| 00 |
Approved and completed |
| 85 |
No reason to decline |
| 01 |
Refer to issuer |
| 02 |
Refer to issuer-Special condition |
| 28 |
File is temporarily unavailable |
| 91 |
Issuer or switch is unavailable |
| 04 |
Pick up card (no fraud) |
| 07 |
Pick up card; special condition (fraud account) |
| 41 |
Lost card; pick up (fraud account) |
| 43 |
Stolen card; pick up (fraud account) |
| 59 |
Transaction not permitted-Merchant |
| EA |
Verification error |
| 79 |
Already reversed at switch |
| 13 |
Invalid amount |
| 83 |
Cannot verify PIN |
| 86 |
Cannot verify PIN |
| 14 |
Invalid card number |
| 82 |
CVV data is not correct |
| N3 |
Cash back service not available |
| EB |
Verification error |
| EC |
Verification error |
| 80 |
Invalid date |
| 05 |
Do not honor |
| 46 |
*Do not honor |
| 51 |
Insufficient funds |
| N4 |
Exceeds issuer withdrawal limit |
| 61 |
Exceeds withdrawal limit |
| 62 |
Invalid service code; restricted |
| 65 |
Activity limit exceeded |
| 93 |
Violation; cannot complete |
| 81 |
Cryptographic error |
| 06 |
General error |
| 54 |
Expired card |
| HV |
Hierarchy Verification Error |
| CV |
Card Type Verification Error |
| 92 |
Destination not found |
| 12 |
Invalid transaction |
| 78 |
No account |
| 21 |
Unable to back out transaction |
| 76 |
Unable to locate; no match |
| 77 |
Inconsistent data; rev.; or repeat |
| 52 |
No checking account |
| 39 |
No credit account |
| 53 |
No savings account |
| 15 |
No such issuer |
| 75 |
PIN tries exceeded |
| 19 |
Re-enter transaction |
| 63 |
Security violation |
| 57 |
Transaction not permitted-Card |
| 58 |
Transaction not permitted-Terminal |
| B1 |
Surcharge amount not permitted on Visa cards or EBT food stamps |
| B2 |
Surcharge amount not supported by debit network issuer |
| R0 |
Customer requested stop of specific recurring payment |
| R1 |
Customer requested stop of all recurring payments from specific merchant |
| 96 |
System malfunction |
| 03 |
Invalid Merchant ID |
| 55 |
Incorrect PIN |
| N7 |
CVV2 Value supplied is invalid |
| 94 |
Unable to locate; no match |
| T0 |
First check is OK and has been converted |
| T1 |
Check is OK but cannot be converted This is a declined transaction |
| T2 |
Invalid ABA number; not an ACH participant |
| T3 |
Amount greater than the limit |
| T4 |
Unpaid items; failed negative file check |
| T5 |
Duplicate check number |
| T6 |
MICR error |
| T7 |
Too many checks (over merchant or bank limit) |
| 10 |
Partial approval for the authorized amount returned in Group III version 022 |
| 11 |
VIP approval |
| 08 |
Honor MasterCard with ID |
| AV |
AVS not match |
| AZ |
Zip not match |
| AA |
Address not match |
| PN |
Card not attached |
| PA |
Card already attached |
| PE |
Check error |
| 98 |
Card was checked less than 3 hours ago |
| 99 |
Service under maintenance |