| -1 | DAS Gateway Error |
| 0 | Payment Successful |
| 1 | Refer to card issuer OR Referred Call Authorization Center |
| 2 | Refer to card issuer special condition |
| 3 | Invalid merchant OR Invalid merchant or service provider |
| 4 | Capture card OR Declined Retain Card |
| 5 | Do not honour OR Declined |
| 6 | Error |
| 7 | Failed Signature |
| 8 | Honour with ID OR Transaction approved with ID |
| 10 | Partial Approval |
| 12 | Invalid transaction |
| 13 | Invalid amount OR Invalid amount (currency conversion overflow) |
| 14 | Invalid card number OR Invalid account number (no such number) |
| 15 | Invalid issuer |
| 19 | Re-enter transaction |
| 20 | ERROR OR No action taken (unable to back out prior) |
| 25 | Unable to locate record in file or account |
| 28 | File is temporarily unavailable |
| 30 | Format error OR ERROR |
| 34 | FRAUD SUSPICION |
| 39 | No credit account |
| 41 | Lost card OR Pickup card (lost card) |
| 43 | Stolen card OR Pickup card (stolen card) |
| 51 | Insufficient funds OR Insufficient funds/over credit limit |
| 52 | No checking account |
| 53 | No savings account |
| 54 | Expired card OR Declined Expired Card |
| 55 | Invalid PIN OR ERROR |
| 57 | Transaction not permitted to issuer/cardholder |
| 58 | Transaction not permitted to acquirer/terminal |
| 59 | Suspected Fraud (Visa) |
| 61 | Exceeds withdrawal amount limit |
| 62 | Restricted card OR Restricted card (in Country Exclusion table) |
| 63 | Unable to authorize OR ERROR |
| 64 | Unable to authorize |
| 65 | Exceeds withdrawal count limit OR Authentication requested |
| 68 | Time out |
| 70 | Contact Card Issuer |
| 71 | PIN Not Changed |
| 75 | Allowable number of PIN tries exceeded |
| 76 | Invalid/nonexistent OR Invalid/nonexistent specified |
| 77 | Invalid/nonexistent OR Invalid/nonexistent specified |
| 78 | Invalid/nonexistent account specified (general) |
| 79 | Already reversed (Visa) OR Lifecycle reasons (Mastercard) |
| 80 | Visa transactions: credit issuer unavailable |
| 82 | Negative CAM dCVV iCVV or CVV results (Visa) OR Policy reasons (Mastercard) |
| 83 | STIP cannot approve (Visa) OR Fraud Security related reasons (Mastercard) |
| 84 | Invalid Authorization Life Cycle |
| 85 | Not declined. Valid for AVS only balance Inq OR No reason to decline a request |
| 86 | Cannot Verify PIN |
| 88 | Unable to authorize |
| 89 | Unacceptable PIN - Transaction Declined - Retry OR Ineligible to receive |
| 91 | Authorization System or issuer system inoperative |
| 92 | Unable to route transaction OR Destination cannot be found for routing |
| 93 | Transaction cannot be completed violation of law |
| 94 | Duplicate transmission detected |
| 96 | System error OR Unable to authorize |
| 98 | ERROR |
| 99 | ERROR |
| 397 | Surcharge amount not permitted on Visa |
| 398 | Surcharge not supported |
| 442 | Acquirer Institution Identification Code in the request message is not registered at CAFIS |
| 443 | CAFIS System Error. Try again |
| 444 | The acquirer system is busy. Try again |
| 445 | Acquirer system error. Try again |
| 446 | The acquirer system has closed. Try again |
| 447 | CAFIS System Error. Try again |
| 448 | Illegal encoding format. Try again |
| 449 | CAFIS System Error. Try again |
| 450 | CAFIS System Error. Try again |
| 451 | Advice message already received |
| 452 | CAFIS detected a timeout when it sent the message to the acquirer. Try again |
| 453 | CAFIS System Error. Try again |
| 454 | CAFIS System Error. Try again |
| 455 | CAFIS System Error. Try again |
| 456 | CAFIS System Error. Try again |
| 457 | CAFIS System Error. Try again |
| 458 | The acquirer does not support the service |
| 459 | CAFIS System Error. Try again |
| 460 | CAFIS System Error. Try again |
| 577 | The card is unusable |
| 578 | The transaction is pending |
| 579 | PIN is incorrect |
| 580 | Security Code is incorrect |
| 581 | Security Code is not set |
| 582 | JIS2 stripe information is invalid |
| 583 | The card is maxed out for the day. (insufficient funds) |
| 584 | The amount exceeds the limit for the day. (insufficient funds) |
| 586 | The card is invalid. (MOD 10 check failed) |
| 587 | The card is invalid (lost/stolen) |
| 588 | The card is invalid. (MOD 10 check failed) |
| 589 | Message element Primary Account Number value is invalid (MOD 10 check failed) |
| 590 | Message element Merchant Type value is invalid |
| 591 | Message element Transaction Amount value is invalid |
| 592 | Message element Tax and Postage value is invalid |
| 593 | Bonus Count value is invalid |
| 594 | Bonus Month value is invalid |
| 595 | Bonus Amount value is invalid |
| 596 | First Payment Month value is invalid |
| 597 | Instalment Count value is invalid |
| 598 | Instalment Amount value is invalid |
| 599 | First Payment Amount value is invalid |
| 600 | Message elements Service Code Business Code and Message Code value is invalid |
| 601 | Message element Payment Division value is invalid |
| 602 | Message element Inquiry Division value is invalid |
| 603 | Message element Cancel Division value is invalid |
| 604 | Message element Original Payment Division value is invalid |
| 605 | The card is expired |
| 606 | The card is not applicable to the service |
| 607 | The acquirer service is completed |
| 608 | The invalid card (lost/stolen) has an error |
| 609 | The request message cannot be processed for some reason |
| 610 | The request message for which a transaction is not supported is received |
| 611 | The request message from a centre which has not made the contact |
| 622 | Message element Service Code setting error |
| 623 | Message element Business Code setting error |
| 624 | Message element Message Code setting error |
| 625 | Message element Processor Code setting error |
| 626 | Message element Merchant Code setting error |
| 627 | Message element Transaction Identifier setting error |
| 628 | Message element Processor Transaction Date-Time setting error |
| 629 | Message element Card Acceptor Terminal Identification setting error |
| 630 | Message element Encryption Method Code setting error |
| 631 | Message element Key Encryption Key Index in Use setting error |
| 632 | Message element Processor Authentication Key Index setting error |
| 633 | Message element Message Encryption Key setting error |
| 634 | Message element Message Authentication Code setting error |
| 635 | Message element Acquirer Institution Identification Code setting error |
| 636 | Message element Primary Account Number setting error |
| 637 | Message element Expiration Date setting error |
| 638 | Message element Track-2 Data setting error |
| 639 | Message element PIN Data setting error |
| 640 | Message element Merchant Type setting error |
| 641 | Message element Transaction Amount setting error |
| 642 | Message element Tax and Postage setting error |
| 643 | Message element Point of Service Data Code setting error |
| 645 | Message element Cancel Division setting error |
| 646 | Message element Original Terminal Processing Serial Number setting error |
| 647 | Message element Original Payment Division setting error |
| 658 | Message element Original Processor Transaction Date-Time setting error |
| 659 | Message element Original Transaction Identifier setting error |
| 660 | Message element Free Field setting error |
| 661 | Message element Terminal Processing Serial Number setting error |
| 662 | Message element Security Code setting error |
| 663 | Message element Electronic Commerce Indicator setting error |
| 664 | Message element XID setting error |
| 665 | Message element Accountholder Authentication Value setting error |
| 666 | Message element Transaction Status setting error |
| 667 | Message element Message Version Number setting error |
| 668 | Message element CAVV Algorithm setting error |
| 669 | Message element Recurring Flag setting error |
| 670 | Element Block (e.g. General Transaction Info setting error) |
| 671 | Combination of message elements Service Code and Message Code setting is incorrect |
| 672 | Message element Processor Authentication Key Index setting error |
| 673 | There is more than one original transaction to reverse. Unable to reverse the transaction |
| 674 | Combination of message elements Processor Code and Merchant Code setting is incorrect |
| 675 | Global GEAR System Error. Try Again |
| 676 | Global GEAR System Error. Transaction result is unclear |
| 677 | Global GEAR System Error. Transaction result is unclear |
| 678 | Global GEAR System Error. Try Again |
| 679 | Global GEAR System Error. Transaction result is unclear |
| 680 | Global GEAR System Error. Transaction result is unclear |
| 681 | Global GEAR System Error. Try Again |
| 682 | Global GEAR System Error. Transaction result is unclear |
| 683 | Global GEAR System Error. Transaction result is unclear |
| 694 | Global GEAR System Error. Transaction result is unclear |
| 695 | Global GEAR System Error. Transaction result is unclear |
| 696 | Global GEAR System Error. Transaction result is unclear |
| 697 | Global GEAR System Error. Transaction result is unclear |
| 698 | Global GEAR System Error. Transaction result is unclear |
| 699 | Global GEAR System Error. Transaction result is unclear |
| 700 | Global GEAR System Error. Transaction result is unclear |
| 701 | Global GEAR System Error. Transaction result is unclear |
| 702 | Global GEAR System Error. Transaction result is unclear |
| 703 | Global GEAR System Error. Try Again |
| 704 | Global GEAR System Error. Transaction result is unclear |
| 705 | Global GEAR System Error. Try Again |
| 828 | Unable to authorize |
| 831 | Cash service not available |
| 832 | Cash back request exceeds issuer limit |
| 833 | Resubmitted transaction over max days limit |
| 835 | Decline CVV2 failure |
| 836 | Transaction amount greater than preauthorized |
| 902 | Invalid biller information |
| 905 | Unable to authorize |
| 906 | Unable to authorize |
| 937 | Card Authentication failed |
| 972 | Stop Payment Order |
| 973 | Revocation of Authorization Order |
| 975 | Revocation of All Authorizations Order |
| 1044 | Approval keep first check |
| 1045 | Check OK no conversion |
| 1046 | Invalid RTTN |
| 1047 | Amount greater than limit |
| 1048 | Unpaid items failed NEG |
| 1049 | Duplicate check number |
| 1050 | MICR error |
| 1051 | Too many checks |
| 1198 | Forward to issuer |
| 1201 | Forward to issuer |
| 1263 | Unable to authorize |
| 1295 | Unknown |
