Bank Response Codes

response code

Common types of responses from the banks include:

  • Transaction approved: Your customer’s transaction was processed successfully.
  • Insufficient funds: The customer’s bank noted that there was not enough money available on the card.
  • Card expired: The card used is expired. Has the card been replaced?
  • Refer to issuer: This can mean many different things, ultimately you will need to tell your customer to contact their card issuing bank. Do they have another card they can use?

Please find below a more complete list of the Response Codes you may receive from your merchant bank, plus a description on what those responses mean.

BUY DUMPS WITH PIN

CodeResponse TextResultExplanation
00Transaction ApprovedSuccessfulThe transaction was successful.
01Refer to IssuerFailThe customer’s bank (Card Issuer) has indicated
there is a problem with the credit card number. The customer should contact their
bank. The customer should use an
alternate credit card.
02Refer to Issuer, specialFailThe customer’s bank (Card Issuer) has indicated
there is a problem with the credit card number. The customer should contact their bank.
The
customer should use an alternate credit card.
03No MerchantFailThe Merchant ID is invalid, you should
contact your Bank and ensure you have provided the correct Merchant Account
Number to eWAY.
04Pick Up CardFailThe customer’s bank (Card Issuer) has declined the
transaction and requested that your customer’s credit card be retained. (card
reported lost or stolen). The
customer should use an alternate credit card.
05Do Not HonourFailThe customer’s bank has declined the
transaction as the credit card number has failed a security check, or the
funds have been frozen or depleted.
The customer should use an alternate credit card.
06ErrorFailThe customer’s bank (Card Issuer) has declined the
transaction as there is a problem with the credit card number. The customer should contact their
bank. The customer should use an
alternate credit card.
07Pick Up Card, SpecialFailThe customer’s bank (Card Issuer) has declined the
transaction and requested that your customer’s credit card be retained. (card
reported lost or stolen) The customer
should use an alternate credit card.
08Honour With IdentificationSuccessfulThe transaction was
successful. Some Banks use this code
instead of ‘00’.
09Request In ProgressFailThe customer’s bank (Card Issuer) has indicated
there is a problem with the credit card number. The customer should contact their
bank. The customer should use an
alternate credit card.
10Approved For Partial AmountSuccessfulThe transaction was successful.
11Approved, VIPSuccessfulThe transaction was successful. (This code is not
used in Australia.)
12Invalid TransactionFailThe customer’s bank (Card Issuer) has declined the
transaction because of an invalid format or field. Check the transaction information and try
processing the transaction again.
13Invalid AmountFailAn invalid character (e.g. a dollar sign or a
space) may be being passed to the gateway. Check your website’s code.
14Invalid Card NumberFailThe customer’s bank (Card Issuer) has declined the
transaction as the Credit Card number does not exist. Check the credit card information and try
processing the transaction again.
15No IssuerFailThe customer’s bank (Card Issuer) does not
exist. Check the credit card
information and try processing the transaction again.
16Approved, Update Track 3SuccessfulThe transaction was successful.
19Re-enter Last TransactionFailThe transaction has not been processed and the
customer should attempt to process the transaction again.
21No Action TakenFailThe customer’s bank (Card Issuer) has indicated
there is a problem with the credit card number. The customer should contact their
bank. The customer should use an
alternate credit card.
22Suspected MalfunctionFailThe customer’s bank (Card Issuer) cannot be
contacted during the transaction. The
customer should check the credit card information and try processing
the transaction again.
23Unacceptable Transaction FeeFailAn unspecified error has occurred.
25Unable to Locate Record On FileFailThe customer’s bank (Card Issuer) does not recognise the credit card
details. The customer should check the
credit card information and try processing the transaction again.
30Format ErrorFailThe customer’s bank (Card Issuer) does not recognise the transaction
details. The customer should check the
transaction information and try processing the transaction again.
31Bank Not Supported By SwitchFailThe customer’s bank (Card Issuer) has declined the
transaction as it does not allow transactions originating through mail /
telephone, fax, email or Internet orders.
This error is associated customers attempting to use a Discover
Card. The customer should use an
alternate credit card.
33Expired Card, CaptureFailThe customer’s bank (Card Issuer) has declined the
transaction as Credit Card has expired or the date is incorrect. Check the expiry date in the transaction
and try processing the transaction again.
34Suspected Fraud, Retain CardFailThe customer’s bank (Card Issuer) has declined the
transaction as there is a suspected fraud on this Credit Card number.
35Card Acceptor, Contact Acquirer, Retain CardFailThe customer’s bank (Card Issuer) has declined the
transaction and requested that the customer’s credit card be retained (card
reported lost or stolen). The
customer should use an alternate credit card.
36Restricted Card, Retain CardFailThe customer’s bank (Card Issuer) has declined the
transaction and requested that the customer’s credit card be retained. (card
reported lost or stolen) The customer
should use an alternate credit card.
37Contact Acquirer Security Department, Retain CardFailThe customer’s bank (Card Issuer) has declined the
transaction and requested that your customer’s credit card be retained. (card
reported lost or stolen) The
customer should use an alternate credit card.
38PIN Tries Exceeded, CaptureFailThe customer’s bank (Card Issuer) has declined the
transaction as the customer has entered the incorrect PIN three times. The customer’s bank (Card Issuer) has
requested you retain the credit card.
The customer should use an alternate credit card and contact their
bank.
39No Credit AccountFailThe customer’s bank has declined the transaction as the
Credit Card number used is not a credit account. The customer should use an alternate credit
card.
40Function Not SupportedFailThe customer’s bank (Card Issuer) has declined the
transaction as it does not allow this type of transaction. The customer should use an alternate credit
card.
41Lost CardFailThe customer’s bank (Card Issuer) has declined the
transaction as the card has been reported lost. The customer should use an alternate credit
card.
42No Universal AccountFailThe customer’s bank (Card Issuer) has declined the
transaction as the account type selected is not valid for this credit card
number. The customer should use an
alternate credit card.
43Stolen CardFailThe customer’s bank (Card Issuer) has declined the
transaction as the card has been reported stolen. The customer should use an alternate credit
card.
44No Investment AccountFailThe customer’s bank (Card Issuer) has declined the
transaction as the account type selected is not valid for this credit card
number. The customer should use an alternate
credit card.
51Insufficient FundsFailThe customer’s bank (Card Issuer) has declined the
transaction as the credit card does not have sufficient funds. The customer should use an alternate credit
card.
52No Cheque AccountFailThe customer’s bank (Card Issuer) has declined the
transaction as the credit card number is associated to a cheque account that
does not exist. The customer should
use an alternate credit card.
53No Savings AccountFailThe customer’s bank (Card Issuer) has declined the
transaction as the credit card number is associated to a savings account that
does not exist. The customer should
use an alternate credit card.
54Expired CardFailThe customer’s bank (Card Issuer) has declined the
transaction as the credit card appears to have expired. The customer should check the expiry date
entered and try again, or use an alternate credit card.
55Incorrect PINFailThe customer’s bank (Card Issuer) has declined the
transaction as the customer has entered an incorrect PIN. The customer should re-enter their PIN,
otherwise use an alternate credit card.
56No Card RecordFailThe Customer’s bank has declined the transaction
as the credit card number does not exist.
The customer should use an alternate credit card.
57Function Not Permitted to CardholderFailThe Customer’s bank has declined the transaction as this
credit card cannot be used for this type of transaction. The customer should use an alternate
credit card.
58Function Not Permitted to TerminalFailThe Customer’s bank has declined the
transaction as this credit card cannot be used for this type of
transaction. This may be associated
with a test credit card number. The
customer should use an alternate credit card.
59Suspected FraudFailThe customer’s bank has declined this transaction as the
credit card appears to be fraudulent.
60Acceptor Contact AcquirerFailThe customer’s bank (card issuer) has declined the
transaction. The customer should
contact their bank and retry the transaction.
61Exceeds Withdrawal LimitFailThe customer’s bank has declined the transaction as it
will exceed the customer’s card limit.
The
customer should use an alternate credit card.
62Restricted Card The customer’s bank has declined the transaction
as the credit card has some restrictions.
The customer should use an alternate credit card.
63Security ViolationFailThe customer’s bank has declined the transaction. The customer should use an alternate
credit card.
64Original Amount IncorrectFailThe customer’s bank has declined the transaction
due to the amount attempting to be processed.
The customer should check the transaction amount and try again.
65Exceeds withdrawalFAILThe customer’s bank has declined the transaction as the
customer has exceeded the withdrawal frequency limit. The customer should use an alternate
credit card.
66Acceptor Contact Acquirer, SecurityFailThe customer’s bank has declined the transaction and
request the Merchant to contact the bank.
The
customer should use an alternate credit card.
67Capture CardFailThe customer’s bank has declined the transaction
as the card is suspected to be counterfeit.
The customer’s bank (Card Issuer) has requested that your customer’s
credit card be retained. The customer should use an alternate credit card.
75PIN Tries ExceededFailThe customer’s bank has declined the transaction as the
customer has entered the incorrect PIN more than three times. The customer should use an alternate credit
card.
82CVV Validation ErrorFailThe customer’s bank has declined the transaction
as the CVV is incorrect. The customer
should check the CVV details and try again.
If not successful, the customer should use an alternate credit card.
90Cutoff In ProgressFailThe customer’s bank is temporarily not able to process
this customer’s credit card. The
customer should attempt to process this transaction again.
91Card Issuer UnavailableFailThe customer’s bank is unable to be contacted to
authorise the transaction. The
customer should attempt to process this transaction again.
92Unable To Route TransactionFailThe customer’s bank cannot be
found for routing. This response code is often returned when the customer is
using a test credit card number. The
customer should attempt to process this transaction again.
93Cannot Complete, Violation Of The LawFailThe customer’s bank has declined the transaction
and request the customer to contact their bank. The customer should use an alternate credit
card.
94Duplicate TransactionFailThe customer’s bank has declined the transaction as this
transaction appears to be a duplicate transmission. No action required.
96System ErrorFailThe customer’s bank was not able to process the
transaction. The customer should
attempt to process this transaction again.

Important notes:

  1. The text “CUST CONTACT THEIR BANK”/”CONTACT BANK” means that you need to advise your customer to contact their bank to enquire if there is a problem with their card. If repeated attempts to collect money from this customer using a credit card fail, you should request an alternate credit card for payment.
  2. The actual response text displayed with a response code may vary between banks, and is subject to change at any time. The response text may also vary between test and live systems.
  3. The majority of response codes in the range 00-99 are returned by the card holder’s bank- eWAY and your merchant bank do not have any control over them.

Leave a Reply

Your email address will not be published. Required fields are marked *