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 |
80 | Network error |
81 | Foreign network failure |
82 | Time-out at IEM |
83 | Transaction failed |
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 |
Updated 12 months ago