List of authorization request return codes

The return codes of the authorization request are returned by the issuing bank (if available).

Codes returned by the CB network:
Value Description Grounds of fraud Value Description Grounds of fraud
00 Approved or successfully processed transaction   43 Stolen card YES
02 Contact the card issuer   51 Insufficient balance or exceeded credit limit  
03 Invalid acceptor YES 54 Expired card YES
04 Keep the card YES 55 Incorrect secret code  
05 Do not honor YES 56 Card absent from the file YES
07 Keep the card, special conditions YES 57 Transaction not allowed for this cardholder YES
08 Confirm after identification   58 Transaction not allowed for this cardholder  
12 Incorrect Transaction Code YES 59 Suspected fraud YES
13 Incorrect Transaction Amount YES 60 The acceptor of the card must contact the acquirer  
14 Invalid cardholder number YES 61 Withdrawal limit exceeded  
15 Unknown issuer YES 63 Security rules unfulfilled YES
17 Canceled by the buyer   68 Response not received or received too late  
19 Retry later   75 Number of attempts for entering the secret code has been exceeded  
20 Incorrect response (error on the domain server)   76 The cardholder is already blocked, the previous record has been saved YES
24 Unsupported file update   80 Contactless payment is not accepted by the issuer YES
25 Unable to locate the registered elements in the file   81 Unsecured payment is not accepted by the issuer YES
26 Duplicate registration, the previous record has been replaced   82 Revocation of recurring payment for the card of a specific Merchant or for the MCC and the card YES
27 File update edit error   83 Revocation of all recurring payments for the card YES
28 Denied access to file   90 Temporary shutdown  
29 Unable to update   91 Unable to reach the card issuer  
30 Format error   94 Duplicate transaction  
31 Unknown acquirer company ID YES 96 System malfunction  
33 Expired card YES 97 Overall monitoring timeout  
34 Suspected fraud YES 98 Server not available, new network route requested  
38 Expired card   99 Initiator domain incident  
41 Lost card YES