| 01 | Declined by Issuer (01) | Refer to card issuer. |
| 02 | Declined by Issuer (02) | Refer to card issuer, special condition. |
| 04 | Hold the card (04) | Retain the card if possible and contact customer support for further instructions. |
| 05 | Declined by Issuer (05) | No reason provided. |
| 07 | Hold the card (07) | Retain the card if possible and contact customer support for further instructions. Special condition other than lost/stolen card. |
| 10 | Partial approval (10) | The transaction is partially approved. |
| 11 | V.I.P approval (11) | The transaction is approved for a special customer. |
| 12 | Invalid transaction (12) | A parameter of the transaction is not correct. |
| 13 | Invalid amount (13) | The transaction amount is incorrect. Maybe a result of currency conversion or the amount exceeds the maximum for the card program. |
| 14 | Invalid card number (14) | The card number does not exist. |
| 15 | Invalid issuer (15) | The issuer does not exist. |
| 19 | Repeat transaction (19) | Re-enter the transaction. |
| 41 | Lost card (41) | Retain the card if possible and contact customer support for further instructions. |
| 43 | Stolen card (43) | Retain the card if possible and contact customer support for further instructions. |
| 51 | Insufficient funds (51) | The client must contact his/her bank. |
| 54 | Expired card (54) | Check the Expiry date, embossed on the card: - If the date is in the future, retry the transaction.
- If the embossed date on the card is in the past, return the card to the cardholder, and advise them to contact their card issuer for renewal.
|
| 55 | Incorrect PIN (55) | |
| 57 | Transaction not permitted by Issuer (57) | The client must contact his/her bank. |
| 58 | Transaction not permitted on terminal (58) | Check the terminal forbidden operations at account or contact Customer Support. |
| 59 | Suspected fraud (59) | The card might be fake or stolen. |
| 61 | Exceeds withdrawal limit (61) | The client must contact his/her bank. |
| 62 | Restricted card (62) | The client must contact his/her bank. |
| 63 | Security violation (63) | |
| 65 | Exceeds withdrawal frequency (65) | The client must contact his/her bank. |
| 75 | PIN tries exceeded (75) | The cardholder has entered his/her PIN number incorrectly too many times. Refer the cardholder to contact his/her bank, and request another form of payment. |
| 76 | Unable to locate previous message (76) | There is no match on the retrieval of the Reference number. |
| 77 | Wrong previous message (77) | The retrieval of the previous message is located but its data is inconsistent with the original message. |
| 78 | Block first used (78) | The transaction is from a new cardholder and the card is not activated or unblocked. |
| 80 | VISA unavailable (80) | VISA transactions with Private labels or cheques are unavailable cause of invalid date. |
| 81 | PIN cryptographic error (81) | Error found by VIC security module during PIN decryption. |
| 82 | Negative CVV results (82) | Negative CAM, dCVV, iCVV or CVV results. |
| 83 | Unable to verify PIN (83) | The PIN of the card could not be verified. |
| 91 | Issuer unavailable (91) | The card Issuer is temporarily unavailable. |
| 92 | Wrong destination (92) | Destination can not be found for routing. |
| 93 | Law violation (93) | Transaction can not be completed due to law violations. |
| 96 | System malfunction (96) | The system has malfunctioned or there are error conditions in certain fields. |
| AF | Transaction is declined (AF) | Transaction declined / authentication error |
| TR | Transaction is declined (TR) | Transaction declined / the transaction is approved by the Issuer, but the terminal denied the transaction |
| TR | Transaction is declined (TR-02) | Transaction declined / error when performing EMV command. Probably the card was removed. |
| TR | Transaction is declined (TR-11) | Transaction declined / the transaction is approved by the Issuer, but the card denied the transaction. |
| CC | Transaction is declined (CC) | Transaction declined / customer cancelation |
| EE | Transaction is declined (EE) | Transaction declined / encryption error |
| __ | Transaction is declined (any other response code) | General message for all other response codes. |
