Mastercard And Visa Raw Responses
These are the most common raw responses from Visa and Mastercard for refused or cancelled transactions. The response code returns with or without a leading zero.
Type
Raw Response
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.
Refused
05: Do not honor
This is a generic refusal that has several possible causes. The shopper should contact their issuing bank for clarification.
Refused
06: Error
Payment could not be authorised and resulted in an error. The shopper can try again or use another payment method.
Refused
07: Pickup card, special condition
The card issuer requests to retain the card. This can be due to a suspected counterfeit or stolen card.
Cancelled
10: Partial approval
The transaction was cancelled. Some card issuers support partial-approval authorisation. This approves a part of the requested transaction, leaving the remainder to be paid with another form of tender.
Refused
12: Invalid transaction
The card issuer does not allow this type of transaction on this card/account. For example, the card is a fleet card for which this type of transaction is not permitted.
Refused
13: Invalid amount
The card issuer has declined the transaction because of an invalid format or field. This response usually occurs with Cirrus or Maestro Debit and Prepaid Cards or cards that are not allowed to do online purchases. The shopper should retry or use another payment method.
Refused
14: Invalid card number
The card issuer is unable to validate the card/account number.
Refused
15: Invalid issuer
The card number is not within a card number range supported by the scheme.
Refused
1A: Additional customer authentication required
Applies for Visa. Authentication is required for the transaction. If the transaction is in scope of PSD2 and did not go through a 3D Secure transaction, retry with 3D Secure.
Refused
30: Format error
The card issuer does not recognize the transaction details being entered. This is due to a format error. The shopper should check the transaction information and retry.
Refused
41: Lost card
The card was reported as lost. Validate the shopper's authenticity and refer them to their bank.
Refused
43: Stolen card
The card was reported as stolen. Validate the shopper's authenticity and refer them to their bank.
Refused
51: Insufficient funds/over credit limit / Not sufficient funds
Insufficient funds in the cardholder's account. The shopper can try again after adding funds to their bank account, or use another payment method.
Refused
54: Expired card
The card expiration date is in the past. The shopper should correct the date or use another payment method.
Refused
55: Invalid PIN
The shopper has entered an incorrect PIN. The shopper should re-enter their PIN or use another payment method.
Refused
57: Transaction not permitted to issuer/cardholder
The card issuer does not permit the transaction on this card/account. The shopper can use another payment method. For activation or loading of prepaid cards, the Merchant, acquirer BIN, and issuer BIN are not all domestic. An issuer's processing center is not certified to receive transaction-specific data in TLV format (field 104 in request message).
Refused
58: Transaction not permitted to acquirer/terminal
Card issuer does not permit the transaction on this card/account. Shopper can use another payment method or contact their bank.
Refused
59: Suspected fraud
The card issuer suspects this payment to be fraudulent and therefore refuses.
Refused
61: Exceeds withdrawal amount limit(s) / Withdrawal amount limit exceeded
The shopper has exceeded their card limit. The shopper can try again after resolving the issue with their bank, or use another payment method.
Refused
62: Restricted card
The card issuer has restricted where the card can be used. For example, because of embargoes.
Refused
63: Security violation
The card issuer indicated a security issue with this card. The shopper can use another payment method. Alternatively, the shopper can try again after they resolved the issue with their bank.
Refused
65: Exceeds withdrawal count limit / Withdrawal count limit exceeded
The shopper has exceeded their card usage frequency limit. The shopper can use another payment method or try again with the same card after the shopper took care of the card limit issue.
Refused
65: Authentication required
Applies for Mastercard. Authentication is required for the transaction. If the transaction is in scope of PSD2 and did not go through a 3D Secure transaction, retry with 3D Secure.
Refused
70: Contact Card Issuer
The card issuer indicated an issue with this card and requests contact from the shopper. The shopper can use another payment method. Alternatively the shopper can try again after they resolved the issue with their bank.
Refused
75: Allowable number of PIN tries exceeded
The shopper has entered an incorrect PIN more times than is allowed by the issuing bank. The shopper should retry or use another payment method.
Refused
78: Invalid/nonexistent account specified (general)
The transaction is from a new cardholder, and the card has not been properly unblocked.
Refused
80: Credit issuer unavailable
The issuing bank cannot be contacted. The shopper should retry or use another payment method.
Refused
91: Authorization Platform or issuer system inoperative / Issuer not available
The issuing bank cannot be contacted. The shopper should retry or use another payment method.
Error
91: Issuer unavailable or switch inoperative
The issuer or issuer processor cannot authorize, for example because of downtime.
Refused
92: Destination cannot be found for routing / Unable to route transaction
The shopper is using a test card number on live. The shopper should use another payment method.
Refused
93: Transaction cannot be completed; violation of law
The issuing bank will not allow this transaction. The shopper should use another payment method.
Refused
96: System malfunction
The issuing bank cannot be contacted. The shopper should retry or use another payment method.
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