Code | Message | Meaning |
00 | Success | The transaction was approved |
01 | Refer to issuer | The transaction was blocked by the card holder’s credit card company. The card holder will need to call the number on the back of the card to find out why. |
| 02 | Refer to issuer | The transaction was blocked by the card holder’s credit card company. The card holder will need to call the number on the back of the card to find out why. |
03 | Invalid merchant ID | This response should never appear for a ProPay transaction, but is sometimes returned with other kinds of merchant accounts. Provided here merely for reference. |
04 | Pick up card and deny transaction | There is a problem with the card. Merchant should keep the card and call the number on the back of the card to determine the issue. |
05 | Do not honor | This is a generic response issued by banks when they don’t want to tell you why they’ve declined a transaction. |
06 | Customer requested stop to recurring payment | |
07 | Pick up card (fraud) | There is a problem with the card. The card has been marked for fraud. Merchant should keep the card and call the number on the back of the card to determine the issue. |
08 | Honor with ID only | Only honor the card with verification of card holder’s ID **Note: With ProPay, this response will be treated as a decline and ProPay will NOT settle this transaction to the merchant. With some processors, including some card-present solutions that connect to ProPay, these can be approved. Use for absolute determination of transaction state.** |
09 | Unpaid items on customer account | |
10 | Approved for partial amount | Partial approval **Note: With ProPay, this response will be treated as a decline and ProPay will NOT settle this transaction to the merchant. With some processors, including some card-present solutions that connect to ProPay, these can be approved. Use <status> for absolute determination of transaction state.** |
11 | VIP approval | Partial approval **Note: With ProPay, this response will be treated as a decline and ProPay will NOT settle this transaction to the merchant. With some processors, including some card-present solutions that connect to ProPay, these can be approved. Use <status> for absolute determination of transaction state.** |
12 | Invalid transaction | Verify that the credit card information is input correctly and run the transaction again |
13 | Amount error | |
14 | Invalid card number | The card number that was entered is not valid. Verify the card number and re-enter |
15 | No such issuer | Could not route transaction |
16 | Refund error | |
17 | Over limit | The credit card is over its allowed limit |
19 | Boarded Incorrectly | Typically returned when ProPay has configured something incorrectly on your account. Often something wrong with the merchant’s address. |
| 21 | Unable to back out transaction | |
25 | Invalid terminal | |
28 | Update file temporarily unavailable | |
34 | Transaction cancelled | Fraud concern |
41 | Lost card | Card has been marked as lost. Fraud has been reported on the account. Merchant should keep the card and call the number on the back of the card to determine the issue. |
43 | Stolen card | Card has been marked as stolen. Fraud has been reported on the account. Merchant should keep the card and call the number on the back of the card to determine the issue. |
44 | Pick up card | |
51 | Insufficient funds | There are not enough available funds on the card to complete the transaction **This is the most common response for a declined credit card** |
52 | No such account | No checking account |
53 | No such account | No savings account |
54 | Expired card or gateway invalid argument error | The card has expired |
55 | Incorrect PIN | |
56 | Invalid Card | |
57 | Bank does not allow this type of purchase | The card-issuing bank does not allow this type of purchase on the card. The card holder will need to call the number on the back of the card for more information. |
58 | Credit card network does not allow this purchase. | The credit card brand does not allow this kind of purchase (based on the type of terminal used) |
59 | Credit card network does not allow this purchase. | The credit card brand does not allow this kind of purchase (based on the type of merchant you are) |
61 | Exceeds issuer withdrawal limit | The card cannot be used until the withdrawal limit has been increased |
62 | Issuer does not allow this card to be charged for your business. | The card cannot be used to purchase from your business. The credit card company does not allow purchases from your business type for this card. |
63 | Security Violation | |
65 | Activity limit exceeded | |
75 | PIN tries exceeded | |
76 | Unable to locate account | |
77 | Duplicate reversal or duplicate transaction | |
78 | Account not recognized | |
80 | Invalid Date | |
81 | Cryptographic error | |
82 | Invalid CVV | |
83 | Cannot verify the PIN | |
85 | Card okay on verification request | Can all in for manual approval and enter auth code if your system allows. **Note: With ProPay, this response will be treated as a decline and ProPay will NOT settle this transaction to the merchant. With some processors, including some card-present solutions that connect to ProPay, these can be approved. Use <status> for absolute determination of transaction state.** |
86 | Cannot verify PIN | |
91 | Issuer or switch unavailable | |
92 | Unable to route transaction | |
93 | Cannot complete transaction | The transaction cannot be completed. The customer will need to call the number on the back of the card to determine the issue. |
94 | Duplicate transaction | |
95 | Misc. Error Transaction failure | May be due to input data. See details of <Response> tag. |
96 | Issuer system malfunction or timeout | |
97 | Approved for a lesser amount | ProPay will not settle and consider this a decline. |
98 | Failure HV Merchant boarding configuration error | |
99 | Generic decline or unable to parse issuer response code | Additional data may be returned in the <Response> tag for International merchants |
101 | Decline | Generally insufficient funds or incorrect card data supplied, for example, expiry date or security code. |
102 | Referral B – Contact Authorization Center | Usually treated as a standard decline for Ecommerce systems, the transaction can still be processed using a Manual request once an authorization code is obtained |
103 | Referral A - The card has been reported lost or stolen | The card has been reported lost or stolen. Usually treated as a standard decline for eCommerce systems |
| 403 | Authentication failed | Forbidden means that authentication failed somewhere. Double check the login (activation code and key) credentials. |
404 | Terminal is not connected | Terminal is not connected via bluetooth or USB. |
409 | Transaction is stuck | Transaction is stuck before receiving a confirmation or failure of charge. |
502 | Issue with credit card processor's server | This is a problem connecting to the credit card processor's server. Please contact support to report the issue. |
A1 | POS device authentication successful | Rare approval code. **Note: With ProPay, this response will be treated as a decline and ProPay will NOT settle this transaction to the merchant. With some processors, including some card-present solutions that connect to ProPay, these can be approved. Use <status> for absolute determination of transaction state.** |
A2 | POS device authentication unsuccessful | |
A3 | POS device deactivation successful | Rare approval code **Note: With ProPay, this response will be treated as a decline and ProPay will NOT settle this transaction to the merchant. With some processors, including some card-present solutions that connect to ProPay, these can be approved. Use <status> for absolute determination of transaction state.** |
B1 | Surcharge not permitted | Surcharge not permitted on EBT food stamp card |
B2 | Surcharge not permitted | Surcharge not supported by issuer of this card |
CA | AVS Referral | |
CV | Card type verification error | |
E1 | Encryption not configured | |
E2 | Terminal not authenticated | |
E3 | Data could not be decrypted | |
| EA | Account Length Error | |
EB | Check digit error | |
EC | CID Format error | |
FR | Fraud | Transaction declined because possible fraud was detected by Heartland |
HV | Failure HV | Merchant boarding configuration error |
N0 | Force STIP | |
N3 | Cash service not available | |
N4 | Cash request exceeds issuer or approved limit | |
N5 | Ineligible for resubmission | |
N7 | Decline for CVV2 failure | |
N8 | Transaction amount exceeds preauthorized approval amount | |
PD | Parameter Download | MV PDL system response. Response text indicates EMV PDL status code |
Q1 | Card Authentication failed | |
R0 | Stop Payment Order | |
R1 | Revoke Auth | Revoke authorization for further payments |
R3 | Cancel Payment | Cancel all recurring payments for the card number in the request |