ISO code

Reason

01

Refer to card issuer

02

Refer to card issuer, special condition

03

Invalid merchant

04

Pick up card (no fraud)

05

Do not honor

06

Error

07

Pick up card, special condition (fraud account)

10

Partial approval

11

Approved (V.I.P)

12

Invalid transaction

13

Invalid amount or currency conversion field overflow

14

Invalid account number (no such number)

15

No such issuer

19

Re-enter transaction

21

No action taken

25

Unable to locate record in file

28

File temporarily not available for update or inquiry

39

No credit account

41

Lost card, pick up (fraud account)

43

Stolen card, pick up (fraud account)

46

Closed account

51

Not sufficient funds

52

No checking account

53

No savings account

54

Expired card or expiration date is missing

55

Incorrect PIN or PIN missing

57

Transaction not permitted to cardholder

58

Transaction not allowed at terminal

59

Suspected fraud

61

Exceeds approval amount limit

62

Restricted card (card invalid in this region or country)

63

Security violation (source is not correct issuer)

64

Transaction does not fulfill AML requirement

65

Exceeds withdrawal frequency limit

70

PIN data required

74

Different value than that used for PIN encryption errors

75

Allowable number of PIN entry tries exceeded

76

Unsolicited reversal

78

“Blocked, first used”—Transaction from new cardholder, and card not properly unblocked

79

Already reversed (by Switch)

80

No financial impact

81

Cryptographic error found in PIN

82

Negative CAM, dCVV, iCVV, or CVV results

85

No reason to decline a request for address verification, CVV2 verification, or a credit voucher or merchandise return

86

Cannot verify PIN; for example, no PVV

89

Ineligible to receive financial position information (GIV)

91

Issuer or switch inoperative and STIP not applicable or not available for this transaction; Time-out when no stand-in; POS Check Service: Destination unavailable; Credit Voucher and Merchandise Return Authorizations: V.I.P. sent the transaction to the issuer, but the issuer was unavailable.

92

Financial institution or intermediate network facility cannot be found for routing (receiving institution ID is invalid)

93

Transaction cannot be completed - violation of law

94

Duplicate transmission.Transaction submitted containing values in tracing data fields that duplicate values in a previously submitted transaction.

96

System malfunction

1A

Additional customer authentication required

5C

Transaction not supported / blocked by issuer

6P

Verification data failed

9G

Blocked by cardholder / contact cardholder

B1

Surcharge amount not permitted on Visa cards or EBT food stamps (U.S. acquirers only)

B2

Surcharge amount not supported by debit network issuer.

N0

Force STIP

N3

Cash service not available

N4

Cash request exceeds issuer or approved limit

N5

Ineligible for resubmission

N7

Decline for CVV2 failure

N8

Transaction amount exceeds preauthorized approval amount

P5

Denied PIN unblock—PIN change or unblock request declined by issuer

P6

Denied PIN change—requested PIN unsafe

Q1

Card Authentication failed

R0

Stop Payment Order

R1

Revocation of authorization order

R2

Transaction does not qualify for Visa PIN

R3

Revocation of all authorizations order

Z3

Unable to go online; offline-declined

Z5

Valid account but amount notsupported

Z6

Invalid use of MCC - correct andreattempt

ISO code

Reason

01

Refer to card issuer

03

Invalid merchant

04

Capture card

05

Do not honor

08

Honor with ID

10

Partial Approval

12

Invalid transaction

13

Invalid amount

14

Invalid card number

15

Invalid issuer

30

Format error

41

Lost card

43

Stolen card

51

Insufficient funds/over credit limit

54

Expired card

55

Invalid PIN

57

Transaction not permitted to issuer/cardholder

58

Transaction not permitted to acquirer/terminal

61

Exceeds withdrawal amount limit

62

Restricted card

63

Security violation

65

Exceeds withdrawal count limit

70

Contact Card Issuer

71

PIN Not Changed

75

Allowable number of PIN tries exceeded

76

Invalid/nonexistent “To Account” specified

77

Invalid/nonexistent “From Account” specified

78

Invalid/nonexistent account specified (general)

79

Life cycle (Mastercard use only)

80

System not available

81

Domestic Debit Transaction Not Allowed (Regional use only)

82

Policy (Mastercard use only)

83

Fraud/Security (Mastercard use only)

84

Invalid Authorization Life Cycle

85

Not declined

86

PIN Validation not possible

87

Purchase Amount Only, No Cash Back Allowed

88

Cryptographic failure

89

Unacceptable PIN—Transaction Declined—Retry

90

Cutoff is in progress

91

Authorization System or issuer system inoperative

92

Unable to route transaction

94

Duplication transaction detected

96

System error

1Z

Authorization System or issuer system inoperative

ISO code

Reason

001

Approved with ID

002

Partial Approval (Prepaid cards only)

100

Deny

101

Expired card/Invalid Expiration date

106

Exceeded PIN attempts

107

Please Call

109

Invalid Merchant

110

Invalid Amount

111

Invalid Account; Primary Account Number Invalid

115

Requested Function not Supported

116

Not Sufficient Funds

117

Invalid PIN

119

Cardmember not enrolled/not permitted

121

Limit Exceeded

122

Invalid Card Security Code

125

Invalid effective date

130

Additional customer identification required

181

Format Error

183

Invalid Currency Code

187

Deny - New card issued

189

Deny - Canceled or Closed Merchant/SE

193

Invalid Country Code

194

Invalid Region Code

200

Deny - Pickup Card

400

Reversal Accepted

900

Advice Accepted

909

System Malfunction (Cryptographic Error)

912

Issuer not available