RESPONSE CODES
| Code | Meaning |
|---|---|
| 00 | Successful approval/completion or that VIP PIN verification is valid. |
| 01 | Refer to card issuer. |
| 02 | Refer to card issuer, special condition. |
| 03 | Invalid merchant or service provider. |
| 04 | Pickup. |
| 05 | Do not honor |
| 06 | General error |
| 07 | Pick up card, special condition (other than lost/stolen card). |
| 08 | Honor with identification. |
| 09 | Request in progress. |
| 10 | Partial approval. |
| 11 | VIP approval. |
| 12 | Invalid transaction. |
| 13 | Invalid amount (currency conversion field overflow) or amount exceeds maximum for card program. |
| 14 | Invalid account number (no such number) |
| 15 | No such issuer |
| 16 | Insufficient funds. |
| 17 | Customer cancellation. |
| 19 | Re-enter transaction. |
| 20 | Invalid response. |
| 21 | No action taken (unable to back out prior transaction). |
| 22 | Suspected Malfunction. |
| 25 | Unable to locate record in file, or account number is missing from the inquiry. |
| 28 | File is temporarily unavailable. |
| 30 | at error. |
| 41 | Merchant should retain card (card reported lost). |
| 51 | Merchant should retain card (card reported stolen). |
| 51 | Insufficient funds. |
| 52 | No checking account. |
| 53 | No savings account. |
| 54 | Expired card. |
| 55 | Incorrect PIN. |
| 57 | Transaction not permitted to cardholder. |
| 58 | Transaction not allowed at terminal. |
| 59 | Suspected fraud. |
| 61 | Activity amount limit exceeded. |
| 62 | Restricted card (for example, in country exclusion table). |
| 63 | Security violation. |
| 65 | Activity count limit exceeded. |
| 68 | Response received too late. |
| 75 | Allowable number of PIN-entry tries exceeded . |
| 76 | Unable to locate previous message (no match on retrieval reference number). |
| 77 | Previous 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. |
| 80 | Visa transactions: credit issuer unavailable. Private label and check acceptance: Invalid date. |
| 81 | PIN cryptographic error found (error found by VIC security module during PIN decryption). |
| 82 | Negative CAM, dCVV, iCVV, or CVV results. |
| 83 | Unable to verify PIN. |
| 85 | No reason to decline a request for account number verification, address verification, CVV2 verification; or a credit voucher or merchandise return. |
| 91 | Issuer unavailable or switch inoperative (STIP not applicable or available for this transaction). |
| 92 | Destination cannot be found for routing. |
| 93 | Transaction cannot be completed, violation of law. |
| 94 | Duplicate transmission |
| 95 | Reconcile error |
| 96 | System malfunction, System malfunction or certain field error conditions |
| B1 | Surcharge amount not permitted on Visa cards (U.S. acquirers only) |
| N0 | orce STIP |
| N3 | Cash service not available |
| N4 | Cashback request exceeds issuer limit |
| N7 | Decline for CVV2 failure |
| P2 | Invalid biller ination |
| P5 | PIN change/unblock request declined |
| P6 | Unsafe PIN |
| Q1 | Card authentication failed |
| R0 | Stop payment order |
| R1 | Revocation of authorization order |
| R3 | Revocation of all authorizations order |
| XA | Forward to issuer |
| XD | Forward to issuer |
| Z3 | Unable to go online |