Merchant e-Solutions Authorization Responses (as defined by Visa and MC)

Merchant e-Solutions Authorization Responses (as defined by Visa and MC):

 

Note: All American Express and Discover responses come from the Visa Network. Note: Payment Gateway will always return a 3 digit response code, all responses below will be preceeded by a zero.

 

Merchant e-Solutions Payment Gateway Error Code 0XX

Description = Authorization request failed. xx = Authorization Response Code.

Required Action = Action determined by authorization host response code see MeS Authorization Responses*

 

 

MeS Authorization Responses*

 

Visa Authorization Response Codes		MasterCard Authorization Response Codes
Code	Definition	Code	Definition
00	Successful approval/completion or that V.I.P. PIN verification is valid	00	Approved or completed successfully
01	Refer to card issuer	01	Refer to card issuer
02	Refer to card issuer, special condition	03	Invalid merchant
03	Invalid merchant or service provider	04	Capture card
04	Pickup card	05	Do not honor
05	Do not honor	08	Honor with ID
06	Error	10	Partial Approval
07	Pickup card, special condition (other than lost/stolen card)	12	Invalid transaction
10	Partial Approval	13	Invalid amount
11	V.I.P. approval	14	Invalid card number
12	Invalid transaction	15	Invalid issuer
13	Invalid amount (currency conversion field overflow); or amount exceeds maximum for card program	30	Format error. This response may also be returned on a Verification only request when the transaction type is not supported by the issuer.
14	Invalid account number (no such number)	41	Lost card
15	No such issuer	43	Stolen card
19	Re-enter transaction	51	Insufficient funds/over credit limit
21	No action taken (unable to back out prior transaction)	54	Expired card
25	Unable to locate record in file, or account number is missing from the inquiry	55	Invalid PIN
28	File is temporarily unavailable	57	Transaction not permitted to issuer/cardholder. This response may also be returned on a Verification only request when the transaction type is not supported by the issuer.
41	Pickup card (lost card)	58	Transaction not permitted to acquirer/terminal
43	Pickup card (stolen card)	61	Exceeds withdrawal amount limit
51	Insufficient funds	62	Restricted card
52	No checking account	63	Security violation
53	No savings account	65	Exceeds withdrawal count limit
54	Expired card	70	Contact Card Issuer
55	Incorrect PIN	71	PIN Not Changed
57	Transaction not permitted to cardholder	75	Allowable number of PIN tries exceeded
58	Transaction not allowed at terminal	76	Invalid/nonexistent "To Account" specified
59	Suspected fraud	77	Invalid/nonexistent "From Account" specified

61	Activity amount limit exceeded	78	Invalid/nonexistent account specified (general)
62	Restricted card (for example, in Country Exclusion table)	84	Invalid Authorization Life Cycle
63	Security violation	85	Not declined Valid for AVS only, Balance Inquiry, or SET cardholder certificate requests (Visa Only)
64	Transaction does not fulfill AML requirement	86	PIN Validation not possible
65	Activity count limit exceeded	87	Purchase Amount Only, No Cash Back Allowed
75	Allowable number of PIN-entry tries exceeded	88	Cryptographic failure
76	Unable to locate previous message (no match on Retrieval Reference number)	89	Unacceptable PIN-Transaction Declined-Retry
77	Previous message located for a repeat or reversal, but repeat or reversal data are inconsistent with original message	91	Authorization System or issuer system inoperative
78	"Blocked, first used" - The transaction is from a new cardholder, and the card has not been properly unblocked.	92	Unable to route transaction
80	Visa transactions: credit issuer unavailable. Private label and check acceptance: Invalid date	94	Duplicate transmission detected
81	PIN cryptographic error found (error found by VIC security module during PIN decryption)	96	System error
82	Negative CAM, dCVV, iCVV, or CVV results
85	No reason to decline a request for account number verification, address verification, CVV2 verification, or a credit voucher or merchandise return
86	Cannot Verify PIN
91	Issuer unavailable or switch inoperative (STIP not applicable or available for this transaction)
92	Destination cannot be found for routing
93	Transaction cannot be completed; violation of law
96	System malfunction System malfunction or certain field error conditions
B1	Surcharge amount not permitted on Visa cards (U.S. acquirers only)
N0	Force STIP
N3	Cash service not available
N4	Cashback request exceeds issuer limit
N7	Decline for CVV2 failure
P2	Invalid biller information
P5	PIN Change/Unblock request declined
P6	Unsafe PIN
R0	Stop Payment Order
R1	Revocation of Authorization Order
R3	Revocation of All Authorizations Order
Z3	Unable to go online; declined
XA	Forward to issuer
XD	Forward to issuer