Appendix 3: Response Decline Codes

Refer to the table below for a list of response codes returned for a declined transaction. You can use these codes to define the fees you want to apply to specific authorisation declines. See Authorisation Fees.

Code	Description
01	Refer to card issuer
03	Invalid merchant
05	Do not honour
12	Invalid transaction
13	Invalid amount
14	Invalid card number (no such number)
15	No such Issuer
17	Customer cancellation
30	Format error
46	Closed account
51	Insufficient funds
54	Expired card
55	Invalid PIN
57	Transaction not permitted to cardholder
58	Transaction not permitted to terminal
61	Exceeds withdrawal amount limit
62	Restricted card (Card is not active)
63	Security violation
64	Original amount incorrect
65	Exceeds withdrawal frequency limit
66	Card acceptor call acquirer’s security
68	Response received too late
69	Verification data failed (Invalid or missing data to verify card, cardholder or other)
70	Cardholder to contact issuer
71	PIN not changed
75	Allowable number of PIN tries exceeded
76	Wrong PIN, allowable number of PIN
77	Issuer does not participate in the service
78	Account balance unavailable
79	Unacceptable PIN
80	Network error
81	Foreign network failure
82	Timeout at IEM
83	Card destroyed
86	PIN validation not possible
87	Purchase amount only, no cash back
88	Cryptographic failure
89	Unacceptable PIN
91	Issuer or switch is inoperative
92	Unable to route to Issuer
93	Violation of law
94	Duplicate transaction
95	Reconcile error
96	System malfunction
98	Refund given to customer
99	Card voided
C0	Requires Strong Customer Authentication (SCA), Card
C1	Requires Strong Customer Authentication (SCA), non-card
N0	Force STIP
N7	Decline for CVV2 failure
P5	PIN change/Unblock request declined
P6	Unsafe PIN