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 CodeResponse Message
0Approved or completed successfully
1Refer to card issuer
2Refer to card issuer's special condition
3Invalid merchant
5Do NOT honor (REFUSED)
7Pick-up card, special condition
8HONOUR with identification
9Request in progress
10Approved for partial amount
11Approved (VIP)
12Invalid transaction
13Invalid amount
14Invalid card number (no such number)
15Unable to route to IEM
16Approved, update track 3
17Customer cancellation
18Customer dispute
19Re-enter transaction
20Invalid response
21No action taken
22Suspected malfunction
23Unacceptable transaction fee
24File update not supported by receiver
25Unable to locate record on file
26Duplicated file update record, old record replaced
27File update field edit error
28File update locked out
29File update not successful, contact acquirer
30Format error
31Issuer sign-off
32Completed partially
33Expired card
34Suspected fraud
35Card acceptor contact acquirer
36Restricted card
37Card acceptor call acquirer security
38Allowable PIN tries exceeded
39No credit account
40Request function not supported
41Lost card
42Universal account
43Stolen card
44No investment account
45Reserved for ISO use
46Reserved for ISO use
47Reserved for ISO use
48Reserved for ISO use
49Reserved for ISO use
50Reserved for ISO use
51Not sufficient funds
52No chequing account
53No savings account
54Expired card
55Incorrect PIN
56No card record
57Transaction not permitted to cardholder
58Transaction not permitted to terminal
59Suspected fraud
60Card acceptor contact acquirer
61Exceeds withdrawal amount limit
62Restricted card
63Security violation
64Original amount incorrect
65Exceeds withdrawal frequency limit OR Soft Decline: Additional Authentication Required
66Card acceptor call acquirer's security department
67Card to be picked up at ATM
68Response received too late
69Reserved for ISO use
70Reserved for ISO use
71Reserved for ISO use
72Reserved for ISO use
73Reserved for ISO use
74Reserved for ISO use
75Allowable number of PIN tries exceeded
76Card Blocked
77Reserved from private use
78Reserved from private use
79Reserved from private use
Lifecycle Mastercard use only
80Network error
81Foreign network failure
82Time-out at IEM
Policy Mastercard use only
83Transaction failed
Security Mastercard use only
84Reserved from private use
85Reserved from private use
86PIN validation not possible
87Reserved from private use
88Cryptographic failure
89Authentication failure
90Cut OFF is in process
91Issuer or switch is inoperative
92Unable to route at AEM
93Transaction cannot be completed. Violation of law
94Duplicate transmission
95Reconcile error
96System malfunction
97to be defined
98to be defined
99to be defined
100to be defined