List of authorization return codes

Codes returned by the CB and Paylib network:
Value Description Value Description
00 Approved or successfully processed transaction 43 Stolen card
02 Contact the card issuer 51 Insufficient balance or exceeded credit limit
03 Invalid acceptor 54 Expired card
04 Keep the card 55 Incorrect secret code
05 Do not honor 56 Card absent from the file
07 Keep the card, special conditions 57 Transaction not allowed for this cardholder
08 Confirm after identification 58 Transaction not allowed for this cardholder
12 Incorrect Transaction Code 59 Suspected fraud
13 Incorrect Transaction Amount 60 The acceptor of the card must contact the acquirer
14 Invalid cardholder number 61 Withdrawal limit exceeded
15 Unknown issuer 63 Security rules unfulfilled
17 Canceled by the buyer 68 Response not received or received too late
19 Retry later 75 Number of attempts for entering the secret code has been exceeded
20 Incorrect response (error on the domain server) 76 The cardholder is already blocked, the previous record has been saved
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 Revocation of recurring payment for the card of a specific Merchant or for the MCC and the card
27 File update edit error 83 Revocation of all recurring payments for the card
28 Denied access to file 90 Temporary shutdown
29 Unable to update 91 Unable to reach the card issuer
30 Format error 94 Duplicate transaction
31 Unknown acquirer company ID 96 System malfunction
33 Expired card 97 Overall monitoring timeout
34 Suspected fraud 98 Server not available, new network route requested
38 Expired card 99 Initiator domain incident
41 Lost card    

Codes returned by Amex Global acquirer:
Code Description
000 Approved
001 Approved with an ID
002 Partial approval (Prepaid Cards only)
100 Declined
101 Expired card / Invalid expiry date
106 Exceeded PIN entry attempts
107 Please Call Issuer
109 Invalid merchant
110 Incorrect Transaction Amount
111 Invalid account / Invalid MICR (Travelers Cheque)
115 Requested function not supported
117 Invalid PIN
119 Cardholder not enrolled / not allowed
122 Invalid card security code (a.k.a., CID, 4DBC, 4CSC)
125 Invalid effective date
130 Declined
181 Format error
183 Invalid currency code
187 Deny - New card issued
189 Deny - Account canceled
200 Deny - Pick up card
900 Accepted - ATC Synchronization
909 System malfunction (cryptographic error)
912 Issuer not available
Codes returned by Elavon Europe acquirer:
Code Description
0 Approved, success
1 Refer To Card Issuer Client
2 Refer To Card Issuer, Special Condition
3 Invalid Merchant
4 Pick-Up Card
5 Do Not Honour
6 Error
7 Pick-Up Card, Special Condition
8 Honour With Identification
9 Request In Progress
10 Approved, Partial
11 Approved, VIP
12 Invalid Transaction
13 Invalid Amount
14 Invalid Card Number
15 No Such Issuer
16 Approved, Update Track 3
17 Operator Cancelled
18 Customer Dispute
19 Re Enter Transaction
22 Suspected Malfunction
23 Unacceptable Transaction Fee
24 File Update Not Supported
25 Unable To Locate Record
26 Duplicate Record
27 File Update Edit Error
28 File Update File Locked
30 File Update Failed
31 Bank Not Supported
32 Completed Partially
33 Expired Card, Pick-Up
34 Suspected Fraud, Pick-Up
35 Contact Acquirer, Pick-Up
36 Restricted Card, Pick-Up
37 Call Acquirer Security, Pick-Up
38 PIN Tries Exceeded, Pick-Up
39 No Credit Account
40 Function Not Supported
41 Lost Card (Contact Bank)
42 No Universal Account
43 Stolen Card
44 No Investment Account
51 Not Sufficient Funds (Client To Contact Bank)
52 No Check Account
53 No Savings Account
54 Expired Card (Contact Bank)
55 Incorrect PIN
56 No Card Record
57 Transaction Not Permitted To Cardholder
58 Transaction Not Permitted On Terminal
59 Suspected Fraud
60 Contact Acquirer
61 Exceeds Withdrawal Limit
62 Restricted card
63 Security Violation
64 Original Amount Incorrect
65 Exceeds Withdrawal Frequency
66 Call Acquirer Security
67 Hard Capture
68 Response Received Too Late
75 PIN Tries Exceeded
77 Intervene, Bank Approval Required
78 Intervene, Bank Approval Required For Partial Amount
90 Cut-Off In Progress
91 Issuer Or Switch Inoperative
92 Routing Error
93 Violation Of Law
94 Duplicate Transaction
95 Reconcile Error
96 Communication System Malfunction
97 Communication Error - Cannot Connect To FNB
98 Exceeds Cash Limit
76 Approved Country Club
79 Approved Administrative Transaction
80 Approved National Negative File Hit OK
81 Approved Commercial
82 No Security Module
83 Maximum Refund credit Limit exceeded
84 No PBF
85 PBF Update Error
86 Invalid Authorisation Type
87 Bad Track 2
88 PTLF Error
89 Invalid Route Service
Codes returned by the GICC network
Code Description
0 Approved or completed successfully
2 Call Voice-authorization number; Initialization Data
3 Invalid merchant number
4 Retain card
5 Authorization declined
10 Partial approval
12 Invalid transaction
13 Invalid amount
14 Invalid card
21 No action taken
30 Format Error
33 Card expired
34 Suspicion of manipulation
40 Requested function not supported
43 Stolen card, pick up
55 Incorrect personal identification number
56 Card not in authorizer's database
58 Terminal ID unknown
62 Restricted card
78 Stop payment order
79 Revocation of authorization order
80 Amount no longer available
81 Message-flow error
91 Card issuer temporarily not reachable
92 The card type is not processed by the authorization center
96 Processing temporarily not possible
97 Security breach - MAC check indicates error condition
98 Date and time not plausible
99 Error in PAC encryption detected