Error Codes - Details & Description

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.

CodeResponse TextStatusError DescriptionSo What
00Transaction ApprovedSuccessfulThe transaction was successful.No action needed.
01Refer to IssuerFailProblem with the credit card number.Customer should contact their bank or use an alternate credit card.
02Refer to Issuer, specialFailProblem with the credit card number.Customer should contact their bank or use an alternate credit card.
03No MerchantFailInvalid Merchant ID.Merchant must verify their Merchant Account Number with their bank.
04Pick Up CardFailCard reported lost or stolen.Customer should use a different card and contact their bank.
05Do Not HonorFailSecurity check failure, funds frozen or depleted.Customer should contact their bank or use another card.
06ErrorFailGeneral issue with card number.Customer should contact their bank or try an alternate card.
07Pick Up Card, SpecialFailCard reported lost or stolen.Customer should contact bank and use a different card.
08Honor With IdentificationSuccessfulUsed instead of '00' by some banks.No action needed.
09Request In ProgressFailProblem with the card number.Customer should retry later or contact their bank.
10Approved For Partial AmountSuccessfulTransaction partially approved.Merchant may need to prompt for the remaining balance.
11Approved, VIPSuccessfulNot used in Australia.No action needed.
12Invalid TransactionFailInvalid format or field.Merchant should verify transaction details and retry.
13Invalid AmountFailInvalid characters in the amount field.Merchant should review integration/code and remove special characters.
14Invalid Card NumberFailCard number does not exist.Customer should check and re-enter card details or use another card.
15No IssuerFailCard issuer does not exist.Customer should use another credit card.
16Approved, Update Track 3SuccessfulTransaction was successful.No action needed.
19Re-enter Last TransactionFailTransaction not processed.Customer should try the transaction again.
21No Action TakenFailCard issue.Customer should contact their bank or use a different card.
22Suspected MalfunctionFailIssuer could not be contacted.Retry the transaction. If it fails again, use a different card.
23Unacceptable Transaction FeeFailUnspecified error.Customer should retry or use a different card.
25Unable to Locate Record On FileFailBank doesn’t recognise card details.Customer should check and re-enter card details or try a different card.
30Format ErrorFailInvalid transaction format.Merchant should verify format, TID, and retry.
31Bank Not Supported By SwitchFailIssuer doesn't allow online transactions.Customer should use a different card.
33Expired Card, CaptureFailCard expired or date incorrect.Customer should verify expiry date or use another card.
34Suspected Fraud, Retain CardFailSuspected fraud.Customer should contact their bank immediately.
35Card Acceptor, Contact AcquirerFailLost or stolen card.Customer should use a different card. Bank may need to be contacted.
36Restricted CardFailLost or stolen card.Customer should contact their bank and use a different card.
37Contact Acquirer SecurityFailLost or stolen card.Customer should contact their bank and use another card.
38PIN Tries Exceeded, CaptureFailIncorrect PIN entered three times.Customer should contact their bank and use another card.
39No Credit AccountFailCard number not a credit account.Customer should use a credit card.
40Function Not SupportedFailTransaction type not supported.Customer should try a different transaction or card.
41Lost CardFailCard reported lost.Customer should use a different card and contact bank.
42No Universal AccountFailAccount type mismatch.Customer should check account type or use a different card.
43Stolen CardFailCard reported stolen.Customer should use a different card and contact bank.
44No Investment AccountFailInvalid account type.Customer should use another card.
51Insufficient FundsFailNot enough funds.Customer should use another card or fund their account.
52No Cheque AccountFailCheque account doesn’t exist.Customer should use another card.
53No Savings AccountFailSavings account doesn’t exist.Customer should use another card.
54Expired CardFailCard expired.Customer should update their card or use another one.
55Incorrect PINFailWrong PIN entered.Customer should retry with correct PIN or use another card.
56No Card RecordFailCard number doesn’t exist.Customer should verify and re-enter card info.
57Function Not Permitted to CardholderFailCard not valid for this transaction.Customer should use another card.
58Function Not Permitted to TerminalFailTransaction type not supported.Customer should use another card.
59Suspected FraudFailCard appears fraudulent.Customer should contact their bank.
60Acceptor Contact AcquirerFailIssuer declined.Customer should contact their bank and retry.
61Exceeds Withdrawal LimitFailCard limit exceeded.Customer should use another card or wait until the limit resets.
62Restricted CardFailCard has restrictions.Customer should contact their bank or use a different card.
63Security ViolationFailSecurity issue.Customer should use another card.
64Original Amount IncorrectFailIncorrect transaction amount.Merchant should verify and correct transaction amount.
65Exceeds withdrawalFailWithdrawal frequency exceeded.Customer should try again later or use a different card.
66Acceptor Contact Acquirer, SecurityFailSecurity issue; contact acquirer.Merchant should contact their acquirer. Customer should use another card.
67Capture CardFailSuspected counterfeit card.Customer should contact their bank and use another card.
75PIN Tries ExceededFailIncorrect PIN entered multiple times.Customer should use another card or contact bank.
82CVV Validation ErrorFailIncorrect CVV.Customer should check and re-enter CVV or use another card.
90Cutoff In ProgressFailTemporary issue at issuer.Customer should retry after some time.
91Card Issuer UnavailableFailIssuer could not be contacted.Customer should retry later. If persistent, use another card.
92Unable To Route TransactionFailRouting issue, often with test cards.Customer should retry or use a live/valid card.
93Violation Of The LawFailIllegal transaction.Customer should contact their bank.
94Duplicate TransactionFailDuplicate detected.No action needed unless customer was charged more than once.
96System ErrorFailGeneral system issue.Customer should retry or use another card.