Visa Response Code Updates

Visa is actively implementing changes to reduce incorrect response codes from Issuers. TabaPay clients may see changes in the response codes received. Starting 25 April 2026, reclassified response codes will count towards the issuer's generic response code count, which is used to calculate the Generic Response Codes System Integrity Fee.

The codes marked ‡ below change with Visa's October 2026 release.

Defining Categories 1-4

Category 1 - Issuer will never approve. No reattempts permitted.
Category 2 - Issuer cannot approve at this time. Up to 20 reattempts permitted in 30 days.
Category 3 - Data Quality, revalidate data prior to reattempt. Up to 20 reattempts permitted in 30 days.
Category 4 - Generic Response Code. Up to 20 reattempts permitted in 30 days.

Response codes

Response Code	Description	Category	Effective Date
05‡	Do not honor. Visa returns 05 in place of the issuer's 15 on card-present purchases, AFTs, and payments, and in place of 12, 15, or 57 on cash disbursements.	Category 4	October 23, 2026
12‡	Invalid transaction. Also returned when a Visa Installment Credential card issued in the United States is used for an AFT, an OCT other than loyalty and offers, or a transaction in an excluded merchant category. See Visa Installment Credential Cards in the United States.	Category 1	October 23, 2026
46¹	Deactivated token was used	Category 1	In effect as of publication.
57‡	Transaction not permitted to cardholder. Category 2 through October 24, 2026.	Category 1	October 25, 2026
62‡	Restricted card. Also returned on cross-border transactions with Visa Commercial Choice Omni and Visa Commercial Choice Travel cards issued on account ranges with an interchange rate above 2.00%.	Category 2	October 23, 2026
83²‡	Fraud / Security (Visa use only) - blocked due to Visa network fraud. No other codes can override this code. Replaces 59 when Visa declines for suspected fraud on the issuer's behalf.	Category 2	October 23, 2026
R0	Recurring transactions only. Stop this Payment - merchant-level one time stop payment.	Category 1	In effect as of publication.
R1	Recurring transactions only. Stop all Future Payments - merchant or MCC level recurring stop payment.	Category 1	In effect as of publication.
R3³	Recurring transactions only. Stop all Merchants - PAN-level stop payment on VSPS eligible transactions.	Category 1	In effect as of publication.
78¹	Used for suspended or deactivated pseudo Accounts. Blocked, first used or special condition (new cardholder not activated, or card is temporarily blocked).	Category 2†	In effect as of publication.

¹Previously deactivated tokens received a 05 response code.

²Reserved for Visa use only - issuers cannot use.

³5C and 9G response codes not permitted on recurring transactions.

†Updated on 9/2/26

‡Updated on 10/16/26

For additional questions, please contact [email protected].