Card payments

Request and response codes

4min

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.

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.

  1. Review these fields for possible failure conditions: CVV or Card Authorization Result
  2. 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.

  1. Check card details or reauthorize the card.
  2. Check for potential fraud

15

No such issuer

  1. Trying again is not allowed with the same PAN or token.
  2. Check the account number again for accuracy.
  3. 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

31

Bank not supported

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

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

  1. Check the expiration date before trying again.
  2. Look out for potential fraud happening through repeated attempts or from suspicious activity.

55

Incorrect PIN

  1. Try again with a valid value (re-enter PIN).
  2. 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

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

  1. Try again with a valid value (re-enter PIN).
  2. 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.

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

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



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Updated 30 Sep 2024
Doc contributor
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