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Documentation

Card Network Errors

Error messages for failures in processing cards.

For card transactions, Rapyd completes and closes the transaction immediately and sends you an error code and message in the REST response. The message is a concatenation of the short message (in square brackets) and the long message. The long message explains the cause of the error and the steps to correct it.

If the card network rejects the transaction afterwards, Rapyd sends you a webhook. In the webhook, the value of error_code is ERROR_PROCESSING_CARD and the error code received from the card network. For example, "error_code": "ERROR_PROCESSING_CARD - [51]". The webhook also contains the short message in the failure_message field.

Common Errors

Error Code

Short Message

Long Message

01

Refer to card issuer

The request attempted a card operation, but the card issuer refused the transaction. The request was rejected. Corrective action: Advise the customer to use a different payment method and contact the card issuer.

02

Refer to card issuer, special condition

The request attempted a card operation, but the card issuer refused the transaction. The request was rejected. Corrective action: Advise the customer to use a different payment method and contact the card issuer.

03

Invalid Merchant

The request attempted a card operation, but there was a problem with the merchant’s status. The request was rejected. Corrective action: Contact the card issuer. Advise the customer to use a different payment method.

04

Pick Up Card, no fraud

The request attempted a card operation, but the card issuer wants the card returned. The request was rejected. Corrective action: Advise the cardholder to contact the card issuer to resolve the problem. In addition, if you have the physical card, confiscate it and return it to the issuer.

05

Do Not Honor

The request attempted a card operation, but the card issuer refused the transaction. The request was rejected. Corrective action: Advise the customer to use a different payment method.

06

Error

The request attempted a card operation, but the payment failed for an unknown reason. The request was rejected. Corrective action: Try again. If the error persists, advise the customer to use a different payment method.

07

Pick Up Card, fraud suspected

The request attempted a card operation, but the card issuer wants the card returned because of suspected fraud. The request was rejected. Corrective action: Advise the cardholder to contact the card issuer to resolve the problem. In addition, if you have the physical card, confiscate it and return it to the issuer.

12

Invalid Transaction

The request attempted a card operation, but the card is not authorized for this type of transaction. The request was rejected. Corrective action: Advise the customer to use a different payment method.

13

Invalid Amount

The request attempted a card operation, but the card is not authorized for online purchases or the amount contains a non-numeric symbol. The request was rejected. Corrective action: Correct the amount or advise the customer to use a different payment method.

14

Invalid Card Number

The request attempted a card operation, but the card issuer did not recognize the card number. The request was rejected. Corrective action: Correct the card number or advise the customer to use a different payment method.

15

Invalid Issuer

The request attempted a card operation, but the card number was not valid. The request was rejected. Corrective action: Correct the card number.

17

Customer Cancellation

The customer canceled the transaction. Corrective action: Create a new payment.

19

Re-enter

The request attempted a card operation, but the payment failed for an unknown reason. The request was rejected. Corrective action: Try again. If the error persists, advise the customer to use a different payment method.

41

Lost Card, pick up

The request attempted a card operation, but the card issuer wants the card returned because the cardholder reported it lost. The request was rejected. Corrective action: Advise the cardholder to contact the card issuer to resolve the problem. In addition, if you have the physical card, confiscate it and return it to the issuer.

42

Stolen Card, pick up

The request attempted a card operation, but the card issuer wants the card returned because the cardholder reported it stolen. The request was rejected. Corrective action: Consider not doing business with this customer. In addition, if you have the physical card, confiscate it and return it to the issuer.

43

Stolen Card, pick up

The request attempted a card operation, but the card issuer wants the card returned because the cardholder reported it stolen. The request was rejected. Corrective action: Consider not doing business with this customer. In addition, if you have the physical card, confiscate it and return it to the issuer.

46

Closed Account

The request attempted a card operation, but the account is closed. The request was rejected. Corrective action: Advise the cardholder to use a different payment method.

50

Invalid Payment Condition

Timeout or invalid password. Corrective action: Create a new payment.

51

Insufficient Funds

The request attempted a card operation, but the transaction would exceed the card limit. The request was rejected. Corrective action: Advise the cardholder to add funds to the account or use a different payment method.

54

Expired Card

The request attempted a card operation, but the card has expired. The request was rejected. Corrective action: Advise the cardholder to use a different payment method, or contact the card issuer to issue a new card.

56

No Card Record

The request tried to create a card payment, but there was no record of the card number. The request was rejected. Corrective action: Correct the card number or advise the customer to use a different payment method.

57

Transaction not Permitted to Cardholder

The request attempted a card operation, but the card is not authorized for this type of transaction. The request was rejected. Corrective action: Advise the customer to contact the card issuer for authorization for the transaction, or use a different payment method.

58

Transaction not Permitted to Acquirer or Terminal

The request attempted a card operation, but the acquirer or terminal is not authorized for this type of transaction. The request was rejected. Corrective action: Contact Client Support.

59

Suspected Fraud

The request attempted a card operation, but the card issuer suspects fraud in this transaction. The request was rejected. Corrective action: Consider not doing business with this customer.

61

Withdrawal Amount Limit Exceeded

The request attempted a card operation, but the transaction would exceed the card limit. The request was rejected. Corrective action: Advise the cardholder to add funds to the account or use a different payment method.

62

Restricted Card

The request attempted a card operation, but the card is not authorized for use in the country of the merchant. The request was rejected. Corrective action: Advise the cardholder to use a different payment method.

63

Security Violation

The request attempted a card operation, but there was a problem with the card’s security features. The request was rejected. Corrective action: Verify the CVV, or advise the cardholder to use a different payment method.

65

Authentication Required or Activity Limit Exceeded

The request attempted a card operation, but 3DS was not completed or the transaction would exceed the card’s activity limit. The request was rejected. Corrective action: Resubmit with 3DS required or use another payment method.

68

Response Received Too Late

Late Response. Corrective action: Create a new payment.

70

PIN Required or Contact Issuer

The request attempted a card operation, but the PIN was not provided or the card issuer requests contact from the cardholder. The request was rejected. Corrective action: Ask the cardholder to enter the PIN or use another payment method.

75

Allowable Number of PIN Tries Exceeded

The request attempted a card operation, but the customer has entered the PIN code incorrectly too many times. The request was rejected. Corrective action: Advise the cardholder to use a different payment method.

78

Blocked, first used

The request attempted a card operation, but the card is new and has not yet been unblocked. The request was rejected. Corrective action: Advise the cardholder to complete the process for unblocking the card.

83

Security Issue or Suspected Fraud

The request attempted a card operation, but there was a security issue or the card issuer suspects fraud. The request was rejected. Corrective action: None. Advise the cardholder to contact the card issuer.

Fraud or security concerns. Corrective action: Advise the customer to contact the issuing bank.

91

Authorization Platform or Issuer System Inoperative

The request attempted a card operation, but the issuing bank was not available. The request was rejected. Corrective action: Try again. If the error persists, advise the customer to use a different payment method.

93

Violation, cannot complete

The request attempted a card operation, but there was an issue with the customer’s account. The request was rejected. Corrective action: Try again. Advise the customer to contact the card issuer, or use a different payment method.

94

Duplicate transmission detected

The request attempted a card operation, but there was a duplicate transmission. The request was rejected. Corrective action: Retry.

96

System Malfunction

The request attempted a card operation, but the issuing bank was temporarily unavailable. The request was rejected. Corrective action: Try again. If the error persists, advise the customer to use a different payment method.

Other Errors

The message for the following errors is: The request attempted a card operation, but there was a problem with the transaction. The request was rejected. Corrective action: Contact the issuing bank with the two-digit error that appears at the end of the error code.

Error Code

Description

CV

Card Verification Error

00

Success

10

Partial approval

1A

Additional Authentication Required

21

No Action Taken

25

Record Not Found in File

28

File Temporarily Unavailable

30

Format Error

39

No credit account

3X

Additional Authentication Required

52

Checking Account Not Found

53

Savings Account Not Found

55

PIN Not Valid

64

AML Requirements Not Met

6P

Customer ID Verification Failed

74

Encryption Error

76

Unsolicited Reversal

77

MC - Invalid/nonexistent 'From Account' specified. Visa - Previous message located, but the reversal data are inconsistent with original message

79

Already Reversed by Switch

80

Credit Issuer Unavailable

81

Cryptographic Error in PIN

82

Negative CAM, dCVV, iCVV, or CVV results84

84

Invalid authorization life cycle.

86

Pin Not Validated

87

Purchase amount only, no cash back allowed.

88

Cryptographic failure.

89

Not Eligible to Receive Financial Position Information

92

Unable to Route Transaction

B1

Surcharge Amount Not Permitted

B2

Surcharge Amount Not Supported

N0

Force STIP

N3

Cash Service Not Available

N4

Cash Request Exceeds Limit

N5

Ineligible for Resubmission

N7

CVV2 Failure

N8

Transaction Exceeds Authorized Amount

P5

PIN Change Declined

P6

Requested PIN Not Safe

Q1

Card Authentication Failed

R0

Customer Requested Stop Payment

R1

Customer Revoked Authorization

R2

Transaction Does Not Qualify for Visa PIN

R3

All Authorizations Revoked

W1, W2, W9

Error Connecting to Bank

Z1

Offline - Declined

Z3

Unable to go online