Terminal Response Codes
Terminal functions and error codes for payment terminals.
Acquirer Reject and Error Codes
Code | Reason |
|---|---|
A0 | User cannot be authenticated or action was not authorized |
A1 | Invalid Card acceptor identification code (MerchantXID) |
A2 | Invalid Category code |
A3 | Invalid Terminal Id or Device Id |
A4 | Invalid Message Id |
A5 | Invalid Card number |
A6 | Invalid Card expiration date |
A7 | Invalid Message UTC |
A8 | Invalid Currency (TransCurrency or OriginalTransCurrency value is invalid or field is not allowed for TransType) |
A9 | Invalid Amount (TransAmount or OriginalTransAmount value is invalid or field is not allowed for TransType. TransFee invalid or not allowed for CategoryCode) |
AA | Invalid Message type |
AB | Invalid Transaction type |
AC | Invalid Card type |
AD | Invalid 3D-Secure data (e.g. CAVD missing or wrong length) |
AE | Transaction rejected - wrong CardVD value (CVC2/CVV2) |
AF | Invalid Card verification data |
AG | Invalid address verification data (AVSPostalCode or AVSStreetAddress) |
AH | Invalid Cashback amount |
AI | Invalid Additional Data |
AJ | Invalid Card (wrong issuer BIN or inactive BIN range) |
AK | Invalid Transaction date |
AL | Invalid Card sequence number |
AM | Invalid Terminal capability/type |
AN | Invalid Transaction time |
AO | Invalid Transaction xid |
AP | Invalid Authorization code |
AQ | Invalid Track 2 |
AR | Invalid 3DSecure electronic commerce fields |
AS | Invalid Icc data |
AT | Invalid token data |
AV | Connection to Visa EU/Mastercard is temporarily unavailable |
AW | Time-out (authorization host received no response from Visa/Mastercard) |
AX | Invalid Parameter |
AY | Unexpected error |
AZ | Invalid Character(s) in Input Data (not covered by any of the codes above). Can apply to MessageCode, TransactionId, LifeCycleId, TransitIndicator, MerchantVerificationValue or Mastercard Wallet Identifier. |
Transaction-Related Reject Codes
Code | Reason |
|---|---|
T0 | Unable to locate previous message |
T1 | Previous message located, but the reversal data are inconsistent with original message |
T2 | No action taken (authorization already finalized) |
T3 | Duplicate transaction |
T4 | Unable to confirm online pin |
T5 | Initiation reason missing or invalid |
T6 | Initiator missing or invalid |
T7 | Dynamic Currency Conversion (DCC) not allowed on card |
T8 | SCA exemption failed validation or exemption not allowed on transtype |
T9 | TransStatus not allowed for transaction |
TA | Unsupported BIN |
TB | Acquirer declined SCA exemption |
TC | Transaction being reversed was declined by the acquirer. No need to reverse. |
TD | Balance inquiry request must contain a zero amount. |
TE | Invalid CardScheme for OCT. |
TF | Invalid MCC for AFT. |
TG | Missing mandatory values for MoneyTransfer. |
Merchant-Related Reject Codes
Code | Reason |
|---|---|
M0 | Merchant id not found |
M1 | Merchant account closed |
M2 | Terminal id not found |
M3 | Terminal closed |
M4 | Invalid category code |
M5 | Invalid currency |
M6 | Missing CVV2 / CVC2 |
M8 | Merchant not registered for Verified by Visa / Secure Code |
M9 | Merchant not registered for Amex |
MA | Transaction not permitted at terminal |
MB | Agreement and terminal are not related |
MC | Invalid processor id |
MD | Invalid merchant data (Name, Street, City, Postal Code or State/Province) |
ME | Sub-Merchant account closed |
MF | No ICA found |
Response Codes for Visa, Mastercard and Amex
Code | Reason |
|---|---|
00 | Approval |
01 | Refer to card issuer |
02 | Refer to card issuer, special condition |
03 | Invalid merchant or service provider |
04 | Pickup card |
05 | Do not honor |
06 | Error |
07 | Pick up card, special condition (other than lost/stolen card) |
08 | Honor with ID |
10 | Partial Approval |
11 | V.I.P. approval |
12 | Invalid transaction |
13 | Invalid amount (currency conversion field overflow) or amount exceeds maximum for card program |
14 | Invalid account number (no such number) |
15 | No such issuer |
19 | Re-enter transaction |
21 | No action taken (unable to back out prior transaction) |
25 | Unable to locate record in file, or account number is missing from the inquiry |
28 | File is temporarily unavailable |
30 | Format error |
39 | No credit account |
41 | Pickup card (lost card) |
43 | Pickup card (stolen card) |
46 | Closed account |
51 | Insufficient funds |
52 | No checking account |
53 | No savings account |
54 | Expired card |
55 | Incorrect PIN |
57 | Transaction not permitted to cardholder |
58 | Transaction not allowed at terminal |
59 | Suspected fraud |
61 | Activity amount limit exceeded |
62 | Restricted card (e.g. in Country Exclusion table) |
63 | Security violation |
64 | Transaction does not fulfill AML requirement |
65 | Activity count limit exceeded |
70 | PIN Data Required |
71 | PIN not changed |
75 | Allowable number of PIN-entry tries exceeded |
76 | Unable to locate previous message (no match on transaction id) |
77 | Previous message located, but the reversal data are inconsistent with original message |
78 | "Blocked, first used" - Transaction from new cardholder, and card not properly unblocked |
79 | Transaction reversed |
80 | Visa transactions: credit issuer unavailable. Private label: invalid date |
81 | PIN cryptographic error found (error found by VIC security module during PIN decryption) |
82 | Negative Online CAM, dCVV, iCVV, or CVV results or offline PIN authentication interrupted. |
83 | Fraud/Security related |
84 | Invalid authorization life cycle |
85 | No reason to decline a request for Account Number verification, address verification or CVV2 verification |
86 | Cannot Verify PIN |
87 | Purchase amount only, no cash back allowed |
88 | Cryptographic failure |
89 | Unacceptable PIN |
91 | Issuer unavailable or switch inoperative (STIP not applicable or available for this transaction) |
92 | Financial institution or intermediate network facility cannot be found for routing |
93 | Transaction cannot be completed; violation of law |
94 | Duplicate transaction |
96 | System malfunction |
97 | Invalid MAC |
N0 | Force STIP |
N3 | Cash service not available |
N4 | Cashback request exceeds Issuer limit |
N7 | Decline for CVV2 failure |
N8 | Transaction amount exceeds pre-authorized approval amount |
P2 | Invalid biller information |
P5 | PIN change/unblock request declined |
P6 | Unsafe PIN |
R0 | Stop Payment Order |
R1 | Revocation of Authorization |
R3 | Revocation of All Authorizations |
Z3 | Unable to go online |
XA | Forward to issuer |
XD | Forward to issuer |
Q1 | Card authentication failed. Or offline PIN authentication interrupted |
1A | Additional customer authentication required |