Response Codes and Messages


Here we present a list of possible responses your integration may receive and that your solution needs to be able to interpretate.

Note that transactions can still be authorised even if the CVV and AVS responses are no match or failure. CVV and AVS responses are for indication to the merchant only, and usually do not influence the overall Authorisation result. This can vary per Card Holder Bank though (Issuing Bank).

CVV Results

  • M - CVV Match
  • N - CVV No Match
  • P - Not Processed
  • S - CVV should be on the card but the merchant indicates it is not.
  • U - User is unregistered
  • NOTE: transactions can still be authorised even if the CVV response is no match or failure. CVV responses are for indication to the merchant only, and usually do not influence the overall Authorisation result. This can vary per Card Holder Bank though (Issuing Bank).

AVS Results

  • A - Address matches, ZIP does not. The first five numerical characters contained in the address match those stored at the VIC or issuer's center. However, the ZIP code does not match.
  • E - Ineligible transaction.
  • N - Neither address nor ZIP matches. Neither the first five numerical characters contained in the address match with those stored at the VIC nor issuer's center nor the ZIP code match.
  • R - Retry (system unavailable or timed out).
  • S - Card type not supported. The card type for this transaction is not supported by AVS. AVS can verify addresses for Visa cards, MasterCard, proprietary cards, and private label transactions.
  • U - Address information unavailable.
  • G - Address information unavailable, International - Visa only, The address information was not available at the VIC or issuer's center.
  • W - Nine-digit ZIP match, address does not. The nine-digit Postal ZIP code matches that stored at the VIC or card issuer's centre. However, the first five numerical characters contained in the address do not match.
  • X - Exact match (nine digit ZIP and address). Both the nine-digit Postal ZIP code as well as the first five numerical characters contained in the address match.
  • Y - Address and five-digit ZIP match. Both the five-digit Postal ZIP code as well as the first five numerical characters contained in the address match.
  • Z - Five-digit ZIP matches, address does not. The five-digit Postal ZIP code matches that stored at the VIC or card issuer's centre.

Auto Decline AVS failures setting will only approve transactions that have an AVS response of Y, U, G, X or Z.

  • NOTE: transactions can still be authorised even if the AVS response is no match or failure. AVS responses are for indication to the merchant only, and usually do not influence the overall Authorisation result. This can vary per Card Holder Bank though (Issuing Bank).

Bank Response Codes

Auth Message Code Definition
Exact Match 00 or 85 Exact match, nine-character numeric ZIP
Exact Match 00 or 85 Exact match, five-character numeric ZIP
Address Match 00 or 85 Address match only
Zip Match 00 or 85 Nine-character numeric ZIP match only
Zip Match 00 or 85 Five-character numeric ZIP match only
No Match 00 or 85 No address or ZIP match
Ver Unavailable 00 or 85 Address unavailable
Ver Unavailable 00 or 85 Non-U.S. Issuer does not participate
Retry 00 or 85 Issuer system unavailable
Error Ineligible 00 or 85 Not a mail/phone order
Serv Unavailable 00 or 85 Service not supported
Approval 00 Approved and completed
Card Ok 85 No reason to decline
Call 1 Refer to issuer
Call 2 Refer to issuer-Special condition
No Reply 28 File is temporarily unavailable
No Reply 91 Issuer or switch is unavailable
Hold-call or Pick Up Card 4 Pick up card (no fraud)
Hold-call or Pick Up Card 7 Pick up card, special condition (fraud account)
Hold-call or Pick Up Card 41 Lost card, pick up (fraud account)
Hold-call or Pick Up Card 43 Stolen card, pick up (fraud account)
Acct Length Error EA Verification error
Already Reversed 79 Already reversed at switch
Amount Error 13 Invalid amount
Can't Verify PIN 83 Cannot verify PIN
Can't Verify PIN 86 Cannot verify PIN
Card No. Error 14 Invalid card number
Cashback Not App 82 Cash back limit exceeded
Cashback Not Avail N3 Cash back service is not available
Check Digit Error EB Verification error
CID Format Error EC Verification error
Date Error 80 Invalid date
Decline 5 Do not honor
Decline 51 Insufficient funds
Decline N4 Exceeds issuer withdrawal limit
Decline 61 Exceeds withdrawal limit
Decline 62 Invalid service code, restricted
Decline 65 Activity limit exceeded
Decline 93 Violation, cannot complete
Encryption Error 81 Cryptographic error
Error XXXX 6 General error
(Check Service Custom Text) 6 Error response text from check service. Please see Note 1 below.
Expired Card 54 Expired card
Failure HV HV Hierarchy verification failure
Failure CV CV Card type verification error
Invalid Routing 92 Destination not found
Invalid Trans 12 Invalid Transaction
No Account 78 No account
No Action Taken 21 Unable to back out transaction
Unsolic Reversal 76 Unable to locate, no match
No Action Taken 77 Inconsistent data, rev., or repeat
No Check Account 52 No checking account
No Credit Acct 39 No credit account
No Save Acct 53 No savings account
No Such Issuer 15 No such issuer
PIN Exceeded 75 PIN tries exceeded
RE Enter 19 Re-enter transaction
Sec Violation 63 Security violation
Serv Not Allowed 57 Transaction not permitted-Card
Serv Not Allowed 58 Transaction not permitted-Terminal
Srchg Not Allowed B1 Surcharge amount not permitted on Visa cards or EBT food stamps
Srchg Not Allowed B2 Surcharge amount not supported by debit network issuer
Stop Recurring R0 Customer requested stop of specific recurring payment
Approval T0 First check is OK and has been converted
Cannot Convert T1 Check is OK but cannot be converted - declined transaction
Invalid ABA T2 Invalid ABA number, not an ACH participant
Amount Error T3 Amount greater than the limit
Unpaid Items T4 Unpaid items, failed negative file check
Duplicate Number T5 Duplicate check number
MICR Error T6 MICR error
Too Many Checks T7 Too many checks (over merchant or bank limit)

Note 1: When processing a check guarantee transaction, the service provider could return a customized text message when the response code is “06”.

Please contact the appropriate check guarantee service provider for a listing of possible custom text messages.

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