Issuer Response Codes

Overview

If chosen, we can return an additional parameter within each transaction response message - bank_response_code, which is the actual transaction result code communicated directly from your customer's issuing bank.

If you want to add this feature to your account, please contact our Support Team and they can help you out.

The table below details the full list of possible issuer response codes you may encounter when processing.

Code Message Description
00 Approved
01 Refer to card issuer
02 Refer to card issuer’s special conditions
03 Invalid merchant
04 Capture
05 Don’t honour
06 Unable to process transaction
07 Pick up card special condition
09 Duplicate transaction
11 Approved VIP
12 Invalid transaction
13 Invalid amount/ bad message edit
14 Invalid card number/no such number
15 No such issuer
17 Customer cancellation
18 Customer dispute
19 Re-enter transaction
20 Invalid response
21 No action taken
22 Suspected malfunction
23 Unacceptable transaction fee
26 Revocation of Auth Order
27 Revocation of All Auth Order
30 Format error
31 Bank not supported by switch
33 Expired card
34 Suspected fraud
35 Card Acceptor call acquirer security
36 Restricted card pick up
37 Capture
38 Pin tries exceeded
39 No credit account
40 Requested function not supported
41 Lost card
42 No universal account
43 Stolen card
44 No investment account
45 to 50 Error
51 Not sufficient funds
52 No cheque account
53 No savings account
54 Expired card
55 Incorrect PIN
56 No card record
57 Transaction not permitted by cardholder
58 Transaction not permitted by terminal
59 Suspected fraud
60 Card acceptor contact acquirer
61 Exceeds withdrawal amount limit
62 Restricted card
63 Security violation
64 Original amount incorrect
65 Exceeds withdrawal frequency limit
66 Card acceptor call acquirer’s security department
67 Hard capture
69 to 74 Error
85 Not declined. Valid for all 0 amount transactions
90 Unable to authorise
91 Issuer or switch is inoperative
92 Network problem
93 Transaction cannot be completed
94 Duplicate transmission
95 Reconcile error
96 System malfunction
97 to 99 Error