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.

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 Code	Description	Category	Effective Date
46*	Deactivated token was used	Category 1	In effect as of publication.
57**	Transaction not permitted to cardholder	Category 1	October 25, 2026
83**	Fraud / Security (Visa use only) – blocked due to Visa network fraud. No other codes can override this code.	Category 2	October 25, 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.
R3***	Recurring transactions only. Stop all Merchants - PAN-level stop payment on VSPS eligible transactions.	Category 1	In effect as of publication.
78*	Used for suspended or deactivated pseudo Accounts. Blocked, first used or special condition (new cardholder not activated, or card is temporarily blocked).	Category 1	In effect as of publication.

*Previously deactivated tokens received a 05 response code.

** Reserved for Visa use only – issuers cannot use.

***5C and 9G response codes not permitted on recurring transactions.

For additional questions, please contact [email protected].