RESPONSE CODES | MEANINGS | Escalation Required |
|---|---|---|
06 | Card-issuing bank detected an error | Yes |
20 | Invalid Response from Financial Institution | Yes |
21 | No Action Taken by Financial Institution | Yes |
22 | Suspected Malfunction | Yes |
69 | Advice received too late | TBD (DB related - Slowness - 10s timeouts) |
91 | Issuer or Switch Inoperative | Yes |
92 | Routing Error | Yes |
96 | System Malfunction | Yes |
51 | Not sufficient funds | NO |
53 | No savings account | NO |
55 | Incorrect PIN | NO |
57 | Transaction not permitted to cardholder | YES |
61 | Exceeds Withdrawal Limit | NO |
65 | Exceeds withdrawal frequency | NO |
75 | PIN tries exceeded | NO |
Please see Appendix below for all transaction response codes
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