CODE

RESPONSE

ACTION

0

Approved or Completed Successful

Approve

1

Refer to Card Issuer

Call Issuer

2

Refer to Card Issuer - Special Condition

Call Issuer

3

Invalid Merchant

Decline

4

Pick-up Card

Decline

5

Do not honor

Decline

8

Honor with ID

Approve

10

Partial Approval

Approve

12

Invalid Transactions

Decline

13

Invalid Amount

Decline

14

Invalid Card Number

Decline

15

Invalid Issuer

Decline

30

Format Error

Decline

41

Lost Card

Capture

43

Stolen Card

Capture

51

Insufficient Funds/OverCredit Limit

Decline

54

Expired Card

Decline

55

Invalid PIN

Decline

57

Transaction not Permitted to Issuer/ Cardholder

Decline

58

Transaction not Permitted to Acquirer/Terminal

Decline

61

Exceeds Withdrawal Amount Limit

Decline

62

Restricted Card

Decline

63

Security Violation

Decline

65

Exceeds Withdrawal Count Limit

Decline

70

Contact Card Issuer

Call Issuer

71

PIN Not Changed

Decline

75

Allowable Number of PIN tries Exceeded

Decline

76

Invalid/Nonexistent "To Account" Specified

Decline

77

Invalid/Nonexistent "From Account" Specified

Decline

78

Invalid/Nonexistent Account Specified (General)

Decline

84

Invalid Authorization Life Cycle

Decline

85

Not Declined Valid for all Zero Amount Transactions

Valid

86

PIN Validation not Possible

Decline

87

Purchase Amount Only, No Cash Back Allowed

Approve

88

Cryptographic Failure

Decline

89

Unacceptable PIN - Transactions Declined - Retry

Decline

91

Authorization Platform or Issuer System Inoperative

Decline

92

Unable to Route Transaction

Decline

94

Duplicate Transmission Detected

Decline

96

System Error

Decline

B

Fraud Risk Blocked

Decline

F

Failed or cancelled 3D secure

Decline