Thredd Card Status and Response Codes
Visa and Mastercard implemented new rules in October and November 2021 which require issuers and acquirers to properly use and manage declined transaction response codes, eliminate excessive reattempts and ensure data consistency in authorisation transactions. The schemes apply penalty fees to encourage compliance with these rules. These rules apply to issuers in Europe, AP, Canada and CEMEA.
To support the scheme rules, Thredd is changing the way in which we handle declined responses; we are providing new card status codes and new response fields to use in EHI messages.
To find out more about the mapping rules between Thredd fields and Visa/Mastercard fields used for authorisation declines, please see Decline Code Mapping Rules.
Current Version
The current version is available in HTML and PDF format.
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Online (HTML) |
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Description |
Version |
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Added clarification on rules for response codes 04, 07, 14, 41, 43, and 46, which should only be used for listing permanently closed or invalid accounts. See Decline Code Rules. The response code 41 (Lost) has been changed to irreversible and results in a permanent block on the card. See Card Status Codes. Updated the card status codes page to indicate that Card Status Codes G5 and G6 (temporary blocks) can also be set by Fraud Transaction Monitoring (FTM) service. See Card Status Codes. Added EHI response codes 12 and 15 to the EHI Response Codes page. Revised the description of response code 57. Removed card status code 57 from the Card Status Codes page. Added Response Code 72 and 46 and the Card Status Codes and the EHI Response Codes page. See Full List of Thredd Card Status Codes and EHI Response Codes Values Added two new Visa response codes: 5C - Transaction not supported or blocked by issuer and 9G - Blocked by cardholder, contact cardholder. See EHI Response Codes Values. For the Thredd Status Code of Closed Account (46), updated Mastercard response code from 78 to 14. See Full List of Thredd Card Status Codes. See PRN-204. Updated the company address. |
1.7 |
Older Versions
Older versions are available in PDF format only.
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File Name |
What's Changed? |
Version |
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Updated the card status and response code mappings. See Full List of Thredd Card Status Codes. Updates to content to align with taxonomy updates on our Documentation Portal, and other content updates. Guide rebrand to new company name and brand identity. |
1.6 |
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Updated the Copyright Statement. |
1.5 |
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Updated description of status code 62, which now maps to Try Again 02. New guide layout and HTML version now available. |
1.4 |
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Changes to Thredd Card Status and Response Codes 1.3
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Corrections:
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1.3
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Changes to Thredd Card Status and Response Codes 1.2 |
Updated description of response code 78 to Card is not active (including created but not yet activated). |
1.2 |
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Changes to Thredd Card Status and Response Codes 1.1 |
Updates to descriptions for status code G1-G6. |
1.1 |
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Changes to Thredd Card Status and Response Codes 1.0 |
First Version. |
1.0 |
Decline Code Mapping Rules
The mapping rules between Thredd fields and Visa/Mastercard fields used for authorisation declines are described in the following documents.
Please contact Thredd Operations to request the password to access these documents.