Card Deposit Provider Response Codes

Applicable for payment methods:

Visa Deposit (2)
Visa Debit Deposit (167)
ECMC Deposit (1)
ECMC Debit Deposit (168)
Maestro Deposit (73)
Mastercard PreAuthorisation (304)
Visa Estimated Authorisation (305)
Visa MultiCapture Authorisation (311)

🚧
MasterCard Decline Reason Code Service
Effective 2 November 2021, MasterCard will introduce a new Decline Reason Code Service for Card Not Present (CNP) payments.
This Service will provide enhanced information about transaction declines while mandating some changes to Issuer usage of the standard 05 – Do Not Honor responses.
More information can be found here.

PaymentService provides additional acquirer details in the case of the authorised or refused credit card deposit payment. The codes provided are based on ISO 8583 Response Codes.

Response Code	Response Message
0	Approved or completed successfully
1	Refer to card issuer
2	Refer to card issuer's special condition
3	Invalid merchant
4	Pick-up
5	Do NOT honor (REFUSED)
6	Error
7	Pick-up card, special condition
8	HONOUR with identification
9	Request in progress
10	Approved for partial amount
11	Approved (VIP)
12	Invalid transaction
13	Invalid amount
14	Invalid card number (no such number)
15	Unable to route to IEM
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 by receiver
25	Unable to locate record on file
26	Duplicated file update record, old record replaced
27	File update field edit error
28	File update locked out
29	File update not successful, contact acquirer
30	Format error
31	Issuer sign-off
32	Completed partially
33	Expired card
34	Suspected fraud
35	Card acceptor contact acquirer
36	Restricted card
37	Card acceptor call acquirer security
38	Allowable PIN tries exceeded
39	No credit account
40	Request function not supported
41	Lost card
42	Universal account
43	Stolen card
44	No investment account
45	Reserved for ISO use
46	Reserved for ISO use
47	Reserved for ISO use
48	Reserved for ISO use
49	Reserved for ISO use
50	Reserved for ISO use
51	Not sufficient funds
52	No chequing 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 to terminal
59	Suspected fraud
60	Card acceptor contact acquirer
61	Exceeds withdrawal amount limit
62	Restricted card
63	Security violation
64	Original amount incorrect
65	Exceeds withdrawal frequency limit OR Soft Decline: Additional Authentication Required
66	Card acceptor call acquirer's security department
67	Card to be picked up at ATM
68	Response received too late
69	Reserved for ISO use
70	Reserved for ISO use
71	Reserved for ISO use
72	Reserved for ISO use
73	Reserved for ISO use
74	Reserved for ISO use
75	Allowable number of PIN tries exceeded
76	Card Blocked
77	Reserved from private use
78	Reserved from private use
79	Reserved from private use Lifecycle Mastercard use only
80	Network error
81	Foreign network failure
82	Time-out at IEM Policy Mastercard use only
83	Transaction failed Security Mastercard use only
84	Reserved from private use
85	Reserved from private use
86	PIN validation not possible
87	Reserved from private use
88	Cryptographic failure
89	Authentication failure
90	Cut OFF is in process
91	Issuer or switch is inoperative
92	Unable to route at AEM
93	Transaction cannot be completed. Violation of law
94	Duplicate transmission
95	Reconcile error
96	System malfunction
97	to be defined
98	to be defined
99	to be defined
100	to be defined

🚧MasterCard Decline Reason Code Service

🚧
MasterCard Decline Reason Code Service