Code Response Reason Code Response Reason
0 Approved 54 Expired Card
1 Refer to Card Issuer 55 Incorrect PIN
2 Refer to Issuer’s special conditions 56 No Card Record
3 Invalid Merchant 57 Trans. not Permitted to Cardholder
4 Pick Up Card 58 Transaction not Permitted to Terminal
5 Do Not Honor 59 Suspected Fraud
6 Error 60 Card Acceptor Contact Acquirer
7 Pick Up Card, Special Conditions 61 Exceeds Withdrawal Amount Limits
8 Honor with identification 62 Restricted Card
9 Request in Progress 63 Security Violation
10 Partial Amount Approved 64 Original Amount Incorrect
11 VIP Approval 65 Exceeds Withdrawal Frequency Limit
12 Invalid Transaction 66 Card Acceptor Call Acquirer Security
13 Invalid Amount 67 Hard Capture – Pick Up Card at ATM
14 Invalid Card Number 68 Response Received Too Late
15 No Such Issuer 75 Allowable PIN Tries Exceeded
16 Approved, update track 3 76 Previous message not found
17 Customer Cancellation 77 Data does not match original message
18 Customer Dispute 80 Invalid Date
19 Re-enter Transaction 81 Cryptographic failure
20 Invalid Response 82 Incorrect CVV
21 No Action Taken (no match) 83 Unable to verify PIN
22 Suspected Malfunction 84 Invalid authorization life cycle
23 Unacceptable Transaction Fee 85 No reason to decline
24 File Update not Supported by Receiver 86 ATM Malfunction
25 Unable to Locate Record on File 87 No Envelope Inserted
26 Duplicate File Update Record 88 Unable to Dispense
27 File Update Field Edit Error 89 Administration Error
28 File Update File Locked Out 90 Cut-off in Progress
29 File Update not Successful 91 Issuer or Switch is Inoperative
30 Format Error 92 Financial Institution Not Found
31 Bank not Supported by Switch 93 Trans Cannot be Completed
32 Completed Partially 94 Duplicate Transmission
33 Expired Card – Pick Up 95 Reconcile Error
34 Suspected Fraud – Pick Up 96 System Malfunction
35 Contact Acquirer – Pick Up 97 Reconciliation Totals Reset
36 Restricted Card – Pick Up 98 MAC Error
37 Call Acquirer Security – Pick Up 99 Reserved for National Use
38 Allowable PIN Tries Exceeded N0 Force STIP (VISA)
39 No CREDIT Account N3 Cash Service Not Available (VISA)
40 Requested Function not Supported N4 Cash request exceeds issuer limit (VISA)
41 Lost Card – Pick Up N7 Decline for CVV2 failure (VISA)
42 No Universal Amount P2 Invalid biller information (VISA)
43 Stolen Card – Pick Up P5 PIN Change Unblock Declined (VISA)
44 No Investment Account P6 Unsafe PIN (VISA)
51 Insufficient Funds XA Forward to issuer
52 No Cheque Account XD Forward to issuer
53 No Savings Account