ISO Response Codes

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

ISO Code  Description
0 Approved or completed successfully
1 Refer to card issuer
2 Refer to card issuers special conditions
3 Invalid merchant
4 Pick-up
5 Do not honor
6 Error
7 Pick-up card, special conditions
8 Honor with identification
9 Request in progress
10 Approved for partial amount
11 Approved (VIP)
12 Invalid transaction
13 Invalid amount
14 Invalid card number (no such number)
15 No such issuer
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
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
41 Lost card, pick-up
42 No universal account
43 Stolen card, pick-up
44 No investment account
45 Reserved for ISO use
46 Reserved for ISO use
47 Reserved for ISO use
48 Reserved for ISO use
49 Reserved for ISO use
50 Reserved for ISO use
51 Insufficient funds
52 No checking account
53 No savings account
54 Expired card
55 Incorrect PIN
56 No card record
57 Transaction not permitted to cardholder
58 Transaction not permitted to terminal (may also be a chargeback)
59 Suspected fraud
60 Card acceptor contact acquirer
61 Exceeds withdrawal amount limit
62 Restricted card
63 Security violation (may also be a chargeback)
64 Original amount incorrect, reversal (unsupported)
65 Exceeds withdrawal frequency limit
66 Card acceptor call acquirer security
67 Hard capture, pick-up
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
76 Key synchronization error (FIS)
77 Reserved for private use
78 Customer not eligible for POS (Star SM )
79 Invalid digital signature
80 Stale dated transaction (Star SM )
81 Issuer requested standin
82 Count exceeds limit (VISANet)
83 Reserved for private use
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)
90 Cutoff is in progress
91 Issuer or switch is inoperative
92 Financial institution or intermediate network unknown for routing
93 Transaction cannot be completed, violation of law
94 Duplication transaction
95 Reconcile error
96 System malfunction
97 Reserved for national use
98 Reserved for national use
99* Card network fault error
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)
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)
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
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 Send (MoneySend) Decline due to Card was Declined
ZR* MasterCard Send (MoneySend) Decline due to Unsupported Card
ZU* MasterCard Send (MoneySend) Error due to an Unknown Reason
ZX* MasterCard Send (MoneySend) Decline due to an Unknown Reason
ZY* MasterCard Send (MoneySend) Request in Unknown Status
ZZ* Used by TabaPay for Testing


  • Not all Networks may return this Network Response Code.