This page translates common payment error codes into easy-to-understand explanations and solutions. Instead of leaving users confused about transaction failures, it helps merchants and customers quickly identify the problem and its solution.
Issuer Error Codes with Action Guidance.
Code | Response Text | Status | Error Description | So What |
---|---|---|---|---|
00 | Transaction Approved | Successful | The transaction was successful. | No action needed. |
01 | Refer to Issuer | Fail | Problem with the credit card number. | Customer should contact their bank or use an alternate credit card. |
02 | Refer to Issuer, special | Fail | Problem with the credit card number. | Customer should contact their bank or use an alternate credit card. |
03 | No Merchant | Fail | Invalid Merchant ID. | Merchant must verify their Merchant Account Number with their bank. |
04 | Pick Up Card | Fail | Card reported lost or stolen. | Customer should use a different card and contact their bank. |
05 | Do Not Honor | Fail | Security check failure, funds frozen or depleted. | Customer should contact their bank or use another card. |
06 | Error | Fail | General issue with card number. | Customer should contact their bank or try an alternate card. |
07 | Pick Up Card, Special | Fail | Card reported lost or stolen. | Customer should contact bank and use a different card. |
08 | Honor With Identification | Successful | Used instead of '00' by some banks. | No action needed. |
09 | Request In Progress | Fail | Problem with the card number. | Customer should retry later or contact their bank. |
10 | Approved For Partial Amount | Successful | Transaction partially approved. | Merchant may need to prompt for the remaining balance. |
11 | Approved, VIP | Successful | Not used in Australia. | No action needed. |
12 | Invalid Transaction | Fail | Invalid format or field. | Merchant should verify transaction details and retry. |
13 | Invalid Amount | Fail | Invalid characters in the amount field. | Merchant should review integration/code and remove special characters. |
14 | Invalid Card Number | Fail | Card number does not exist. | Customer should check and re-enter card details or use another card. |
15 | No Issuer | Fail | Card issuer does not exist. | Customer should use another credit card. |
16 | Approved, Update Track 3 | Successful | Transaction was successful. | No action needed. |
19 | Re-enter Last Transaction | Fail | Transaction not processed. | Customer should try the transaction again. |
21 | No Action Taken | Fail | Card issue. | Customer should contact their bank or use a different card. |
22 | Suspected Malfunction | Fail | Issuer could not be contacted. | Retry the transaction. If it fails again, use a different card. |
23 | Unacceptable Transaction Fee | Fail | Unspecified error. | Customer should retry or use a different card. |
25 | Unable to Locate Record On File | Fail | Bank doesn’t recognise card details. | Customer should check and re-enter card details or try a different card. |
30 | Format Error | Fail | Invalid transaction format. | Merchant should verify format, TID, and retry. |
31 | Bank Not Supported By Switch | Fail | Issuer doesn't allow online transactions. | Customer should use a different card. |
33 | Expired Card, Capture | Fail | Card expired or date incorrect. | Customer should verify expiry date or use another card. |
34 | Suspected Fraud, Retain Card | Fail | Suspected fraud. | Customer should contact their bank immediately. |
35 | Card Acceptor, Contact Acquirer | Fail | Lost or stolen card. | Customer should use a different card. Bank may need to be contacted. |
36 | Restricted Card | Fail | Lost or stolen card. | Customer should contact their bank and use a different card. |
37 | Contact Acquirer Security | Fail | Lost or stolen card. | Customer should contact their bank and use another card. |
38 | PIN Tries Exceeded, Capture | Fail | Incorrect PIN entered three times. | Customer should contact their bank and use another card. |
39 | No Credit Account | Fail | Card number not a credit account. | Customer should use a credit card. |
40 | Function Not Supported | Fail | Transaction type not supported. | Customer should try a different transaction or card. |
41 | Lost Card | Fail | Card reported lost. | Customer should use a different card and contact bank. |
42 | No Universal Account | Fail | Account type mismatch. | Customer should check account type or use a different card. |
43 | Stolen Card | Fail | Card reported stolen. | Customer should use a different card and contact bank. |
44 | No Investment Account | Fail | Invalid account type. | Customer should use another card. |
51 | Insufficient Funds | Fail | Not enough funds. | Customer should use another card or fund their account. |
52 | No Cheque Account | Fail | Cheque account doesn’t exist. | Customer should use another card. |
53 | No Savings Account | Fail | Savings account doesn’t exist. | Customer should use another card. |
54 | Expired Card | Fail | Card expired. | Customer should update their card or use another one. |
55 | Incorrect PIN | Fail | Wrong PIN entered. | Customer should retry with correct PIN or use another card. |
56 | No Card Record | Fail | Card number doesn’t exist. | Customer should verify and re-enter card info. |
57 | Function Not Permitted to Cardholder | Fail | Card not valid for this transaction. | Customer should use another card. |
58 | Function Not Permitted to Terminal | Fail | Transaction type not supported. | Customer should use another card. |
59 | Suspected Fraud | Fail | Card appears fraudulent. | Customer should contact their bank. |
60 | Acceptor Contact Acquirer | Fail | Issuer declined. | Customer should contact their bank and retry. |
61 | Exceeds Withdrawal Limit | Fail | Card limit exceeded. | Customer should use another card or wait until the limit resets. |
62 | Restricted Card | Fail | Card has restrictions. | Customer should contact their bank or use a different card. |
63 | Security Violation | Fail | Security issue. | Customer should use another card. |
64 | Original Amount Incorrect | Fail | Incorrect transaction amount. | Merchant should verify and correct transaction amount. |
65 | Exceeds withdrawal | Fail | Withdrawal frequency exceeded. | Customer should try again later or use a different card. |
66 | Acceptor Contact Acquirer, Security | Fail | Security issue; contact acquirer. | Merchant should contact their acquirer. Customer should use another card. |
67 | Capture Card | Fail | Suspected counterfeit card. | Customer should contact their bank and use another card. |
75 | PIN Tries Exceeded | Fail | Incorrect PIN entered multiple times. | Customer should use another card or contact bank. |
82 | CVV Validation Error | Fail | Incorrect CVV. | Customer should check and re-enter CVV or use another card. |
90 | Cutoff In Progress | Fail | Temporary issue at issuer. | Customer should retry after some time. |
91 | Card Issuer Unavailable | Fail | Issuer could not be contacted. | Customer should retry later. If persistent, use another card. |
92 | Unable To Route Transaction | Fail | Routing issue, often with test cards. | Customer should retry or use a live/valid card. |
93 | Violation Of The Law | Fail | Illegal transaction. | Customer should contact their bank. |
94 | Duplicate Transaction | Fail | Duplicate detected. | No action needed unless customer was charged more than once. |
96 | System Error | Fail | General system issue. | Customer should retry or use another card. |