List of authorization return codes
Returned codes for SEPA Credit Transfer:
| Codes | Description |
|---|---|
| 00 | The payment is accepted. |
| 80 | AC01: The account number is either invalid or does not exist. Incorrect IBAN/BIC, or account currency different from euro. |
| 81 | AC04: The account is closed and cannot be used. |
| 82 | AC06: The account is blocked and cannot be used. |
| 83 | AG01: Transaction forbidden for this type of account. E.g.: savings account. |
| 84 | AM18: The number of transactions exceeds the acceptance limit of the Account Servicing Payment Service Provider (ASPSP). |
| 85 | CH03: The requested execution date is too far in the future. |
| 86 | CUST: The reject is due to the debtor: refusal or insufficient funds. |
| 87 | DS02: An authorized user has cancelled the order. |
| 88 | FF01: The reject is due to the original payment request which is invalid (syntax, structure or values). |
| 89 | FRAD: The payment request is considered as fraudulent. |
| 90 | MS03: No reason specified by the Account Servicing Payment Service Provider (ASPSP). |
| 91 | NOAS: The PSU has neither accepted nor rejected the payment request and the time-out period has expired. |
| 92 | RR01: The account and/or debtor identification is missing or inconsistent. |
| 93 | RR03: Specification of the creditor’s name and/or address needed for regulatory requirements is incomplete or missing. |
| 94 | RR04: Rejection for regulatory reasons. |
| 95 | RR12: Invalid or missing identification required for a particular country or payment type. |
| 96 | DUPL: Duplicate operation. |
| 97 | TECH: Technical error |
Codes returned by the CB network:
| Value | Description | Value | Description |
|---|---|---|---|
| 00 | Approved or successfully processed transaction | 54 | Expired card |
| 02 | Contact the card issuer | 55 | Incorrect secret code |
| 03 | Invalid acceptor | 56 | Card absent from the file |
| 04 | Keep the card | 57 | Transaction not allowed for this cardholder |
| 05 | Do not honor | 58 | Transaction not allowed for this cardholder |
| 07 | Keep the card, special conditions | 59 | Suspected fraud |
| 08 | Confirm after identification | 60 | The acceptor of the card must contact the acquirer |
| 12 | Incorrect Transaction Code | 61 | Withdrawal limit exceeded |
| 13 | Invalid amount | 63 | Security rules unfulfilled |
| 14 | Invalid cardholder number | 65 | Exceeded number of withdrawals |
| 15 | Unknown issuer | 68 | Response not received or received too late |
| 17 | Canceled by the buyer | 75 | Number of attempts for entering the secret code has been exceeded |
| 19 | Retry later | 76 | The cardholder is already blocked, the previous record has been saved |
| 20 | Incorrect response (error on the domain server) | 78 | Transaction blocked, first transaction on card not properly unblocked |
| 24 | Unsupported file update | 80 | Contactless payment is not accepted by the issuer |
| 25 | Unable to locate the registered elements in the file | 81 | Unsecured payment is not accepted by the issuer |
| 26 | Duplicate registration, the previous record has been replaced | 82 | CVV, dCVV, iCVV incorrect |
| 27 | File update edit error | 83 | Revocation of all recurring payments for the card |
| 28 | Denied access to file | 84 | R1 - Revocation of recurring payment for the card of a specific Merchant or for the MCC and the card |
| 29 | Unable to update | 86 | 6P - Failure of the issuer to verify the data |
| 30 | Format error | 88 | A4 - Misuse of the TRA exemption |
| 31 | Unknown acquirer company ID | 90 | Temporary shutdown |
| 33 | Expired card | 91 | Unable to reach the card issuer |
| 34 | Suspected fraud | 94 | Duplicate transaction |
| 38 | Expired card | 96 | System malfunction |
| 41 | Lost card | 97 | Overall monitoring timeout |
| 43 | Stolen card | 98 | Server not available, new network route requested |
| 46 | Customer account closed | 99 | Initiator domain incident |
| 51 | Insufficient balance or exceeded credit limit |
Codes returned by Amex Global acquirer:
| Code | Description |
|---|---|
| 000 | Approved |
| 001 | Approved with an ID |
| 002 | Partial approval (Prepaid Cards only) |
| 100 | Declined |
| 101 | Expired card / Invalid expiry date |
| 106 | Exceeded PIN entry attempts |
| 107 | Please Call Issuer |
| 109 | Invalid merchant |
| 110 | Incorrect Transaction Amount |
| 111 | Invalid account / Invalid MICR (Travelers Cheque) |
| 115 | Requested function not supported |
| 117 | Invalid PIN |
| 119 | Cardholder not enrolled / not allowed |
| 122 | Invalid card security code (a.k.a., CID, 4DBC, 4CSC) |
| 125 | Invalid effective date |
| 130 | Declined |
| 181 | Format error |
| 183 | Invalid currency code |
| 187 | Deny - New card issued |
| 189 | Deny - Account canceled |
| 200 | Deny - Pick up card |
| 900 | Accepted - ATC Synchronization |
| 909 | System malfunction (cryptographic error) |
| 912 | Issuer not available |
Codes returned by Elavon Europe acquirer:
| Code | Description |
|---|---|
| 0 | Approved, success |
| 1 | Refer To Card Issuer Client |
| 2 | Refer To Card Issuer, Special Condition |
| 3 | Invalid Merchant |
| 4 | Pick-Up Card |
| 5 | Do Not Honour |
| 6 | Error |
| 7 | Pick-Up Card, Special Condition |
| 8 | Honour With Identification |
| 9 | Request In Progress |
| 10 | Approved, Partial |
| 11 | Approved, VIP |
| 12 | Invalid Transaction |
| 13 | Invalid Amount |
| 14 | Invalid Card Number |
| 15 | No Such Issuer |
| 16 | Approved, Update Track 3 |
| 17 | Operator Cancelled |
| 18 | Customer Dispute |
| 19 | Re Enter Transaction |
| 22 | Suspected Malfunction |
| 23 | Unacceptable Transaction Fee |
| 24 | File Update Not Supported |
| 25 | Unable To Locate Record |
| 26 | Duplicate Record |
| 27 | File Update Edit Error |
| 28 | File Update File Locked |
| 30 | File Update Failed |
| 31 | Bank Not Supported |
| 32 | Completed Partially |
| 33 | Expired Card, Pick-Up |
| 34 | Suspected Fraud, Pick-Up |
| 35 | Contact Acquirer, Pick-Up |
| 36 | Restricted Card, Pick-Up |
| 37 | Call Acquirer Security, Pick-Up |
| 38 | PIN Tries Exceeded, Pick-Up |
| 39 | No Credit Account |
| 40 | Function Not Supported |
| 41 | Lost Card (Contact Bank) |
| 42 | No Universal Account |
| 43 | Stolen Card |
| 44 | No Investment Account |
| 51 | Not Sufficient Funds (Client To Contact Bank) |
| 52 | No Check Account |
| 53 | No Savings Account |
| 54 | Expired Card (Contact Bank) |
| 55 | Incorrect PIN |
| 56 | No Card Record |
| 57 | Transaction Not Permitted To Cardholder |
| 58 | Transaction Not Permitted On Terminal |
| 59 | Suspected Fraud |
| 60 | Contact Acquirer |
| 61 | Exceeds Withdrawal Limit |
| 62 | Restricted card |
| 63 | Security Violation |
| 64 | Original Amount Incorrect |
| 65 | Exceeds Withdrawal Frequency |
| 66 | Call Acquirer Security |
| 67 | Hard Capture |
| 68 | Response Received Too Late |
| 75 | PIN Tries Exceeded |
| 77 | Intervene, Bank Approval Required |
| 78 | Intervene, Bank Approval Required For Partial Amount |
| 90 | Cut-Off In Progress |
| 91 | Issuer Or Switch Inoperative |
| 92 | Routing Error |
| 93 | Violation Of Law |
| 94 | Duplicate Transaction |
| 95 | Reconcile Error |
| 96 | Communication System Malfunction |
| 97 | Communication Error - Cannot Connect To FNB |
| 98 | Exceeds Cash Limit |
| 76 | Approved Country Club |
| 79 | Approved Administrative Transaction |
| 80 | Approved National Negative File Hit OK |
| 81 | Approved Commercial |
| 82 | No Security Module |
| 83 | Maximum Refund credit Limit exceeded |
| 84 | No PBF |
| 85 | PBF Update Error |
| 86 | Invalid Authorisation Type |
| 87 | Bad Track 2 |
| 88 | PTLF Error |
| 89 | Invalid Route Service |
| 110 | 1A Soft Decline requesting 3D Secure Version 2 authentication on an unsecured ecommerce transaction |
Codes returned by the GICC
network:
| Code | Description |
|---|---|
| 0 | Approved or completed successfully |
| 2 | Call Voice-authorization number; Initialization Data |
| 3 | Invalid merchant number |
| 4 | Retain card |
| 5 | Authorization declined |
| 10 | Partial approval |
| 12 | Invalid transaction |
| 13 | Invalid amount |
| 14 | Invalid card |
| 21 | No action taken |
| 30 | Format Error |
| 33 | Card expired |
| 34 | Suspicion of manipulation |
| 40 | Requested function not supported |
| 43 | Stolen card, pick up |
| 55 | Incorrect personal identification number |
| 56 | Card not in authorizer's database |
| 58 | Terminal ID unknown |
| 62 | Restricted card |
| 78 | Stop payment order |
| 79 | Revocation of authorization order |
| 80 | Amount no longer available |
| 81 | Message-flow error |
| 91 | Card issuer temporarily not reachable |
| 92 | The card type is not processed by the authorization center |
| 96 | Processing temporarily not possible |
| 97 | Security breach - MAC check indicates error condition |
| 98 | Date and time not plausible |
| 99 | Error in PAC encryption detected |
Codes returned by the ONEY_API network:
| Code | Description |
|---|---|
| 0 | Awaiting acceptance by Oney |
| 1 | Payment rejected by Oney |
| 2 | Payment accepted by Oney |
| 3 | Payment abandoned |
| 4 | Payment canceled |
| 99 | Unknown error |
Codes returned by the PayPal network:
| Code | Description |
|---|---|
| 0 | Transaction accepted |
| 10001 | Internal error |
| 10002 | Restricted Account |
| 10009 | Transaction refused for one of the following
reasons:
|
| 10422 | Customer must choose new funding sources. The customer must return to PayPal to select new funding sources. |
| 10486 | This transaction couldn't be completed. Please redirect your customer to PayPal. |
| 13113 | The Buyer cannot pay with PayPal for this transaction. Inform the buyer that PayPal declined the transaction and to contact PayPal Customer Service. |
