Card Processing Failure Codes

Instant Deposit (OCT) and Instant Funding (AFT) transaction declines will return a code in the error_message field as <action code>:<message>

{
    "http_status": 200,
    "error_code": "ERR_OCT_DECLINE",
    "error_message": "15:No such issuer"
}

{
    "http_status": 200,
    "error_code": "ERR_AFT_DECLINE",
    "error_message": "15:No such issuer"
}

Visa and Mastercard may return a different message for the same Action Code. With the exception of Action Codes 76-89, you can treat the response as the same regardless of message. Codes 76-89 should be handled according to the card type. See Action Codes 76-89 for more details.

Action Code	Message
00	Approved and completed successful
01	Refer to card issuer
02	Refer to card issuer, special condition
03	Invalid merchant
04	Pick up card (no fraud)
05	Do not honor
06	Error
07	Pick up card, special condition (fraud account)
08	Honor with ID
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
30	Format error
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
71	PIN Not Changed
74	Different value than that used for PIN encryption errors
75	Allowable number of PIN entry tries exceeded
76-89	Visa Codes Mastercard Codes
90	Cutoff is in progress
91	Issuer or switch inoperative and STIP not applicable or not available for this transaction
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	Duplication transaction detected
1A	Additional customer authentication required
1Z	Authorization System or issuer system inoperative
5C	Transaction non supported/blocked by issuer
6P	Verification data failed
9G	Blocked by cardholder/contact cardholder
B1	Surcharge amount not permitted on Visa cards or EBT food stamps (U.S. acquirers only)
B2	Surcharge amount not supported by debit network issuer
N0	Force STIP
N3	Cash service not available
N4	Cash request exceeds issuer or approved limit
N5	Ineligible for resubmission
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
R2	Transaction does not qualify for Visa PIN
R3	Revocation of all authorizations order
Z4	Unable to go online; offline-declined

Action Codes 76-89

Action Codes 76-89 are "reserved for private use", meaning they can and will have different meanings for Visa and Mastercard. The following Actions Codes should be used for Visa and Mastercard.

Visa Codes

Action Code	Message
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
89	Ineligible to receive financial position information (GIV)

Mastercard Codes

Action Code	Message
76	Invalid/nonexistent “To Account” specified
77	Invalid/nonexistent “From Account” specified
78	Invalid/nonexistent account specified (general)
79	Life cycle (Mastercard use only)
80	System not available
81	Domestic Debit Transaction Not Allowed (Regional use only)
82	Policy (Mastercard use only)
83	Fraud/Security (Mastercard use only)
84	Invalid Authorization Life Cycle
85	Not declined
86	PIN Validation not possible
87	Purchase Amount Only, No Cash Back Allowed
88	Cryptographic failure
89	Unacceptable PIN—Transaction Declined—Retry