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Overview

This document lists the bank related response codes returned from the Payment API. The "Message ID" and "Cardholder message" columns correspond to the response.message and response.message_id properties returned by the API response object. The "Merchant message" column contains an additional detailed message that is not returned by the API.

Responses are broken into 2 groups: gateway and credit card. Responses related to credit card transactions are sub-grouped by processor (Chase Paymentech, Desjardins, First Data, Global, TD, Vital). If you are processing transactions against a test account you will receive responses from our emulator, rather than a processor.

You should only map your responses handlers against message IDs as message strings are not guaranteed to be consistent over time.

Gateway responses

Message ID

Cardholder message

Merchant message

14

Invalid expiration date

Invalid expiration date

16

Duplicate Transaction – This transaction has already been approved

Duplicate Transaction – This transaction has already been approved

21

Validation is less than the minimum amount

Validation is less than the minimum amount

22

Validation greater than maximum amount

Validation greater than maximum amount

26

Invalid expiry date

Invalid expiry date

49

Invalid transaction request string

Invalid transaction request string

50

Invalid transaction type

Invalid transaction type

51

DECLINE

Restricted Card or IP

52

Invalid Card Number

Invalid Card Number

53

Application Error - Sending Request

Application Error - Sending Request

54

Transaction timeout - No available device

Transaction timeout - No available device

55

Transaction timeout - No transaction Response

Transaction timeout - No transaction Response

56

Application Error - Retrieving Response

Application Error - Retrieving Response

59

Declined - Operation must be performed by Master Merchant

Declined - Operation must be performed by Master Merchant

60

Declined - Operation restricted through Master Merchant

Declined - Operation restricted through Master Merchant

190

Unknown transaction response

Unknown transaction response

191

Invalid Transaction Amount

Invalid Transaction Amount

192

Transaction cannot be voided after being returned

Transaction cannot be voided after being returned

193

Amount does not match the transaction you are modifying.

Amount does not match the transaction you are modifying.

194

Transaction exceeds return limit.

Transaction exceeds return limit.

195

Invalid adjustment amount.

Invalid adjustment amount.

196

Original purchase transaction has been voided

Original purchase transaction has been voided

197

Transactions cannot be adjusted to a zero or negative value

Transactions cannot be adjusted to a zero or negative value

198

Zero value transactions cannot be voided

Zero value transactions cannot be voided

199

Credit card does not match original purchase.

Credit card does not match original purchase.

200

Transaction cannot be adjusted

Transaction cannot be adjusted

201

Invalid transaction adjustment ID

Invalid transaction adjustment ID

202

Invalid order number

Invalid order number

203

Pre-Authorization already completed

Pre-Authorization already completed

204

Declined: Use Pre-Auth Completion

Declined: Use Pre-Auth Completion

205

Transaction only voidable on the date processed

Transaction only voidable on the date processed

206

Account missing terminal id

Account missing terminal id

207

Invalid merchant id

Invalid merchant id

208

Completion greater than remaining reserve amount.

Completion greater than remaining reserve amount.

209

Merchant Account Disabled

Merchant Account Disabled

210

Merchant Account Closed

Merchant Account Closed

211

Service Unavailable - Please try again later

Service Unavailable - Please try again later

212

Service Unavailable - Please try again later

Service Unavailable - Please try again later

214

Transaction reversed

Transaction reversed

215

Address Validation Failed

Address Validation Failed

217

DECLINE

Transaction Declined TR

218

DECLINE

Transaction Declined AC

297

Service Unavailable - Please try again later

Service Unavailable - Please try again later

298

Service Unavailable - Please try again later

Service Unavailable - Please try again later

299

Service Unavailable - Please try again later

Service Unavailable - Please try again later

300

Service Unavailable - Please try again later

Service Unavailable - Please try again later

301

Service Unavailable - Please try again later

Service Unavailable - Please try again later

302

Service Unavailable - Please try again later

Service Unavailable - Please try again later

303

Service Unavailable - Please try again later

Service Unavailable - Please try again later

304

Service Unavailable - Please try again later

Service Unavailable - Please try again later

305

Service Unavailable - Please try again later

Service Unavailable - Please try again later

306

Service Unavailable - Please try again later

Service Unavailable - Please try again later

307

Service Unavailable - Please try again later

Service Unavailable - Please try again later

308

Service Unavailable - Please try again later

Service Unavailable - Please try again later

309

Service Unavailable - Please try again later

Service Unavailable - Please try again later

310

Service Unavailable - Please try again later

Service Unavailable - Please try again later

311

3D Secure Failed

3D Secure Failed

312

Card type not accepted

Card type not accepted

313

DECLINE

Over sales limit

314

Missing or invalid payment information - Please validate all required payment information.

Missing or invalid consumer payment information

315

CALL HELP DESK

HTTPS Connection Required

316

CALL HELP DESK

Invalid transaction validation type

317

CALL HELP DESK

Authentication Failed

318

CALL HELP DESK

No transaction request data received

319

CALL HELP DESK

Transaction Declined - Restricted transaction type

320

CALL HELP DESK

Missing errorPage URL

321

CALL HELP DESK

Missing or invalid return URL

322

CALL HELP DESK

Transaction amount does not match inventory calculation

323

CALL HELP DESK

One or more products not found in inventory

324

CALL HELP DESK

Invalid product quantity

325

File Transfer Approved

File Transfer Approved

326

Declined - Invalid bank account

Declined - Invalid bank account

558

Decline

Decline

559

No Transaction Found

No Transaction Found

560

Transaction In Process

Transaction In Process

632

Decline

Max number of recurring billing accounts reached

674

Payment declined

Payment declined

681

Payment method not accepted on this account

Payment method not accepted on this account

682

Decline

Decline

683

Declined. Missing or invalid merchant data.

Declined. Missing or invalid merchant data.

760

Multiple Transaction Matches Found

Multiple Transaction Matches Found

761

Payment Cancelled

Payment Cancelled

762

Expired session. Transaction not completed in allocated time.

Expired session. Transaction not completed in allocated time.

788

Duplicate Order Number - This order number has already been processed

Duplicate Order Number - This order number has already been processed

789

Card Number Mismatch

Card Number Mismatch

792

Credit card must support 3D Secure VBV or SecureCode

Credit card must support 3D Secure VBV or SecureCode

793

Address validation failed. Transaction reversed.

Address validation failed. Transaction reversed.

800

Invalid customer code (token)

Invalid customer code (token)

801

Card number missing for given customer code (token)

Card number missing for given customer code (token)

802

Declined HASH EXPIRED

Declined HASH EXPIRED

804

Declined - Entered Information Cannot Be Authenticated

Declined - Entered Information Cannot Be Authenticated

807

Batch close completed successfully

Batch close completed successfully

808

Batch close failed on all terminals

Batch close failed on all terminals

809

Batch close on one or more terminals

Batch close on one or more terminals

810

Batch close failed on store and forward

Batch close failed on store and forward

811

Insufficient user permission for processing payment transactions

Insufficient user permission for processing payment transactions

812

Insufficient user permission for processing refund transactions

Insufficient user permission for processing refund transactions

813

User session has expired

User session has expired

814

User session validation failed

User session validation failed

815

Invalid session source

Invalid session source

816

Card track data cannot be decrypted

Card track data cannot be decrypted

817

Card track data cannot be parsed for card number and expiry

Card track data cannot be parsed for card number and expiry

818

Invalid track format indicator

Invalid track format indicator

819

Missing AVS and CVD data required for Discover transaction

Missing AVS and CVD data required for Discover transaction

820

Invalid use of trnAmount field, must pass ordItemPrice with taxes enabled.

Invalid use of trnAmount field, must pass ordItemPrice with taxes enabled.

821

Declined

CVD mismatch. Transaction reversed

822

Declined

AVS mismatch. Transaction reversed

825

Missing or invalid term URL

CALL HELP DESK

827

Declined

Declined

935

Adjustment failed, please wait one minute and retry

Adjustment failed, please wait one minute and retry

936

Declined please try again

Invalid or expired single use token

937

Declined please try again

Single use token service unavailable

938

Authentication is required to process this transaction

Authentication is required to process this transaction

940

DECLINE

Masterpass account is not enabled

941

DECLINE

oauth_verifier is required

942

DECLINE

checkout_resource_url is required

944

Card entry method not accepted

Card entry method not accepted

1134

Transaction cannot be voided

Transaction cannot be voided

1135

Amount in the request does not match the amount in the payment token.

Declined

1136

Invalid or missing card-on-file request parameters

Invalid or missing card-on-file request parameters

1137

You are not authorized to process card-on-file transactions through this account.

You are not authorized to process card-on-file transactions through this account.

1194

Declined

Signature verification failed

1195

Declined

Signature expired

1196

Declined

Payment token expired

1197

Declined

Merchant ID in the request does not match the merchant ID in the payment token.

1198

Declined

Invalid payment token

Credit card responses

Desjardins

Message ID

Cardholder message

Merchant message

1001

APPROVED

Approved with balance

1002

APPROVED

Approved without the balance

1003

APPROVED

Approved VIP

1004

APPROVED

Approved. Administrative Transaction

1005

DECLINED

Declined

1006

EXPIRED CARD

Declined. Expired card

1007

ADM PIN TRIES EXCEE

Declined. Max PIN attempts with an Administrative card reached

1008

INVALID CARD

Declined. The Admin card must be from the same institution as the POS

1009

SYSTEM NOT AVAIL.

Declined. The host cannot authorize the transaction at this time

1010

TRX NOT ALLOWED

Declined. The transaction type is invalid

1011

TRX NOT ALLOWED

Declined. The transaction type is not supported on this terminal

1012

DECLINED

Declined. The card status is lost or stolen

1013

DECLINED

Declined. The status of the card is unknown

1014

ACCOUNT NOT SET UP

Declined. The account used in the transaction is not defined

1015

PLEASE RETRY

Declined. Auth. type incorrectly defined. Host problem

1016

INVALID CARD

Declined. Track2 invalid

1017

PLEASE RETRY

Declined. Partial cancellations are not supported

1018

PLEASE RETRY

Declined. Invalid amount

1019

PLEASE RETRY

Declined. The transaction date is invalid.

1020

PLEASE RETRY

Declined. Transaction declined by the issuer

1021

PLEASE RETRY

Declined. Format error in the transaction

1022

PLEASE RETRY

Declined. Invalid acquirer institution

1023

PLEASE RETRY

Declined. Routing problem

1024

PLEASE RETRY

Declined. Routing problem

1025

PLEASE RETRY

Declined. Cannot authorize

1026

PLEASE RETRY

Declined. Invalid card number length

1027

DECLINED

Declined. Insufficient funds

1028

PLEASE RETRY

Declined. Preauthorization limit reached for the period

1029

DECLINED

Declined. Duplicate transaction

1030

PLEASE RETRY

Declined. Max online refund amount reached for a card for the period

1031

REFUND LIMIT

Declined. Max offline refund amount reached for a card for the period

1032

REFUND LIMIT

Declined. Max refund amount for a transaction

1033

OVER MAX NUMBER TRX

Declined. Max number of refunds reached for a card for the period

1034

PLEASE RETRY

Declined. Max refund amount reached for a card for the period

1035

NOT AVAILABLE

Declined. Balance inquiry transaction not permitted

1036

OVER MAX NUMBER TRX

Declined. Usage limit has been reached

1037

OVER MAX NUMBER TRX

Declined. The number of refunds for this card type has been reached

1038

PLEASE RETRY

Declined. Declined by the issuer

1039

DECLINED

Declined. Status of the card inactive

1040

HOLD CARD

Declined. Stolen card

1041

REFUND LIMIT

Declined. Limit in the no. of trans. or refund amount and Interac cancellations reached for the terminal

1042

PIN REQUIRED

Declined. The card PIN is required for this card (can be admin card)

1043

INVALID CARD

Declined. The check digit of the card number is invalid

1044

PLEASE RETRY

Declined. A forced transaction ended in error due to a system problem

1045

SYSTEM NOT AVAIL.

Declined. The authorization host is not available

1046

CALL FOR AUTH

Declined. The authorization host is not available

1047

CALL FOR AUTH

Declined. The authorization host is not available

1048

PLEASE RETRY

Declined. System error

1049

TRX NOT ALLOWED

Declined. Unsupported transaction

1050

CALL FOR AUTH

Declined. Maximum amount limit

1051

CALL FOR AUTH

Declined. Maximum amount limit for the day reached

1052

CALL SERVICE

Declined. Issuing host did not respond (timeout)

1053

CALL SERVICE

Declined. System error

1054

CALL SERVICE

Declined. System error

1055

CALL SERVICE

Declined. System error (admin card)

1056

CALL FOR AUTH

Declined. System error with security boxes

1057

CALL FOR AUTH

Declined. ARQC error

1058

CALL FOR AUTH

Declined. CVR error

1059

CALL FOR AUTH

Declined. TVR error

1060

CALL FOR AUTH

Declined. This message is an EMV referral - "fallback"

1061

RETAILER NOT FOUND

Declined. The merchant number is invalid

1062

PLEASE RETRY

Declined. Account type invalid.

1063

INVALID ADMIN PIN

Declined. The administrative PIN is invalid

1064

NEED ADMIN CARD

Declined. Admin card required. Currently only validated for admin PIN change transactions

1065

CALL SERVICE

Declined. The amount of the transaction is too high

1066

CARD NOT SET UP

Declined. The card is not set up in the acquirer's host (POS)

1067

CALL SERVICE

Declined. The transaction date is invalid

1068

INVALID DATE

Declined. The expiry date of the card is invalid

1069

CALL SERVICE

Declined. Transaction code invalid

1070

DECLINED

Declined. Transaction amount exceeds the allowable limit

1071

DECLINED

Declined. EMV - ARQC invalid

1072

DECLINED

Declined. EMV - Error with the security box

1073

DECLINED

Declined. EMV - Error with the security box

1074

DECLINED

Declined. EMV - Key cannot be found in the security module

1075

DECLINED

Declined. EMV - ATC error

1076

DECLINED

Declined. EMV - CVR error

1077

DECLINED

Declined. EMV - TVR error

1078

DECLINED

Declined. EMV - Transaction in fallback

1079

INVALID PROGRAM

Declined. PPC - The selected program is inactive

1080

TRX NOT ALLOWED

Declined. PPC - The merchant does not have access to the transaction program

1081

INC. AMOUNT/CARD

Declined. PPC - Amount differs from the program

1082

INVALID AMOUNT

Declined. PPC - The amount does not correspond with the program

1083

DECLINED

Declined. PPC - Activation correction impossible

1084

DECLINED

Declined. PPC - amount of the transaction higher than the starting amount

1085

ALREADY ACTIVE

Declined. PPC - card already activated

1086

INSUFF. FUNDS

Declined. PPC - Insufficient funds

1087

INVALID CARD

Declined. PPC - Invalid card

1088

FORMAT ERROR

Declined. Error in the format of the transaction

1089

FORMAT ERROR

Declined. Error in the contents of a field in the transaction

1090

FORMAT ERROR

Declined. Error in Batch Close

1091

PLEASE RETRY

Declined. Desjardins acquirer system timeout

1092

FORMAT ERROR

Declined. Error in the Desjardins host acquirer system

1093

TERMINAL DEACTIVATED

Declined. The terminal is deactivated at the Desjardins acquirer host

1094

FORMAT ERROR

Declined. The transaction is invalid. The response sent by the host only contains a header.

1095

INVALID PIN LENGTH

Declined. PIN length invalid

1096

PLEASE RETRY

Declined. Cardholder card data decrypting error.

1097

PLEASE RETRY

Declined. MAC error

1098

CALL SERVICE

Declined. Sequence number (see header) is invalid

1099

PIN TRIES EXCEEDED

Declined. Number of PIN attempts exceeded

1100

EXPIRED CARD

Declined. Expired card

1101

HOLD CARD

Declined. Card probably fraudulent.

1102

HOLD CARD

Declined. Stolen card

1103

INVALID AMOUNT

Declined. Invalid amount

1104

PLEASE RETRY

Declined. Invalid card

1105

HOLD CARD

Declined. Card probably fraudulent.

1106

PLEASE RETRY

Declined. Limit exceeded

1107

HOLD CARD

Declined. Amount exceeds the limit

1108

HOLD CARD

Declined. Retain card

1109

DECLINED

Declined. EMV - ARQC error

1110

DECLINED

Declined. EMV - CVR error

1111

DECLINED

Declined. EMV - TVR error

1112

UNABLE TO PROCESS

Declined. Error in the tax calculation

1113

CANCELLATION LIMITÂ

Declined. Daily Interac cancellation limit reached

1114

KEY CHANGE REQUIRED

Declined. First transaction for a terminal must be a transaction code 96

1115

CARD NOT SUPPORTED

Declined.

1116

SELECT OTHER ACCT

Declined. Inactive Desjardins Interac account

1117

CARD NOT SET UP

Declined. Inactive Desjardins Interac card

1118

DECLINED

Declined. Desjardins Interac card, insufficient funds

1119

NOT ALLOWED

Declined. Transaction not allowed

1120

INVALID PIN

Declined. Incorrect PIN

1121

DECLINED

Declined. PIN Required. The card must be inserted into the chip reader.

1122

ADM PIN NOT IN FILE

Declined. Unrecognized administrative card

1123

PIN CHG NOT ALLOWED

Declined. This Admin card cannot be used to change the PIN

1124

SYSTEM NOT AVAIL.

Declined. Desjardins Interac issuing host unavailable

1125

DECLINED

Declined. Requires caisse authorization

1126

ACCOUNT NOT SET UP

Declined. Non-existent account

1127

CARD NOT SUPPORTED

Declined. Caisse (branch) does not exist

1128

CARD NOT SET UP

Declined. Card inactive at the Desjardins Interac issuing host

1129

SELECT OTHER ACCT

Declined. Account does not exist

1130

DECLINED

Declined. Amount exceeds the allowable limit

1131

CARD NOT SET UP

Declined. Account does not exist

1132

Invalid Accord D Transaction

Invalid Accord D Transaction

1133

Accord D transaction cannot be processed as recurring.

Accord D transaction cannot be processed as recurring.

First Data

Message ID

Cardholder message

Merchant message

684

APPROVAL

APPROVAL

685

REFERRAL

REFERRAL

686

INVLD MER ID

INVLD MER ID

687

APPRV LESSER AMT

APPRV LESSER AMT

688

BAD PROCESSING CODE

BAD PROCESSING CODE

689

INV AMT

INV AMT

690

INV ACCT NUM

INV ACCT NUM

691

INV TERMINAL

INV TERMINAL

692

PLEASE RETRY

PLEASE RETRY

693

DECLINED

DECLINED

694

EXPIRED CARD

EXPIRED CARD

695

DECLINED

DECLINED

696

HOLD - CALL CTR

HOLD - CALL CTR

697

SERV NOT ALLOWED

SERV NOT ALLOWED

698

APPROVAL

APPROVAL

699

AVS ACCEPTED

AVS ACCEPTED

700

INVALID TERM ID

INVALID TERM ID

701

PLEASE RETRY

PLEASE RETRY

702

RESEND BATCH

RESEND BATCH

703

SYSTEM PROBLEM

SYSTEM PROBLEM

704

CVV2 DECLINED

CVV2 DECLINED

705

DOWNLOAD FAILED

DOWNLOAD FAILED

706

INVLID MAC

INVLID MAC

707

INVALID ID NBR

INVALID ID NBR

708

INV DRIVER NBR

INV DRIVER NBR

709

INV VEHICLE NBR

INV VEHICLE NBR

710

INV EXP DATE

INV EXP DATE

711

INVLD AMT 3

INVLD AMT 3

712

INVLD ACCT 2

INVLD ACCT 2

713

INV EXP DATE

INV EXP DATE

714

INV ACCT

INV ACCT

715

INVLD ACCT 1

INVLD ACCT 1

716

CAPT. NOT ALLOWED

CAPT. NOT ALLOWED

717

COMM ERR RESEND

COMM ERR RESEND

718

INVL TERMINAL ID

INVL TERMINAL ID

719

INVL ARRIVAL-DT

INVL ARRIVAL-DT

720

INVL CHECKOUT DT

INVL CHECKOUT DT

721

INVL ROOM RATE

INVL ROOM RATE

722

INVL FOLIO NBR

INVL FOLIO NBR

723

INV TRN TYPE

INV TRN TYPE

724

MAX TIP $999

MAX TIP $999

725

INCORRECT PIN

INCORRECT PIN

726

AMT EXCEEDED LIMIT

AMT EXCEEDED LIMIT

727

HOST KEY ERROR

HOST KEY ERROR

728

PIN RETRY EXCEEDED

PIN RETRY EXCEEDED

729

DUPLICATE TRAN

DUPLICATE TRAN

730

REV REJECTED

REV REJECTED

731

ENTER LESSER AMOUNT

ENTER LESSER AMOUNT

732

PIN XLATE ERROR

PIN XLATE ERROR

733

INV CASHBACK AMT

INV CASHBACK AMT

734

CRYPTO BOX UNAV

CRYPTO BOX UNAV

735

DBT SWITCH UNAVL

DBT SWITCH UNAVL

736

ISSUER UNAV

ISSUER UNAV

737

UNDEFINED CARD

UNDEFINED CARD

738

DBTSW INV MERID

DBTSW INV MERID

739

TRAN CT EXCD LMT

TRAN CT EXCD LMT

740

RESUB EXCDS LMT

RESUB EXCDS LMT

741

DBTSW PIN XL ERR

DBTSW PIN XL ERR

742

DECLINE

DECLINE

823

ISS UNAV/DATE ER

ISS UNAV/DATE ER

939

Reversal Outside Window

Reversal Outside Window

1176

ADD AUTH REQUIRE

ADD AUTH REQUIRE

Global Payments

Message ID

Cardholder message

Merchant message

561

Approved or Completed Successfully.

Approved or Completed Successfully.

562

Call your Voice Authorization Center.

Call your Voice Authorization Center.

563

Touchtone capture, won’t roll to an operator.

Touchtone capture, won’t roll to an operator.

564

The Terminal ID is not set up on the Global Payments master file or the issuer returned an invalid merchant response.

The Terminal ID is not set up on the Global Payments master file or the issuer returned an invalid merchant response.

565

Authorization Declined.

Authorization Declined.

566

Authorization Declined.

Authorization Declined.

567

Requested transaction reversal was successful.

Requested transaction reversal was successful.

568

Response for CVV2 failure. Declined.

Response for CVV2 failure. Declined.

569

Approved with positive ID. Host does not capture this transaction.

Approved with positive ID. Host does not capture this transaction.

570

The Processing Code in the inbound message is incorrect.

The Processing Code in the inbound message is incorrect.

571

Amount entered is invalid.

Amount entered is invalid.

572

Account number or track data does not pass edit checks.

Account number or track data does not pass edit checks.

573

The transaction cannot be completed at this time. Retry later.

The transaction cannot be completed at this time. Retry later.

574

Expiration date entered is incorrect.

Expiration date entered is incorrect.

575

Incorrect PIN entered.

Incorrect PIN entered.

576

Customer, merchant or terminal set up incorrectly for transaction used or the transaction is not being allowed to the merchant.

Customer, merchant or terminal set up incorrectly for transaction used or the transaction is not being allowed to the merchant.

577

Maximum PIN entry attempts exceeded.

Maximum PIN entry attempts exceeded.

578

Transaction entered is a duplicate.

Transaction entered is a duplicate.

579

Global Payments Check System unavailable.

Global Payments Check System unavailable.

580

INV ACCT MATCH

INV ACCT MATCH

581

INV ACCT MATCH

INV ACCT MATCH

582

INV ITEM NUM

INV ITEM NUM

583

ITEM ADJ

ITEM ADJ

584

Terminal has not been balanced within time specified in the Global Payments Merchant Master File for this merchant.

Terminal has not been balanced within time specified in the Global Payments Merchant Master File for this merchant.

585

USE DUP THEN BAL

USE DUP THEN BAL

586

NO DUP FOUND

NO DUP FOUND

587

Format of the transaction is incorrect.

Format of the transaction is incorrect.

588

Transaction is attempted on a transaction that is not in the open batch on the host.

Transaction is attempted on a transaction that is not in the open batch on the host.

589

Approved but not captured.

Approved but not captured.

590

Approved but this EDC merchant is not set up to capture this card type.

Approved but this EDC merchant is not set up to capture this card type.

591

INV BANK

INV BANK

592

TRAN TYPE INVLD

TRAN TYPE INVLD

593

Approved debit card transaction.

Approved debit card transaction.

594

Global Payments gateway is experiencing a problem.

Global Payments gateway is experiencing a problem.

595

DB UNAVAIL 03

DB UNAVAIL 03

596

DB UNAVAIL 04

DB UNAVAIL 04

597

Merchant is not set up for debit on Global Payments Merchant Master File.

Merchant is not set up for debit on Global Payments Merchant Master File.

598

Invalid card number.

Invalid card number.

599

DB ISSUER UNAVAIL

DB ISSUER UNAVAIL

600

INVALID POS CARD

INVALID POS CARD

601

ACCT TYPE INVLD

ACCT TYPE INVLD

602

INVALID PREFIX

INVALID PREFIX

603

INVALID FIID

INVALID FIID

604

VERIFY

VERIFY

605

INVALID LIC

INVALID LIC

606

INVALID STATE CD

INVALID STATE CD

607

EDC application down, try later.

EDC application down, try later.

608

DB UNAVAIL 01

DB UNAVAIL 01

609

SCAN UNAVAILABLE

SCAN UNAVAILABLE

610

Exceeds withdrawal amount limit.

Exceeds withdrawal amount limit.

611

EXCEEDS MAX USES

EXCEEDS MAX USES

770

American Express CID failure.

American Express CID failure.

803

ISSUER UNAVAIL

ISSUER UNAVAIL

806

TRAN NOT ALLOWED

TRAN NOT ALLOWED

1140

INVALID INSTALLMENT

INVALID INSTALLMENT

1141

INVALID CURRENCY

INVALID CURRENCY

1142

INVALID ICC DATA

INVALID ICC DATA

1143

NA CAPT TXN

NA CAPT TXN

1144

FAX REQUIRED

FAX REQUIRED

1145

NA SETL TXN

NA SETL TXN

1146

USE CHIP READER

USE CHIP READER

1147

Only part of the requested amount was approved, but this EDC merchant is not set up to capture this card type.

Only part of the requested amount was approved, but this EDC merchant is not set up to capture this card type.

1149

PARTIAL AP

PARTIAL AP

1150

DECLINE DO NOT RETRY

DECLINE DO NOT RETRY

1151

DECLINE DO NOT RETRY

DECLINE DO NOT RETRY

1152

DECLINE RETRY LATER

DECLINE RETRY LATER

1153

DECLINE RETRY LATER

DECLINE RETRY LATER

1154

DECLINE RETRY LATER

DECLINE RETRY LATER

1155

DECLINE RETRY LATER

DECLINE RETRY LATER

1156

DECLINE DO NOT RETRY

DECLINE DO NOT RETRY

1157

DECLINE RETRY LATER

DECLINE RETRY LATER

1158

DECLINE RETRY LATER

DECLINE RETRY LATER

1159

DECLINE RETRY LATER

DECLINE RETRY LATER

1160

Do not attempt to submit this transaction again. The issuer will not approve the transaction.

Do not attempt to submit this transaction again. The issuer will not approve the transaction.

1161

Do not attempt to submit this transaction again. The issuer will not approve the transaction.

Do not attempt to submit this transaction again. The issuer will not approve the transaction.

1162

Do not attempt to submit this transaction again. The issuer will not approve the transaction.

Do not attempt to submit this transaction again. The issuer will not approve the transaction.

Chase Paymentech

Message ID

Cardholder message

Merchant message

346

Approved

Approved

347

Auth Declined

Auth Declined

348

Call Voice Oper

Call Voice Oper

349

Hold - Call

Hold - Call

350

Call Voice Oper

Call Voice Oper

351

Invalid Card No

Invalid Card No

352

Invalid Exp. Date

Invalid Exp. Date

353

Invalid ICA No

Invalid ICA No

354

Invalid ABA No

Invalid ABA No

355

Invalid PIN No

Invalid PIN No

356

Invalid Bank MID

Invalid Bank MID

357

Invalid Term No

Invalid Term No

358

Invalid Amount

Invalid Amount

359

Invalid Tran Fmt

Invalid Tran Fmt

360

Call Voice Oper

Call Voice Oper

361

Lost/Stolen Card

Lost/Stolen Card

362

Invalid PIN

Invalid PIN

363

Over Credit Flr

Over Credit Flr

364

Request Denied

Request Denied

365

Not Online to XX

Not Online to XX

366

Auth Down-Retry

Auth Down-Retry

367

Auth Declined

Auth Declined

368

Invalid Pin No

Invalid Pin No

369

Auth Declined

Auth Declined

370

Card Not Allowed

Card Not Allowed

371

PL Setup Reqd

PL Setup Reqd

372

BIN Not Allowed

BIN Not Allowed

373

Card Not Allowed

Card Not Allowed

374

Inv Merc Rstrct Code

Inv Merc Rstrct Code

375

Prod Restricted

Prod Restricted

376

Prod Not On File

Prod Not On File

377

Auth Declined

Auth Declined

378

Auth Declined

Auth Declined

379

Auth Declined

Auth Declined

380

Request Denied

Request Denied

381

Invalid Driver Number

Invalid Driver Number

382

PIN Not Selected

PIN Not Selected

383

Auth Declined

Auth Declined

384

CVC2/CID ERROR

CVC2/CID ERROR

385

Tran Not Defined

Tran Not Defined

386

Block Act Not Alwd

Block Act Not Alwd

387

Incorrect Act Amt

Incorrect Act Amt

388

Auth Down - Retry

Auth Down - Retry

389

Auth Busy - Retry

Auth Busy - Retry

390

Auth Busy - Retry

Auth Busy - Retry

391

Auth Error - Retry

Auth Error - Retry

392

Err - Pls Retry

Err - Pls Retry

393

Err - Pls Retry

Err - Pls Retry

394

Invalid Term ID

Invalid Term ID

395

Invalid Function

Invalid Function

396

Invalid Card

Invalid Card

397

Invalid Exp. Date

Invalid Exp. Date

398

Invalid Action Code

Invalid Action Code

399

Amt Entry Error

Amt Entry Error

400

Invalid PIN

Invalid PIN

401

Invalid Card

Invalid Card

402

Auth # Not Entered

Auth # Not Entered

403

Invalid Down Pay Ind

Invalid Down Pay Ind

404

Policy # Wrong Len

Policy # Wrong Len

405

Invalid Ind Code

Invalid Ind Code

406

Invalid Function

Invalid Function

407

Entry Mode Invalid

Entry Mode Invalid

408

Invalid Industry Data

Invalid Industry Data

409

Inv Fleet Data

Inv Fleet Data

410

Invalid Sys Info

Invalid Sys Info

411

Invalid Format

Invalid Format

412

Inv Transaction Class

Inv Transaction Class

413

Inv PIN Capability

Inv PIN Capability

414

Inv/Missing Retr Ref

Inv/Missing Retr Ref

415

Inv MSDI

Inv MSDI

416

Invalid Duration

Invalid Duration

417

Inv Pref Cust Ind

Inv Pref Cust Ind

418

Inv MO/TO Number

Inv MO/TO Number

419

Inv Sale/Chg Des/Folio

Inv Sale/Chg Des/Folio

420

Inv Mult Clr Seq No

Inv Mult Clr Seq No

421

Inv Purch Card Data

Inv Purch Card Data

422

Inv Input/Use VRU

Inv Input/Use VRU

423

Invalid EC Data 329

Invalid EC Data 329

424

INV Function or Multiple FS or Unknown TKN

INV Function or Multiple FS or Unknown TKN

425

INV TKN Value

INV TKN Value

426

CVD Data Error

CVD Data Error

427

TKN Data Error

TKN Data Error

428

Invalid Term ID

Invalid Term ID

429

Invalid Term ID

Invalid Term ID

430

Term Not Active

Term Not Active

431

Invalid Act Code

Invalid Act Code

432

Void Not Allowed

Void Not Allowed

433

Ref Num Not Found

Ref Num Not Found

434

Proc Error 7

Proc Error 7

435

Too Many Batches

Too Many Batches

436

Release Batch

Release Batch

437

Invalid Function

Invalid Function

438

Invalid Term ID

Invalid Term ID

439

Invalid Term ID

Invalid Term ID

440

Proc Error 13

Proc Error 13

441

Proc Error 14

Proc Error 14

442

Proc Error 15

Proc Error 15

443

Invalid Function

Invalid Function

444

Invalid Function

Invalid Function

445

Invalid Function

Invalid Function

446

Please Try Again

Please Try Again

447

Invalid Function

Invalid Function

448

Amount Too Large

Amount Too Large

449

Amount Too Large

Amount Too Large

450

Invalid Term ID

Invalid Term ID

451

Proc Error 24

Proc Error 24

452

Invalid Term ID

Invalid Term ID

453

Invalid Function

Invalid Function

454

Rev Not Allowed

Rev Not Allowed

455

Rev Not Allowed

Rev Not Allowed

456

Dscv Not Allowed

Dscv Not Allowed

457

Rev Not Allowed

Rev Not Allowed

458

Dscv Not Allowed

Dscv Not Allowed

459

DC Not Allowed

DC Not Allowed

460

CB Not Allowed

CB Not Allowed

461

Invalid Key

Invalid Key

462

Invalid Key

Invalid Key

463

Failed-Plz Call

Failed-Plz Call

464

Failed-Plz Call

Failed-Plz Call

465

Failed-Plz Call

Failed-Plz Call

466

Failed-Plz Call

Failed-Plz Call

467

Failed-Plz Call

Failed-Plz Call

468

Failed-Plz Call

Failed-Plz Call

469

Failed-Plz Call

Failed-Plz Call

470

JCB Not Allowed

JCB Not Allowed

471

JCB Not Allowed

JCB Not Allowed

472

Bank Not On File

Bank Not On File

473

No Sponsor Inst

No Sponsor Inst

474

Failed Plz Call

Failed Plz Call

475

WX Not Allowed

WX Not Allowed

476

Amount Too Large

Amount Too Large

477

Reenter Odometer

Reenter Odometer

478

479

Tran Not Allowed

Tran Not Allowed

480

Bat Already Rels

Bat Already Rels

481

Invalid Rtng Ind

Invalid Rtng Ind

482

AX Not Allowed

AX Not Allowed

483

Invalid Merchant

Invalid Merchant

484

Call Voice Op

Call Voice Op

485

Auth Down-Retry

Auth Down-Retry

486

Auth Busy-Retry

Auth Busy-Retry

487

Auth Busy-Retry

Auth Busy-Retry

488

Invalid Term ID

Invalid Term ID

489

Term Not Active

Term Not Active

490

No Transactions

No Transactions

491

Bat Already Rels

Bat Already Rels

492

Batch Not Found

Batch Not Found

794

NO CHECKING ACCT

NO CHECKING ACCT

805

Signature Debit Not Allowed

Signature Debit Not Allowed

T58

SMTINQ MISS AMEX SCAP T58

MISSING AMEX SCAP RECORD FOR AMEX OPTBLUE

TD

Message ID

Cardholder message

Merchant message

61

Approved

Approved

62

Approved

Approved

63

Approved

Approved

64

Approved

Approved

65

Approved

Approved

66

Approved

Approved

67

Approved

Approved

68

Approved

Approved

69

Approved

Approved

70

Approved

Approved

71

Declined

Declined

72

Declined EXPIRED CARD

Declined EXPIRED CARD

73

Declined

Declined

74

Declined

Declined

75

Declined

Declined

76

PLEASE TRY AGAIN

PLEASE TRY AGAIN

77

Declined

Declined

78

Declined

Declined

79

Declined

Declined

80

Declined

Declined

81

Declined

Declined

82

Declined

Declined

83

Declined

Declined

84

Declined

Declined

85

Declined

Declined

86

PLEASE TRY AGAIN

Declined

87

Declined

Declined ADJ NOT ALLOWED

88

Declined

Declined

89

Declined

Declined INVALID TRAN DATE

90

Declined

Declined

91

PLEASE TRY AGAIN

Declined

92

Declined

Declined

93

Declined

Declined

94

Declined

Declined

95

Declined

Declined

96

Declined

Declined

97

Declined

Declined

98

Declined

Declined

99

Declined

Declined

100

Declined

Declined DUPLICATE TRAN

101

Declined

Declined

102

Declined

Declined

103

Declined

Declined MAX PER REFUND

104

Declined

Declined NUM TIMES USED

105

Declined

Declined MAX REFUND TOTAL

106

Declined

Declined

107

Declined

Declined

108

Declined

Declined

109

Declined

Declined MAX REFUND NUMBER

110

Declined Do Not Retry

Declined Do Not Retry

111

Declined

Declined

112

Declined

Declined

113

Declined

Declined

114

Declined

Declined

115

Declined

Declined

116

Declined

Declined

117

Declined

Declined

118

Declined

Declined

119

Declined

Declined

120

Declined

Declined

121

Declined

Declined

122

Declined

Declined

123

Call for Auth

Call for Auth

124

Declined

Declined

125

Declined

Declined

126

Declined

Declined

127

Declined

Declined CARD NOT SUPPORTED

128

Declined

Declined

129

Declined

Declined

130

Declined

Declined

131

Declined

Declined

132

Declined

Declined

133

Declined

Declined

134

Declined

Declined

135

Declined

Declined

136

Declined

Declined

137

Declined

Declined

138

Declined

Declined

139

Declined

Declined SERVICE MERCHANT NOT ON FILE

140

Declined

Declined

141

Declined

Declined

142

Declined

Declined

143

Declined

Declined

144

Declined

Declined

145

Declined

Declined

146

Declined

Declined

147

Declined

Declined INVALID TRAN DATE

148

Declined

Declined INVALID EXP DATE

149

Declined

Declined INVALID TRANCODE

150

Declined

Declined

151

Declined

Declined

152

Declined

Declined

153

Declined

Declined

154

Declined

Declined BAD FORMAT

155

Declined

Declined BAD DATA

156

Declined

Declined

157

Declined

Declined

158

PLEASE TRY AGAIN

Declined - TIMEOUT

159

Declined

Declined

160

Declined

Declined TERMINAL DEACTIVATED

161

Declined

Declined BAD RESPONSE LENGTH

162

Declined

Declined

163

Declined

Declined

164

Declined

Declined

165

Declined

Declined

166

Declined

Declined BAD SEQUENCE NUMBER

167

Declined

Declined

168

Declined

Declined EXPIRED CARD

169

Declined

Declined

170

Declined

Declined

171

Declined

Declined

172

Declined

Declined

173

Declined

Declined

174

Declined

Declined

175

Declined

Declined

176

Declined Do Not Retry

Declined Do Not Retry

177

Declined

Declined ADMIN CARD NOT FOUND

178

Declined

Declined ADMIN CARD NOT ALLOWED

179

Declined

Declined

180

Declined

Declined

181

Declined

Declined

182

Declined

Declined

183

Declined

Declined

184

Declined

Declined

185

Declined

Declined

186

Declined

Declined

187

Declined

Declined

188

Declined

Declined

189

Declined

Declined

771

Declined

Declined

772

Declined

Declined

773

Declined

Declined

774

Declined

Declined

775

Declined

Declined

776

Declined

Declined

777

Declined

Declined

778

Declined

Declined

779

Declined

Declined

780

Declined

Declined

781

Declined

Declined

782

Declined

Declined

783

Declined

Declined

784

Declined

Declined

785

Declined

Declined

786

Declined

Declined

787

Declined

Declined

824

Approved

Approved

1178

PT Token Expired

PT Token Expired

1179

PT Token start date in the future, not active yet

PT Token start date in the future, not active yet

1180

PT Token and PAN are present in the request message

PT Token and PAN are present in the request message

1181

Invalid PT Token

Invalid PT Token

1182

Merchant does not subscribe to Merchant OMNI Tokenization

Merchant does not subscribe to Merchant OMNI Tokenization

1183

PT Token not present in request message

PT Token not present in request message

1184

PT Token is present, Expiry Date is not present

PT Token is present, Expiry Date is not present

1185

OMNI Tokenization is disabled

OMNI Tokenization is disabled

1186

Invalid API version

Invalid API version

1193

Declined

Declined Do Not Retry

Vital

Message ID

Cardholder message

Merchant message

494

Approval

Approval

495

Card OK

Card OK

496

Call

Call

497

Call

Call

498

No Reply

No Reply

499

No Reply

No Reply

500

Hold-call or Pick Up Card

Hold-call or Pick Up Card

501

Hold-call or Pick Up Card

Hold-call or Pick Up Card

502

Hold-call or Pick Up Card

Hold-call or Pick Up Card

503

Hold-call or Pick Up Card

Hold-call or Pick Up Card

504

Acct Length Err

Acct Length Err

505

Already Reversed

Already Reversed

506

Amount Error

Amount Error

507

Cant Verify PIN

Cant Verify PIN

508

Cant Verify PIN

Cant Verify PIN

509

Card No. Error

Card No. Error

510

Cashback Not App

Cashback Not App

511

Cashback Not Avl

Cashback Not Avl

512

Check Digit Err

Check Digit Err

513

CID Format Error

CID Format Error

514

Date Error

Date Error

515

Decline

Decline

516

Decline

Decline

517

Decline

Decline

518

Decline

Decline

519

Decline

Decline

520

Decline

Decline

521

Decline

Decline

522

Encryption Error

Encryption Error

523

Error

Error

524

Expired Card

Expired Card

525

Failure HV

Failure HV

526

Failure CV

Failure CV

527

Invalid Routing

Invalid Routing

528

Invalid Trans

Invalid Trans

529

No Account

No Account

530

No Action Taken

No Action Taken

531

Unsolic Reversal

Unsolic Reversal

532

No Action Taken

No Action Taken

533

No Check Account

No Check Account

534

No Credit Acct

No Credit Acct

535

No Save Account

No Save Account

536

No Such Issuer

No Such Issuer

537

PIN Exceeded

PIN Exceeded

538

RE Enter

RE Enter

539

Sec Violation

Sec Violation

540

Serv Not Allowed

Serv Not Allowed

541

Serv Not Allowed

Serv Not Allowed

542

Stop Recurring

Stop Recurring

543

Stop Recurring

Stop Recurring

544

System Error

System Error

545

Term Id Error

Term Id Error

546

Wrong Pin

Wrong Pin

547

CVV2 Mismatch

CVV2 Mismatch

548

Duplicate Trans

Duplicate Trans

549

Approval

Approval

550

Cannot Convert

Cannot Convert

551

Invalid ABA

Invalid ABA

552

Amount Error

Amount Error

553

Unpaid Items

Unpaid Items

554

Duplicate Number

Duplicate Number

555

MICR Error

MICR Error

556

Too Many Checks

Too Many Checks

1163

Partial Approval

Partial Approval

1164

Approval - VIP Approval

Approval - VIP Approval

1165

Approval - Honor Mastercard with ID

Approval - Honor Mastercard with ID

1166

SRCHG Not Allowed - Surcharge amount not permitted on Visa cards or EBT food stamps

SRCHG Not Allowed - Surcharge amount not permitted on Visa cards or EBT food stamps

1167

SRCHG Not Allowed - Surcharge amount not supported by debit network issuer

SRCHG Not Allowed - Surcharge amount not supported by debit network issuer

1168

System Error

System Error

1169

Undefined Response

Undefined Response

1173

Domestic Debit not allowed

Domestic Debit not allowed

1174

Suspected Fraud

Suspected Fraud

1175

Closed Account

Closed Account

Emulator

Message ID

Cardholder message

Merchant message

1

APPROVED

Approved

7

APPROVED

Transaction Declined