicate file update record, no action (0302 message only) |
| 27 |
File update field edit error (0302 message only) |
| 28 |
File update record locked out (0302 message only) |
| 29 |
File update not successful, contact acquirer (0302 message only) |
| 30 |
Format error (may also be a reversal) |
| 31 |
Bank not supported by switch |
| 32 |
(Not Supported) |
| 33 |
Expired card, pick-up |
| 34 |
Suspected fraud, pick-up |
| 35 |
* Card acceptor contact acquirer, pick-up |
| 36 |
Restricted card, pick-up |
| 37 |
Card acceptor call acquirer security, pick-up |
| 38 |
Allowable PIN tries exceeded, pick-up |
| 39 |
No credit account |
| 40 |
Requested function not supported |
| 41 |
Lost card, pick-up |
| 42 |
No universal account |
| 43 |
Stolen card, pick-up |
| 44 |
No investment account |
| 45 |
Reserved for ISO use |
| 46 |
Reserved for ISO use |
| 47 |
Reserved for ISO use |
| 48 |
Reserved for ISO use |
| 49 |
Reserved for IO use |
| 50 |
Reserved for ISO use |
| 51 |
Insufficient funds |
| 52 |
No checking account |
| 53 |
No savings account |
| 54 |
Expired card |
| 55 |
Incorrect PIN |
| 56 |
No card record |
| 57 |
Transaction not permitted to cardholder |
| 58 |
Transaction not permitted to terminal (may also be a chargeback) |
| 59 |
Suspected fraud |
| 60 |
Card acceptor contact acquirer |
| 61 |
Exceeds withdrawal amount limit |
| 62 |
Restricted card |
| 63 |
Security violation (may also be a chargeback) |
| 64 |
(Not Supported) |
| 65 |
Exceeds withdrawal frequency limit |
| 66 |
Card acceptor call acquirer security |
| 67 |
Hard capture, pick-up |
| 68 |
(Not Supported) |
| 69 |
Reserved for ISO |
| 70 |
Reserved for ISO |
| 71 |
Reserved for ISO |
| 72 |
Reserved for ISO |
| 73 |
Reserved for ISO |
| 74 |
Reserved for ISO |
| 75 |
Allowable number of PIN tries exceeded |
| 76 |
Key synchronization error |
| 78 |
Customer not eligible for POS (STAR) |
| 79 |
Invalid Digital Signature |
| 80 |
Stale dated transaction (STAR) |
| 81 |
Issuer requested stand-in |
| 82 |
Count exceeds limit (Visa Net) |
| 83 |
Reserved for private use |
| 84 |
Time limit for pre-authorization reached (Visa Net) |
| 85 |
Reserved for private use |
| 86 |
Cannot verify PIN (Visa Net) |
| 87 |
* Check already posted |
| 88 |
Information not on file |
| 89 |
Card verification value (CVV) verification failed (no pick-up) |
| 90 |
Cutoff in progress |
| 91 |
Issuer or switch is inoperative |
| 92 |
Financial institution or intermediate network unknown for routing |
| 93 |
* Transaction cannot be completed, violation of law |
| 94 |
Duplication transaction |
| 95 |
* Reconcile error |
| 96 |
System malfunction |
| 97 |
Reserved for national use |
| 98 |
Reserved for national use |
| 99 |
Reserved for national use |
| N0 |
Authorization life cycle unacceptable |
| N1 |
Authorization life cycle expired |
| N2-N9 |
Future Use |
| P0-P9 |
Future Use |
| R0-R2 |
Future Use |
| R2 |
Allowable PAN entries warning approved |
| R3 |
Approved with overdraft protection |
| “S” Series “S” |
Series defined by FIS |
| “T” Series “T” |
Series defined by FIS |
| C2-MZ |
Reserved for national use |
| SQ |
PIN Key Synch Error |
| SR |
Bad CVV2 |
| ST |
Revocation of authorization order |
| SV |
Stop recurring payments |
| TA |
ARQC validation failed for Chip Card |
| TB |
Unsafe PIN |
| T7 |
Purchase only approval for purchase with cash back transaction |
| R4 |
Bad CVV3 |
| R5-ZZ |
Reserved for private use |
| R5-ZZ |
Reserved for private use
|
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