| Code |
Description |
Summary
Response |
| 00 | Approved or completed successfully | 0 |
| 01 | Refer to card issuer | 1 |
| 02 | Refer to card issuers special conditions | 1 |
| 03 | Invalid merchant | 1 |
| 04 | Pick-up card | 1 |
| 05 | Do not honour | 1 |
| 06 | Error | 1 |
| 07 | Pick-up card | 1 |
| 08 | Honour with identification | 0 |
| 09 | Request in progress | 1 |
| 10 | Approved for partial amount | 0 |
| 11 | Approved VIP | 0 |
| 12 | Invalid transaction | 1 |
| 13 | Invalid amount | 1 |
| 14 | Invalid card number (no such number) | 1 |
| 15 | No such issuer | 1 |
| 16 | Approved | 0 |
| 17 | Customer cancellation | 1 |
| 18 | Customer dispute | 1 |
| 19 | Re-enter transaction | 1 |
| 20 | Invalid response | 1 |
| 21 | No action taken | 1 |
| 22 | Suspected malfunction | 1 |
| 23 | Unacceptable transaction fee | 1 |
| 24 | File update not supported by receiver | 1 |
| 25 | Unable to locate record on file | 1 |
| 26 | Duplicate file update record | 1 |
| 27 | File update field edit error | 1 |
| 28 | File update file locked out | 1 |
| 29 | File update not successful | 1 |
| 30 | Format error | 1 |
| 31 | Bank not supported by switch | 1 |
| 32 | Completed partially | 1 |
| 33 | Expired card | 1 |
| 34 | Suspected fraud | 1 |
| 35 | Card acceptor contact acquirer | 1 |
| 36 | Restricted card | 1 |
| 37 | Card acceptor call acquirer security | 1 |
| 38 | Allowable PIN tries exceeded | 1 |
| 39 | No credit account | 1 |
| 40 | Request function not supported | 1 |
| 41 | Lost card | 1 |
| 42 | No universal account | 1 |
| 43 | Stolen card | 1 |
| 44 | No investment account | 1 |
| 45-50 | Reserved for ISO use | 1 |
| 51 | Not sufficient funds | 1 |
| 52 | No cheque account | 1 |
| 53 | No savings account | 1 |
| 54 | Expired card | 1 |
| 55 | Incorrect PIN | 1 |
| 56 | No card record | 1 |
| 57 | Transaction not permitted to cardholder | 1 |
| 58 | Transaction not permitted to terminal | 1 |
| 59 | Suspected fraud | 1 |
| 60 | Card acceptor contact acquirer | 1 |
| 61 | Exceeds withdrawal amount limits | 1 |
| 62 | Restricted card | 1 |
| 63 | Security violation | 1 |
| 64 | Original amount incorrect | 1 |
| 65 | Exceeds withdrawal frequency limit | 1 |
| 66 | Card acceptor call acquirers security department | 1 |
| 67 | Hard capture (requires that card be picked up at ATM) | 1 |
| 68 | Response received too late | 1 |
| 69-74 | Reserved for ISO use | 1 |
| 75 | Allowable number of PIN tries exceeded | 1 |
| 76-89 | Reserved for private use | 1 |
| 90 | Cutoff is in process (Switch ending a days business and starting the next. The transaction can be sent again in a few minutes). | 1 |
| 91 | Issuer or switch is inoperative | 1 |
| 92 | Financial institution or intermediate network facility cannot be found for routing | 1 |
| 93 | Transaction cannot be completed. Violation of law | 1 |
| 94 | Duplicate transmission | 1 |
| 95 | Reconcile error | 1 |
| 96 | System malfunction | 1 |
| 97 | Advises that reconciliation totals have been reset | 1 |
| 98 | MAC error | 1 |
| 99 | Reserved for national use | 1 |
| ---- |
| 115 | Internal Server Error/Exception | 3 |
| Other | Processing Error | 3 |