Payment Codes
Response codes, processing codes, POS entry and condition codes, MTI digits and merchant category codes.
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Field 39 of the response message. Codes marked with a network name are that network's use of a range ISO reserves for national or private use — always confirm against the network's own specification.
Response codes (DE 39)
| Code | Meaning | Network |
|---|---|---|
| 00 | Approved or completed successfully | ISO |
| 01 | Refer to card issuer | ISO |
| 02 | Refer to card issuer, special condition | ISO |
| 03 | Invalid merchant | ISO |
| 04 | Pick up card (no fraud) | ISO |
| 05 | Do not honor | ISO |
| 06 | Error | ISO |
| 07 | Pick up card, special condition (fraud) | ISO |
| 08 | Honor with identification | ISO |
| 09 | Request in progress | ISO |
| 10 | Approved for partial amount | ISO |
| 11 | Approved (VIP) | ISO |
| 12 | Invalid transaction | ISO |
| 13 | Invalid amount | ISO |
| 14 | Invalid card number | ISO |
| 15 | No such issuer | ISO |
| 16 | Approved, update track 3 | ISO |
| 17 | Customer cancellation | ISO |
| 18 | Customer dispute | ISO |
| 19 | Re-enter transaction | ISO |
| 20 | Invalid response | ISO |
| 21 | No action taken | ISO |
| 22 | Suspected malfunction | ISO |
| 23 | Unacceptable transaction fee | ISO |
| 24 | File update not supported by receiver | ISO |
| 25 | Unable to locate record on file | ISO |
| 26 | Duplicate file update record, old record replaced | ISO |
| 27 | File update field edit error | ISO |
| 28 | File update file locked out | ISO |
| 29 | File update not successful, contact acquirer | ISO |
| 30 | Format error | ISO |
| 31 | Bank not supported by switch | ISO |
| 32 | Completed partially | ISO |
| 33 | Expired card, pick up | ISO |
| 34 | Suspected fraud, pick up | ISO |
| 35 | Card acceptor contact acquirer, pick up | ISO |
| 36 | Restricted card, pick up | ISO |
| 37 | Card acceptor call acquirer security, pick up | ISO |
| 38 | Allowable PIN tries exceeded, pick up | ISO |
| 39 | No credit account | ISO |
| 40 | Requested function not supported | ISO |
| 41 | Lost card, pick up | ISO |
| 42 | No universal account | ISO |
| 43 | Stolen card, pick up | ISO |
| 44 | No investment account | ISO |
| 46 | Closed account | Visa |
| 51 | Insufficient funds / over credit limit | ISO |
| 52 | No checking account | ISO |
| 53 | No savings account | ISO |
| 54 | Expired card | ISO |
| 55 | Incorrect PIN | ISO |
| 56 | No card record | ISO |
| 57 | Transaction not permitted to cardholder | ISO |
| 58 | Transaction not permitted to terminal | ISO |
| 59 | Suspected fraud | ISO |
| 60 | Card acceptor contact acquirer | ISO |
| 61 | Exceeds withdrawal amount limit | ISO |
| 62 | Restricted card | ISO |
| 63 | Security violation | ISO |
| 64 | Original amount incorrect | ISO |
| 65 | Exceeds withdrawal frequency limit | ISO |
| 66 | Card acceptor call acquirer's security department | ISO |
| 67 | Hard capture (pick up card at ATM) | ISO |
| 68 | Response received too late | ISO |
| 75 | Allowable number of PIN tries exceeded | ISO |
| 85 | No reason to decline (account / address verification) | Visa |
| 86 | Cannot verify PIN | Visa |
| 90 | Cutoff is in process | ISO |
| 91 | Issuer or switch inoperative | ISO |
| 92 | Financial institution or intermediate network cannot be found for routing | ISO |
| 93 | Transaction cannot be completed — violation of law | ISO |
| 94 | Duplicate transmission | ISO |
| 95 | Reconcile error | ISO |
| 96 | System malfunction | ISO |
| 1A | Additional customer authentication required (SCA) | Visa |
| N7 | Decline for CVV2 failure | Visa |