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)

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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