Full bank response codes specification including decline codes
FULL BANK RESPONSE CODES SPECIFICATION INCLUDING DECLINE CODES
Decreases are made by bank of issue of the card, not your program provision. In case your customer does not consider, actually that their card was obliged to be lowered, as a rule the dealer recommends to them to call 1-800 cards for receiving additional information on the back.
Joint types of answers from banks include:
Confirmed conspiracy: conspiracy of your buyer it was processed safely.
Insufficient funds: bank of the buyer that, actually that there were few means cheap on the card.
The card expired: the used card proceeds. The card was replaced?
Address releasing: It has an opportunity to mean a large number of various things, eventually you will be obliged to say to your buyer to be linked with their bank of issue cards. They have other card which they have every chance to use?
Please, see below more absolute list of Codes of the Answer which you will be able to receive from own trade bank plus the description on that, actually that those answers mean.
01 Refer to card issuer. (It is necessary to ring out in bank for the termination of a transaction)
02 Refer to card issuer. (It is necessary to ring out in bank for the termination of a transaction)
03 Invalid merchant. (Incorrect ID merchant)
04 Pick-up card. (The card of the look bank in connection with fraud)
05 Do not Hon-our. (Transaction was rejected by bank without the explanatory reasons)
06 Error. (An unknown oversight on the party of bank)
07 Pick-up card, special condition. (The card of the look bank in connection with fraud)
12 Invalid transaction card/issuer/acquire (The merchant does not perceive the card of this bank)
13 Invalid amount (The sum exceeded a limit of bank on transaction)
14 Invalid card number (The incorrect card number or the card it is blocked by the holder, bank)
19 System Error (A system oversight on the party of a march, the transaction should repeat)
21 No Action Taken (It is forbidden by bank without what or explanations)
34 Suspected Fraud (Suspicion of fraud)
39 No Credit Account (There is no credit account of the card)
41 Lost Card, Pickup (The card is lost)
42 Special Pickup (The card is stolen) 43 Hot Card, Pickup (The card is stolen)
51 Not sufficient funds (There are not enough means on the card)
54 Expired card (The term of the card expired)
55 Incorrect PIN; (Incorrect pin)
57 Transaction not permitted on card (The merchant does not perceive the card of this bank)
58 Txn Not Permitted On Term (The merchant does not perceive given an operation picture)
59 Suspected Fraud (Suspicion of fraud)
61 Exceeds amount limit (The sum is higher the resolved day maximum)
62 Restricted card (by Account t it is frozen)
63 Security violation (by Account it is frozen)
75 Exceeds PIN Retry (Ping is entered the greatest the number of times)
78 Function Not Available (The card number is not valid or does not exist)
82 CVV Validation Error (Incorrect CVV the code) 91 Issuers not available (Communication with bank is absent)
93 Transaction violates law (Transaction is illegal)
94 Duplicate Transaction (Double transaction)
96 System Error (A system oversight on the party of a Merch)