Response Codes

Overview

Merely receiving a positive HTTP status code of 200/OK for a payment request does not guarantee that the payment has been successful. It is possible for the transaction to be declined or cancelled for various reasons. If this occurs, the response provided will include a response_code with a value Refused or Cancelled along with a description field which outlines the reason for the failed transaction. The underlying cause of the refusal is predominantly determined by the authorisation response code obtained from the card scheme or issuer, commonly referred to as the Raw Acquirer Response.

We advise cardholders to promptly contact their issuing bank for further information in the event of a response code 1xx or 2xx encountered during a transaction refusal.

Furthermore, if a response code of 9xx is displayed, we encourage you to contact our technical support team. Thus you will receive additional information concerning the refusal, as it may have originated from either the issuing or processing side of the transaction.

Raw Acquirer Response Codes

Code Status Description
000 Approved Approved
001 Approved with ID Approved, honor with identification
002 Approved Approved for partial amount
003 Approved Approved for VIP
004 Approved Approved, update track 3
005 Approved Approved, account type specified by card issuer
006 Approved Approved for partial amount, account type specified by card issuer
007 Approved Approved, update ICC
100 Decline Decline (general, no comments)
101 Decline Decline, expired card
102 Decline Decline, suspected fraud
103 Decline Decline, card acceptor contact acquirer
104 Decline Decline, restricted card
105 Decline Decline, card acceptor call acquirer's security department
106 Decline Decline, allowable PIN tries exceeded
107 Decline Decline, refer to card issuer
108 Decline Decline, refer to card issuer's special conditions
109 Decline Decline, invalid merchant
110 Decline Decline, invalid amount
111 Decline Decline, invalid card number
112 Decline Decline, PIN data required
113 Decline Decline, unacceptable fee
114 Decline Decline, no account of type requested
115 Decline Decline, requested function not supported
116 Decline, no funds Decline, not sufficient funds
117 Decline Decline, incorrect PIN
118 Decline Decline, no card record
119 Decline Decline, transaction not permitted to cardholder
120 Decline Decline, transaction not permitted to terminal
121 Decline Decline, exceeds withdrawal amount limit
122 Decline Decline, security violation
123 Decline Decline, exceeds withdrawal frequency limit
124 Decline Decline, violation of law
125 Decline Decline, card not effective
126 Decline Decline, invalid PIN block
127 Decline Decline, PIN length error
128 Decline Decline, PIN key sync error
129 Decline Decline, suspected counterfeit card
160 Decline Decline, additional customer authentication required
162 Decline Decline, Lifecycle violation
163 Decline Decline, Policy violation
164 Decline Decline, Fraud/Security violation
180 Decline Decline, by cardholders wish
197 Decline Decline, call AmEx
198 Decline Decline, call Card Processing Centre
200 Pick-up Pick-up (general, no comments)
201 Pick-up Pick-up, expired card
202 Pick-up Pick-up, suspected fraud
203 Pick-up Pick-up, card acceptor contact card acquirer
204 Pick-up Pick-up, restricted card
205 Pick-up Pick-up, card acceptor call acquirer's security department
206 Pick-up Pick-up, allowable PIN tries exceeded
207 Pick-up Pick-up, special conditions
208 Pick-up Pick-up, lost card
209 Pick-up Pick-up, stolen card
210 Pick-up Pick-up, suspected counterfeit card
400 Accepted Accepted (for reversal)
902 Call acquirer Decline reason message: invalid transaction
903 Call acquirer Status message: re-enter transaction
904 Call acquirer Decline reason message: format error
905 Call acquirer Decline reason message: acquirer not supported by switch
906 Call acquirer Decline reason message: cutover in process
907 Call acquirer Decline reason message: card issuer or switch inoperative
908 Call acquirer Decline reason message: transaction destination cannot be found for routing
909 Call acquirer Decline reason message: system malfunction
910 Call acquirer Decline reason message: card issuer signed off
911 Call acquirer Decline reason message: card issuer timed out
912 Call acquirer Decline reason message: card issuer unavailable
913 Call acquirer Decline reason message: duplicate transmission
914 Call acquirer Decline reason message: not able to trace back to original transaction
915 Call acquirer Decline reason message: reconciliation cutover or checkpoint error
916 Call acquirer Decline reason message: MAC incorrect
917 Call acquirer Decline reason message: MAC key sync error
918 Call acquirer Decline reason message: no communication keys available for use
919 Call acquirer Decline reason message: encryption key sync error
920 Call acquirer Decline reason message: security software/hardware error - try again
921 Call acquirer Decline reason message: security software/hardware error - no action
922 Call acquirer Decline reason message: message number out of sequence
923 Call acquirer Status message: request in progress
950 Not accepted Decline reason message: violation of business arrangement
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