Issuer response codes
Card transactions can sometimes be declined by the issuer, resulting in failed payment attempts. Airwallex as an acquirer will receive an issuer response code in authorization response from card networks, which can be helpful to understand why it failed. We have put together the below table with all raw issuer response codes, along with an explanation of the potential reason behind the decline and next steps to resolve the decline.
Please note that some of the response codes can be vague and issuing banks do not disclose any additional explanation or information on why a transaction is declined to Airwallex. Oftentimes, the true reason behind the decline can only be understood if the cardholder reaches out to the issuing bank.
| Response code | Code description | Card brands applicable | Explanation |
|---|---|---|---|
| 00 | Authorized successfully | All card brands | Transaction has been approved by issuer bank successfully |
| 01 | Contact card issuer | Visa, MasterCard & UnionPay | The transaction was declined by the card issuer. The cardholder should contact their issuer for clarification. The shopper can try again after resolving the issue with their issuer, or use another payment method. |
| 03 | Invalid merchant | Visa, MasterCard & UnionPay | The transaction was declined by the card issuer. The cardholder should contact their issuer for clarification. The cardholder can try again after resolving the issue with their issuer, or use another payment method. |
| 04 | Pick up card (no fraud) | Visa, MasterCard & UnionPay | Card issuer has requested to retain the card due to potential counterfeit or it being stolen card. This decline code is mostly used in card-present environments, but can sometimes be returned for card-not-present transactions as well |
| 05 | Do not honor | Visa, MasterCard & UnionPay | This is a generic decline code which can have several possible causes. The cardholder is recommended to get in touch with their issuer to understand the reason or try with a different payment method. |
| 06 | Error | Visa, MasterCard & UnionPay | Payment processing was not successful due to an error. The cardholder is recommended to get in touch with their issuer to understand the reason or try with a different payment method. |
| 07 | Pick up card, special condition (fraud account) | Visa | Payment has been declined as the card is suspected to be counterfeit or stolen |
| 10 | Partial approval | Visa, MasterCard & UnionPay | The card issuer indicated only partial approval of the transaction. Partial transaction success is not supported by Airwallex, hence the transaction has been canceled |
| 11 | Approved (V.I.P) | Visa & UnionPay | The card issuer indicated only partial approval of the transaction. Partial transaction success is not supported by Airwallex, hence the transaction has been canceled |
| 12 | Invalid transaction | Visa, MasterCard & UnionPay | The card issuer has a policy not to approve the specific transaction type on the card. For example, an international transaction is not allowed on a debit card. Shopper should get in touch with issuing bank to understand the reason or try with a different payment method |
| 13 | Invalid amount | Visa, MasterCard & UnionPay | The card issuer has declined the transaction due to format or an amount field error. 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 try with a different payment method. |
| 14 | Invalid card number | Visa, MasterCard & UnionPay | The card issuer is unable to find the card / account number. The shopper should check if the entered number is correct or get in touch with their issuer to resolve the problem or try with a different payment method |
| 15 | Invalid issuer | Visa, MasterCard & UnionPay | The card number does not belong to an Issuer based on the card range information. The shopper should try with a different payment method |
| 19 | Re-enter transaction | Visa | There was a temporary problem with processing, it is recommended to retry the transaction |
| 21 | No action taken | UnionPay | Applicable to UnionPay only. The card issuer has not activated the card or the card is currently dormant. The shopper should get in touch with their issuer to resolve the problem or try with a different payment method |
| 22 | Operation error | UnionPay | Applicable to UnionPay only. The card issuer couldn't process the transaction, it is possible that this transaction type is not allowed as per policy. The shopper should get in touch with their issuer to resolve the problem or try with a different payment method |
| 30 | Format error | MasterCard & UnionPay | The card issuer does not recognize the transaction details being entered. The shopper should check the transaction details for invalid characters and try again. |
| 34 | Fraudulent card | UnionPay | The card issuer has identified this transaction as fraudulent, the shopper should check with the issuer to understand the reason or try again with a different payment method. |
| 40 | Transaction that is not supported by the Issuer | UnionPay | Applicable to UnionPay only. The card issuer couldn't process the transaction as this transaction type is not allowed as per their policy. The shopper should get in touch with their issuer to resolve the problem or try with a different payment method |
| 41 | Lost card | Visa, MasterCard & UnionPay | The card was reported as lost, the shopper should be validated for authenticity and be referred to their issuer. |
| 43 | Stolen card | Visa, MasterCard & UnionPay | The card was reported as stolen, the shopper should be validated for authenticity and be referred to their issuer. |
| 46 | Closed account | Visa | The card issuer has closed the account, the shopper should verify if entered card details are correct and should not retry with the same card number. |
| 51 | Insufficient funds/over credit limit / Not sufficient funds | Visa, MasterCard & UnionPay | Insufficient funds in the cardholder's account. The shopper can try again after adding funds to their bank account, or use another payment method. |
| 52 | No checking account | Visa | There is no active checking account linked to card, the shopper should get in touch with the issuer to fix the problem or try with a different payment method |
| 53 | No saving account | Visa | There is no active savings account linked to card, the shopper should get in touch with the issuer to fix the problem or try with a different payment method |
| 54 | Expired card | Visa, MasterCard & UnionPay | The card expiration date is in the past. The shopper should correct the date or use another payment method. |
| 55 | Invalid PIN | Visa, MasterCard & UnionPay | The shopper has entered an incorrect PIN. The shopper should re-enter their PIN or use another payment method. |
| 57 | Transaction not permitted to issuer/cardholder | Visa, MasterCard & UnionPay | The card issuer has restricted this type of transaction on the card, Ex: Digital wallet top up using prepaid cards. The shopper should try with a different payment method |
| 59 | Suspected fraud | Visa & UnionPay | The card issuer has declined the transaction due to suspicion of fraud, the shopper should try with a different payment method. |
| 61 | Exceeds withdrawal amount limit | Visa, MasterCard & UnionPay | The shopper has exceeded their card limit. The shopper can try again after resolving the issue with their bank, or use another payment method. |
| 62 | Restricted card | Visa, MasterCard & UnionPay | The card issuer has restricted the card, this could be due to their risk policy or due to the cardholder being delinquent. The shopper should retry with a different payment method |
| 63 | Security violation | Visa & MasterCard | The card issuer indicated a security issue with this card, the shopper can try with another payment method. |
| 64 | AML requirement failure / Original transaction amount mismatch | Visa & UnionPay | Declined by Visa when the transaction fails to comply with Anti-money laundering requirements. |
| 65 | Exceeds withdrawal count limit / Additional customer authentication required | Visa | Visa only, the shopper has exceeded their card usage frequency limit. |
| 65 | Exceeds withdrawal count limit / Additional customer authentication required | MasterCard | MasterCard only, transaction has been soft-declined by the card issuer requesting additional authentication. |
| 6P | Customer ID verification failed | Visa | Identity verification has failed during completion of a Visa direct transaction, the shopper should validate their details and try again. This failure is not related to card details like CVV2/CVC2 |
| 70 | Contact Card Issuer | MasterCard | The transaction has been declined by the card issuer, they have requested the shopper to contact them. |
| 78 | Invalid/nonexistent account specified (general) | Visa & MasterCard | The card issuer has not completely activated & unblocked the new card, please reachout to your card issuer. |
| 79 | Life Cycle | MasterCard | The transaction is refused due to invalid card data, please see merchant advice code page for further explanation |
| 80 | Credit issuer unavailable | Visa | The issuing bank cannot be contacted. The shopper should try again or use another payment method. |
| 82 | Policy | MasterCard | The transaction is refused due to a policy reason, please see merchant advice code page for further explanation |
| 82 | Negative online CAM, dCVV, iCVV, CVV, or CAVV results or Offline PIN authentication interrupted | Visa | The cardholder verification method failed for CAM, dCVV, iCVV, CVV or a service code for card present transactions. |
| 83 | Fraud / Security violation | MasterCard | The transaction is declined by the card issuer for suspicion of fraud, please see merchant advice code page for further explanation |
| 85 | No reason to decline | Visa & MasterCard | Transaction is approved by the card issuer, this is generally applicable for zero amount transactions, account verifications and address verifications. |
| 90 | Decline due to daily cutoff being in progress | UnionPay | The card network has declined due to their daily cut-off being in progress, please retry the transaction with the same credentials. |
| 91 | Authorization Platform or issuer system inoperative / Issuer not available | Visa & UnionPay | The issuing bank cannot be contacted. The shopper should try again or use another payment method. |
| 91 | Issuer unavailable or switch inoperative | MasterCard | The issuer or issuer processor cannot authorize, for example because of downtime. |
| 92 | Destination cannot be found for routing / Unable to route transaction | Visa , MasterCard & UnionPay | The shopper may have entered an incorrect / test card number as there is no valid route found with entered card number, please verify card details and try again |
| 93 | Transaction cannot be completed; violation of law | Visa & MasterCard | The issuing bank will not allow this transaction. The shopper should use another payment method. |
| 96 | System malfunction | Visa , MasterCard & UnionPay | The issuing bank cannot be contacted. The shopper should try again or use another payment method. |
| 1A | Authentication Required | Visa | The transaction has been soft-declined by the card issuer requesting additional authentication. This generally happens when not using 3DS or applicable SCA exemption in EEA / UK region |
| R0 | Stop payment order | Visa | The cardholder requested to stop a specific, single recurring payment transaction. The shopper should be contacted regarding cancellation of this transaction. |
| R1 | Revocation of authorisation order | Visa | The cardholder requested to stop all recurring payment transactions related to this order. The shopper should be contacted regarding cancellation of this order. |
| R3 | Revocation of all authorisation orders | Visa | All recurring payments have been canceled for the card number. The shopper should be contacted regarding cancellation of all transactions. |
| N7 | Decline for CVV2 failure | Visa | The card issuer was unable to validate CVV2 or there was an error in validating it, the shopper should try with a different payment method |
| 000 | Approved | AMEX | Transaction has been approved by issuer bank successfully |
| 100 | Deny | AMEX | Transaction has been declined by the card issuer for policy reasons, the shopper should try again with a new payment method |
| 101 | Expired Card / Invalid Expiration Date | - | - |
| 109 | Invalid merchant | AMEX | Card network doesn't recognise the merchant with transaction details, this is to be checked by the acquirer or payment service provider. The merchant should ensure usage of correct MID if they are using AMEX conveyed model |
| 110 | Invalid amount | AMEX | The card issuer has declined the transaction due to format or an amount field error. The shopper should verify the transaction amount with merchant |
| 111 | Invalid account / Invalid MICR (Travelers Cheque) | AMEX | The card issuer is unable to find the card / account number. The shopper should get in touch with their issuer to resolve the problem or try with a different payment method |
| 115 | Requested function not supported | AMEX | The card issuer doesn't support the transaction type on the card, the shopper should try with a different payment method. |
| 116 | Not sufficient funds | AMEX | Insufficient funds in the cardholder's account. The shopper can try again after adding funds to their bank account, or use another payment method. |
| 119 | Cardmember not enrolled / not permitted | AMEX | The card issuer has declined the transaction as requested service is not enabled for the cardholder. Ex: 3DS authentication or address verification requests |
| 121 | Limit exceeded | AMEX | The shopper has exceeded their card usage frequency limit |
| 122 | Invalid card security code (a.k.a., CID, 4DBC, 4CSC) | AMEX | The shopper may have entered an incorrect security code, they should verify the security code. |
| 130 | Additional customer identification required | AMEX | The card issuer has soft declined the transaction requesting additional authentication. |
| 181 | Format error | AMEX | The card issuer declined due to format problems with transaction information, please verify the details submitted to avoid invalid details. |
| 183 | Invalid currency code | AMEX | The transaction currency is not supported by network, please change currency and try again |
| 187 | Deny - new card issued | AMEX | The card issuer has declined the transaction as the current card has been replaced. The Shopper should try with the new card number. |
| 189 | Deny - Canceled or Closed Merchant/SE | AMEX | The card network has closed the merchant identifier, the merchant should validate the merchant identifier used in transaction |
| 190 | National ID mismatch | AMEX | The card issuer has declined the transaction as identify verification of shopper has failed, please verify the details submitted |
| 200 | Deny - Pick up card | AMEX | The card issuer has declined the transactions as the card was reported stolen / lost. |
| 909 | System Malfunction (Cryptographic error) | AMEX | The transaction has been declined due to processing errors with security code or authentication data, the shopper should retry with a different payment method. |
| 912 | Issuer not available | AMEX | The card issuer is not available to authorize the transaction, the shopper should try again after some time or with a different payment method. |
| 977 | Invalid Payment Plan | AMEX | The card issuer has declined the recurring transaction for invalid frequency / amount, the shopper should verify the transaction details submitted |
| 978 | Invalid Payment Times | AMEX | The card issuer has declined the recurring transaction for invalid frequency / amount, the shopper should verify the transaction details submitted |
| 000.000.000 | Transaction succeeded | JCB | The transaction has been approved by issuer bank successfully |
| 800.100.100 | Transaction declined for unknown reason | JCB | The card issuer declined the transaction, the reason behind the decline is not known. The shopper should try with a different payment method |
| 800.100.150 | Transaction declined (refund on gambling tx not allowed) | JCB | The card issuer doesn't allow a refund to be processed on a gambling transaction, please use a different payment method to receive credit |
| 800.100.151 | Transaction declined (invalid card) | JCB | The card number provided in the transaction is not valid, the shopper should verify the transaction details |
| 800.100.152 | Transaction declined by authorization system | JCB | The transaction has been declined by the card network, the reason behind the decline is not known. The shopper should try with a different payment method |
| 800.100.153 | Transaction declined (invalid CVV) | JCB | The card issuer has declined the transaction due to incorrect CVV submitted, the shopper should verify the transaction details provided |
| 800.100.154 | Transaction declined (transaction marked as invalid) | JCB | The card issuer has declined the transaction as the transaction type is not allowed / supported on the card |
| 800.100.155 | Transaction declined (amount exceeds credit) | JCB | The card issuer has declined the transaction as it exceeds the available balance, the shopper should try with a different payment method |
| 800.100.156 | Transaction declined (format error) | JCB | The card issuer does not recognize the transaction details being entered. The shopper should check the transaction details for invalid characters and try again. |
| 800.100.157 | Transaction declined (wrong expiry date) | JCB | The card expiration date is in the past or the entered value is incorrect. The shopper should correct the date or use another payment method. |
| 800.100.158 | Transaction declined (suspecting manipulation) | JCB | The card issuer suspects fraudulent activity, the shopper should retry with a different payment method |
| 800.100.159 | Transaction declined (stolen card) | JCB | The card number used in the transaction is reported to be stolen with the card issuer, the shopper should reach out to the card issuer to resolve this. |
| 800.100.160 | Transaction declined (card blocked) | JCB | The card number used in the transaction is blocked by the card issuer, the shopper should reach out to the card issuer to resolve this. |
| 800.100.161 | Transaction declined (too many invalid tries) | JCB | The card issuer identified too many invalid attempts at payment processing and declined the transaction, the shopper should reach out to the card issuer to resolve this |
| 800.100.162 | Transaction declined (limit exceeded) | JCB | The shopper has exceeded their card limit. The shopper can try again after resolving the issue with their bank, or use another payment method. |
| 800.100.163 | Transaction declined (maximum transaction frequency exceeded) | JCB | The shopper has exceeded their card usage frequency limit. |
| 800.100.164 | Transaction declined (merchants limit exceeded) | JCB | The merchant has exceeded their processing limit |
| 800.100.165 | Transaction declined (card lost) | JCB | The card number used in the transaction is reported to be lost with the card issuer, the shopper should reach out to the card issuer to resolve this. |
| 800.100.168 | Transaction declined (restricted card) | JCB | The card issuer has restricted the card due to policy or delinquency problems, please retry with a different payment method |
| 800.100.169 | Transaction declined (card type is not processed by the authorization center) | JCB | The card type is not allowed for the transaction type. The shopper should try with a different payment method |
| 800.100.170 | Transaction declined (transaction not permitted) | JCB | Transaction type is not allowed on the card. Ex: E-commerce purchase on Debit cards. The shopper should try with a different payment method |
| 800.100.171 | Transaction declined (pick up card) | JCB | The card issuer declined the transaction as it was reported stolen |
| 800.100.172 | Transaction declined (account blocked) | JCB | The card issuer declined the transaction as the account is blocked |
| 800.100.173 | Transaction declined (invalid currency, not processed by authorization center) | JCB | The transaction currency is not supported by the network, the merchant should try with a different currency. |
| 800.100.174 | Transaction declined (invalid amount) | JCB | The card issuer has declined the transaction for format errors in the amount field, the shopper should verify the transaction details |
| 800.100.176 | Transaction declined (account temporarily not available. Please try again later) | JCB | The card issuer has identified problems with card account availability, the shopper should try again later |
| 800.100.179 | Transaction declined (exceeds withdrawal count limit) | JCB | The shopper has exceeded their card usage frequency limit. |
| 800.100.190 | Transaction declined (invalid configuration data) | JCB | The card network has declined the transaction due to incorrect configuration, the merchant should verify if the transaction currency is allowed or if amount is in the limit |
| 800.100.192 | Transaction declined (invalid CVV, Amount has still been reserved on the customer's card and will be released in a few business days.) | JCB | The card issuer has declined due to incorrect security code entered, the shopper should verify the transaction details |
| 800.100.195 | Transaction declined (UserAccount Number/ID unknown) | JCB | The card issuer did not find a valid match with provided card number, the shopper should verify the transaction details |
| 800.100.200 | Refer to Payer due to reason not specified | JCB | The transaction has been declined due to reasons unknown, the shopper should retry with a different payment method |
| 800.100.201 | Account or Bank Details Incorrect | JCB | Transaction could not be routed properly as the card number entered is not valid, the shopper should verify the card details |
| 800.100.202 | Account Closed | JCB | The card issuer has declined the transaction as card account has been closed, the shopper should retry with a different payment method |
| 800.100.203 | Insufficient Funds | JCB | Insufficient funds in the cardholder's account. The shopper can try again after adding funds to their bank account, or use another payment method. |
| 800.100.204 | Mandate Expired | JCB | The card issuer declined the recurring transaction as authorization agreement has expired, the shopper should revise the payment method |
| 800.100.205 | Mandate Discarded | JCB | The card issuer declined the recurring transaction as authorization agreement has been terminated, the shopper should revise the payment method |
| 800.100.402 | CC/bank account holder not valid | JCB | The card issuer is unable to find the card / account number. The shopper should get in touch with their issuer to resolve the problem or try with a different payment method |
| 800.100.403 | Transaction declined (revocation of authorisation order) | JCB | The card issuer declined the recurring transaction as authorization agreement has been revoked, the shopper should revise the payment method |
| 800.100.500 | The card holder has advised his bank to stop this recurring payment | JCB | The recurring transaction has been declined on the request of the cardholder |
| 800.100.501 | Card holder has advised his bank to stop all recurring payments for this merchant | JCB | All recurring transactions will be declined on this card due to the cardholder request |