Online payment response codes

Modified on Fri, 27 Feb at 8:47 AM

Response Codes

Approval Codes

00 Approved
08 Approved

Decline Codes

01 Refer to Card Issuer	Account may be overdrawn or frozen	Contact cardholder
02 Refer to Issuer’s Special Conditions	Not generally used for CNP transactions	Contact cardholder to confirm details
03 Invalid Merchant	Possible problem in Bank systems	Retry transaction or contact Bank
04 Pick Up Card	Account may be frozen due to fraud reported on card or other security reason	Contact cardholder to confirm details
05 Do Not Honour	Account may be overdrawn or frozen	Contact cardholder to confirm details
06 Error	Possible transfer problem in network	Check transaction data and try again
07 Pick Up Card, Special Conditions	“Pick up” response used generically	Contact cardholder to confirm details
12 Invalid Transaction	Possible error in card issuer system	Check transaction data and try again
13 Invalid Amount	Generally not used for CNP transactions	Check transaction data and try again
14 Invalid Card Number	Card number may be incorrect	Check transaction data and try again
15 No Such Issuer	Card number may be incorrect	Check transaction data and try again
17 Customer Cancellation	Generally not used for CNP transactions	Contact cardholder to confirm details
18 Customer Dispute	Generally not used for CNP transactions	Contact cardholder to confirm details
19 Re-enter Transaction	Generally not used for CNP transactions	Check transaction data and try again
20 Invalid Response	Generally not used for CNP transactions	Check transaction data and try again
21 No Action Taken	Possible transfer problem in network	Check transaction data and try again
22 Suspected Malfunction	Generally not used for CNP transactions	Check transaction data and try again
24 File Update not Supported by Receiver	Generally not used for CNP transactions	Retry transaction or contact Bank
25 Unable to Locate Record on File	Generally not used for CNP transactions	Check transaction data and try again
26 Duplicate File Update Record	Generally not used for CNP transactions	Check transaction data and try again
27 File Update Field Edit Error	Generally not used for CNP transactions	Check transaction data and try again
28 File Update File Locked Out	Generally not used for CNP transactions	Check transaction data and try again
29 File Update not Successful	Generally not used for CNP transactions	Check transaction data and try again
30 Format Error	Possible transfer problem in network	Check transaction data and try again
31 Bank not Supported by Switch	Possible transfer problem in network	Retry transaction or contact Bank
33 Expired Card—Pick Up	“Pick up” response used generically	Contact cardholder to confirm details
34 Suspected Fraud—Pick Up	“Pick up” response used generically	Contact cardholder to confirm details
35 Contact Acquirer—Pick Up	“Pick up” response used generically	Contact cardholder to confirm details
36 Restricted Card—Pick Up	“Pick up” response used generically	Contact cardholder to confirm details
37 Call Acquirer Security—Pick Up	“Pick up” response used generically	Contact cardholder to confirm details
39 No CREDIT Account	Card may be invalid or account closed	Retry transaction or contact Bank
43 Stolen Card—Pick Up	“Pick up” response used generically	Contact cardholder to confirm details
44 No Investment Account	Generally for EFTPOS only	Retry transaction or contact Bank
51 Insufficient Funds	Account may be overdrawn	Contact cardholder or retry next day
54 Expired Card	Card may have been replaced – this can occur even for recurring transactions if a new card number has been issued	Contact cardholder to confirm details
56 No Card Record	Account may be closed or card invalid	Contact cardholder to confirm details
57 Trans. not Permitted to Cardholder	Card issuer systems have deemed the transaction to be an unacceptable risk	Contact cardholder to confirm details
58 Transaction not Permitted to Terminal	Card issuer systems have deemed the transaction to be an unacceptable risk	Do not retry – contact Bank
59 Suspected Fraud	Card issuer systems have deemed the transaction to be an unacceptable risk	Contact cardholder to confirm details
60 Card Acceptor	Contact Acquirer Card issuer systems have deemed the transaction to be an unacceptable risk	Do not retry – contact Bank
62 Restricted Card	Account may be ‘frozen’ due to fraud reported on card or other security reason	Contact cardholder to confirm details
63 Security Violation	Account may be ‘frozen’ due to fraud reported on card or other security reason	Do not retry – contact Bank
64 Original Amount Incorrect	Generally not used for CNP transactions	Check transaction data and try again
66 Card Acceptor Call Acquirer Security	Account may be ‘frozen’ due to fraud reported on card or other security reason	Do not retry – contact Bank
68 Response Received Too Late	Possible transfer problem in network	Retry transaction
91 Issuer or Switch is Inoperative	Possible transfer problem in network	Retry transaction or contact Bank
92 Financial Institution not Found	Possible transfer problem in network	Retry transaction or contact Bank
93 Trans Cannot be Completed	Possible transfer problem in network	Retry transaction or contact Bank
96 System Malfunction	Possible problem in Bank systems	Retry transaction
100 Invalid Transaction Amount	If payment transaction amount is non-integer, negative, or zero	Correct the transaction amount & retry
101 Invalid Card Number	If credit card number contains characters other digits, or bank does not recognize this number as a valid credit card number	Correct the card number & retry
102 Invalid Expiry Date Format	If expiry date does not follow the format MM/YY or contains an invalid date	Correct the expiry date & retry
103 Invalid Purchase Order	If purchase order is an empty string	Correct the Transaction Reference & retry
104 Invalid Merchant ID	If Merchant ID does not follow the format XXXDDDD, where X is a letter and D is a digit, or Merchant ID is not found in Bank’s database.	Correct the Merchant ID/Client ID & retry
106 Card type unsupported	Merchant is not configured to accept payment from this particular Credit Card type	Check that you are enabled for this particular card type (e.g. Amex, Diners) – contact Bank
109 Invalid credit card CVV number format	CVV Number contains character other than digits or contains more than 6 characters	Correct the CVV & retry
110 Unable To Connect To Server	Produced by Bank Client API when unable to establish connection to Bank Payment Gateway	Retry transaction or contact Bank
111 Server Connection Aborted During Transaction	Produced by Bank Client API when connection to Bank Payment Gateway is lost after the payment transaction has been sent	Retry transaction or contact Bank
112 Transaction timed out By Client	Produced by Bank Client API when no response to payment transaction has been received from Bank Payment Gateway within predefined time period (default 80 seconds)	Retry transaction or contact Bank
113 General Database Error	Payment Gateway was unable to read or write information to the database while processing the transaction	Retry transaction or contact Bank
114 Error loading properties file	Payment Gateway encountered an error while loading configuration information for this transaction	Retry transaction or contact Bank
115 Fatal Unknown Server Error	Transaction could not be processed by the Payment Gateway due to unknown reasons	Retry transaction or contact Bank
116 Function unavailable through Bank	The bank doesn’t support the requested transaction type	Retry transaction or contact Bank
117 Message Format Error	Bank Payment Gateway couldn’t correctly interpret the transaction message sent	Retry transaction or contact Bank
118 Unable to Decrypt Message	Bank’s security methods were unable to decrypt the message	Retry transaction or contact Bank
119 Unable to Encrypt Message	Bank’s security methods were unable to encrypt the message	Retry transaction or contact Bank
123 Gateway Timeout	Produced by Bank Payment Gateway when no response to the transaction has been received from bank gateway within predefined time period	Contact Bank – do not retry transaction
124 Gateway Connection Aborted During Transaction	Produced by Bank Payment Gateway when connection to bank gateway is lost after the payment transaction has been sent	Contact Bank – do not retry transaction
125 Unknown Error Code	Produced by the bank gateway, textual description of the actual problem is stored in the database	Contact Bank – do not retry transaction
126 Unable to Connect to Gateway	Bank Payment Gateway couldnt establish a connection to Bank Gateway	Contact Bank – do not retry transaction
131 Invalid Number Format	A sting entered cannot be parsed as an integer. I.e. string must contain only digits, or preceding ‘ -‘ sign Correct the integer string and retry 132 Invalid Date Format Date entered does not follow the format DD/MM/YYYY, where DD is the 2 -digit day of the month, MM is the 2 –digit month number, and YYYY is the 4 -digit year number; also if month is < 1 or > 12, or date is < 0 or > maximum days in that month	Correct the date & retry
133 Transaction for refund not in database	Refund operation requested, and the original approved transaction is not found in the database	Correct the Transaction Reference and/or Bank Transaction ID and retry
134 Transaction already fully refunded/ Only $x.xx available for refund	Refund operation is requested, and the given transaction has already been fully or partially refunded	The transaction cannot be processed
135 Transaction for reversal not in database	Reversal operation requested, and the original approved transaction is not found in the database	The transaction cannot be processed
136 Transaction already reversed	Reversal operation requested, and the given transaction has already been reversed	The transaction cannot be processed
137 Pre-auth transaction not found in database	Complete operation requested, and the matching approved pre-auth transaction is not found in the database	Correct the Transaction Reference and/or Pre-auth code and retry
138 Pre-auth already completed	Complete operation requested, and the given pre-auth has already been completed	The transaction cannot be processed
139 No authorisation code supplied	Client performing Complete transaction did not provide Pre- auth Code from original pre-auth transaction	Correct the Pre-auth code and retry
140 Partially refunded, Do refund to complete	Reversal operation is requested, and the given transaction has already been partially refunded
141 No transaction ID supplied	Client performing refund/Reversal transaction did not provide original Bank Transaction ID	Correct the Bank Transaction ID and retry
142 Pre-auth was done for smaller amount	Complete operation was requested but the amount specified is greater the pre-authorised amount	Correct the amount & retry
143 Payment amount smaller than minimum	The payment amount was smaller than the minimum accepted by the merchant	Correct the amount & retry or contact Bank to change minimum payment amount
144 Payment amount greater than maximum	The payment amount was greater than the maximum accepted by the merchant	Correct the amount & retry or contact Bank to change minimum payment amount
145 System maintenance in progress	The system maintenance is in progress and the system is currently unable to process transactions
146 Duplicate Payment Found	The system located a transaction that seems to be a duplicate of the current attempt. Transaction is not passed to bank, and customer should contact their merchant before making payment. (Used in SecureBill/IVR only at present)
147 No Valid MCC Found	The merchant does not have a valid MCC (Merchant Category Code) set up to complete this transaction (Refers to Recurring transactions only at present).
148 Invalid Track 2 Data	If track 2 Data is invalid length
149 Track 2 Data Not Supplied	Track 2 Data was not supplied and the transaction cannot be complete (Refers to Card Present transactions only at present).
151 Invalid Currency Code	The Currency Code supplied does not match the format required by BankTransact. Check the list of accepted currency codes.
152 Multi-currency not supported by bank	The financial institution used for this payment only accepts payments in Australian dollars (AUD).	Contact Bank if you believe your facility should support non-AUD processing
153 External Database Error	A database error has occurred outside the Bank Transact Payment Server	Contact Bank – do not retry
157 Fraud Check Passed	Fraud check successful. No suspected fraud.
158 Fraud Check Error	Cannot evaluate transaction for fraud.
159 Suspected Fraud	Transaction suspected to be fraudulent
160 Cardholder could not be authenticated	Customer entered their Verified by Visa or MasterCard SecureCode password incorrectly, or an error occurred while authenticating the customer.
175 No Action Taken	The payment was held in the processing queue too long and was rejected without processing. Usually a symptom of slow bank responses. Additional terminal IDs may help solve this problem if it occurs frequently.	Contact Bank – do not retry
176 Merchant Not Enrolled in 3D Secure	Please call BankTransact to be added to our 3D Secure service.
177 Unable to connect to MPI for 3D Secure	An internal connectivity error occurred preventing 3D Secure authentication at this time.
178 3D Secure MPI Configuration Error	An internal connectivity error occurred preventing 3D Secure authentication at this time.
179 User Cancelled Payment	The user chose to exit the payment process before completion.
190 Merchant Gateway Not Configured	The gateway for the merchant has been reserved, but not yet configured to be live by Bank staff.	Contact Bank
195 Merchant Gateway Disabled	Bank has disabled the merchant gateway.	Contact Bank
199 Merchant Gateway Discontinued	Bank has discontinued the merchant gateway.	Contact Bank
504 Invalid Merchant ID	If Merchant ID does not follow the format XXXDDDD, where X is a letter and D is a digit or Merchant ID is not found in Bank database.	Check transaction data and try again
505 Invalid URL	The URL passed to either the Echo, Query, or Payment object is invalid.	Check transaction data and try again
510 Unable To Connect To Gateway	Produced by the Bank Client API when unable to establish connection to the Bank Payment Gateway	Retry transaction. Contact Bank if still not working.
511 Gateway Connection Aborted During Transaction	Produced by the Bank Client API when connection to the Bank Payment Gateway is lost after the payment transaction has been sent	Retry transaction. Contact Bank if still not working.
512 Transaction timed out by the Client API	Produced by the Bank Client API when no response to the payment transaction has been received from the Bank Payment Gateway within the predefined time period (default 80 seconds)	Retry transaction. Contact Bank if still not working.
513 General Database Error	Unable to read information from the database. Retry transaction.	Contact Bank if still not working.
514 Error loading properties	The Payment Gateway encountered an error while loading configuration information for this transaction	Check transaction data and try again
515 Fatal Unknown Error	Transaction could not be processed by the Payment Gateway due to unknown reasons	Check transaction data and try again
516 Request type unavailable	The Bank Payment Gateway does not support the requested transaction type	Check transaction data and try again. Contact Bank if still not working.
517 Message Format Error	The Bank Payment Gateway could not correctly interpret the transaction message sent	Retry transaction. Contact Bank if still not working.
524 Response not received	The client could not receive a response from the Payment Gateway	Retry transaction. Contact Bank if still not working.
545 System maintenance in progress	The system maintenance is in progress and the system is currently unavailable and unable to process transactions	Retry transaction. Contact Bank if still not working.
550 Invalid password	The Client API has attempted to process a request with an invalid password.	Check transaction data and try again
575 Not implemented	This functionality has not yet been implemented	Check transaction data and try again
577 Too Many Records for Processing	The maximum number of allowed events in a single message has been exceeded.	Check transaction data and try again
580 Process method has not been called	The process method on either the Echo, Payment or Query object has not been called	Check transaction data and try again
594 Duplicate Transmission	A transaction with the same details has already been processed.
595 Merchant Disabled	Bank has disabled the merchant and the requests from this merchant will not be processed.	Contact Bank

Issuer Decline Codes and Text Comments Action

Response Code and Text Description Action