Card Deposit Provider Response Codes

PXP Financial Payment Service provides response codes for both authorised and refused credit card payments. These codes are mapped from the Scheme response and based on ISO 8583 Response Codes. They are returned in the ProviderResponseCode and ProviderResponseDescription fields as detailed here.

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Original Scheme Response Code
When it is necessary to consume the unmapped response code from the Schemes, merchants can opt to also receive the OriginalISOResponseCode field in the initiatePaymentResponse. The list of values corresponding to this field can be found further below on this page for Visa and MasterCard respectively.
Please note, this applies for Visa and MasterCard through CQRUK and AIB. For other Schemes, please contact our technical team for advice.

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MasterCard and Visa Ecosystem Integrity
Both MasterCard and Visa have introduced additional rules and guidance around how to manage different kinds of transaction declines. For both, when the requirements are not adhered to, there will be fines which are levied for non-compliant behaviour.
More information can be found here for MasterCard and Visa respectively.

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

Visa Response Codes

Code	Description
0	Approved and completed successfully
1	Refer to card issuer
2	Refer to card issuer, special condition
3	Invalid merchant
4	Pick up card (no fraud)
5	Do not honor
6	Error
7	Pick up card, special condition (fraud account)
10	Partial approval
11	Approved (V.I.P)
12	Invalid transaction
13	Invalid amount or currency conversion field overflow
14	Invalid account number (no such number)
15	No such issuer
19	Re-enter transaction
21	No action taken
25	Unable to locate record in file
28	File temporarily not available for update or inquiry
39	No credit account
41	Lost card, pick up (fraud account)
43	Stolen card, pick up (fraud account)
46	Closed account
51	Not sufficient funds
52	No checking account
53	No savings account
54	Expired card or expiration date is missing
55	Incorrect PIN or PIN missing
57	Transaction not permitted to cardholder
58	Transaction not allowed at terminal
59	Suspected fraud
61	Exceeds approval amount limit
62	Restricted card (card invalid in this region or country)
63	Security violation (source is not correct issuer)
64	Transaction does not fulfill AML requirement
65	Exceeds withdrawal frequency limit
70	PIN data required
74	Different value than that used for PIN encryption errors
75	Allowable number of PIN entry tries exceeded
76	Unsolicited reversal
78	“Blocked, first used”—Transaction from new cardholder, and card not properly unblocked
79	Already reversed (by Switch)
80	No financial impact
81	Cryptographic error found in PIN
82	Negative CAM, dCVV, iCVV, or CVV results
85	No reason to decline a request for address verification, CVV2 verification, or a credit voucher or merchandise return
86	Cannot verify PIN; for example, no PVV
91	Issuer or switch inoperative and STIP not applicable or not available for this transaction; Time-out when no stand-in; POS Check Service: Destination unavailable; Credit Voucher and Merchandise Return Authorizations: V.I.P. sent the transaction to the issuer, but the issuer was unavailable.
92	Financial institution or intermediate network facility cannot be found for routing (receiving institution ID is invalid)
93	Transaction cannot be completed - violation of law
94	Duplicate transmission
96	System malfunction
1A	Additional customer authentication required
6P	Verification data failed
B1	Surcharge amount not permitted on Visa cards or EBT food stamps (U.S. acquirers only)
N0	Force STIP
N3	Cash service not available
N4	Cash request exceeds issuer or approved limit
N7	Decline for CVV2 failure
N8	Transaction amount exceeds preauthorized approval amount
P5	Denied PIN unblock—PIN change or unblock request declined by issuer
P6	Denied PIN change—requested PIN unsafe
Q1	Card Authentication failed
R0	Stop Payment Order
R1	Stop all future payments
R2	Transaction does not qualify for Visa PIN
R3	Revocation of all authorizations order
Z3	Unable to go online; offline-declined

MasterCard Response Codes

Value	Description
0	Approved or completed successfully
1	Refer to card issuer
3	Invalid merchant
4	Capture card
5	Do not honor1
8	Honor with ID
10	Partial Approval
12	Invalid transaction
13	Invalid amount
14	Invalid card number
15	Invalid issuer
30	Format error
41	Lost card
43	Stolen card
51	Insufficient funds/over credit limit
54	Expired card
55	Invalid PIN
57	Transaction not permitted to issuer/cardholder2
58	Transaction not permitted to acquirer/terminal
61	Exceeds withdrawal amount limit3
62	Restricted card
63	Security violation
65	Exceeds withdrawal count limit OR Identity Check Soft-Decline of EMV 3DS Authentication (merchant should resubmit authentication with 3DSv1)4
70	Contact Card Issuer
71	PIN Not Changed
75	Allowable number of PIN tries exceeded
76	Invalid/nonexistent “To Account” specified
77	Invalid/nonexistent “From Account” specified
78	Invalid/nonexistent account specified (general)
79	Life cycle (Mastercard use only)
81	Domestic Debit Transaction Not Allowed (Regional use only)5
82	Policy (Mastercard use only)
83	Fraud/Security (Mastercard use only)
84	Invalid Authorization Life Cycle
85	Not declined
	Valid for all zero amount transactions.
86	PIN Validation not possible
87	Purchase Amount Only, No Cash Back Allowed
88	Cryptographic failure
89	Unacceptable PIN—Transaction Declined—Retry
91	Authorization System or issuer system inoperative
92	Unable to route transaction
94	Duplicate transmission detected
96	System error