Understanding Response Codes

When you process a payment, myPOS returns a response code that tells you what happened. These codes follow the ISO 8583 standard and help you know if a payment was successful or why it failed.

Response Code Categories

Response codes are grouped into four main types:

• Approved: The transaction was successful.
• Declined: The transaction was rejected.
• Call Issuer: The customer should contact their bank.
• Capture/Retry: Special handling is needed.

Common Response Codes

Here are the codes you’ll see most often:

Successful Transactions

Code	Typical Meaning	Type	What to Do
00	Approved or completed successfully	Approved	Complete the order
08	Honor with ID	Approved	Complete the order (ID checked)
10	Partial Approval	Approved	Complete with the approved amount
85	Not declined (for zero-amount transactions)	Approved	Accept the transaction

Declined Transactions

Code	Typical Meaning	Type	What to Do
05	Do not honor	Declined	Transaction declined by the bank
51	Insufficient funds or over credit limit	Declined	Ask the customer to use a different card
54	Expired card	Declined	Ask the customer to use a valid card
55	Invalid PIN	Declined	Customer entered the wrong PIN
12	Invalid transaction	Declined	Transaction cannot be processed
13	Invalid amount	Declined	Check the transaction amount
14	Invalid card number	Declined	Customer entered the wrong card number
57	Transaction not permitted	Declined	Card not allowed for this type of transaction
61	Exceeds withdrawal limit	Declined	Amount is too high for this card
62	Restricted card	Declined	Card has restrictions
63	Security violation	Declined	Security check failed
65	Exceeds withdrawal count	Declined	Too many transactions today
75	Too many PIN attempts	Declined	Customer is locked out
81	Transaction not allowed	Declined	Card not valid in this region

Contact Bank

Code	Typical Meaning	Type	What to Do
01	Refer to card issuer	Call Issuer	Ask the customer to call their bank
70	Contact card issuer	Call Issuer	Ask the customer to call their bank

Special Cases

Code	Typical Meaning	Type	What to Do
41	Lost card	Special	Card reported lost — do not process
43	Stolen card	Special	Card reported stolen — do not process
91	System temporarily unavailable	Special	Try again later
94	Duplicate transaction detected	Special	Check if already processed
96	System error	Special	Contact support if this keeps happening

Technical Errors

Code	Typical Meaning	Type	What to Do
03	Invalid merchant	Technical	Check your merchant setup
15	Invalid issuer	Technical	Card issuer not recognized
30	Format error	Technical	Check your request parameters
76	Invalid "To Account"	Technical	Check account details
77	Invalid "From Account"	Technical	Check account details
78	Invalid account	Technical	Check account details
84	Invalid authorization lifecycle	Technical	Authorization expired or invalid
86	PIN validation not possible	Technical	Cannot verify PIN
87	No cashback allowed	Technical	Only purchase amount is allowed
88	Cryptographic failure	Technical	Security verification failed
89	Unacceptable PIN	Technical	PIN format is incorrect
92	Unable to route	Technical	Cannot process transaction