RESPONSE CODES | MEANINGS | Escalation Required | Notes |
|---|---|---|---|
06 | Card-issuing bank detected an error | Yes | If recurring look out for infrastructure related challenges especially around the database / delays from the bank. |
20 | Invalid Response from Financial Institution | Yes | |
21 | No Action Taken by Financial Institution | Yes | Port capacity filled up due to fep delay in response. escalate to the bank with samples showing delays so they can investigate |
22 | Suspected Malfunction | Yes | |
69 | Advice received too late | TBD (DB related - Slowness - 10s timeouts) | |
91 | Issuer or Switch Inoperative | Yes | Advise bank to restart their bank cashout service |
91s with res 55 seconds | Issuer or Switch Inoperative | Issuer or Switch Inoperative | Super Agent is getting no response from DCIR, check that VPN tunnel is up if transaction does not get to Rest service |
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
Transaction Response Codes
Code | Description |
00 | Approved or completed successfully |
01 | Refer to card issuer |
02 | Refer to card issuer, special condition |
03 | Invalid merchant |
04 | Pick-up card |
05 | Do not honor |
06 | Error |
07 | Pick-up card, special condition |
08 | Honor with identification |
09 | 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 | Customer cancellation |
18 | Customer dispute |
19 | Re-enter transaction |
20 | Invalid response |
21 | No action taken |
22 | Suspected malfunction |
23 | Unacceptable transaction fee |
24 | File update not supported |
25 | Unable to locate record |
26 | Duplicate record |
27 | File update field edit error |
28 | File update file locked |
29 | File update failed |
30 | Format error |
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, pick-up |
42 | No universal account |
43 | Stolen card, pick-up |
44 | No investment account |
45 | Account closed |
46 | Identification required |
47 | Identification cross-check required |
51 | Not sufficient funds |
52 | No check account |
53 | No savings account |
54 | Expired card |
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 |
69 | Advice received too late |
75 | PIN tries exceeded |
76 | Reserved for future Postilion use |
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 | System malfunction |
97 | Reserved for future Postilion use |
98 | Exceeds cash limit |