Issuer Response Codes

Overview

We will return an additional parameter within each card authorisation response message, issuer_response_code, which is the actual transaction result code communicated directly from your customer's issuing bank.

Issuer response codes

The table below details the full list of possible issuer response codes that you may encounter when processing.

Response Code	Response Message	Description
00	Approved	The transaction is approved and completed successfully.
01	Refer to card issuer	The transaction is refused by the issuer, so the cardholder should contact the issuing bank to clarify the situation. You can suggest a cardholder uses a separate card or try again after resolving the issue with their bank.
02	Refer to card issuer's special conditions	The customer’s card issuer has indicated there is a problem with the card number. The customer should use an alternate credit card, or contact their bank.
03	Invalid merchant	This error indicates that the merchant details entered into the Acquired.com Hub are incorrect or your merchant facility is non-functional.
04	Capture / pick up card	The transaction is declined by the issuing bank that requested for retaining the card as it could be reported as lost or stolen. Ask the customer to use a different card or contact their issuing bank to resolve the issue.
05	Do not honour	The issuing bank is unwilling to accept the transaction. Ask the customer for a different card to complete the transaction or ask them to contact the bank for more details.
06	Error	There was an error during the card transaction.
07	Pick up card special condition	The card issuer requests to retain the card. This can be due to a suspected counterfeit or stolen card.
09	Request in progress	The request is still currently being processed. Please await a final response.
10	Partial amount approved	The transaction was cancelled. Some card issuers support partial-approval authorisation. This approves a part of the requested transaction, leaving the remainder to be paid with another form of tender.
12	Invalid transaction	An error occurred while processing the card. Make sure that payments are correctly configured.
13	Invalid amount/ bad message edit	Double check what is entered and make sure it wasn’t negative or included incorrect symbols.
14	Invalid card number/no such number	The card issuing bank has declined the transaction because of an incorrectly entered credit card number or a number that doesn’t exist. Double check the card details and try processing again.
15	No such issuer	The customer's card issuer doesn't exist. Double check the card number and try processing the transaction again. The card number should start with 3 (AMEX), 4 (Visa), 5 (Mastercard).
17	Customer cancellation	The client has cancelled this transaction. Please reach out to your client for more information.
18	Customer dispute	The customer has filed a dispute for this transaction. Please reach out to your client for more information.
19	Re-enter transaction	There was an error processing this payment. Please attempt the transaction again.
22	Suspected malfunction	The issuing bank is not responding during the transaction. The cardholder should check the card information and try processing again.
30	Format error	Contact support to double check the setup on your merchant account.
31	Bank not supported by switch	The customer’s bank has declined the transaction because it doesn’t allow using the card for mail/telephone, fax, email or internet orders.
33	Expired card	This credit card has expired. Please reach out to your client for updated billing information.
34	Suspected fraud	The transaction is declined by the issuing bank as there is suspected fraud on this credit card number. Monitor subsequent transactions to check for fraudulent transactions on alternate cards.
35	Card acceptor call acquirer security	The issuing bank is requesting you pick up this card. Please contact the number on the back of the card for more information.
36	Restricted card pick up	There are restrictions on this card that are not allowing the transaction to be processed. Please reach out to your client for updated billing information.
37	Contact acquirer security department	The customer’s card issuer has declined the transaction and requested to retain your customer’s card. The customer should use an alternate card or contact their bank. After receiving this particular error, monitor subsequent transactions for fraudulent transactions on alternate cards.
40	Requested function not supported	The customer’s card issuer has declined the transaction as it does not allow this type of transaction.
41	Lost card	The issuing bank has declined the transaction as the owner of the card reported it as lost or stolen. In this case, don’t retry the transaction and don’t provide any goods or services to the cardholder. Validate the customer authenticity and refer the cardholder to the issuer.
42	No universal account	The transaction is declined by the issuing bank as the account type is not valid for this card number. Ask the customer to use a separate card or to contact their bank.
43	Stolen card	The issuing bank has declined the transaction as the credit card owner has reported this card as stolen. Don’t try the transaction again and stop providing any goods or services to the customer, and report the transaction attempt to the relevant issuing bank.
49	The card was declined	The customer’s card issuer has declined the transaction as the credit card is not enabled for online transactions. The customer should use an alternate card or contact their bank.
51	Insufficient funds	The transaction is denied by the issuing bank as there aren’t enough funds in the associated bank account to complete this payment or the transaction will put the customer’s credit card over the limit. Request a different card from a customer or ask them to contact their issuing bank.
54	Expired card	The card is expired and no longer valid to use. Ask a customer to correct or switch the card.
56	No card record	The transaction is declined by the issuer, as the credit card number doesn’t exist. The customer should use a separate credit card.
57	Transaction not permitted by cardholder	The issuing bank has declined the transaction as this card cannot be used for this type of transaction. Ask the customer to use another card or contact their bank. When the bank confirms it will process correctly, attempt the transaction again.
58	Transaction not permitted by terminal	The code appears when the card cannot be used for this type of transaction or when the merchant processing account is not properly configured. The response usually appears when test cards are used on the live gateway.
59	Suspected fraud	The transaction is declined by the issuer because it appears fraudulent. Monitor all the transactions processed after the error occurred.
61	Exceeds withdrawal amount limit	The issuer has declined the transaction because it will exceed the customer’s card limit. Ask the customer to use another card.
62	Restricted card	The card is invalid in a certain region or country or the customer tried to pay online with a card that doesn’t support your online payments.
63	Security violation	The card issuer indicated a security issue with this card. The customer can use another payment method. Alternatively, the customer can try again after they resolved the issue with their bank.
65	Authentication required	Transaction is in scope of PSD2, Strong Customer Authentication (SCA) is required, retry with 3-D Secure.
67	Hard capture	The transaction is declined by the issuing bank because the card is suspected to be counterfeit. The customer’s card issuer has requested that your customer’s credit card is retained by you. Ask the customer to use a different card or to contact their bank.
69, 70, 71, 72, 73, 74	Error: contact card issuer	The card issuer indicated an issue with this card and requests contact from the customer. The customer can use another payment method. Alternatively the customer can try again after they resolved the issue with their bank.
75	Allowable number of PIN tries exceeded	The transaction is from a new cardholder, and the card has not been properly unblocked.
78	Error	The customer has entered an incorrect PIN more times than is allowed by the issuing bank. The customer should retry or use another payment method.
80	Credit issuer unavailable	The issuing bank cannot be contacted. The customer should retry or use another payment method.
85	No reason to decline the authorisation attempt on the customer’s account.	Processing the transaction with amount set as `0` and the `transaction_type` as `AUTH_ONLY` should be successfully authorised.
91	Authorization Platform or issuer system inoperative / Issuer not available	There was a problem contacting the issuing bank to authorise the transaction. The customer should attempt to process this transaction again. If the problem persists, the cardholder should contact their bank or re-attempt the payment using an alternative card.
92	Network problem	The customer’s card can’t be found for routing and the code is mostly used for a test credit card number. The cardholder should try to complete a transaction again.
93	Transaction cannot be completed	The issuing bank will not allow this transaction. The customer should use another payment method.
96	System malfunction	The issuing bank cannot be contacted. The customer should retry or use another payment method.
97, 98, 99	Error	These error codes are the result of a decryption error, contact support.
1A	Additional customer authentication required	Authentication is required for the transaction. If the transaction is in scope of PSD2 and did not go through a 3-D Secure transaction, retry with 3DS.
R1	Revocation of authorisation	The customer has contacted their issuing bank and cancelled the continuous authorisation on their account. The customer should contact their bank to lift this block or use alternative payment details.