​
Overview

This page provides a comprehensive list of response codes returned by the gateway, each indicating the status of a specific request. Use this guide to understand and handle each response scenario effectively.

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

​
Additional Resources

Frequently Asked Questions

Visit our FAQ section for answers to common questions about response codes and troubleshooting.

Contact Support

Need assistance? Reach out to our support team for help with response code issues.