Analyzing the result of the authorization request

The result of the authorization is specified in the vads_auth_result field.

Below are the values that can be returned during a CB payment:

Value Description Value Description
00 Approved or successfully processed transaction 54 Expired card
02 Contact the card issuer 55 Incorrect secret code
03 Invalid acceptor 56 Card absent from the file
04 Keep the card 57 Transaction not allowed for this cardholder
05 Do not honor 58 Transaction not allowed for this cardholder
07 Keep the card, special conditions 59 Suspected fraud
08 Confirm after identification 60 The acceptor of the card must contact the acquirer
12 Incorrect Transaction Code 61 Withdrawal limit exceeded
13 Invalid amount 63 Security rules unfulfilled
14 Invalid cardholder number 65 Exceeded number of withdrawals
15 Unknown issuer 68 Response not received or received too late
17 Canceled by the buyer 75 Number of attempts for entering the secret code has been exceeded
19 Retry later 76 The cardholder is already blocked, the previous record has been saved
20 Incorrect response (error on the domain server) 78 Transaction blocked, first transaction on card not properly unblocked
24 Unsupported file update 80 Contactless payment is not accepted by the issuer
25 Unable to locate the registered elements in the file 81 Unsecured payment is not accepted by the issuer
26 Duplicate registration, the previous record has been replaced 82 CVV, dCVV, iCVV incorrect
27 File update edit error 83 Revocation of all recurring payments for the card
28 Denied access to file 84 R1 - Revocation of recurring payment for the card of a specific Merchant or for the MCC and the card
29 Unable to update 86 6P - Failure of the issuer to verify the data
30 Format error 88 A4 - Misuse of the TRA exemption
31 Unknown acquirer company ID 90 Temporary shutdown
33 Expired card 91 Unable to reach the card issuer
34 Suspected fraud 94 Duplicate transaction
38 Expired card 96 System malfunction
41 Lost card 97 Overall monitoring timeout
43 Stolen card 98 Server not available, new network route requested
46 Customer account closed 99 Initiator domain incident
51 Insufficient balance or exceeded credit limit    

To help you understand the refusal reason, here are some details:
Value Description
03

Invalid acceptor

This code is sent by the card issuer. It refers to a configuration problem on authorization servers. (E.g. closed contract, incorrect MCC declared, etc.).

To find out the specific reason of the rejection, the buyer must contact his or her bank.
05 Do not honor

This code is sent by the card issuer. This code is used in the following cases:

  • Invalid expiry date
  • Invalid CVV
  • Exceeded credit limit
  • Insufficient funds (etc.)
To find out the specific reason of the rejection, the buyer must contact his or her bank.
51 Insufficient balance or exceeded credit limit

This code is sent by the card issuer. This code appears if the funds on the buyer’s account are insufficient for making the purchase.

To find out the specific reason of the rejection, the buyer must contact his or her bank.
54 Expiry date exceeded

This code is sent by the card issuer.

Some issuers return this code when the card is canceled before the expiry date, either by the cardholder or by the bank. There is no specific code for indicating that the card has been canceled.
56 Card absent from the file

This code is sent by the card issuer.

The entered card number is incorrect or the card number + expiration date combination does not exist.
57 Transaction not allowed for this cardholder

This code is sent by the card issuer. This code is used in the following cases:

  • The buyer attempts to make an online payment with a cash withdrawal card,
  • The authorized payment limit is exceeded
To find out the specific reason of the rejection, the buyer must contact his or her bank.
59 Suspected fraud

This code is sent by the card issuer. This code appears when an incorrect CVV code or expiration date has been entered several times.

To find out the specific reason of the rejection, the buyer must contact his or her bank.
60

The acceptor of the card must contact the acquirer

This code is sent by the card issuer. It refers to a configuration problem on authorization servers. It is used when the merchant ID does not correspond to the used sales channel (e.g.: an e-commerce transaction with a distant sale contract with manual entry of contract data).

Contact the customer service to resolve the problem.
81

Unsecured payment is not accepted by the issuer

This code is sent by the card issuer. After receiving this code, the payment gateway automatically makes a new payment attempt with 3D Secure authentication, when possible.