Credit Card Issuer Response Code

Credit Cards can be declined for numerous reasons.
Here are the most common codes along with the response reason.

0 - 9

Code	Response Code
0	Approved
1	Refer to Card Issuer
2	Refer to Issuer's special conditions
3	Invalid Merchant
4	Pick Up Card
5	Do Not Honor
6	Error
7	Pick Up Card, Special Conditions
8	Honor with identification
9	Request in Progress

10 - 19

Code	Response Code
10	Partial Amount Approved
11	VIP Approval
12	Invalid Transaction
13	Invalid Amount
14	Invalid Card Number
15	No Such Issuer
16	Approved, update track 3
17	Customer Cancellation
18	Customer Dispute
19	Re-enter Transaction

20 - 29

Code	Response Code
20	Invalid Response
21	No Action Taken (no match)
22	Suspected Malfunction
23	Unacceptable Transaction Fee
24	File Update not Supported by Receiver
25	Unable to Locate Record on File
26	Duplicate File Update Record
27	File Update Field Edit Error
28	File Update File Locked Out
29	File Update not Successful

30 - 39

Code	Response Code
30	Format Error
31	Bank not Supported by Switch
32	Completed Partially
33	Expired Card - Pick Up
34	Suspected Fraud - Pick Up
35	Contact Acquirer - Pick Up
36	Restricted Card - Pick Up
37	Call Acquirer Security - Pick Up
38	Allowable PIN Tries Exceeded
39	No CREDIT Account

40 - 49

Code	Response Code
40	Requested Function not Supported
41	Lost Card - Pick Up
42	No Universal Amount
43	Stolen Card - Pick Up
44	No Investment Account

50 - 59

Code	Response Code
51	Insufficient Funds
52	No Cheque Account
53	No Savings Account
54	Expired Card
55	Incorrect PIN
56	No Card Record
57	Trans. not Permitted to Cardholder
58	Transaction not Permitted to Terminal
59	Suspected Fraud

60 - 69

Code	Response Code
60	Card Acceptor Contact Acquirer
61	Exceeds Withdrawal Amount Limits
62	Restricted Card
63	Security Violation
64	Original Amount Incorrect
65	Exceeds Withdrawal Frequency Limit
66	Card Acceptor Call Acquirer Security
67	Hard Capture - Pick Up Card at ATM
68	Response Received Too Late

70 - 79

Code	Response Code
75	Allowable PIN Tries Exceeded
76	Previous message not found
77	Data does not match original message

80 - 89

Code	Response Code
80	Invalid Date
81	Cryptographic failure
82	Incorrect CVV
83	Unable to verify PIN
84	Invalid authorization life cycle
85	No reason to decline
86	ATM Malfunction
87	No Envelope Inserted
88	Unable to Dispense
89	Administration Error

90 - 99

Code	Response Code
90	Cut-off in Progress
91	Issuer or Switch is Inoperative
92	Financial Institution Not Found
93	Trans Cannot be Completed
94	Duplicate Transmission
95	Reconcile Error
96	System Malfunction
97	Reconciliation Totals Reset
98	MAC Error
99	Reserved for National Use

A - Z

Code	Response Code
N0	Force STIP (VISA)
N3	Cash Service Not Available (VISA)
N4	Cash request exceeds issuer limit (VISA)
N7	Decline for CVV2 failure (VISA)
P2	Invalid biller information (VISA)
P5	PIN Change Unblock Declined (VISA)
P6	Unsafe PIN (VISA)
XA	Forward to issuer
XD	Forward to issuer