Refusal Response Codes
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Refusal codes
We use a set of response codes to provide context on why a payment has been refused. In the response message is a message and a description.
We can also return the raw code received either from:
- the card scheme (for Worldpay-acquired transactions)
- a third party acquirer
See raw response codes for more information.
Response codes
Where there are two or more possible messages for a code, they are separated by an "OR":
| Response code | Description |
|---|---|
| 1 | Refer to card issuer OR Referred, Call Authorization Center |
| 2 | REFERRED OR Refer to card issuer, special condition |
| 3 | INVALID ACCEPTOR OR Invalid merchant OR Invalid merchant or service provider |
| 4 | HOLD CARD OR Capture card OR Declined, Retain Card |
| 5 | REFUSED OR Do not honor OR Declined |
| 6 | Try another card |
| 7 | Pickup card special condition (other than lost/stolen card) |
| 8 | Honor with ID OR Transaction approved with ID |
| 10 | Partial Approval |
| 12 | INVALID TRANSACTION OR Invalid transaction |
| 131 | INVALID AMOUNT OR Invalid amount OR Invalid amount (currency conversion field overflow) or amount exceeds maximum for card program |
| 14 | Invalid card number OR Invalid account number (no such number) |
| 15 | Invalid issuer |
| 19 | Re-enter transaction |
| 20 | ACQUIRER ERROR OR ERROR OR No action taken (unable to back out prior) |
| 25 | Unable to locate record in file, or account |
| 28 | File is temporarily unavailable |
| 30 | Format error OR ERROR |
| 33 | CARD EXPIRED |
| 34 | FRAUD SUSPICION |
| 39 | No credit account |
| 41 | Lost card OR Pickup card (lost card) |
| 43 | STOLEN CARD, PICK UP OR Stolen card OR Pickup card (stolen card) |
| 46 | Closed account |
| 51 | LIMIT EXCEEDED OR Insufficient funds OR Insufficient funds/over credit limit |
| 52 | No checking account |
| 53 | No savings account |
| 54 | Expired card OR DECLINED, EXPIRED CARD |
| 55 | INVALID SECURITY CODE OR Invalid PIN OR ERROR |
| 56 | UNKNOWN CARD |
| 57 | Transaction not permitted to issuer/cardholder OR ILLEGAL TRANSACTION |
| 58 | Transaction not permitted to acquirer/terminal |
| 59 | Suspected Fraud (Visa) |
| 61 | Exceeds withdrawal amount limit |
| 62 | RESTRICTED CARD OR Restricted card OR Restricted card (for example in Country Exclusion table) |
| 63 | Unable to authorise OR ERROR |
| 64 | Unable to authorise |
| 652 | Exceeds withdrawal count limit OR Authentication requested |
| 68 | Time out |
| 70 | CONTACT CARD ISSUER OR Contact Card Issuer |
| 71 | PIN Not Changed |
| 74 | ALLOWABLE NUMBER OF PIN TRIES EXCEEDED |
| 75 | Allowable number of PIN tries exceeded |
| 76 | CARD BLOCKED OR Invalid/nonexistent 'To Account' specified OR Invalid/nonexistent OR Invalid/nonexistent specified |
| 77 | Invalid/nonexistent 'From Account' specified OR Invalid/nonexistent OR Invalid/nonexistent specified |
| 78 | Invalid/nonexistent account specified (general) |
| 79 | Already reversed (Visa) OR Lifecycle reasons (Mastercard) |
| 80 | Visa transactions: credit issuer unavailable. Private label and check a acceptance: Invalid date |
| 82 | Negative CAM, dCVV, iCVV, or CVV results (Visa) OR Policy reasons (Mastercard) |
| 83 | STIP cannot approve (Visa) OR Fraud/Security related reasons (Mastercard) |
| 84 | Invalid Authorization Life Cycle |
| 85 | REJECTED BY CARD ISSUER OR Not declined. Valid for AVS only, balance Inq OR No reason to decline a request |
| 86 | Cannot Verify PIN OR PIN Validation not possible |
| 88 | Unable to authorise |
| 89 | Unacceptable PIN'Transaction Declined'Retry OR Unacceptable PIN - Transaction Declined - Retry OR Ineligible to receive |
| 91 | CREDITCARD ISSUER TEMPORARILY NOT REACHABLE OR Issuer unavailable or switch inoperative (STIP not applicable or available for this transaction) OR Authorization System or issuer system inoperative OR Authorization System or issuer system inop |
| 92 | Unable to route transaction OR Destination cannot be found for routing |
| 93 | Transaction cannot be completed violation of law |
| 94 | Duplicate transaction OR Duplicate transmission detected |
| 96 | Unable to authorise OR System error |
| 98 | ERROR |
| 99 | ERROR |
| 102 | INVALID CARD ISSUER |
| 104 | UNKNOWN CARD |
| 106 | INVALID ACCOUNT |
| 107 | SECURITY BREACH |
| 241 | Verification data failed |
| 397 | Surcharge amount not permitted on Visa |
| 398 | Surcharge not supported |
| 442 | Acquirer Institution Identification Code in the request message is not registered at CAFIS |
| 443 | CAFIS System Error. Try again |
| 444 | The acquirer system is busy. Try again |
| 445 | Acquirer system error. Try again |
| 446 | The acquirer system has closed. Try again |
| 447 | CAFIS System Error. Try again |
| 448 | Illegal encoding format. Try again |
| 449 | CAFIS System Error. Try again |
| 450 | CAFIS System Error. Try again |
| 451 | Advice message already received |
| 452 | CAFIS detected a timeout when it sent the message to the acquirer. Try again |
| 453 | CAFIS System Error. Try again |
| 454 | CAFIS System Error. Try again |
| 455 | CAFIS System Error. Try again |
| 456 | CAFIS System Error. Try again |
| 457 | CAFIS System Error. Try again |
| 458 | The acquirer does not support the service |
| 459 | CAFIS System Error. Try again |
| 460 | CAFIS System Error. Try again |
| 577 | The card is unusable. Contact issuer. OR The card is unusable. |
| 578 | The transaction is pending. Contact issuer. OR The transaction is pending. |
| 579 | PIN is incorrect |
| 580 | Security Code is incorrect |
| 581 | Security Code is not set |
| 582 | JIS2 stripe information is invalid |
| 583 | The card is maxed out for the day. Contact issuer. OR The card is maxed out for the day. (insufficient funds) |
| 584 | The amount exceeds the limit for the day. Contact issuer. OR The amount exceeds the limit for the day. (insufficient funds) |
| 586 | The card is invalid. Keep card and contact issuer OR The card is invalid. (MOD 10 check failed) |
| 587 | The card is invalid (lost/stolen). Keep card and contact issuer OR The card is invalid (lost/stolen). |
| 588 | The card is invalid. Keep card and contact issuer. OR The card is invalid. (MOD 10 check failed) |
| 589 | Message element "Primary Account Number" value is invalid OR Message element "Primary Account Number" value is invalid (MOD 10 check failed) |
| 590 | Message element "Merchant Type" value is invalid |
| 591 | Message element "Transaction Amount" value is invalid |
| 592 | Message element "Tax and Postage" value is invalid |
| 593 | Bonus Count value is invalid |
| 594 | Bonus Month value is invalid |
| 595 | Bonus Amount value is invalid |
| 596 | First Payment Month value is invalid |
| 597 | Installment Count value is invalid |
| 598 | Installment Amount value is invalid |
| 599 | First Payment Amount value is invalid |
| 600 | Message elements Service Code, Business Code and Message Code value is invalid |
| 601 | Message element "Payment Division" value is invalid |
| 602 | Message element "Inquiry Division" value is invalid |
| 603 | Message element "Cancel Division" value is invalid |
| 604 | Message element "Original Payment Division" value is invalid |
| 605 | UNKNOWN RESPONSE CODE OR The card is expired. |
| 606 | THE CARD IS NOT APPLICABLE TO THE SERVICE OR The card is not applicable to the service. |
| 607 | The acquirer service is completed. |
| 608 | The invalid card (lost/stolen) has an error. |
| 609 | The request message cannot be processed for some reason. Contact issuer. OR The request message cannot be processed for some reason. |
| 610 | The request message for which a transaction is not supported is received |
| 611 | UNKNOWN RESPONSE CODE OR The request message from a centre which has not made the contact. |
| 622 | Message element "Service Code" setting error |
| 623 | Message element "Business Code" setting error |
| 624 | Message element "Message Code" setting error |
| 625 | Message element "Processor Code" setting error |
| 626 | Message element "Merchant Code" setting error |
| 627 | Message element "Transaction Identifier" setting error |
| 628 | Message element "Processor Transaction Date-Time" setting error |
| 629 | Message element "Card Acceptor Terminal Identification" setting error |
| 630 | Message element "Encryption Method Code" setting error |
| 631 | Message element "Key Encryption Key Index in Use" setting error |
| 632 | Message element "Processor Authentication Key Index" setting error |
| 633 | Message element "Message Encryption Key" setting error |
| 634 | Message element "Message Authentication Code" setting error |
| 635 | Message element "Acquirer Institution Identification Code" setting error |
| 636 | Message element "Primary Account Number" setting error |
| 637 | Message element "Expiration Date" setting error |
| 638 | Message element "Track-2 Data" setting error |
| 639 | Message element "PIN Data" setting error |
| 640 | Message element "Merchant Type" setting error |
| 641 | Message element "Transaction Amount" setting error |
| 642 | Message element "Tax and Postage" setting error |
| 643 | Message element "Point of Service Data Code" setting error |
| 644 | Message element "Payment Division" setting error |
| 645 | Message element "Cancel Division" setting error |
| 646 | Message element "Original Terminal Processing Serial Number" setting error |
| 647 | Message element "Original Payment Division" setting error |
| 658 | Message element "Original Processor Transaction Date-Time" setting error |
| 659 | Message element "Original Transaction Identifier" setting error |
| 660 | Message element "Free Field" setting error |
| 661 | Message element "Terminal Processing Serial Number" setting error |
| 662 | Message element "Security Code" setting error |
| 663 | Message element "Electronic Commerce Indicator" setting error |
| 664 | Message element "XID" setting error |
| 665 | Message element "Accountholder Authentication Value" setting error |
| 666 | Message element "Transaction Status" setting error |
| 667 | Message element "Message Version Number" setting error |
| 668 | Message element "CAVV Algorithm" setting error |
| 669 | Message element "Recurring Flag" setting error |
| 670 | Element Block (e.g. "General Transaction Info" setting error) |
| 671 | Combination of message elements "Service Code" and "Message Code" setting is incorrect |
| 672 | Message element "Processor Authentication Key Index" setting error |
| 673 | There is more than one original transaction to reverse. Unable to reverse the transaction |
| 674 | Combination of message elements "Processor Code" and "Merchant Code" setting is incorrect |
| 675 | Global GEAR System Error. Try Again. |
| 676 | Global GEAR System Error. Transaction result is unclear. |
| 677 | Global GEAR System Error. Transaction result is unclear. |
| 678 | Global GEAR System Error. Try Again. |
| 679 | Global GEAR System Error. Transaction result is unclear. |
| 680 | Global GEAR System Error. Transaction result is unclear. |
| 681 | Global GEAR System Error. Try Again. |
| 682 | Global GEAR System Error. Transaction result is unclear. |
| 683 | Global GEAR System Error. Transaction result is unclear. |
| 694 | Global GEAR System Error. Transaction result is unclear. |
| 695 | Global GEAR System Error. Transaction result is unclear. |
| 696 | Global GEAR System Error. Transaction result is unclear. |
| 697 | Global GEAR System Error. Transaction result is unclear. |
| 698 | Global GEAR System Error. Transaction result is unclear. |
| 699 | Global GEAR System Error. Transaction result is unclear. |
| 700 | Global GEAR System Error. Transaction result is unclear. |
| 701 | Global GEAR System Error. Transaction result is unclear. |
| 702 | Global GEAR System Error. Transaction result is unclear. |
| 703 | Global GEAR System Error. Try Again. |
| 704 | Global GEAR System Error. Transaction result is unclear. |
| 705 | Global GEAR System Error. Try Again. |
| 828 | Unable to authorize |
| 831 | Cash service not available |
| 832 | Cash back request exceeds issuer limit |
| 833 | Resubmitted transaction over max days limit |
| 835 | Decline for CVV2 failure |
| 836 | Transaction amount greater than preauthorised |
| 902 | Invalid biller information |
| 905 | Unable to authorise |
| 906 | Unable to authorise |
| 911 | UNKNOWN RESPONSE CODE |
| 937 | Card Authentication failed |
| 972 | Stop Payment Order |
| 973 | Revocation of Authorization Order |
| 975 | REFUSED OR Revocation of All Authorizations Order |
| 1044 | Approval, keep first check |
| 1045 | Check OK, no conversion |
| 1046 | Invalid RTTN |
| 1047 | Amount greater than limit |
| 1048 | Unpaid items, failed NEG |
| 1049 | Duplicate check number |
| 1050 | MICR error |
| 1051 | Too many checks |
| 1198 | Forward to issuer |
| 1201 | Forward to issuer |
| 1263 | Unable to authorise |
| 1295 | Unknown |
Info
Response codes and descriptions are coming directly from the acquirer. Whilst we are making an effort to update this list where possible, it might not be exhaustive.
1 The monthly limit for gambling transaction is exceeded (Europe: €50 000 or local currency equivalent; Azerbaijan, Moldova, and Ukraine: €10 000 or local currency equivalent)
2 Soft decline, customer must be authenticated
Refusal advice codes
Refusal advice codes provide additional information with a refused authorization response. This included whether you may retry a transaction and in what circumstances.
Note
We return these codes only for Mastercard/Maestro transactions at present. The acquirer must support the advice code, and the card scheme must have returned a code to us.
| Refusal Advice Code | Example scenarios | Retry advised? | Further information |
|---|---|---|---|
| 01 | Card expired: updated account information available | ✅ | Retry with updated account information or authentication |
| 02 | Insufficient funds at present | ✅ | Retry later (after 72 hours) |
| 03 | Invalid Account Number / Lost or Stolen Card | ❌ | Do not retry (scheme fees may apply) |
| 04 | Problem with network token authentication | ✅ | review network token authentication value |
| 21 | Cardholder requested that recurring or installment payment be stopped | ❌ | Do not retry (scheme fees may apply) |
| 22 | Merchant not enrolled in Mastercard instalment program | ❌ | Do not retry |
| 24 | Insufficient funds at present | ✅ | Retry later (after 1 hour) |
| 25 | Insufficient funds at present | ✅ | Retry later (after 24 hours) |
| 26 | Insufficient funds at present | ✅ | Retry later (after 2 days) |
| 27 | Insufficient funds at present | ✅ | Retry later (after 4 days) |
| 28 | Insufficient funds at present | ✅ | Retry later (after 6 days) |
| 29 | Insufficient funds at present | ✅ | Retry later (after 8 days) |
| 30 | Insufficient funds at present | ✅ | Retry later (after 10 days) |
Note
Mastercard do not currently support advice codes for MCC 7995.