| Reason Code | Definitions / Master card international |
|---|---|
| 01 | Requested transaction data Not received |
| 02 | Requested/Required item illegible or missing |
| 07 | Warning Bulletin file |
| 08 | Requested/Required authorization Not obtained |
| 12 | Account number Not on file |
| 31 | Transaction amount differs |
| 34 | Duplicate processing |
| 35 | Card not valid or Expired |
| 37 | No cardholder authorization |
| 40 | Fraudulent processing of transactions |
| 41 | Cancelled recurring transaction |
| 42 | Late presentment |
| 46 | Correct transaction Currency code not provided |
| 47 | Exceeds floor limit- Not authorized and fraudulent transaction |
| 49 | Questionable merchant activity |
| 50 | Credit Posted as a Purchase |
| 53 | Cardholder dispute – Defective/ Not as described |
| 55 | Non-receipt of Merchandise |
| 57 | Card-activated Telephone transaction |
| 59 | Services Not rendered |
| 60 | Credit not processed |
| 62 | Counterfeit transaction magnetic stripe POS fraud |
| 63 | Cardholder does not recognize – Potential fraud |
| 4870 | Chip Liability Shift |
| Reason Codes | Definitions / Visa international and local banks |
|---|---|
| 60 | Illegible fulfillment |
| 75/79 | Requested transaction data Not received |
| 57 | Fraudulent multiple transactions |
| 62 | Chip liability Shift / Counterfeit transaction |
| 81 | Fraud – card Present environment ( Will request edc voucher) |
| 83 | Fraud – card Absent environment ( manual transactions, will request zip –zap voucher ) |
| 93 | Risk identification service |
| 70 | Card recovery bulletin |
| 71 | Declined authorization |
| 72 | No authorization |
| 73 | Expired card |
| 78 | Service code violation |
| 74 | Late Presentment |
| 76 | Incorrect currency or Transaction code or Domestic transaction processing violation |
| 77 | None –matching account number |
| 80 | Incorrect transaction amount or account number |
| 82 | Duplicate Processing |
| 84 | Unsigned slip |
| 86 | Paid by other means |
| 88 | Split sales |
| 89 | Unauthorised signature/ card not signed |
| 96 | Transaction exceeds limited amount |
| 41 | Cancelled recurring transaction |
| 53 | Not as described or Defective merchandise |
| 85 | Credit Not processed |
| 30 | Service not provided or merchandise not received |
| 90 | Non-receipt of cash ( ATM transaction ) |