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.
Contact: [email protected].
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: [email protected].
31
Bank not supported
Contact: [email protected].
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: [email protected].
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: [email protected].
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: [email protected].
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: [email protected].
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
﻿

	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

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

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: [email protected].
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: [email protected].
31	Bank not supported	Contact: [email protected].
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: [email protected].
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: [email protected].
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: [email protected].
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: [email protected].
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

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