Request and response codes: Card payments

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 code description isacct account management isairb air transport related business isallw transaction is the payment of allowance isanni settlement of annuity isbene unemployment disability benefit isbexp business expenses isbonu bonus payment isbusb bus transport related business iscash cash management transfer iscbtv payment of cable tv bill iscchd government institute issued related to cash compensation, helplessness, and disability isccrd credit card payment iscdbl payment of credit card bill ischar payment for charity reasons iscoll collection payment iscomc commercial payment iscomm commission iscomp compensation relating to interest loss / value date adjustment and can include fees iscpyr payment of copyright isdcrd related to a debit card payment isdept payment of a deposit isdivd payment of dividend iseduc payment of study / tuition fees iselec payment of electricity bill isenrg energies isfees general fees isferb payment for ferry related business isfrex foreign exchange isgasb payment of gas bill isgfrp compensation to unemployed persons during insolvency procedures isgovt government payment ishlti health insurance isiccp reimbursement of credit card payment isidcp reimbursement of debit card payment isinpc payment of car insurance premium isinsc transaction is related to the payment of an insurance claim isinsm installment isinsu insurance premium isinvs payment of mutual funds, investment products and shares isintc intra company payment isinte interest isintx income tax isinvs investment islbri labor insurance islicf license fee islifi life insurance isloan loan ismdcs medical services ismp2b mobile p2b payment ismp2p mobile p2p payment ismtup mobile top up isnows not otherwise specified isothr other isotlc transaction is related to a payment of another telecom related bill ispayr payroll ispefc contribution to pension fund ispens pension payment isphon payment of telephone bill isppti property insurance isrelg transaction is for general rental / lease ispens the payment of rent isrlwy payment for railway transport related business isroya royalties issala salary payment issavg payment to savings / retirement account issecu securities isssbe social security benefit isstdy study issubs subscription issupp supplier payment istaxr refund of a tax payment or obligation istaxs tax payment istbil transaction is related to a payment of telecommunications related bill istrad trade services operation istrea treasury payment istrpt payment for travel isubil utility bill payment isvatx value added tax payment iswhld withholding iswter payment of water bill card issuer response codes table when adding a card the the following response code will be received in the response body combined response codes from visa and mastercard networks these are primarily iso 8583 standard codes used across card payment networks some codes are not supported by some networks the checkmark indicates if this code is one that is returned by either visa or mc code description category suggested action visa mc iso 8583 00 approved approval ✓ ✓ ✓ 01 refer to card issuer referral ✓ ✓ ✓ 02 refer to card issuers special conditions referral ✓ ✓ 03 invalid merchant decline card do not try the transaction again immediately contact p2p support\@crossriver com mailto\ p2p support\@crossriver com ✓ ✓ ✓ 04 pickup decline card 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 decline card advise the cardholder to contact their issuer ✓ ✓ ✓ 06 general error system ✓ ✓ 07 pickup card, special conditions decline card ✓ ✓ 08 honor with identification approval ✓ ✓ 09 request in progress system ✓ 10 partial amount approved approval ✓ ✓ ✓ 11 vip approval approval ✓ ✓ 12 invalid transaction decline 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 decline transaction ✓ ✓ ✓ 14 invalid account number (no such number) decline card 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 decline card 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 approval ✓ 17 customer cancellation system ✓ 18 customer dispute system ✓ 19 re enter transaction system ✓ ✓ 20 invalid response system ✓ 21 no action taken system ✓ ✓ 22 suspected malfunction system ✓ 23 unacceptable transaction fee decline transaction ✓ 24 file update not supported by receiver system ✓ 25 unable to locate record on file system ✓ ✓ 26 duplicate file update record, old record replaced system ✓ 27 file update field edit error system ✓ 28 file is temporarily unavailable system ✓ ✓ 29 file update not successful, contact acquirer system ✓ 30 format error system contact p2p support\@crossriver com mailto\ p2p support\@crossriver com ✓ ✓ 31 bank not supported system contact p2p support\@crossriver com mailto\ p2p support\@crossriver com ✓ 32 completed partially approval ✓ 33 expired card decline card ✓ 34 suspected fraud decline security ✓ 35 card acceptor, contact acquirer decline transaction ✓ 36 restricted card decline card ✓ 37 card acceptor, call acquirer security decline security ✓ 38 allowed pin tries exceeded decline security ✓ 39 no credit account decline card ✓ ✓ 40 requested function not supported decline transaction contact p2p support\@crossriver com mailto\ p2p support\@crossriver com ✓ 41 merchant should retain card (card reported lost) decline card ✓ ✓ ✓ 42 no universal account decline card ✓ 43 merchant should retain card (card reported stolen) decline card 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 ✓ ✓ ✓ 46 closed account decline card ✓ ✓ 51 insufficient funds decline 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 decline funds advise the cardholder to contact their issuer ✓ ✓ 53 no savings account decline funds ✓ ✓ 54 expired card decline 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 decline security 1 try again with a valid value (re enter pin) 2 retry failed transactions as non pin, if possible (pos) ✓ ✓ ✓ 56 no card record decline card ✓ 57 transaction not permitted for cardholder decline card 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 decline transaction contact p2p support\@crossriver com mailto\ p2p support\@crossriver com ✓ ✓ ✓ 59 suspected fraud decline security advise the cardholder to contact their issuer try again with the same pan or token after the cardholder confirms ✓ ✓ 61 activity amount limit exceeded decline funds 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 decline card 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 decline security ✓ ✓ ✓ 64 transaction does not fulfill aml requirement decline security ✓ ✓ 65 activity count limit exceeded decline funds 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 system ✓ 70 pin data required decline security ✓ ✓ ✓ 71 pin not changed decline security ✓ ✓ 74 different value than that used for pin encryption errors decline security ✓ ✓ 75 allowable number of pin entry tries exceeded decline security 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) system ✓ ✓ ✓ 77 previous message located for a repeat or reversal, but data is inconsistent with original message system ✓ ✓ 78 "blocked, first used" (transaction is from a new card and the card wasn't properly unblocked) decline card if the cardholder confirms that the card has been activated or reactivated, the merchant can try the transaction again ✓ ✓ ✓ 79 already reversed (by switch) system ✓ ✓ ✓ 80 visa transactions credit issuer unavailable private label and check acceptance invalid date system ✓ ✓ ✓ 81 pin cryptographic error found (error found by vic security module during pin decryption) decline security ✓ ✓ ✓ 82 negative cam, dcvv, icvv, or cvv results decline security track attempts for potential fraud and check verification values focus on cvv ✓ ✓ ✓ 83 unable to verify pin decline security ✓ ✓ 84 invalid authorization life cycle decline transaction ✓ ✓ 85 no reason to decline a request for account number verification, address verification, cvv2 verification or a credit voucher or merchandise return approval ✓ ✓ ✓ 86 cannot verify pin decline security ✓ ✓ ✓ 87 purchase amount only, no cash back allowed decline transaction ✓ ✓ 88 cryptographic failure decline security ✓ ✓ 89 ineligible to receive financial position information system ✓ ✓ ✓ 90 cutoff is in progress system ✓ ✓ 91 issuer unavailable or switch inoperative (stip not applicable or available for this transaction) system 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 system 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 decline transaction ✓ ✓ 94 duplicate transmission system ✓ ✓ ✓ 95 reconcile error system ✓ 96 system malfunction, or certain field error conditions system contact p2p support\@crossriver com mailto\ p2p support\@crossriver com ✓ ✓ ✓ 1a additional customer authentication required decline security ✓ 1z authorization system or issuer system inoperative system ✓ 5c transaction not supported/blocked by issuer decline transaction ✓ 6p verification data failed decline security ✓ 9g blocked by cardholder/contact cardholder decline card ✓ b1 surcharge amount not permitted on visa cards (us acquirers only) payment control ✓ b2 surcharge amount not supported by debit network issuer payment control ✓ n0 force stip system ✓ n2 transaction does not qualify for visa pin decline transaction ✓ n3 cash service not available system ✓ n4 cashback request exceeds issuer limit decline funds ✓ n5 ineligible for resubmission system ✓ n7 decline for cvv2 failure decline security ✓ n8 transaction amount exceeds preauthorized approval amount decline transaction ✓ p2 invalid biller information decline transaction p5 pin change/unblock request declined decline security ✓ p6 unsafe pin decline security ✓ q1 card authentication failed decline security ✓ r0 stop payment order payment control ✓ r1 revocation of authorization order payment control ✓ r3 revocation of all authorization orders payment control ✓ xa forward to issuer referral xd forward to issuer referral z3 unable to go online system ✓ avsresponsecode and description type string description the avsresponsecode and description fields indicate the result of the address verification system (avs) check, showing whether the street address and/or postal code provided in the request matched the cardholder's billing address on file with the card issuer code description y street address and postal code match x street address and 9 digit zip match d street address and postal code match (international) f street address and postal code match (uk) m street address and postal code match (international) a street address matches, postal code does not z postal code matches, street address does not w postal code matches, street address does not p postal code matches, street address not verified (international) b street address matches, postal code not verified (international) n neither street address nor postal code match u address info unavailable (issuer doesn't participate in avs) s avs not supported for this card r system unavailable or timed out g non us issuer, address not verified i address not verified (international) c street address and postal code not verified (international) cvv2resultcode type string description the type of match performed against the cvv, if any code meaning m cvv match n cvv no match p not processed s should be on card but couldn't verify u issuer does not participate iscvvmatched type boolean description the overall result on whether or not the cvv provided in the request matched the cvv on file with the card issuer last/first/middle nameverificationstatus type string description indicates whether the cardholder's last/first/middle name provided in the request matched the last name on file with the card issuer code meaning 01 match 50 partial match 99 no match nameverificationprocessingresult type string description indicates whether visa account name inquiry or mastercard name verification service were performed or not, or not supported code meaning 00 name match performed 01 name match not performed 02 name match not supported