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. |