Payments

Gateway Response Codes

1min

Gateway response codes are values that are composed of two digits indicating the status or failure reason of a given payment.
Response code are only available when the payment has been sent through the acquirer gateway and will be null otherwise.
These codes are applicate to Card and Apple Pay payments.
Code
Reason
Status
Explanation
00
Transaction Approved
paid
The transaction was successful.
01
Refer to Issuer
failed
The card's bank found an issue. Contact the bank or try another card.
02
Refer to Issuer, special
failed
The card's bank found an issue. Contact the bank or try another card.
03
No Merchant
failed
The merchant ID is invalid. Contact your bank with the correct merchant account number.
04
Pick Up Card
failed
The bank declined the transaction and wants the card to be kept due to it being reported lost or stolen. Use another card.
05
Do Not Honour
failed
The bank declined the transaction due to a security issue or lack of funds. Use another card.
06
Error
failed
The card's bank declined the transaction due to a card number error. Contact the bank or try another card.
07
Pick Up Card, Special
failed
The bank declined the transaction and wants the card to be kept due to it being reported lost or stolen. Use another card.
08
Honor With Identification
paid
The transaction was successful. This code is sometimes used instead of '00'.
09
Request In Progress
failed
The card's bank found an issue. Contact the bank or try another card.
10
Approved For Partial Amount
paid
The transaction was successful.
11
Approved, VIP
paid
The transaction was successful. (Not used in Australia.)
12
Invalid Transaction
failed
The bank declined the transaction due to incorrect information. Check and retry.
13
Invalid Amount
failed
There's an error with the amount entry. Check your website’s code.
14
Invalid Card Number
failed
The bank declined the transaction because the card number does not exist. Check the details and retry.
15
No Issuer
failed
The card's bank does not exist. Check the details and retry.
16
Approved, Update Track 3
paid
The transaction was successful.
19
Re-enter Last Transaction
failed
The transaction was not processed. Try processing again.
21
No Action Taken
failed
The card's bank found an issue. Contact the bank or try another card.
22
Suspected Malfunction
failed
The bank could not be contacted during the transaction. Check the details and retry.
23
Unacceptable Transaction Fee
failed
An unspecified error occurred.
25
Unable to Locate Record On File
failed
The bank does not recognize the card details. Check the details and retry.
30
Format Error
failed
The bank does not recognize the transaction details. Check and retry, noting the TID might be incorrect.
31
Bank Not Supported By Switch
failed
The bank declined the transaction for mail/telephone, fax, email, or internet orders, particularly with a Discover Card. Use another card.
33
Expired Card, Capture
failed
The bank declined the transaction because the card has expired. Check the expiry date and retry.
34
Suspected Fraud, Retain Card
failed
The bank suspects fraud on this card.
35
Card Acceptor, Contact Acquirer, Retain Card
failed
The bank declined the transaction and wants the card to be kept due to it being reported lost or stolen. Use another card.
36
Restricted Card, Retain Card
failed
The bank declined the transaction and wants the card to be kept due to it being reported lost or stolen. Use another card.
37
Contact Acquirer Security Department, Retain Card
failed
The bank declined the transaction and wants the card to be kept due to it being reported lost or stolen. Use another card.
38
PIN Tries Exceeded, Capture
failed
The bank declined the transaction due to wrong PIN entered three times. It also requested retaining the card. Use another card and contact your bank.
39
No Credit Account
failed
The bank declined the transaction as the card is not linked to a credit account. Use another card.
40
Function Not Supported
failed
The bank declined the transaction as it doesn't allow this type of transaction. Use another card.
41
Lost Card
failed
The bank declined the transaction because the card was reported lost. Use another card.
42
No Universal Account
failed
The bank declined the transaction as the account type selected is not valid for this card. Use another card.
43
Stolen Card
failed
The bank declined the transaction because the card was reported stolen. Use another card.
44
No Investment Account
failed
The bank declined the transaction as the account type selected is not valid for this card. Use another card.
51
Insufficient Funds
failed
The bank declined the transaction due to insufficient funds. Use another card.
52
No Cheque Account
failed
The bank declined the transaction as the linked cheque account does not exist. Use another card.
53
No Savings Account
failed
The bank declined the transaction as the linked savings account does not exist. Use another card.
54
Expired Card
failed
The bank declined the transaction because the card has expired. Check the expiry date and retry, or use another card.
55
Incorrect PIN
failed
The bank declined the transaction due to an incorrect PIN. Re-enter PIN or use another card.
56
No Card Record
failed
The bank declined the transaction because the card number does not exist. Use another card.
57
Function Not Permitted to Cardholder
failed
The bank declined the transaction because this card can't be used for this transaction. Use another card.
59
Suspected Fraud
failed
The bank declined this transaction due to suspected fraud.
60
Acceptor Contact Acquirer
failed
The bank declined the transaction. Contact your bank and try again.
61
Exceeds Withdrawal Limit
failed
The bank declined the transaction as it exceeds the card's limit. Use another card.
62
Restricted Card
failed
The bank declined the transaction due to restrictions on the card. Use another card.
63
Security Violation
failed
The bank declined the transaction. Use another card.
64
Original Amount Incorrect
failed
The bank declined the transaction due to a wrong amount being processed. Check the amount and retry.
65
Exceeds withdrawal
failed
The bank declined the transaction as the withdrawal limit was exceeded. Use another card.
66
Acceptor Contact Acquirer, Security
failed
The bank declined the transaction and asks the merchant to contact the bank. Use another card.
67
Capture Card
failed
The bank declined the transaction as the card is suspected counterfeit and should be kept. Use another card.
75
PIN Tries Exceeded
failed
The bank declined the transaction because the wrong PIN was entered too many times. Use another card.
82
CVV Validation Error
failed
The bank declined the transaction because of an incorrect CVV. Check the CVV details and retry. If unsuccessful, use another card.
90
Cutoff In Progress
failed
The bank is temporarily unable to process the card. Try the transaction again later.
91
Card Issuer Unavailable
failed
The bank could not be contacted to authorise the transaction. Try again later.
92
Unable To Route Transaction
failed
The bank could not be found for routing, often with a test card number. Try the transaction again.
93
Cannot Complete, Violation Of The Law
failed
The bank declined the transaction and requests the customer to contact their bank. Use another card.
94
Duplicate Transaction
failed
The bank declined the transaction as it seems to be a duplicate. No further action required.
96
System Error
failed
The bank could not process the transaction. Try again later.
﻿

Code	Reason	Status	Explanation
00	Transaction Approved	paid	The transaction was successful.
01	Refer to Issuer	failed	The card's bank found an issue. Contact the bank or try another card.
02	Refer to Issuer, special	failed	The card's bank found an issue. Contact the bank or try another card.
03	No Merchant	failed	The merchant ID is invalid. Contact your bank with the correct merchant account number.
04	Pick Up Card	failed	The bank declined the transaction and wants the card to be kept due to it being reported lost or stolen. Use another card.
05	Do Not Honour	failed	The bank declined the transaction due to a security issue or lack of funds. Use another card.
06	Error	failed	The card's bank declined the transaction due to a card number error. Contact the bank or try another card.
07	Pick Up Card, Special	failed	The bank declined the transaction and wants the card to be kept due to it being reported lost or stolen. Use another card.
08	Honor With Identification	paid	The transaction was successful. This code is sometimes used instead of '00'.
09	Request In Progress	failed	The card's bank found an issue. Contact the bank or try another card.
10	Approved For Partial Amount	paid	The transaction was successful.
11	Approved, VIP	paid	The transaction was successful. (Not used in Australia.)
12	Invalid Transaction	failed	The bank declined the transaction due to incorrect information. Check and retry.
13	Invalid Amount	failed	There's an error with the amount entry. Check your website’s code.
14	Invalid Card Number	failed	The bank declined the transaction because the card number does not exist. Check the details and retry.
15	No Issuer	failed	The card's bank does not exist. Check the details and retry.
16	Approved, Update Track 3	paid	The transaction was successful.
19	Re-enter Last Transaction	failed	The transaction was not processed. Try processing again.
21	No Action Taken	failed	The card's bank found an issue. Contact the bank or try another card.
22	Suspected Malfunction	failed	The bank could not be contacted during the transaction. Check the details and retry.
23	Unacceptable Transaction Fee	failed	An unspecified error occurred.
25	Unable to Locate Record On File	failed	The bank does not recognize the card details. Check the details and retry.
30	Format Error	failed	The bank does not recognize the transaction details. Check and retry, noting the TID might be incorrect.
31	Bank Not Supported By Switch	failed	The bank declined the transaction for mail/telephone, fax, email, or internet orders, particularly with a Discover Card. Use another card.
33	Expired Card, Capture	failed	The bank declined the transaction because the card has expired. Check the expiry date and retry.
34	Suspected Fraud, Retain Card	failed	The bank suspects fraud on this card.
35	Card Acceptor, Contact Acquirer, Retain Card	failed	The bank declined the transaction and wants the card to be kept due to it being reported lost or stolen. Use another card.
36	Restricted Card, Retain Card	failed	The bank declined the transaction and wants the card to be kept due to it being reported lost or stolen. Use another card.
37	Contact Acquirer Security Department, Retain Card	failed	The bank declined the transaction and wants the card to be kept due to it being reported lost or stolen. Use another card.
38	PIN Tries Exceeded, Capture	failed	The bank declined the transaction due to wrong PIN entered three times. It also requested retaining the card. Use another card and contact your bank.
39	No Credit Account	failed	The bank declined the transaction as the card is not linked to a credit account. Use another card.
40	Function Not Supported	failed	The bank declined the transaction as it doesn't allow this type of transaction. Use another card.
41	Lost Card	failed	The bank declined the transaction because the card was reported lost. Use another card.
42	No Universal Account	failed	The bank declined the transaction as the account type selected is not valid for this card. Use another card.
43	Stolen Card	failed	The bank declined the transaction because the card was reported stolen. Use another card.
44	No Investment Account	failed	The bank declined the transaction as the account type selected is not valid for this card. Use another card.
51	Insufficient Funds	failed	The bank declined the transaction due to insufficient funds. Use another card.
52	No Cheque Account	failed	The bank declined the transaction as the linked cheque account does not exist. Use another card.
53	No Savings Account	failed	The bank declined the transaction as the linked savings account does not exist. Use another card.
54	Expired Card	failed	The bank declined the transaction because the card has expired. Check the expiry date and retry, or use another card.
55	Incorrect PIN	failed	The bank declined the transaction due to an incorrect PIN. Re-enter PIN or use another card.
56	No Card Record	failed	The bank declined the transaction because the card number does not exist. Use another card.
57	Function Not Permitted to Cardholder	failed	The bank declined the transaction because this card can't be used for this transaction. Use another card.
59	Suspected Fraud	failed	The bank declined this transaction due to suspected fraud.
60	Acceptor Contact Acquirer	failed	The bank declined the transaction. Contact your bank and try again.
61	Exceeds Withdrawal Limit	failed	The bank declined the transaction as it exceeds the card's limit. Use another card.
62	Restricted Card	failed	The bank declined the transaction due to restrictions on the card. Use another card.
63	Security Violation	failed	The bank declined the transaction. Use another card.
64	Original Amount Incorrect	failed	The bank declined the transaction due to a wrong amount being processed. Check the amount and retry.
65	Exceeds withdrawal	failed	The bank declined the transaction as the withdrawal limit was exceeded. Use another card.
66	Acceptor Contact Acquirer, Security	failed	The bank declined the transaction and asks the merchant to contact the bank. Use another card.
67	Capture Card	failed	The bank declined the transaction as the card is suspected counterfeit and should be kept. Use another card.
75	PIN Tries Exceeded	failed	The bank declined the transaction because the wrong PIN was entered too many times. Use another card.
82	CVV Validation Error	failed	The bank declined the transaction because of an incorrect CVV. Check the CVV details and retry. If unsuccessful, use another card.
90	Cutoff In Progress	failed	The bank is temporarily unable to process the card. Try the transaction again later.
91	Card Issuer Unavailable	failed	The bank could not be contacted to authorise the transaction. Try again later.
92	Unable To Route Transaction	failed	The bank could not be found for routing, often with a test card number. Try the transaction again.
93	Cannot Complete, Violation Of The Law	failed	The bank declined the transaction and requests the customer to contact their bank. Use another card.
94	Duplicate Transaction	failed	The bank declined the transaction as it seems to be a duplicate. No further action required.
96	System Error	failed	The bank could not process the transaction. Try again later.

Updated 22 Apr 2024

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