Bank Response Codes Explained

Bank Response Codes Explained

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.

 

Code Response Text Result Explanation
00 Transaction Approved Successful The transaction was successful.
01 Refer to Issuer Fail The 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.
02 Refer to Issuer, special Fail The 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.
03 No Merchant Fail The Merchant ID is invalid, you should
contact your Bank and ensure you have provided the correct Merchant Account
Number to eWAY.
04 Pick Up Card Fail The 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.
05 Do Not Honour Fail The 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.
06 Error Fail The 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.
07 Pick Up Card, Special Fail The 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.
08 Honour With Identification Successful The transaction was
successful. Some Banks use this code
instead of ‘00’.
09 Request In Progress Fail The 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.
10 Approved For Partial Amount Successful The transaction was successful.
11 Approved, VIP Successful The transaction was successful. (This code is not
used in Australia.)
12 Invalid Transaction Fail The 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.
13 Invalid Amount Fail An invalid character (e.g. a dollar sign or a
space) may be being passed to the gateway. Check your website’s code.
14 Invalid Card Number Fail The 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.
15 No Issuer Fail The customer’s bank (Card Issuer) does not
exist. Check the credit card
information and try processing the transaction again.
16 Approved, Update Track 3 Successful The transaction was successful.
19 Re-enter Last Transaction Fail The transaction has not been processed and the
customer should attempt to process the transaction again.
21 No Action Taken Fail The 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.
22 Suspected Malfunction Fail The 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.
23 Unacceptable Transaction Fee Fail An unspecified error has occurred.
25 Unable to Locate Record On File Fail The 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.
30 Format Error Fail The customer’s bank (Card Issuer) does not recognise the transaction
details. The customer should check the
transaction information and try processing the transaction again.
31 Bank Not Supported By Switch Fail The 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.
33 Expired Card, Capture Fail The 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.
34 Suspected Fraud, Retain Card Fail The customer’s bank (Card Issuer) has declined the
transaction as there is a suspected fraud on this Credit Card number.
35 Card Acceptor, Contact Acquirer, Retain Card Fail The 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.
36 Restricted Card, Retain Card Fail The 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.
37 Contact Acquirer Security Department, Retain Card Fail The 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.
38 PIN Tries Exceeded, Capture Fail The 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.
39 No Credit Account Fail The 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.
40 Function Not Supported Fail The 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.
41 Lost Card Fail The customer’s bank (Card Issuer) has declined the
transaction as the card has been reported lost. The customer should use an alternate credit
card.
42 No Universal Account Fail The 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.
43 Stolen Card Fail The customer’s bank (Card Issuer) has declined the
transaction as the card has been reported stolen. The customer should use an alternate credit
card.
44 No Investment Account Fail The 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.
51 Insufficient Funds Fail The 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.
52 No Cheque Account Fail The 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.
53 No Savings Account Fail The 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.
54 Expired Card Fail The 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.
55 Incorrect PIN Fail The 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.
56 No Card Record Fail The Customer’s bank has declined the transaction
as the credit card number does not exist.
The customer should use an alternate credit card.
57 Function Not Permitted to Cardholder Fail The 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.
58 Function Not Permitted to Terminal Fail The 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.
59 Suspected Fraud Fail The customer’s bank has declined this transaction as the
credit card appears to be fraudulent.
60 Acceptor Contact Acquirer Fail The customer’s bank (card issuer) has declined the
transaction. The customer should
contact their bank and retry the transaction.
61 Exceeds Withdrawal Limit Fail The customer’s bank has declined the transaction as it
will exceed the customer’s card limit.
The
customer should use an alternate credit card.
62 Restricted Card   The customer’s bank has declined the transaction
as the credit card has some restrictions.
The customer should use an alternate credit card.
63 Security Violation Fail The customer’s bank has declined the transaction. The customer should use an alternate
credit card.
64 Original Amount Incorrect Fail The 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.
65 Exceeds withdrawal FAIL The customer’s bank has declined the transaction as the
customer has exceeded the withdrawal frequency limit. The customer should use an alternate
credit card.
66 Acceptor Contact Acquirer, Security Fail The customer’s bank has declined the transaction and
request the Merchant to contact the bank.
The
customer should use an alternate credit card.
67 Capture Card Fail The 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.
75 PIN Tries Exceeded Fail The 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.
82 CVV Validation Error Fail The 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.
90 Cutoff In Progress Fail The customer’s bank is temporarily not able to process
this customer’s credit card. The
customer should attempt to process this transaction again.
91 Card Issuer Unavailable Fail The customer’s bank is unable to be contacted to
authorise the transaction. The
customer should attempt to process this transaction again.
92 Unable To Route Transaction Fail The 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.
93 Cannot Complete, Violation Of The Law Fail The customer’s bank has declined the transaction
and request the customer to contact their bank. The customer should use an alternate credit
card.
94 Duplicate Transaction Fail The customer’s bank has declined the transaction as this
transaction appears to be a duplicate transmission. No action required.
96 System Error Fail The 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.