> ## Documentation Index
> Fetch the complete documentation index at: https://doc.seerbit.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Raw Acquirer Responses

> Common raw card-scheme responses behind a declined transaction.

A successful API call (HTTP 200) does not mean the payment succeeded — the transaction can still be refused or cancelled by the card issuer. When that happens, `data.code` carries a failure code and `reason` explains why. Codes prefixed `SM_` map to the authorisation response returned by the issuer or card scheme, known as the **raw acquirer response**.

See [SeerBit status codes](/development-resources/responses/seerbit-status-code) for the full list, and [verify a payment](/online-payments/after-payments/verify-payment) for how to read a result before fulfilling an order.

## Mastercard and Visa Raw responses

These are the most common raw responses from Visa and Mastercard for refused or cancelled transactions. The response code is returned with or without a leading zero.

| Type | Raw Responses | Description |
| - | - | - |
| Cancelled | 00: Approved or completed successfully | The transaction was cancelled after being initially approved by the issuer. This can be due to various reasons, for example, if the shopper returns goods after purchase |
| Refused | 01: Refer to card issuer | The transaction was refused by the card issuer. The shopper should contact their bank for clarification. The shopper can try again after resolving the issue with their bank, or use another payment method |
| Refused | 03: Invalid merchant | The transaction was refused by the card issuer. The shopper should contact their bank for clarification. The shopper can try again after resolving the issue with their bank, or use another payment method |
| Refused | 04: Capture card / Pick-up | The card issuer requests to retain the card. This can be due to a suspected counterfeit or stolen card. This reason is used in an E-Commerce environment although it originates from a POS (Point Of Sale) environment |


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