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00Successful approval/completion or that VIP PIN verification is valid.
01Refer to card issuer.
02Refer to card issuer, special condition.
03Invalid merchant or service provider.
05Do not honor
06General error
07Pick up card, special condition (other than lost/stolen card).
08Honor with identification.
09Request in progress.
10Partial approval.
11VIP approval.
12Invalid transaction.
13Invalid amount (currency conversion field overflow) or amount exceeds maximum for card program.
14Invalid account number (no such number)
15No such issuer
16Insufficient funds.
17Customer cancellation.
19Re-enter transaction.
20Invalid response.
21No action taken (unable to back out prior transaction).
22Suspected Malfunction.
25Unable to locate record in file, or account number is missing from the inquiry.
28File is temporarily unavailable.
30at error.
41Merchant should retain card (card reported lost).
51Merchant should retain card (card reported stolen).
51Insufficient funds.
52No checking account.
53No savings account.
54Expired card.
55Incorrect PIN.
57Transaction not permitted to cardholder.
58Transaction not allowed at terminal.
59Suspected fraud.
61Activity amount limit exceeded.
62Restricted card (for example, in country exclusion table).
63Security violation.
65Activity count limit exceeded.
68Response received too late.
75Allowable number of PIN-entry tries exceeded .
76Unable to locate previous message (no match on retrieval reference number).
77Previous message located for a repeat or reversal, but repeat or reversal data are inconsistent with original message.
78’Blocked, first used’—The transaction is from a new cardholder, and the card has not been properly unblocked.
80Visa transactions: credit issuer unavailable. Private label and check acceptance: Invalid date.
81PIN cryptographic error found (error found by VIC security module during PIN decryption).
82Negative CAM, dCVV, iCVV, or CVV results.
83Unable to verify PIN.
85No reason to decline a request for account number verification, address verification, CVV2 verification; or a credit voucher or merchandise return.
91Issuer unavailable or switch inoperative (STIP not applicable or available for this transaction).
92Destination cannot be found for routing.
93Transaction cannot be completed, violation of law.
94Duplicate transmission
95Reconcile error
96System malfunction, System malfunction or certain field error conditions
B1Surcharge amount not permitted on Visa cards (U.S. acquirers only)
N0orce STIP
N3Cash service not available
N4Cashback request exceeds issuer limit
N7Decline for CVV2 failure
P2Invalid biller ination
P5PIN change/unblock request declined
P6Unsafe PIN
Q1Card authentication failed
R0Stop payment order
R1Revocation of authorization order
R3Revocation of all authorizations order
XAForward to issuer
XDForward to issuer
Z3Unable to go online