A Financial Institution may decide to return a Network Response Code that may not match the ISO Code meaning.
| ISO Code | Description |
|---|---|
| 0 | Approved or completed successfully |
| 1 | Refer to card issuer |
| 2 | Refer to card issuers special conditions |
| 3 | Invalid merchant |
| 4 | Pick-up |
| 5 | Do not honor |
| 6 | Error |
| 7 | Pick-up card, special conditions |
| 8 | Honor with identification |
| 9 | Request in progress |
| 10 | Approved for partial amount |
| 11 | Approved (VIP) |
| 12 | Invalid transaction |
| 13 | Invalid amount |
| 14 | Invalid card number (no such number) |
| 15 | No such issuer |
| 16 | Approved, update track 3 |
| 17 | Customer cancellation, reversal (unsupported) |
| 18 | Customer dispute, chargeback (future) |
| 19 | Re-enter transaction |
| 20 | Invalid response |
| 21 | No action taken, reversal (unsupported) |
| 22 | Suspected malfunction, reversal (unsupported) |
| 23 | Unacceptable transaction fee |
| 24 | File update not supported by receiver |
| 25 | Unable to locate record on file |
| 26 | Duplicate file update record, no action |
| 27 | File update field edit error |
| 28 | File update record locked out |
| 29 | File update not successful, contact acquirer |
| 30 | Format error (may also be a reversal) |
| 31 | Bank not supported by switch |
| 32 | Completed partially, reversal (unsupported) |
| 33 | Expired card, pick-up |
| 34 | Suspected fraud, pick-up |
| 35 | Card acceptor contact acquirer, pick-up |
| 36 | Restricted card, pick-up |
| 37 | Card acceptor call acquirer security, pick-up |
| 38 | Allowable PIN tries exceeded, pick-up |
| 39 | No credit account |
| 40 | Requested function not supported |
| 41 | Lost card, pick-up |
| 42 | No universal account |
| 43 | Stolen card, pick-up |
| 44 | No investment account |
| 45 | Reserved for ISO use |
| 46 | Reserved for ISO use |
| 47 | Reserved for ISO use |
| 48 | Reserved for ISO use |
| 49 | Reserved for ISO use |
| 50 | Reserved for ISO use |
| 51 | Insufficient funds |
| 52 | No checking account |
| 53 | No savings account |
| 54 | Expired card |
| 55 | Incorrect PIN |
| 56 | No card record |
| 57 | Transaction not permitted to cardholder |
| 58 | Transaction not permitted to terminal (may also be a chargeback) |
| 59 | Suspected fraud |
| 60 | Card acceptor contact acquirer |
| 61 | Exceeds withdrawal amount limit |
| 62 | Restricted card |
| 63 | Security violation (may also be a chargeback) |
| 64 | Original amount incorrect, reversal (unsupported) |
| 65 | Exceeds withdrawal frequency limit |
| 66 | Card acceptor call acquirer security |
| 67 | Hard capture, pick-up |
| 68 | Response received too late, reversal (unsupported) |
| 69 | Reserved for ISO |
| 70 | Reserved for ISO |
| 71 | Reserved for ISO |
| 72 | Reserved for ISO |
| 73 | Reserved for ISO |
| 74 | Reserved for ISO |
| 75 | Allowable number of PIN tries exceeded |
| 76 | Key synchronization error (FIS) |
| 77 | Reserved for private use |
| 78 | Customer not eligible for POS (Star SM ) |
| 79 | Invalid digital signature |
| 80 | Stale dated transaction (Star SM ) |
| 81 | Issuer requested standin |
| 82 | Count exceeds limit (VISANet) |
| 83 | Reserved for private use |
| 84 | Time limit for pre-authorization reached (VISANet) |
| 85* | Issuer has no reason to decline the transaction (Account Verification) |
| 86 | Cannot verify PIN (VISANet) |
| 87 | Check already posted |
| 88 | Information not on file |
| 89 | Card verification value (CVV) verification failed (no pickup) |
| 90 | Cutoff is in progress |
| 91 | Issuer or switch is inoperative |
| 92 | Financial institution or intermediate network unknown for routing |
| 93 | Transaction cannot be completed, violation of law |
| 94 | Duplication transaction |
| 95 | Reconcile error |
| 96 | System malfunction |
| 97 | Reserved for national use |
| 98 | Reserved for national use |
| 99* | Card network fault error |
| 0Z-9Z | Reserved for ISO use |
| C2-E0 | Reserved for national use (X9.2) |
| E1* | Invalid or unsupported SEC |
| E2* | AVS data required |
| E3* | CVV2 data required |
| E4* | Service not allowed. Transaction not permitted to cardholder. |
| E5* | Service not allowed. Transaction not permitted to cardholder. |
| E6* | Issuer country is blocked |
| E7* | Incorrect MAC was sent |
| E8* | Standard Entry Class requirements were not met |
| E9* | System time out |
| EA* | Account length error |
| EB* | Check digit error |
| EC* | CID format error |
| ED* | Authorization is too old to capture |
| EE* | Card product code is blocked Card product code is blocked |
| EF* | Attempt to process a BRIC transaction on a prior PIN based transaction |
| EG* | CyberSource Time Out Connection to CyberSource timed out |
| EH* | CARD_ENT_METH supplied is not valid or required additional data not provided as defined |
| EI* | CARD_ID is not valid |
| EJ* | Required PIN block not present |
| EK* | Bin is not valid for pinless routing |
| EL* | Signature store did not complete |
| EM* | Debit PIN transactions must be swiped |
| EN* | DB proxy response was not processed within the time out period |
| EO* | Transaction was declined by merchant due to mismatch of CVV2 data |
| EP* | Transaction not allowed as per a validation rule |
| EQ* | There were no available gateway nodes to route transaction |
| EZ-MZ | Reserved for national use (X9.2) |
| N0 | Authorization life cycle unacceptable |
| N1 | Authorization life cycle expired |
| N2 | Non-receipt of requested item (future) |
| N3 | Non-receipt of requested item, illegible copy (future) |
| N4 | Transaction exceeds floor limit (future) |
| N5 | Declined authorization (future) |
| N6 | Non-matching account numbers (future) |
| N7 | Error in addition (future) |
| N8 | Altered amount (future) |
| N9 | Incorrect account number (future) |
| P0 | Missing signature (future) |
| P1 | Slip without card imprint (future) |
| P2 | Imprinting of multiple slips (future) |
| P3 | Canceled pre-authorization transaction (future) |
| P4 | Delinquent settlement (future) |
| P5 | Currency conversion error (future) |
| P6 | Credit posted as a debit (sale) (future) |
| P7 | Claim or defense (future) |
| P8 | Non-receipt of goods (future) |
| P9 | Defective merchandise (future) |
| Q1* | Card authentication failed |
| R0 | Fraudulent transaction prior to embossed valid date (future) |
| R1 | Credit not received (future) |
| R2 | Allowable PAN entries warning -- approved |
| R3 | Approved with overdraft protection |
| R4 | Bad CVV3 |
| RR* | Unknown Backend Processing Error |
| S0 | Check not acceptable for cash |
| S1 | Check not acceptable |
| S2 | Check deposit limit exceeded |
| S3 | Cash back limit exceeded |
| S4 | Check amount does not match courtesy amount |
| S5 | PIN not selected |
| S6 | PIN already selected |
| S7 | Unmatched voucher information |
| S8 | Allowable PAN entries exceeded -- denial |
| S9 | Expiration date mismatch |
| SA | Inactive card |
| SB | Expiration date mismatch (card pickup) |
| SC | Item suspected for stop pay |
| SD | Account closed |
| SE | Ineligible account |
| SF | Item submitted more than two times |
| SG | No account on file - absolute |
| SH | Unable to locate |
| SI | General denial |
| SJ | Item settled via ACH |
| SK | Cross-reference card not found |
| SL | Category limit exceeded |
| SM | Transaction limit exceeded |
| SN | Daily limit exceeded |
| SO | Monthly limit exceeded |
| SP | Invalid secret code |
| SQ | PIN key sync error |
| SR | Bad CVV2 |
| SS | Stop payment order |
| ST | Revocation of authorization order |
| SV | Stop reoccurring payments |
| T3 | Lost card (no pickup) |
| T4 | Closed account |
| T5 | Dormant account |
| T6 | Special conditions (no pick-up) |
| T7 | Purchase only approval for purchase with cash back transaction. |
| T9 | Insufficient funds for fees |
| TA | ARQC validation failed for chip card |
| TB | Unsafe PIN |
| U0-YZ | Reserved for private use |
| ZD* | MasterCard Send (MoneySend) Error due to Expiration Date |
| ZN* | MasterCard Send (MoneySend) Decline due to Card was Declined |
| ZR* | MasterCard Send (MoneySend) Decline due to Unsupported Card |
| ZU* | MasterCard Send (MoneySend) Error due to an Unknown Reason |
| ZX* | MasterCard Send (MoneySend) Decline due to an Unknown Reason |
| ZY* | MasterCard Send (MoneySend) Request in Unknown Status |
| ZZ* | MasterCard Send (MoneySend) Request in Unknown Status |
| 1A* | Decline |
| 6P* | Decline |
| B1* | Decline |
| DA* | Invalid Fleet |
Notes:
- Not all Networks may return this Network Response Code.