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  5. Card authorization – Bank return codes
Mis à jour le 11 février 2026
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    • The MERCHANT-ENROLLMENT object
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Card authorization – Bank return codes

Estimated reading: 10 minutes

Issuer response codes returned to CentralPay after a card authorization request.

These values generally correspond to the ISO 8583 “Response code” (DE39) returned by card networks/issuers. Depending on the scheme, country, and routing, you may also receive network-specific or gateway-specific variants (for example alphanumeric or 3-digit codes).

Important: the same code can cover multiple issuer-side reasons. Unless explicitly stated, CentralPay passes these codes as received. For troubleshooting, combine the response code with your transaction context (amount, currency, 3DS result, merchant category, card brand, retries).

Most common response codes

CodeDescriptionRecommended action
00ApprovedProceed with capture / fulfillment.
02Contact card issuerAsk customer to contact their bank; retry only if customer confirms.
03Invalid acceptorCheck merchant/terminal configuration (MID/TID, acquirer routing).
04Pick up / retain cardDo not retry; follow your in-store procedure (if applicable).
05Do not honorGeneric decline: do not “loop” retries; ask customer to contact issuer or use another payment method.
07Honor with IDIf card-present: request ID verification; otherwise ask customer to contact issuer.
08Time-outRetry once after a short delay; if repeated, check connectivity/acquirer status.
10Unable to reverseEscalate to support with trace/reference; avoid repeated reversals.
11Partial approvalOnly relevant if your flow supports partial approvals (often prepaid); otherwise request another method.
12Invalid transactionCheck request consistency (type, lifecycle, capture/void rules); if persistent, escalate with logs.
13Invalid amountValidate amount format/currency decimals; check min/max constraints.
14Invalid card numberCustomer should re-enter card details; if repeated, use another card.
15Unknown issuerUse another card/payment method; escalate if routing issue suspected.
19Try again laterRetry once later; if repeated, ask customer to contact issuer.
30Format errorCheck field formats (PAN/expiry/CVV, currency, recurring flags); escalate if needed.
33Card expiredCustomer must use another card.
38PIN attempts exceededCardholder must contact issuer / reset PIN; do not retry.
39Transaction not allowedLikely product/merchant restriction; ask customer to contact issuer or use another method.
41Lost cardDo not retry; request another payment method.
43Stolen cardDo not retry; request another payment method.
51Insufficient fundsAsk customer to use another method or wait for funds; avoid repeated immediate retries.
54Expired cardCustomer must use another card.
55Incorrect PINCard-present only: customer must retry carefully or contact issuer after repeated failures.
57Transaction not permitted to cardholderIssuer restriction; ask customer to contact issuer or use another method.
58Transaction prohibited at terminalCheck merchant/terminal capabilities & configuration; may be MCC/terminal restriction.
59Suspected fraudDo not retry “blindly”; ask customer to contact issuer or use a different method; review fraud rules if frequent.
61Exceeds withdrawal/amount limitReduce amount or ask customer to contact issuer.
62Restricted cardIssuer restriction; customer should contact issuer.
65Frequency limit exceededWait and retry later; avoid repeated attempts in short timeframes.
68Response received too lateRetry once; check acquirer/network status if repeated.
75PIN attempts exceededSame as 38: cardholder must contact issuer.
82Invalid CVVCustomer should re-enter CVV; if repeated, use another card.
91Issuer/switch unavailableRetry later; if widespread, treat as incident (issuer/network outage).
94Duplicate requestAvoid immediate retries with same identifiers; ensure idempotency / unique reference.
95Contact acquirerEscalate to support/acquirer with transaction reference.
96System malfunctionRetry later; if repeated, escalate with traces/logs.

All response codes (exhaustive)

The following codes may be returned depending on the network, country, routing, or integration. This section is exhaustive compared to the previous version of this page, and includes both standard and non-standard variants.

CodeDescriptionRecommended action
00Transaction approved or successfully processedProceed with capture / fulfillment.
02Contact card issuerAsk the customer to contact their issuer; retry only if issuer confirms.
03Invalid acceptorCheck merchant/terminal configuration (MID/TID), acquirer routing, and credentials.
04Keep cardDo not retry; follow in-store procedure if applicable; request another payment method.
05Do not honorGeneric decline: avoid retry loops; ask customer to contact issuer or use another method.
06Transaction invalid for terminalCheck terminal capability / transaction type compatibility; verify integration parameters.
07Honor with IDIf card-present: request ID verification; otherwise ask customer to contact issuer.
08Time-OutRetry once after a short delay; if repeated, check network/acquirer connectivity.
09No originalFor reversals/adjustments: ensure you reference an existing original transaction; escalate if needed.
10Unable to reverseDo not repeat reversals blindly; escalate to support with transaction references.
11Partial approvalHandle partial approval if supported (often prepaid); otherwise request another method.
12Invalid transactionCheck transaction type/lifecycle (auth/capture/void/refund), parameters; escalate with logs if persistent.
13Invalid amountValidate amount format, currency decimals, and min/max constraints; retry after correction.
14Invalid cardholder numberCustomer should re-enter card details; if repeated, use another card.
15Unknown card issuerTry another card/payment method; if widespread, suspect routing/config issue and escalate.
17Invalid capture date (terminal business date)Check terminal business date / batch settings; retry after correction if applicable.
19Repeat transaction laterRetry once later; avoid multiple attempts in a short window; ask customer to contact issuer if repeated.
20No From AccountNot typical for purchase flows; verify transaction type and account fields; escalate if unexpected.
21No To AccountNot typical for purchase flows; verify transaction type and account fields; escalate if unexpected.
22Account not verifiedAsk customer to contact issuer; consider another payment method.
23Account not savedRetry later if applicable; otherwise use another method; escalate if recurring.
24No Credit AccountAsk customer to contact issuer; use another method.
25Unable to locate record in fileFor adjustments/reversals: verify original reference; escalate with trace/reference.
26Record duplicatedCheck idempotency and uniqueness of references; do not retry with same identifiers.
27‘Edit’ error in file update fieldCheck field formats and constraints; escalate with payload/logs.
28File access deniedConfiguration/permission issue: escalate to support/acquirer with context.
29File update not possibleEscalate with trace/reference; avoid repeating the same update operation.
30Format errorCheck request formatting (amount/currency, PAN/expiry, flags, message structure); escalate with logs.
31Identifier of acquiring organization unknownCheck acquirer routing and merchant configuration; escalate to support/acquirer.
32Transaction partially completedCheck final status via retrieval; avoid blind retry; escalate if inconsistent.
33Card validity date exceededCustomer must use another card.
34Implausible card dataCustomer should re-enter details; verify card data collection; use another card if repeated.
38Number of PIN attempts exceededDo not retry; customer must contact issuer / reset PIN.
39Transaction not allowedCheck transaction type and merchant capability; ask customer to contact issuer or use another method.
41Lost cardDo not retry; request another payment method.
42Special PickupDo not retry; request another method; in-store: follow procedure if applicable.
43Stolen cardDo not retry; request another payment method.
44Stolen cardDo not retry; request another payment method.
51Insufficient funds or overdraftAsk customer to use another method or wait for funds; avoid repeated immediate retries.
54Card expiredCustomer must use another card.
55Incorrect PINCard-present: retry carefully; if repeated, customer contacts issuer.
56Card not on fileVerify card details; customer should contact issuer or use another card.
57Transaction not authorized to this cardholderIssuer restriction; ask customer to contact issuer or use another method.
58Transaction prohibited at terminalCheck merchant/terminal capabilities and MCC/terminal restrictions; adjust configuration.
59Suspected fraudAvoid retry loops; customer contacts issuer or uses another method; review risk rules if frequent.
60The card acceptor must contact the buyerAsk customer to contact issuer / confirm details; avoid repeated attempts.
61Withdrawal amount over limitReduce amount or ask customer to contact issuer.
62Card use restrictedCustomer contacts issuer; use another method.
63MAC Key ErrorCryptographic/config issue: escalate to support/acquirer with trace and timestamps.
65Frequency limit exceededWait and retry later; avoid multiple attempts in short timeframe.
66Acquirer limit reachedEscalate to acquirer/support; retry only after confirmation.
67Card withheldDo not retry; request another method; in-store: follow procedure if applicable.
68Response not received or received too lateRetry once; if repeated, check acquirer/network status and escalate.
75Number of PIN attempts exceededSame as 38: do not retry; customer must contact issuer.
76Invalid AccountAsk customer to contact issuer; use another card/method.
77Issuer not participating in serviceUse another card or method; escalate if routing/regional issue suspected.
78Function not availableRemove/disable unsupported feature; verify transaction type and integration flags.
79Key validation errorCryptographic/config issue: escalate to support/acquirer with trace.
80Approved for purchase amount onlyIf you requested cash-back/extra: retry without it; otherwise proceed as approved.
81Unable to verify PINCard-present: retry; if repeated, customer contacts issuer or use another method.
82Invalid CVVRe-enter CVV; if repeated, use another card.
83Not refusedTreat as non-decline / ambiguous: verify final status via retrieval; escalate if inconsistent.
84Invalid transaction lifecycleCheck auth/capture/void/refund ordering and timing; fix integration logic.
85No key to useCryptographic/config issue: escalate to support/acquirer.
86KME synchronization errorCryptographic sync issue: escalate with logs, trace, timestamps.
87PIN errorCard-present: retry; if repeated, customer contacts issuer.
88MAC synchronization errorCryptographic sync issue: escalate with logs, trace, timestamps.
89Security violationStop retries; escalate to support/acquirer; review fraud/security configuration.
90Temporary system shutdownRetry later; if persistent, treat as incident and escalate.
91Card transmitter inaccessibleRetry later; if widespread, treat as issuer/network outage.
92Card issuer unknownUse another card; if repeated across cards, suspect routing/config and escalate.
93Transacation cannot be finalizedRetry later once; if persistent, escalate with trace/logs.
94Duplicate requestEnsure idempotency / unique references; do not resend the exact same request.
95Contact acquirerEscalate to support/acquirer with transaction reference and timestamps.
96System malfunctionRetry later; if repeated, escalate with traces/logs.
97No Funds TransferNot typical for purchase flows; verify transaction type; escalate if unexpected.
98Duplicate ReversalDo not repeat reversal; verify original reversal status; ensure idempotency.
99Duplicate TransactionCheck idempotency and client retries; ensure unique transaction identifiers.
N3Cash Service Not AvailableNot applicable to purchase flows; ignore unless supporting cash services.
N4Cash Back Request Exceeds Issuer LimitReduce cash-back amount or remove cash-back.
N7Declined for CVV2 failureRe-enter CVV; if repeated, use another card.
R0Stop Payment OrderDo not retry; customer must contact issuer.
R1Revocation of Authorisation OrderDo not retry; customer must contact issuer.
R3Revocation of all Authorisations OrderDo not retry; customer must contact issuer.
A0Withdrawal in contact modeNot applicable to e-commerce purchase flows; verify transaction type; remove cash/withdrawal feature if not supported.
A1VADS fallbackRouting/fallback case: verify gateway/acquirer configuration; escalate if frequent or unexpected.
000ApprovedProceed with capture / fulfillment.
001Approve with IDIf supported: apply ID verification; otherwise treat as approved.
002Partial approval (prepaid cards only)Handle partial approval if supported; otherwise request another method.
100RejectGeneric decline: avoid retry loops; ask customer to contact issuer or use another method.
101Card expired / invalid expiry dateCustomer must use another card.
106PIN attempts exceededDo not retry; customer must contact issuer.
107Please call issuerCustomer must contact issuer; retry only after confirmation.
109Invalid merchantCheck merchant configuration and routing; escalate to support/acquirer.
110Invalid amountValidate amount format/limits; retry after correction.
111Invalid account / Invalid MICR (traveler’s check)Ask customer to contact issuer; use another card/method.
115Requested function not supportedDisable unsupported feature/flag; verify transaction type.
117Invalid PINCard-present: retry carefully; if repeated, customer contacts issuer.
119Cardholder not registered / not authorizedCustomer must contact issuer; use another method.
122Invalid card security code (alias CID, 4DBC, 4CSC)Re-enter security code; if repeated, use another card.
125Invalid effective dateCheck date fields / terminal business date; escalate if applicable.
181Format errorCheck request formatting and fields; escalate with logs if persistent.
183Invalid currency codeVerify ISO currency code and acquirer configuration; correct and retry.
187Refuse – New card issuedCustomer must use another card; advise contacting issuer.
189Refuse – Merchant cancelled or closed / SECheck merchant status/configuration; escalate to support/acquirer.
200Refuse – Pick up cardDo not retry; request another method; in-store: follow procedure if applicable.
900Accepted – ATC synchronizationProceed but monitor; if repeated, escalate (potential chip/crypto sync issue).
909System malfunction (cryptographic error)Escalate to support/acquirer with trace, timestamps, and logs.
912Issuer not availableRetry later; if widespread, treat as issuer outage / incident.
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