{"id":16995,"date":"2024-03-19T16:53:52","date_gmt":"2024-03-19T15:53:52","guid":{"rendered":"https:\/\/docs.centralpay.com\/documentation\/developers\/resources-by-type\/codes\/bank-return-codes\/"},"modified":"2024-03-19T16:53:52","modified_gmt":"2024-03-19T15:53:52","slug":"bank-return-codes","status":"publish","type":"docs","link":"https:\/\/docs.centralpay.com\/en\/documentation\/developers\/resources-by-type\/codes\/bank-return-codes\/","title":{"rendered":"Card authorization – Bank return codes"},"content":{"rendered":"\n

Issuer response codes<\/strong> returned to CentralPay after a card authorization request.<\/p>\n\n\n\n

These values generally correspond to the ISO 8583 \u201cResponse code\u201d (DE39)<\/strong> returned by card networks\/issuers. Depending on the scheme, country, and routing, you may also receive network-specific<\/strong> or gateway-specific<\/strong> variants (for example alphanumeric or 3-digit codes).<\/p>\n\n\n\n

Important:<\/strong> 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).<\/p>\n\n\n\n

Most common response codes<\/h3>\n\n\n\n
Code<\/th>Description<\/th>Recommended action<\/th><\/tr><\/thead>
00<\/strong><\/td>Approved<\/strong><\/td>Proceed with capture \/ fulfillment.<\/td><\/tr>
02<\/td>Contact card issuer<\/td>Ask customer to contact their bank; retry only if customer confirms.<\/td><\/tr>
03<\/td>Invalid acceptor<\/td>Check merchant\/terminal configuration (MID\/TID, acquirer routing).<\/td><\/tr>
04<\/td>Pick up \/ retain card<\/td>Do not retry; follow your in-store procedure (if applicable).<\/td><\/tr>
05<\/strong><\/td>Do not honor<\/strong><\/td>Generic decline: do not \u201cloop\u201d retries; ask customer to contact issuer or use another payment method.<\/td><\/tr>
07<\/td>Honor with ID<\/td>If card-present: request ID verification; otherwise ask customer to contact issuer.<\/td><\/tr>
08<\/td>Time-out<\/td>Retry once after a short delay; if repeated, check connectivity\/acquirer status.<\/td><\/tr>
10<\/td>Unable to reverse<\/td>Escalate to support with trace\/reference; avoid repeated reversals.<\/td><\/tr>
11<\/td>Partial approval<\/td>Only relevant if your flow supports partial approvals (often prepaid); otherwise request another method.<\/td><\/tr>
12<\/strong><\/td>Invalid transaction<\/strong><\/td>Check request consistency (type, lifecycle, capture\/void rules); if persistent, escalate with logs.<\/td><\/tr>
13<\/td>Invalid amount<\/td>Validate amount format\/currency decimals; check min\/max constraints.<\/td><\/tr>
14<\/td>Invalid card number<\/td>Customer should re-enter card details; if repeated, use another card.<\/td><\/tr>
15<\/td>Unknown issuer<\/td>Use another card\/payment method; escalate if routing issue suspected.<\/td><\/tr>
19<\/td>Try again later<\/td>Retry once later; if repeated, ask customer to contact issuer.<\/td><\/tr>
30<\/td>Format error<\/td>Check field formats (PAN\/expiry\/CVV, currency, recurring flags); escalate if needed.<\/td><\/tr>
33<\/td>Card expired<\/td>Customer must use another card.<\/td><\/tr>
38<\/td>PIN attempts exceeded<\/td>Cardholder must contact issuer \/ reset PIN; do not retry.<\/td><\/tr>
39<\/td>Transaction not allowed<\/td>Likely product\/merchant restriction; ask customer to contact issuer or use another method.<\/td><\/tr>
41<\/strong><\/td>Lost card<\/strong><\/td>Do not retry; request another payment method.<\/td><\/tr>
43<\/td>Stolen card<\/td>Do not retry; request another payment method.<\/td><\/tr>
51<\/strong><\/td>Insufficient funds<\/strong><\/td>Ask customer to use another method or wait for funds; avoid repeated immediate retries.<\/td><\/tr>
54<\/td>Expired card<\/td>Customer must use another card.<\/td><\/tr>
55<\/td>Incorrect PIN<\/td>Card-present only: customer must retry carefully or contact issuer after repeated failures.<\/td><\/tr>
57<\/td>Transaction not permitted to cardholder<\/td>Issuer restriction; ask customer to contact issuer or use another method.<\/td><\/tr>
58<\/td>Transaction prohibited at terminal<\/td>Check merchant\/terminal capabilities & configuration; may be MCC\/terminal restriction.<\/td><\/tr>
59<\/strong><\/td>Suspected fraud<\/strong><\/td>Do not retry \u201cblindly\u201d; ask customer to contact issuer or use a different method; review fraud rules if frequent.<\/td><\/tr>
61<\/td>Exceeds withdrawal\/amount limit<\/td>Reduce amount or ask customer to contact issuer.<\/td><\/tr>
62<\/td>Restricted card<\/td>Issuer restriction; customer should contact issuer.<\/td><\/tr>
65<\/td>Frequency limit exceeded<\/td>Wait and retry later; avoid repeated attempts in short timeframes.<\/td><\/tr>
68<\/td>Response received too late<\/td>Retry once; check acquirer\/network status if repeated.<\/td><\/tr>
75<\/td>PIN attempts exceeded<\/td>Same as 38: cardholder must contact issuer.<\/td><\/tr>
82<\/td>Invalid CVV<\/td>Customer should re-enter CVV; if repeated, use another card.<\/td><\/tr>
91<\/td>Issuer\/switch unavailable<\/td>Retry later; if widespread, treat as incident (issuer\/network outage).<\/td><\/tr>
94<\/td>Duplicate request<\/td>Avoid immediate retries with same identifiers; ensure idempotency \/ unique reference.<\/td><\/tr>
95<\/td>Contact acquirer<\/td>Escalate to support\/acquirer with transaction reference.<\/td><\/tr>
96<\/td>System malfunction<\/td>Retry later; if repeated, escalate with traces\/logs.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

All response codes (exhaustive)<\/h3>\n\n\n\n

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

Code<\/th>Description<\/th>Recommended action<\/th><\/tr><\/thead>
00<\/td>Transaction approved or successfully processed<\/td>Proceed with capture \/ fulfillment.<\/td><\/tr>
02<\/td>Contact card issuer<\/td>Ask the customer to contact their issuer; retry only if issuer confirms.<\/td><\/tr>
03<\/td>Invalid acceptor<\/td>Check merchant\/terminal configuration (MID\/TID), acquirer routing, and credentials.<\/td><\/tr>
04<\/td>Keep card<\/td>Do not retry; follow in-store procedure if applicable; request another payment method.<\/td><\/tr>
05<\/td>Do not honor<\/td>Generic decline: avoid retry loops; ask customer to contact issuer or use another method.<\/td><\/tr>
06<\/td>Transaction invalid for terminal<\/td>Check terminal capability \/ transaction type compatibility; verify integration parameters.<\/td><\/tr>
07<\/td>Honor with ID<\/td>If card-present: request ID verification; otherwise ask customer to contact issuer.<\/td><\/tr>
08<\/td>Time-Out<\/td>Retry once after a short delay; if repeated, check network\/acquirer connectivity.<\/td><\/tr>
09<\/td>No original<\/td>For reversals\/adjustments: ensure you reference an existing original transaction; escalate if needed.<\/td><\/tr>
10<\/td>Unable to reverse<\/td>Do not repeat reversals blindly; escalate to support with transaction references.<\/td><\/tr>
11<\/td>Partial approval<\/td>Handle partial approval if supported (often prepaid); otherwise request another method.<\/td><\/tr>
12<\/td>Invalid transaction<\/td>Check transaction type\/lifecycle (auth\/capture\/void\/refund), parameters; escalate with logs if persistent.<\/td><\/tr>
13<\/td>Invalid amount<\/td>Validate amount format, currency decimals, and min\/max constraints; retry after correction.<\/td><\/tr>
14<\/td>Invalid cardholder number<\/td>Customer should re-enter card details; if repeated, use another card.<\/td><\/tr>
15<\/td>Unknown card issuer<\/td>Try another card\/payment method; if widespread, suspect routing\/config issue and escalate.<\/td><\/tr>
17<\/td>Invalid capture date (terminal business date)<\/td>Check terminal business date \/ batch settings; retry after correction if applicable.<\/td><\/tr>
19<\/td>Repeat transaction later<\/td>Retry once later; avoid multiple attempts in a short window; ask customer to contact issuer if repeated.<\/td><\/tr>
20<\/td>No From Account<\/td>Not typical for purchase flows; verify transaction type and account fields; escalate if unexpected.<\/td><\/tr>
21<\/td>No To Account<\/td>Not typical for purchase flows; verify transaction type and account fields; escalate if unexpected.<\/td><\/tr>
22<\/td>Account not verified<\/td>Ask customer to contact issuer; consider another payment method.<\/td><\/tr>
23<\/td>Account not saved<\/td>Retry later if applicable; otherwise use another method; escalate if recurring.<\/td><\/tr>
24<\/td>No Credit Account<\/td>Ask customer to contact issuer; use another method.<\/td><\/tr>
25<\/td>Unable to locate record in file<\/td>For adjustments\/reversals: verify original reference; escalate with trace\/reference.<\/td><\/tr>
26<\/td>Record duplicated<\/td>Check idempotency and uniqueness of references; do not retry with same identifiers.<\/td><\/tr>
27<\/td>‘Edit’ error in file update field<\/td>Check field formats and constraints; escalate with payload\/logs.<\/td><\/tr>
28<\/td>File access denied<\/td>Configuration\/permission issue: escalate to support\/acquirer with context.<\/td><\/tr>
29<\/td>File update not possible<\/td>Escalate with trace\/reference; avoid repeating the same update operation.<\/td><\/tr>
30<\/td>Format error<\/td>Check request formatting (amount\/currency, PAN\/expiry, flags, message structure); escalate with logs.<\/td><\/tr>
31<\/td>Identifier of acquiring organization unknown<\/td>Check acquirer routing and merchant configuration; escalate to support\/acquirer.<\/td><\/tr>
32<\/td>Transaction partially completed<\/td>Check final status via retrieval; avoid blind retry; escalate if inconsistent.<\/td><\/tr>
33<\/td>Card validity date exceeded<\/td>Customer must use another card.<\/td><\/tr>
34<\/td>Implausible card data<\/td>Customer should re-enter details; verify card data collection; use another card if repeated.<\/td><\/tr>
38<\/td>Number of PIN attempts exceeded<\/td>Do not retry; customer must contact issuer \/ reset PIN.<\/td><\/tr>
39<\/td>Transaction not allowed<\/td>Check transaction type and merchant capability; ask customer to contact issuer or use another method.<\/td><\/tr>
41<\/td>Lost card<\/td>Do not retry; request another payment method.<\/td><\/tr>
42<\/td>Special Pickup<\/td>Do not retry; request another method; in-store: follow procedure if applicable.<\/td><\/tr>
43<\/td>Stolen card<\/td>Do not retry; request another payment method.<\/td><\/tr>
44<\/td>Stolen card<\/td>Do not retry; request another payment method.<\/td><\/tr>
51<\/td>Insufficient funds or overdraft<\/td>Ask customer to use another method or wait for funds; avoid repeated immediate retries.<\/td><\/tr>
54<\/td>Card expired<\/td>Customer must use another card.<\/td><\/tr>
55<\/td>Incorrect PIN<\/td>Card-present: retry carefully; if repeated, customer contacts issuer.<\/td><\/tr>
56<\/td>Card not on file<\/td>Verify card details; customer should contact issuer or use another card.<\/td><\/tr>
57<\/td>Transaction not authorized to this cardholder<\/td>Issuer restriction; ask customer to contact issuer or use another method.<\/td><\/tr>
58<\/td>Transaction prohibited at terminal<\/td>Check merchant\/terminal capabilities and MCC\/terminal restrictions; adjust configuration.<\/td><\/tr>
59<\/td>Suspected fraud<\/td>Avoid retry loops; customer contacts issuer or uses another method; review risk rules if frequent.<\/td><\/tr>
60<\/td>The card acceptor must contact the buyer<\/td>Ask customer to contact issuer \/ confirm details; avoid repeated attempts.<\/td><\/tr>
61<\/td>Withdrawal amount over limit<\/td>Reduce amount or ask customer to contact issuer.<\/td><\/tr>
62<\/td>Card use restricted<\/td>Customer contacts issuer; use another method.<\/td><\/tr>
63<\/td>MAC Key Error<\/td>Cryptographic\/config issue: escalate to support\/acquirer with trace and timestamps.<\/td><\/tr>
65<\/td>Frequency limit exceeded<\/td>Wait and retry later; avoid multiple attempts in short timeframe.<\/td><\/tr>
66<\/td>Acquirer limit reached<\/td>Escalate to acquirer\/support; retry only after confirmation.<\/td><\/tr>
67<\/td>Card withheld<\/td>Do not retry; request another method; in-store: follow procedure if applicable.<\/td><\/tr>
68<\/td>Response not received or received too late<\/td>Retry once; if repeated, check acquirer\/network status and escalate.<\/td><\/tr>
75<\/td>Number of PIN attempts exceeded<\/td>Same as 38: do not retry; customer must contact issuer.<\/td><\/tr>
76<\/td>Invalid Account<\/td>Ask customer to contact issuer; use another card\/method.<\/td><\/tr>
77<\/td>Issuer not participating in service<\/td>Use another card or method; escalate if routing\/regional issue suspected.<\/td><\/tr>
78<\/td>Function not available<\/td>Remove\/disable unsupported feature; verify transaction type and integration flags.<\/td><\/tr>
79<\/td>Key validation error<\/td>Cryptographic\/config issue: escalate to support\/acquirer with trace.<\/td><\/tr>
80<\/td>Approved for purchase amount only<\/td>If you requested cash-back\/extra: retry without it; otherwise proceed as approved.<\/td><\/tr>
81<\/td>Unable to verify PIN<\/td>Card-present: retry; if repeated, customer contacts issuer or use another method.<\/td><\/tr>
82<\/td>Invalid CVV<\/td>Re-enter CVV; if repeated, use another card.<\/td><\/tr>
83<\/td>Not refused<\/td>Treat as non-decline \/ ambiguous: verify final status via retrieval; escalate if inconsistent.<\/td><\/tr>
84<\/td>Invalid transaction lifecycle<\/td>Check auth\/capture\/void\/refund ordering and timing; fix integration logic.<\/td><\/tr>
85<\/td>No key to use<\/td>Cryptographic\/config issue: escalate to support\/acquirer.<\/td><\/tr>
86<\/td>KME synchronization error<\/td>Cryptographic sync issue: escalate with logs, trace, timestamps.<\/td><\/tr>
87<\/td>PIN error<\/td>Card-present: retry; if repeated, customer contacts issuer.<\/td><\/tr>
88<\/td>MAC synchronization error<\/td>Cryptographic sync issue: escalate with logs, trace, timestamps.<\/td><\/tr>
89<\/td>Security violation<\/td>Stop retries; escalate to support\/acquirer; review fraud\/security configuration.<\/td><\/tr>
90<\/td>Temporary system shutdown<\/td>Retry later; if persistent, treat as incident and escalate.<\/td><\/tr>
91<\/td>Card transmitter inaccessible<\/td>Retry later; if widespread, treat as issuer\/network outage.<\/td><\/tr>
92<\/td>Card issuer unknown<\/td>Use another card; if repeated across cards, suspect routing\/config and escalate.<\/td><\/tr>
93<\/td>Transacation cannot be finalized<\/td>Retry later once; if persistent, escalate with trace\/logs.<\/td><\/tr>
94<\/td>Duplicate request<\/td>Ensure idempotency \/ unique references; do not resend the exact same request.<\/td><\/tr>
95<\/td>Contact acquirer<\/td>Escalate to support\/acquirer with transaction reference and timestamps.<\/td><\/tr>
96<\/td>System malfunction<\/td>Retry later; if repeated, escalate with traces\/logs.<\/td><\/tr>
97<\/td>No Funds Transfer<\/td>Not typical for purchase flows; verify transaction type; escalate if unexpected.<\/td><\/tr>
98<\/td>Duplicate Reversal<\/td>Do not repeat reversal; verify original reversal status; ensure idempotency.<\/td><\/tr>
99<\/td>Duplicate Transaction<\/td>Check idempotency and client retries; ensure unique transaction identifiers.<\/td><\/tr>
N3<\/td>Cash Service Not Available<\/td>Not applicable to purchase flows; ignore unless supporting cash services.<\/td><\/tr>
N4<\/td>Cash Back Request Exceeds Issuer Limit<\/td>Reduce cash-back amount or remove cash-back.<\/td><\/tr>
N7<\/td>Declined for CVV2 failure<\/td>Re-enter CVV; if repeated, use another card.<\/td><\/tr>
R0<\/td>Stop Payment Order<\/td>Do not retry; customer must contact issuer.<\/td><\/tr>
R1<\/td>Revocation of Authorisation Order<\/td>Do not retry; customer must contact issuer.<\/td><\/tr>
R3<\/td>Revocation of all Authorisations Order<\/td>Do not retry; customer must contact issuer.<\/td><\/tr>
A0<\/td>Withdrawal in contact mode<\/td>Not applicable to e-commerce purchase flows; verify transaction type; remove cash\/withdrawal feature if not supported.<\/td><\/tr>
A1<\/td>VADS fallback<\/td>Routing\/fallback case: verify gateway\/acquirer configuration; escalate if frequent or unexpected.<\/td><\/tr>
000<\/td>Approved<\/td>Proceed with capture \/ fulfillment.<\/td><\/tr>
001<\/td>Approve with ID<\/td>If supported: apply ID verification; otherwise treat as approved.<\/td><\/tr>
002<\/td>Partial approval (prepaid cards only)<\/td>Handle partial approval if supported; otherwise request another method.<\/td><\/tr>
100<\/td>Reject<\/td>Generic decline: avoid retry loops; ask customer to contact issuer or use another method.<\/td><\/tr>
101<\/td>Card expired \/ invalid expiry date<\/td>Customer must use another card.<\/td><\/tr>
106<\/td>PIN attempts exceeded<\/td>Do not retry; customer must contact issuer.<\/td><\/tr>
107<\/td>Please call issuer<\/td>Customer must contact issuer; retry only after confirmation.<\/td><\/tr>
109<\/td>Invalid merchant<\/td>Check merchant configuration and routing; escalate to support\/acquirer.<\/td><\/tr>
110<\/td>Invalid amount<\/td>Validate amount format\/limits; retry after correction.<\/td><\/tr>
111<\/td>Invalid account \/ Invalid MICR (traveler’s check)<\/td>Ask customer to contact issuer; use another card\/method.<\/td><\/tr>
115<\/td>Requested function not supported<\/td>Disable unsupported feature\/flag; verify transaction type.<\/td><\/tr>
117<\/td>Invalid PIN<\/td>Card-present: retry carefully; if repeated, customer contacts issuer.<\/td><\/tr>
119<\/td>Cardholder not registered \/ not authorized<\/td>Customer must contact issuer; use another method.<\/td><\/tr>
122<\/td>Invalid card security code (alias CID, 4DBC, 4CSC)<\/td>Re-enter security code; if repeated, use another card.<\/td><\/tr>
125<\/td>Invalid effective date<\/td>Check date fields \/ terminal business date; escalate if applicable.<\/td><\/tr>
181<\/td>Format error<\/td>Check request formatting and fields; escalate with logs if persistent.<\/td><\/tr>
183<\/td>Invalid currency code<\/td>Verify ISO currency code and acquirer configuration; correct and retry.<\/td><\/tr>
187<\/td>Refuse – New card issued<\/td>Customer must use another card; advise contacting issuer.<\/td><\/tr>
189<\/td>Refuse – Merchant cancelled or closed \/ SE<\/td>Check merchant status\/configuration; escalate to support\/acquirer.<\/td><\/tr>
200<\/td>Refuse – Pick up card<\/td>Do not retry; request another method; in-store: follow procedure if applicable.<\/td><\/tr>
900<\/td>Accepted – ATC synchronization<\/td>Proceed but monitor; if repeated, escalate (potential chip\/crypto sync issue).<\/td><\/tr>
909<\/td>System malfunction (cryptographic error)<\/td>Escalate to support\/acquirer with trace, timestamps, and logs.<\/td><\/tr>
912<\/td>Issuer not available<\/td>Retry later; if widespread, treat as issuer outage \/ incident.<\/td><\/tr><\/tbody><\/table><\/figure>\n","protected":false},"excerpt":{"rendered":"

Issuer response codes returned to CentralPay after a card authorization request. These values generally correspond to the ISO 8583 \u201cResponse code\u201d (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 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":16993,"menu_order":2,"comment_status":"open","ping_status":"closed","template":"","doc_tag":[],"doc_badge":[],"class_list":["post-16995","docs","type-docs","status-publish","hentry","no-post-thumbnail"],"acf":[],"yoast_head":"\nCard authorization - Bank return codes - CentralPay Documentation<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/docs.centralpay.com\/en\/documentation\/developers\/resources-by-type\/codes\/bank-return-codes\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Card authorization - Bank return codes - CentralPay Documentation\" \/>\n<meta property=\"og:description\" content=\"Issuer response codes returned to CentralPay after a card authorization request. 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