Cancelled

00: Approved or completed successfully

The transaction was cancelled after being initially approved by the issuer. This can be due to various reasons, for example, if the shopper returns goods after purchase.

Refused

01: Refer to card issuer

The transaction was refused by the card issuer. The shopper should contact their bank for clarification. The shopper can try again after resolving the issue with their bank, or use another payment method.

Refused

03: Invalid merchant

The transaction was refused by the card issuer. The shopper should contact their bank for clarification. The shopper can try again after resolving the issue with their bank, or use another payment method.

Refused

04: Capture card / Pick-up

The card issuer requests to retain the card. This can be due to a suspected counterfeit or stolen card. This reason is used in an E-Commerce environment although it originates from a POS (Point Of Sale) environment.

Refused

05: Do not honour

This is a generic refusal that has several possible causes. The shopper should contact their issuing bank for clarification.

Error

06: Error

Payment could not be authorised and resulted in an error. The shopper can try again or use another payment method.

Refused

07: Pickup card, special condition

The card issuer requests to retain the card. This can be due to a suspected counterfeit or stolen card.

Cancelled

10: Partial approval

The transaction was cancelled. Some card issuers support partial-approval authorization. This approves a part of the requested transaction, leaving the remainder to be paid with another form of tender.

Refused

12: Invalid transaction

The card issuer does not allow this type of transaction on this card/account. For example, the card is a fleet card for which this type of transaction is not permitted.

Refused

13: Invalid amount

The card issuer has declined the transaction because of an invalid format or field. This response usually occurs with Cirrus or Maestro Debit and Prepaid Cards or cards that are not allowed to do online purchases. The shopper should try again or use another payment method.

Refused

14: Invalid card number

The card issuer is unable to validate the card/account number.

Refused

15: Invalid issuer

The card number is not within a card number range supported by the scheme.

Refused

19: Re-enter transaction

Applies for Visa. The transaction cannot be processed temporarily.

Refused

30: Format error

The card issuer does not recognize the transaction details being entered. This is due to a format error. The shopper should check the transaction information and try again.

Refused

41: Lost card

The card was reported as lost. Validate the shopper's authenticity and refer them to their bank.

Refused

43: Stolen card

The card was reported as stolen. Validate the shopper's authenticity and refer them to their bank.

Refused

46: Closed account

Applies for Visa. The account is closed. Re-validate the account number for accuracy and do not reattempt with the same PAN or token.

Refused

51: Insufficient funds/over credit limit / Not sufficient funds

Insufficient funds in the cardholder's account. The shopper can try again after adding funds to their bank account, or use another payment method.

Refused

54: Expired card

The card expiration date is in the past. The shopper should correct the date or use another payment method.

Refused

55: Invalid PIN

The shopper has entered an incorrect PIN. The shopper should re-enter their PIN or use another payment method.

Refused

57: Transaction not permitted to issuer/cardholder

The card issuer does not permit the transaction on this card/account. The shopper can use another payment method. For activation or loading of prepaid cards, the Merchant, acquirer BIN, and issuer BIN are not all domestic. An issuer's processing center is not certified to receive transaction-specific data in TLV format (field 104 in request message).

Refused

58: Transaction not permitted to acquirer/terminal

Card issuer does not permit the transaction on this card/account. Shopper can use another payment method or contact their bank.

Refused

59: Suspected fraud

The transaction is refused because the card issuer suspects this payment to be fraudulent.

Refused

61: Exceeds withdrawal amount limit(s) / Withdrawal amount limit exceeded

The shopper has exceeded their card limit. The shopper can try again after resolving the issue with their bank, or use another payment method.

Refused

62: Restricted card

The card issuer has restricted where the card can be used. For example, because of embargoes.

Refused

63: Security violation

The card issuer indicated a security issue with this card. The shopper can use another payment method. Alternatively, the shopper can try again after they resolved the issue with their bank.

Refused

65: Exceeds withdrawal count limit / Withdrawal count limit exceeded

The shopper has exceeded their card usage frequency limit. The shopper can use another payment method or try again with the same card after the shopper took care of the card limit issue.

Refused

6P: Customer ID verification failed

Applies for Visa. Incorrect account verification (for example driving license number) related to Visa Direct. Not to be confused for cardholder verification method refusals such as CVV, for example.

Refused

65: Authentication required

Applies for Mastercard. Authentication is required for the transaction. If the transaction is in scope of PSD2 and did not go through 3D Secure, try again with 3D Secure. This is also referred to as a "Soft Decline".

Refused

70: Contact Card Issuer

Applies for Mastercard. The card issuer indicated an issue with this card and requests contact from the shopper. The shopper can use another payment method. Alternatively the shopper can try again after they resolved the issue with their bank.

Refused

70: PIN data required

Applies for Visa. The card issuer requests to use Secure Customer Authentication. Reattempt transaction with PIN. (European Region Only)

Refused

75: Allowable number of PIN tries exceeded

The shopper has entered an incorrect PIN more times than is allowed by the issuing bank. The shopper should try again or use another payment method.

Refused

78: Invalid/nonexistent account specified (general)

The transaction is from a new cardholder, and the card has not been properly unblocked.

Refused

79: Life Cycle

Applies for Mastercard. The transaction is refused due to invalid card data. View the Merchant Advice Code for follow-up action.

Refused

80: Credit issuer unavailable

The issuing bank cannot be contacted. The shopper should try again or use another payment method.

Refused

82: Policy

Applies for Mastercard. The transaction is refused due to a policy reason. View the Merchant Advice Code for follow-up action.

Refused

82: Negative online CAM, dCVV, iCVV, CVV, or CAVV results or Offline PIN authentication interrupted

Applies for Visa. The cardholder verification method failed for CAM, dCVV, iCVV, CVV or a service code for card present transactions.

Refused

83: Fraud / Security

Applies for Mastercard. The transaction is refused because the card issuer suspects this payment to be fraudulent. View the Merchant Advice Code for follow-up action.

Authorised

85: No reason to decline a request for account number verification, address verification, CVV2 verification, or a credit voucher or merchandise return

Zero-value auth request authorised.

Authorised

85: Not declined (Valid for all zero amount transactions)

Zero-value auth request authorised.

Refused

86: Cannot verify PIN

Applies for Visa. The PIN cannot be validated. If applicable, the transaction can be reattempted as a non-PIN transaction.

Refused

91: Authorization Platform or issuer system inoperative / Issuer not available

The issuing bank cannot be contacted. The shopper should try again or use another payment method.

Error

91: Issuer unavailable or switch inoperative

The issuer or issuer processor cannot authorize, for example because of downtime.

Refused

92: Destination cannot be found for routing / Unable to route transaction

The shopper is using a test card number on live. The shopper should use another payment method.

Refused

93: Transaction cannot be completed; violation of law

The issuing bank will not allow this transaction. The shopper should use another payment method.

Refused

96: System malfunction

The issuing bank cannot be contacted. The shopper should try again or use another payment method.

Refused

1A: Authentication Required

Applies for Visa. Authentication is required for the transaction. If the transaction is in scope of PSD2 and did not go through 3D Secure, try again with 3D Secure. This is also referred to as a "Soft Decline".

Refused

R0: Stop payment order

Applies for Visa. The cardholder requested to stop a specific, single recurring payment transaction. Contact the shopper regarding cancellation of this transaction.

Refused

R1: Revocation of authorisation order

Applies for Visa. The cardholder requested to stop all recurring payment transactions. Contact the shopper regarding cancellation of all transactions.

Refused

R3: Revocation of all authorisation orders

Applies for Visa. All recurring payments have been cancelled for the card number in the request. Contact the shopper regarding cancellation of all transactions.

Refused

Z1: Offline-declined

Applies for Visa. Only used in non-cardholder requests such as advice.

Refused

Z3: Unable to go online; offline-declined

Applies for Visa. Only used in non-cardholder requests such as advice.