Request and response codes

network identifications network name est cutoff time 1 domestic 2 accel/exchange 15 59 59 3 interlink 5 59 59 4 et 00 59 59 5 mastercard/ maestro 17 29 59 6 moneysend 01 59 59 7 nyce 15 29 59 8 pulse 00 59 59 9 rpps 16 59 59 10 star 17 59 59 11 visa/plus 5 59 59 12 international 13 visaintl 14 intlmastercard purpose of payment (pop) codes international transactions in the following countries require purposeofpayment values in the transaction request argentina bangladesh chile columbia egypt india mexico no description code 1 account management isacct 2 air transport related business isairb 3 transaction is the payment of allowance isallw 4 settlement of annuity isanni 5 unemployment disability benefit isbene 6 business expenses isbexp 7 bonus payment isbonu 8 bus transport related business isbusb 9 cash management transfer iscash 10 payment of cable tv bill iscbtv 11 government institute issued related to cash compensation, helplessness, and disability iscchd 12 credit card payment isccrd 13 payment of credit card bill iscdbl 14 payment for charity reasons ischar 15 collection payment iscoll 16 commercial payment iscomc 17 commission iscomm 18 compensation relating to interest loss / value date adjustment and can include fees iscomp 19 payment of copyright iscpyr 20 related to a debit card payment isdcrd 21 payment of a deposit isdept 22 payment of dividend isdivd 23 payment of study / tuition fees iseduc 24 payment of electricity bill iselec 25 energies isenrg 26 general fees isfees 27 payment for ferry related business isferb 28 foreign exchange isfrex 29 payment of gas bill isgasb 30 compensation to unemployed persons during insolvency procedures isgfrp 31 government payment isgovt 32 health insurance ishlti 33 reimbursement of credit card payment isiccp 34 reimbursement of debit card payment isidcp 35 payment of car insurance premium isinpc 36 transaction is related to the payment of an insurance claim isinsc 37 installment isinsm 38 insurance premium isinsu 39 payment of mutual funds, investment products and shares isinvs 40 intra company payment isintc 41 interest isinte 42 income tax isintx 43 investment isinvs 44 labor insurance islbri 45 license fee islicf 46 life insurance islifi 47 loan isloan 48 medical services ismdcs 49 mobile p2b payment ismp2b 50 mobile p2p payment ismp2p 51 mobile top up ismtup 52 not otherwise specified isnows 53 other isothr 54 transaction is related to a payment of another telecom related bill isotlc 55 payroll ispayr 56 contribution to pension fund ispefc 57 pension payment ispens 58 payment of telephone bill isphon 59 property insurance isppti 60 transaction is for general rental / lease isrelg 61 the payment of rent ispens 62 payment for railway transport related business isrlwy 63 royalties isroya 64 salary payment issala 65 payment to savings / retirement account issavg 66 securities issecu 67 social security benefit isssbe 68 study isstdy 69 subscription issubs 70 supplier payment issupp 71 refund of a tax payment or obligation istaxr 72 tax payment istaxs 73 transaction is related to a payment of telecommunications related bill istbil 74 trade services operation istrad 75 treasury payment istrea 76 payment for travel istrpt 77 utility bill payment isubil 78 value added tax payment isvatx 79 withholding iswhld 80 payment of water bill iswter card issuer response codes table reason code description suggested action 00 approved 01 refer to card issuer 02 refer to card issuers special conditions 03 invalid merchant do not try the transaction again immediately contact p2p support\@crossriver com mailto\ p2p support\@crossriver com 04 pickup trying again is not permitted with the same pan or token ask for an alternate payment method from the customer and/or advise the cardholder to contact their issuer 05 do not honor advise the cardholder to contact their issuer 06 general error 07 pickup card, special conditions 08 honor with identification 09 request in progress 10 partial amount approved 11 vip approval 12 invalid transaction trying again is not permitted check for potential fraud or issues with the merchant terminal review these fields for possible failure conditions cvv or card authorization result check for potential fraud 13 invalid amount (currency conversion field overflow) or amount exceeds maximum for card program 14 invalid account number (no such number) trying again is not permitted with the same pan or token check card details or reauthorize the card check for potential fraud 15 no such issuer trying again is not allowed with the same pan or token check the account number again for accuracy check for potential fraud 16 approved, update track 3 17 customer cancellation 18 customer dispute 19 re enter transaction 20 invalid response 21 no action taken 22 suspected malfunction 23 unacceptable transaction fee 24 file update not supported by receiver 25 unable to locate record on file 26 duplicate file update record, old record replaced 27 file update field edit error 28 file is temporarily unavailable 29 file update not successful, contact acquirer 30 format error contact p2p support\@crossriver com mailto\ p2p support\@crossriver com 31 bank not supported contact p2p support\@crossriver com mailto\ p2p support\@crossriver com 32 completed partially 33 expired card 34 suspected fraud 35 card acceptor, contact acquirer 36 restricted card 37 card acceptor, call acquirer security 38 allowed pin tries exceeded 39 no credit account 40 requested function not supported contact p2p support\@crossriver com mailto\ p2p support\@crossriver com 41 merchant should retain card (card reported lost) 42 no universal account 43 merchant should retain card (card reported stolen) trying again is not permitted with the same pan or token ask for an alternate payment method from the customer and/or advise the cardholder to contact their issuer 51 insufficient funds merchant can try again for a lesser amount, or they can try again later this allows the cardholder to fund their debit account or pay down their credit account merchants can reduce nsf declines by implementing the partial authorization service 52 no checking account advise the cardholder to contact their issuer 53 no savings account 54 expired card check the expiration date before trying again look out for potential fraud happening through repeated attempts or from suspicious activity 55 incorrect pin try again with a valid value (re enter pin) retry failed transactions as non pin, if possible (pos) 56 no card record 57 transaction not permitted for cardholder trying again is not permitted with the same pan or token ask for an alternate payment method from the customer and/or advise the cardholder to contact their issuer 58 transaction not allowed at terminal contact p2p support\@crossriver com mailto\ p2p support\@crossriver com 59 suspected fraud advise the cardholder to contact their issuer try again with the same pan or token after the cardholder confirms 61 activity amount limit exceeded to allow the limits to reset, don't retry the transaction the same day advise the cardholder to call their issuing bank to find out the limit and reason for the decline 62 restricted card for example, in country exclusion table we don't recommend trying again immediately with the same pan or token try again after the customer confirms the restriction has been removed 63 security violation 65 activity count limit exceeded to allow the limits to reset, don't try the transaction again the same day advise the cardholder to contact their issuer 68 response received too late 75 allowable number of pin entry tries exceeded try again with a valid value (re enter pin) if possible, retry failed transactions as non pin 76 unable to locate previous message (no match on retrieval reference) 77 previous message located for a repeat or reversal, but data is inconsistent with original message 78 "blocked, first used" (transaction is from a new card and the card wasn't properly unblocked) if the cardholder confirms that the card has been activated or reactivated, the merchant can try the transaction again 80 visa transactions credit issuer unavailable private label and check acceptance invalid date 81 pin cryptographic error found (error found by vic security module during pin decryption) 82 negative cam, dcvv, icvv, or cvv results track attempts for potential fraud and check verification values focus on cvv 83 unable to verify pin 85 no reason to decline a request for account number verification, address verification, cvv2 verification or a credit voucher or merchandise return 91 issuer unavailable or switch inoperative (stip not applicable or available for this transaction) in these cases, don't attempt to retry the transaction instead, wait until the next day and check the status in the daily settlement file contact p2p support\@crossriver com mailto\ p2p support\@crossriver com 92 destination can't be found for routing trying again immediately with the same pan or token is not allowed try again after the customer confirms the restriction has been removed 93 transaction can't be completed, violation of law 94 duplicate transmission 95 reconcile error 96 system malfunction, or certain field error conditions contact p2p support\@crossriver com mailto\ p2p support\@crossriver com b1 surcharge amount not permitted on visa cards (us acquirers only) n0 force stip n3 cash service not available n4 cashback request exceeds issuer limit n7 decline for cvv2 failure p2 invalid biller information p5 pin change/unblock request declined p6 unsafe pin q1 card authentication failed r0 stop payment order r1 revocation of authorization order r3 revocation of all authorization orders xa forward to issuer xd forward to issuer z3 unable to go online