ISO Response Codes

A Financial Institution may decide to return a Network Response Code that may not match the ISO Code meaning.

Network Code ISO Reason Reason for Failure Action Required
00 Approved or completed successfully    
01 Refer to card Issuer Fraud Cardholder needs to call the issuing bank
02 Refer to card issuers special conditions    
03 Invalid Merchant Network Issue Contact TabaPay Support
04 Pick-Up Fraud Indicator - Stolen Card Customer Should call issuing bank 
05 Do not Honor issuer rejecting for various reasons Cardholder needs to call the issuing bank
06 Error    
07 Pick-up card, Special Conditions Pick up card, special condition (fraud account) Cardholder needs to call the issuing bank
08 Honor with identification    
09 Request in progress    
10 Approved for partial amount    
11 Approved (VIP)    
12 Invalid Transaction Transaction not approved by issuing bank Customer Should call issuing bank 
13 Invalid amount Limit Issue  Contact TabaPay Support
14 Invalid card number (no such number) Consumer likely replaced their card  Cardholder needs to call the issuing bank
15 No such issuer Network Issue Contact TabaPay Support
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 Network Issue Contact TabaPay Support
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 Network Issue Contact TabaPay Support
41 Lost Card, Pick-up Lost card, pick up (fraud account) Cardholder needs to call the issuing bank
42 No universal account    
43 Stolen Card, Pick-up Stolen card, pick up (fraud account) Cardholder needs to call the issuing bank
44 No investment account    
45 Reserved for ISO use    
46 Closed Account. Do not reattempt with the same PAN or token. (Visa) Closed account Revalidate account / use different PAN number
47 Reserved for ISO use    
48 Reserved for ISO use    
49 Reserved for ISO use    
50 Reserved for ISO use    
51 Insufficient Funds The card has insufficient funds to complete the purchase Customer Should call issuing bank 
52 No checking account Debit card tied to Only savings account Customer Should call issuing bank 
53 No savings account    
54 Expired Card Card has expired Cardholder needs to call the issuing bank
55 Incorrect PIN    
56 No card record    
57 Transaction not permitted to CardHolder Transaction not approved by issuing bank Cardholder needs to call the issuing bank
58 Transaction not permitted to terminal (may also be a chargeback) Merchant issue Contact TabaPay Support
59 Suspected fraud Issuer rejecting Cardholder needs to call the issuing bank
60 Card acceptor contact acquirer    
61 Exceeds withdrawal amount limit banks set limits on transactions Cardholder needs to call the issuing bank
62 Restricted Card Card Issue - card may not be activated or may be payroll or Has card Cardholder needs to call the issuing bank
63 Security violation (may also be a chargeback)    
64 Original amount incorrect, reversal (unsupported)    
65 Exceeds withdrawal frequency limit Issuer sets limits Cardholder needs to call the issuing bank
66 Card acceptor call acquirer security    
67 Hard Capture, Pick-Up Fraud issue Cardholder needs to call the issuing bank
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 This is an ATM Only Card Customer Should call issuing bank 
76 Key synchronization error (FIS)    
77 Reserved for private use    
78 Customer not eligible for POS (Star SM ) This is an ATM Only Card Customer Should call issuing bank 
79 Lifecycle declines Lifecycle declines (Expired Card, Invalid Card Number, etc.) Customer Should call issuing bank 
80 Stale dated transaction (Star SM )    
81 Issuer requested standin    
82 Issuer declines Issuer Policy declines (Restricted Card, Transaction Not Permitted, etc.) Customer Should call issuing bank 
83 Fraud Card-Absent Environment. Fraud/Security declines (Lost/Stolen Card, Security Violation, etc.) Customer Should call issuing bank 
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) Invalid CVV Customer Should call issuing bank 
90 Cutoff is in progress    
91 Issuer or Switch is inoperative Retry  
92 Financial institution or intermediate network unknown for routing Network issue Contact TabaPay Support
93 Transaction cannot be completed, violation of law    
94 Duplication transaction    
95 Reconcile error    
96 System Malfunction Received during nights when issuer goes offline Contact TabaPay Support
97 Reserved for national use    
98 Reserved for national use    
99* Card network fault error    
100 Do not Honor Issuer rejecting for various reasons. Could be a card that is not supported for debt repayment) Cardholder needs to call the issuing bank
101 Expired Card Card has expired Customer Should call issuing bank 
107 Refer to card issuer Fraud Indicator - Stolen Card Customer Should call issuing bank 
108 Refer to card issuer's special condition Fraud Customer Should call issuing bank 
114 No account of type requested No checking account associated to card Customer Should call issuing bank 
116 Insufficient funds The customer does not have enough money in their accounts. Customer Should call issuing bank 
119 Transaction not permitted to cardholder Transaction not approved by issuing bank Customer Should call issuing bank 
123 Exceeds withdawal limit frequency Issuers do set limits for debit cards by customers. Cardholder needs to call the issuing bank
209 Stolen card  Fraud Indicator - Stolen Card Customer Should call issuing bank 
908 Transaction destination cannot be found for routing Network issue Contact TabaPay Support
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) Invalid/Missing CVV Check CVV and retry
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) R1 means the cardholder has called their bank to block the specific merchant.  the merchant should not retry the payment.   Customer Should call issuing bank 
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 MoneySend Decline due to Card was Declined Various reasons for decline Cardholder needs to call the issuing bank
ZR* MasterCard MoneySend Decline due to Unsupported Card BIN not supported. Contact TabaPay Support
ZU* MasterCard MoneySend Error due to an Unknown Reason Unknown Contact TabaPay Support
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    

Notes:

  • Not all Networks may return this Network Response Code.