Error 91 Card Issuer Unavailable
Contents |
Article contributed by payment gateway specialists, eWAY Response codes are supplied by the merchant’s bank to eWAY after making contact with the customer’s credit card declined code 51 card issuer. After receiving the payment information from eWAY, your bank
Visa Credit Card Declined Codes
contacts your customer’s bank to confirm the details of the transaction (card #, expiry date, amount, card valid,
Credit Card Declined Code 57
etc.). Depending on that interaction, the customer’s bank will reply to your bank with a response code - this message will then be returned to your website by eWAY.
What Does Refer To Card Issuer Mean
Common types of responses from the banks include: Transaction approved: Your customer’s transaction was processed successfully. Insufficient funds: The customer’s bank noted that there was not enough money available on the card. Card expired: The card used is expired. Has the card been replaced? Refer to issuer: This can mean many different things, ultimately you will need to tell refer to card issuer meaning your customer to contact their card issuing bank. Do they have another card they can use? Please find below a more complete list of the Response Codes you may receive from your merchant bank, plus a description on what those responses mean. Code Response Text Result Explanation 00 Transaction Approved Successful The transaction was successful. 01 Refer to Issuer Fail 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 Fail 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 Fail The Merchant ID is invalid, you should contact your Bank and ensure you have provided the correct Merchant Account Number to eWAY. 04 Pick Up Card Fail The customer’s bank (Card Issuer) has declined the transaction and requested that your customer’s credit card be re
Help Suggestions Send Feedback Answers Home All Categories Arts & Humanities Beauty & Style Business & Finance Cars & Transportation Computers & Internet Consumer Electronics Dining Out Education & Reference Entertainment & Music Environment Family & Relationships Food & Drink Games & Recreation Health Home & Garden Local Businesses News & Events Pets Politics & Government Pregnancy & Parenting credit card declined code 12 Science & Mathematics Social Science Society & Culture Sports Travel Yahoo Products International Argentina Australia credit card declined code 05 Brazil Canada France Germany India Indonesia Italy Malaysia Mexico New Zealand Philippines Quebec Singapore Taiwan Hong Kong Spain Thailand UK & Ireland issuer not available eftpos Vietnam Espanol About About Answers Community Guidelines Leaderboard Knowledge Partners Points & Levels Blog Safety Tips Business & Finance Credit Next What does "card issuer unavailable" mean at an ATM? I went to a few ATMs http://www.ozcart.com.au/bank-response-codes-explained.html tonight to try and take money out of my account (which I know has money in it) and kept getting this error message "card holder unavailable". I've searched in vein for anyone who has ever had this same experience. Unfortunately my bank customer service is closed because it's... show more I went to a few ATMs tonight to try and take money out of my account (which I know has money in it) and https://answers.yahoo.com/question/index?qid=20100221030712AAluNUO kept getting this error message "card holder unavailable". I've searched in vein for anyone who has ever had this same experience. Unfortunately my bank customer service is closed because it's early sunday morning. Does anyone know what this means? Update: I mean "card issuer" not holder. Follow 2 answers 2 Report Abuse Are you sure you want to delete this answer? Yes No Sorry, something has gone wrong. Trending Now Lindsay Lohan Lady Gaga Tyler Posey Kristen Stewart Online Schools Rheumatoid Arthritis Symptoms Christopher Columbus Emily Blunt Asthma Inhalers Johanna Konta Answers Best Answer: It means the atm can't get through to your banks computer, so it can't authorise the transaction. Hopefully if your bank knows what they are doing, it should be fixed pretty quickly. Source(s): Jon S · 7 years ago 4 Thumbs up 0 Thumbs down Comment Add a comment Submit · just now Report Abuse It means that the company that issued you that card will not allow you to use it for some reason. You would need to get in touch with the company, bank, or whoever you went through to find out why. Mary · 6 months ago 0 Thumbs up 0 Thumbs down Comment Add a comment Submit · just now Report Abuse Add your answer What does "card issuer unava
customer call their issuing bank (the number is typically printed on the back of the credit card) and ask why the transaction was declined. Once the issuing bank confirms that they will approve future attempts, try the transaction again. Alternately, ask your https://paysimple.com/paysimple30_help/ps30/a7-cc-failure-codes/Directory_of_Credit_Card_Failure_Codes.htm customer for a different credit card or ask them to pay via ACH. Description:Call Failure Code:02 Failure Code Definition: Refer to issuer-Special condition. What it Means: The customer’s issuing bank has prevented the transaction from being authorized. What to Do: Have your customer call their issuing bank (the number is typically printed on the back of the credit card) and ask why the transaction was declined. Once the issuing bank confirms that they will approve credit card future attempts, try the transaction again. Alternately, ask your customer for a different credit card or ask them to pay via ACH. Description:Hold-Call Failure Code:04 Failure Code Definition: Pick up Card (no fraud) What it Means: The customer’s issuing bank has prevented the transaction from being authorized. NOTE: As you are not processing this transaction in person, you won’t be able to take possession of the card. What to Do: Have your customer call their issuing credit card declined bank (the number is typically printed on the back of the credit card) and ask why the transaction was declined. Once the issuing bank confirms that they will approve future attempts, try the transaction again. Alternately, ask your customer for a different credit card or ask them to pay via ACH. Description:Decline Failure Code:05 Failure Code Definition: Do not honor. What it Means: The customer’s issuing bank is preventing the transaction from being authorized, and instructing you not to honor the card. What to Do: Have your customer call their issuing bank (the number is typically printed on the back of the credit card) and ask why the transaction was declined and clear up any problems that are causing the card to be declined. Once the issuing bank confirms that they will approve future attempts, try the transaction again. You can also ask your customer for a different credit card account or an ACH account, and attempt the transaction again. Description:Hold-Call Failure Code: 07 Failure Code Definition: Pick up card, special condition (fraud account). What it Means: The customer’s issuing bank has prevented the transaction from being authorized because fraudulent activity has been detected on this account. NOTE: As you are not processing this transaction in person, you won’t be able to take possession of the card. What to Do: For a one time transaction, d