Credit Card Authorization Error Codes
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Credit Card Authorization Code Format
Store Credit Card Issuer Response Codes Credit Cards can be declined for numerous reasons. Here are credit card authorization code list the most common codes along with the response reason. If you do not see the response code you were looking for; please contact our teamor give
Credit Card Authorization Code Length
us a call at 888-249-9919. Code Response Reason Code Response Reason 0 Approved 54 Expired Card 1 Refer to Card Issuer 55 Incorrect PIN 2 Refer to Issuer's special conditions 56 No Card Record 3 Invalid Merchant 57 Trans. not Permitted to Cardholder 4 Pick Up Card 58 Transaction not Permitted to Terminal credit card authorization form 5 Do Not Honor 59 Suspected Fraud 6 Error 60 Card Acceptor Contact Acquirer 7 Pick Up Card, Special Conditions 61 Exceeds Withdrawal Amount Limits 8 Honor with identification 62 Restricted Card 9 Request in Progress 63 Security Violation 10 Partial Amount Approved 64 Original Amount Incorrect 11 VIP Approval 65 Exceeds Withdrawal Frequency Limit 12 Invalid Transaction 66 Card Acceptor Call Acquirer Security 13 Invalid Amount 67 Hard Capture - Pick Up Card at ATM 14 Invalid Card Number 68 Response Received Too Late 15 No Such Issuer 75 Allowable PIN Tries Exceeded 16 Approved, update track 3 76 Previous message not found 17 Customer Cancellation 77 Data does not match original message 18 Customer Dispute 80 Invalid Date 19 Re-enter Transaction 81 Cryptographic failure 20 Invalid Response 82 Incorrect CVV 21 No Action Taken (no match) 83 Unable to verify PIN 22 Suspected Malfunction 84 Invalid authorization life cycle 23 Unacceptable Transaction Fee 85 No reas
the address that was provided. 00 or 85 Zip Match Approved transaction. There was a match on the zipcode that was provided. 00 or 85 No Match No address or ZIP match, but the
Credit Card Authorization Form Template
transaction was still approved due to your settings. 00 or 85 Ver Unavailable The
Credit Card Authorization Number
address checking system is not available for this cardholder, but the transaction was still approved due to your settings. 00 or credit card authorization process 85 Retry The address check system in down at this time, but the transaction was approved due to your settings. 00 or 85 Error Ingeligable Not a mail/phone order, but your transaction was approved due https://www.totalmerchantconcepts.com/educational-resources/card-issuer-response-codes to your settings. 00 or 85 Serv Unavailable Serive not support for this card, but the transaction was approved due to your settings. 00 Approval Approved and completed. 85 Card Ok Approved and completed. 01 Call This means that the card holders credit card company has blocked the transaction. Have the client call the 800 number on the back of the card and find out why. 02 Call This means that https://stats.slimcd.com/documentation/Error%20Codes_full.htm the card holders credit card company has blocked the transaction. Have the client call the 800 number on the back of the card and find out why. 28 No Reply The card holders bank is not replying to the credit card transaction. Try waiting and then rerunning the transaction. 91 No Reply The card holders bank is not replying to the credit card transaction. Try waiting and then rerunning the transaction. 04 Hold-call or Pick Up Card Pick up the card. There is a problem with the card. Call the 800 number on the back of the card to determine the issue. 07 Hold-call or Pick Up Card Pick up the card. There is a problem with the card. It has been marked for fraud. Call the 800 number on the back of the card to determine the issue. 41 Hold-call or Pick Up Card Lost card, pick up. There has been fraud reported on the account. Call the 800 number on the back of the card. 43 Hold-call or Pick Up Card Stolen card, pick up. There has been fraud reported on the account. Call the 800 number on the back of the card. EA Acct Length Err Verification Error 79 Already Reversed Already reversed at switch 13 Amount Er
Gateway Rejections Descriptors Duplicate Transaction Checking Email Receipts Vault Overview Create Update Card Verification Reporting Overview Settlement Batch Summary Transaction Summary Decline Analysis Expiring Cards 1099-K Webhooks Custom Fields Transactions/Declines Declines are not the same as https://articles.braintreepayments.com/control-panel/transactions/declines gateway rejections. Declined transactions are blocked by the customer's bank, while gateway rejections are blocked by your gateway settings. A processor decline indicates that the customer’s bank has refused the transaction request. Sometimes you http://www.paychoice.com.au/docs/api/credit-card-error-codes/ can tell why it was declined by reading the response code, but only the customer's bank can confirm the specific reason. Here are a few of the most common ones: Incorrect credit card credit card number or expiration date Insufficient funds Some banks will reject charges based on location Some banks will reject charges based on their own fraud rules An acceptable decline ratio is about 10%, but this may fluctuate based on industry or business model. You can analyze your decline ratio by creating a decline report. Your decline ratio may be inflated by repeated attempts on the same payment method—either credit card authorization on your end or the customer’s end. We recommend that you use our risk threshold rules to reduce repeated customer attempts and our automated retry logic for subscriptions instead of implementing your own. Authorization declines When we talk about declines, we're usually referring to authorization declines. These happen when you request authorization to charge a customer's payment method, and the bank refuses to authorize the charge. See the complete list of authorization decline codes. Settlement declines Declines can also happen on settlement: when you try to collect funds from a customer's payment method after a successful authorization, and the bank says no. These declines are much more rare than authorization declines. See more details on settlement declined transactions in the developer docs. See the complete list of settlement decline codes. Types of declines There are two types of declines: hard declines and soft declines. Hard declines are the result of an error or issue which cannot be resolved immediately; the decline is not temporary and subsequent attempts with the same payment method will likely not be successful. Soft declines result from a temporary issue and can be retried; subsequent transaction attempts with the provided payment method information may process successfully
and is subject to change at any time. The response text may also vary between test and live systems. The majority of response codes in the range 00-99 are returned by the card holder's bank and your merchant bank does not have any control over them. If repeated attempts to collect money from this customer using a credit card fail, you should request an alternate credit card for payment. Error Code Description Approved Explanation 00 Transaction Approved Yes The transaction was successful 01 Refer to Issuer No The customer's bank (Card Issuer) has indicated there is a problem with the credit card number. The customer should contact their bank. The customer should use an alternate credit card. 02 Refer to Issuer, special No The customer's bank (Card Issuer) has indicated there is a problem with the credit card number. The customer should contact their bank. The customer should use an alternate credit card. 03 No Merchant No The Merchant ID is invalid, you should contact your Bank and ensure you have provided the correct Merchant Account Number to PayChoice 04 Pick Up Card No The customer's bank (Card Issuer) has declined the transaction and requested that your customer's credit card be retained. (card reported lost or stolen). The customer should use an alternate credit card. 05 Do Not Honour No The customer's bank has declined the transaction as the credit card number has failed a security check, or the funds have been frozen or depleted. The customer should use an alternate credit card. 06 Error No The customer's bank (Card Issuer) has declined the transaction as there is a problem with the credit card number. The customer should contact their bank. The customer should use an alternate credit card. 07 Pick Up Card, Special No The customer's bank (Card Issuer) has declined the transaction and requested that your customer's credit card be retained. (card reported lost or stolen) The customer should use an alternate credit card. 08 Honour With Identification Yes The transaction was successful 09 Request In Progress No The customer's bank (Card Issuer) has indicated there is a problem with the credit card number. The customer should contact their bank. The customer should use an alternate credit card. 10 Approved For Partial Amount Yes The transaction was successful 11 Approved, VIP Yes The transaction was successful 12 Invalid Transaction No The customer's bank (Card Issuer) has declined the transaction because of an invalid format or field. Check the transaction informati