Processor Response Codes

001

Transaction Received

Info

This is sent to acknowledge that the submitted transaction has been received.

Note: This response applies only to V10.x versions of the API.

000

Approved

Approved

No action required.

010

Partially Approved

Approved

The authorized amount is less than the requested amount.

011

Offline Approval

Approved

Offline approval issued while the terminal is unable to communicate with the issuer.

013

Offline Approval (unable to go online)

Approved

Offline approval issued while the terminal is unable to communicate with the issuer.

100

Processing Network Unavailable

Soft Decline

There is a problem with the card or PINless Debit network. Contact the network for more information.

101

Issuer Unavailable

Soft Decline

There is a problem with the issuer network. Please contact the issuing bank.

102

Re-submit Transaction

Soft Decline

There is a temporary problem with your submission. Please re-submit the transaction.

103

Merchant not configured for processing at this site

Soft Decline

You submitted the transaction to a Hot-Hot URL, but are not configured for multi-site processing.

108

Try again later

Soft

We were unable to process the transaction due to a transitory communication issue to an internal or external service. Please try submitting the transaction again.

110

Insufficient Funds

Soft Decline

The card does not have enough funds to cover the transaction.

111

Authorization amount has already been depleted

Hard Decline

The total amount of the original Authorization has been used.

Appears in Declined Transaction report.

112

Insufficient Funds, Retry after 1 hour

Soft Decline

You should retry the transaction after waiting 1 hour.

113

Insufficient Funds, Retry after 24 hour

Soft Decline

You should retry the transaction after waiting 24 hours.

114

Insufficient Funds, Retry after 2 days

Soft Decline

You should retry the transaction after waiting 2 days.

115

Insufficient Funds, Retry after 4 days

Soft Decline

You should retry the transaction after waiting 4 days.

116

Insufficient Funds, Retry after 6 days

Soft Decline

You should retry the transaction after waiting 6 days.

117

Insufficient Funds, Retry after 8 days

Soft Decline

You should retry the transaction after waiting 8 days.

118

Insufficient Funds, Retry after 10 days

Soft Decline

You should retry the transaction after waiting 10 days.

120

Call Issuer

Soft Decline

There is an unspecified problem, contact the issuing bank.

121

Call AMEX

Referral

There is an unspecified problem; contact AMEX.

122

Call Diners Club

Referral

There is an unspecified problem; contact Diners Club.

123

Call Discover

Referral

There is an unspecified problem; contact Discover.

124

Call JBS

Referral

There is an unspecified problem; contact JBS.

125

Call Visa/Mastercard

Referral

There is an unspecified problem; contact Visa or Mastercard.

126

Call Issuer - Update Cardholder Data

Referral

Some data is out of date; contact the issuer to update this information.

127

Exceeds Approval Amount Limit

Soft Decline

This transaction exceeds the daily approval limit for the card.

130

Call Indicated Number

Referral

There is an unspecified problem; contact the phone number provided.

131

Unacceptable PIN - Transaction declined - Retry

Soft Decline

There is an unspecified problem with the submitted PIN. Confirm value and retry.

132

PIN not changed

Soft Decline

The PIN did not change. Please retry.

140

Update Cardholder Data

Referral

Cardholder data is incorrect; contact the issuing bank.

141

Consumer non-reloadable prepaid card

Soft

The submitted card number indicates a non-reloadable, prepaid card.

142

Consumer single-use virtual card number

Soft

The submitted card number indicates a single-use virtual card.

143

Merchant doesn't qualify for product code

Soft Decline

145

Lifecycle

Hard or Soft Decline

This is a Mastercard specific decline code associated with the MAC (Merchant Advice Code). The MAC value is either unknown or null. Contact the issuing bank for additional information.

146

Policy

Hard or Soft Decline

This is a Mastercard specific decline code associated with the MAC (Merchant Advice Code). The MAC value is either unknown or null. Contact the issuing bank for additional information.

147

Fraud/Security

Hard or Soft Decline

This is a Mastercard specific decline code associated with the MAC (Merchant Advice Code). The MAC value is either unknown or null. Contact the issuing bank for additional information.

148

Invalid or expired card; contact cardholder to update

Soft Decline

The card is invalid or expired. Contact cardholder to update information.

149

Invalid transaction or card restriction; verify information and resubmit

Soft Decline

The transaction is not permitted, or the card is not available for use. Verify the information and resubmit the transaction.

150

Original transaction found.

Info

A Query transaction response indicating that the original transaction was found.

151

Original transaction not found.

Info

A Query transaction response indicating that the original transaction was not found.

152

Original transaction found, but response not yet available.

Info

A Query transaction response indicating that the original transaction was found, but the final response information is not yet available.

153

Query transaction not enabled.

Info

A Query transaction response indicating that you are not enabled for use of the Query transaction.

154

At least one of origId or

origCnpTxnId is required

Soft Decline

When submitting a Query transaction, you must include either the origId or origCnpTxnId.

155

origCnpTxnId is required when

showStatusOnly is used

Soft Decline

When submitting a Query transaction with the showStatusOnly flag set to Y, you must include the origCnpTxnId element.

156

Incremental Auth not supported

Hard Decline

This method of payment does not support incremental auths.

157

Set authIndicator to Incremental

Soft Decline

You set the authIndicator in the initial auth to Estimated. You must set the authIndicator in any subsequent auths to Incremental.

158

Incremental value for authIndicator not allowed in this auth structure

Soft Decline

You used the message structure for an initial auth. Resubmit the transaction using the message structure for an incremental auth.

159

Cannot request an Incremental auth if original auth not set to Estimated

Hard Decline

You cannot submit an incremental auth if the initial auth did not include an authIndicator value of Estimated.

161

Transaction must reference the Estimated auth

Soft Decline

Resubmit the transaction using the cnpTxnId from the initial, estimated auth.

162

Incremented auth exceeds max transaction amount

Hard Decline

The incremental auth increased the transaction total to a value above the maximum transaction amount allowed.

170

Submitted MCC not allowed

Hard Decline

The allowed MCC white list does not include the submitted MCC. Resubmit the transaction with an allowed MCC, or ask your Relationship Manager about adding the submitted MCC to the white list.

191

The merchant is not registered in the update program.

N/A

This is an Account Updater response indicating a set-up problem that must be resolved prior to submitting another request file. Escalate this to your Relationship Manager.

192

Merchant not certified/enabled for IIAS

Hard Decline

Your organization is not certified or enabled for IIAS/FSA transactions.

206

Issuer Generated Error

Soft Decline

An unspecified error was returned by the issuer. Please retry the transaction and if the problem persist, contact the issuing bank.

207

Pickup card - Other than Lost/Stolen

Hard Decline

The issuer indicated that the gift card should be removed from use.

209

Invalid Amount

Hard Decline

The specified amount is invalid for this transaction.

211

Reversal Unsuccessful

Hard Decline

The reversal transaction was unsuccessful.

212

Missing Data

Hard Decline

Contact your Relationship Manager.

213

Pickup Card - Lost Card

Hard Decline

The submitted card was reported as lost and should be removed from use.

214

Pickup Card - Stolen Card

Hard Decline

The submitted card was reported as stolen and should be removed from use.

215

Restricted Card

Hard Decline

The specified Gift Card is not available for use.

216

Invalid Deactivate

Hard Decline

The Deactivate transaction is invalid for the specified card.

217

Card Already Active

Hard Decline

The submitted card is already active.

218

Card Not Active

Soft Decline

The submitted card has not been activated.

219

Card Already Deactivate

Hard Decline

The submitted card has already been deactivated.

221

Over Max Balance

Hard Decline

The activate or load amount exceeds the maximum allowed for the specified gift Card.

222

Invalid Activate

Hard Decline

The activate transaction is not valid or can no longer be reversed.

223

No transaction Found for Reversal

Hard Decline

The transaction referenced in the reversal transaction does not exist.

226

Incorrect CVV

Hard Decline

The transaction was declined because it was submitted with the incorrect security code.

229

Illegal Transaction

Soft Decline

The transaction would violate the law.

251

Duplicate Transaction

Hard Decline

The transaction is a duplicate of a previously submitted transaction.

Appears in Declined Transaction report.

252

System Error

Hard Decline

Contact your Relationship Manager.

253

Deconverted BIN

Hard Decline

The BIN is no longer valid.

254

Merchant Depleted

Hard Decline

No balance remains on gift Card.

255

Gift Card Escheated

Hard Decline

The Gift Card has been seized by the government while resolving an estate.

256

Invalid Reversal Type for Credit Card Transaction

Hard Decline

You attempted to use a Closed Loop Gift Card reversal transaction to reverse a credit card transaction. For example, you cannot use a Deposit Reversal transaction to reverse a Capture. To reverse a credit card Capture transaction, use a Credit transaction.

257

System Error (message format error)

Hard Decline

Issuer reported message format is incorrect. Contact your Relationship Manager.

258

System Error (cannot process)

Hard Decline

Issuer reported transaction could not be processed. Contact your Relationship Manager.

271

Refund rejected due to pending deposit status

Soft Decline

The refund is tied to a deposit that is still in pending state or the state is in doubt. You can retry the refund at a later time.

272

Refund rejected due to declined deposit status

Hard Decline

The refund is tied to a deposit that failed.

273

Refund rejected by the processing network

Soft Decline

The refund is tied to a deposit that succeeded, but was declined by PayPro.

284

Capture, Credit and AuthReversal tags cannot be used for Gift Card Transactions

Hard Decline

You must use the Gift Card version of these transactions for Gift Cards (i.e., giftCardCapture, giftCardCredit, and giftCardAuthReversal).

301

Invalid Account Number

Hard Decline

The account number is not valid; contact the cardholder to confirm information or inquire about another form of payment.

302

Account Number Does Not Match Payment Type

Hard Decline

The payment type was selected as one card type (e.g. Visa), but the card number indicates a different card type (e.g.

Mastercard).

303

Pick Up Card

Hard Decline

This is a card present response, but in a card not present environment. Do not process the transaction and contact the issuing bank.

304

Lost/Stolen Card

Hard Decline

The card has been designated as lost or stolen; contact the issuing bank.

305

Expired Card

Soft Decline

The card is expired.

306

Authorization has expired; no need to reverse

Hard Decline

The original Authorization is no longer valid, because it has expired. You can not perform an Authorization Reversal for an expired Authorization.

Appears in Declined Transaction report.

307

Restricted Card

Soft Decline

The card has a restriction preventing approval for this transaction. Please contact the issuing bank for a specific reason.

You may also receive this code if the transaction was declined due to FraudSight Prior Fraud Advice Filtering and you are using a schema version V8.10 or older.

308

Restricted Card - Chargeback

Hard Decline

This transaction is being declined due the operation of the FraudSight Prior Chargeback Card Filtering Service or the card has a restriction preventing approval if there are any chargebacks against it.

309

Restricted Card - Prepaid Card Filtering Service

Hard Decline

This transaction is being declined due the operation of the FraudSight Prepaid Card Filtering service.

310

Invalid track data

Hard Decline

The track data is not valid.

311

Deposit is already referenced by a chargeback

Hard Decline

The deposit is already referenced by a chargeback; therefore, a refund cannot be processed against the original transaction.

Appears in Declined Transaction report.

312

Restricted Card - International Card Filtering Service

Hard Decline

This transaction is being declined due the operation of the FraudSight International Card Filtering Service.

313

International filtering for issuing card country <country>

(where <country> is the 3-character country code)

Hard Decline

This is returned when the transaction involves a US based merchant processing Canadian transactions has a transaction that uses a US card.

315

Restricted Card - Auth Fraud Velocity Filtering Service

Hard Decline

This transaction is being declined due the operation of the FraudSight Auth Fraud Velocity Filtering Service.

316

Automatic Refund Already Issued

Hard Decline

This refund transaction is a duplicate for one already processed automatically by the Fraud Chargeback Prevention Service (FCPS).

Appears in Declined Transaction report.

317

Restricted Card - card under sanction

Hard Decline

The submitted card is under sanction and cannot be processed.

318

Restricted Card - Auth Fraud Advice Filtering Service

Hard Decline

This transaction is being declined due the operation of the Auth Fraud Advice Filtering Service.

319

Restricted Card - Fraud AVS Filtering Service

Hard Decline

This transaction is being declined due the operation of the FraudSight Auth Fraud AVS Filtering Service.

320

Invalid Expiration Date

Hard Decline

The expiration date is invalid

321

Invalid Merchant

Soft Decline

The card is not allowed to make purchases from this merchant (e.g. a Travel only card trying to purchase electronics).

322

Invalid Transaction

Note: If you are enabled for Transaction Filtering, but have not upgraded to use schema version 8.3 or above, the system returns this code for transactions filtered by the Prepaid or International Card Filtering Service. If you are enabled for Velocity Fraud Filtering, but have not upgraded to V8.9, you will receive this code for filtered transactions. If you are enabled for AVS Fraud Filtering, but have not upgraded to V8.13, you will receive this code for filtered transactions.

Hard Decline

The transaction is not permitted; contact the issuing bank.

The system also returns this code if you attempt to use a Void transaction to cancel a Gift Card transaction.

323

No such issuer

Hard Decline

The card number references an issuer that does not exist. Do not process the transaction.

324

Invalid Pin

Soft Decline

The PIN provided is invalid.

Appears in Declined Transaction report

325

Transaction not allowed at terminal

Soft Decline

The transaction is not permitted; contact the issuing bank.

326

Exceeds number of PIN entries

Hard Decline

(Referring to a debit card) The incorrect PIN has been entered excessively and the card is locked.

327

Cardholder transaction not permitted

Hard Decline

Merchant does not allow that card type or specific transaction.

328

Cardholder requested that recurring or installment payment be stopped

Hard Decline

Recurring/Installment Payments no longer accepted by the card issuing bank.

330

Invalid Payment Type

Hard Decline

This payment type is not accepted by the issuer.

331

Invalid POS Capability for Cardholder Authorized Terminal Transaction

Hard Decline

For a Cardholder Authorized Terminal Transaction the POS capability must be set to magstripe.

332

Invalid POS Cardholder ID for Cardholder Authorized Terminal Transaction

Hard Decline

For a Cardholder Authorized Terminal Transaction the POS Cardholder ID must be set to nopin.

335

This method of payment does not support authorization reversals

Hard Decline

You can not perform an Authorization Reversal transaction for this payment type.

336

Reversal amount does not match Authorization amount.

Hard Decline

For a merchant initiated reversal against an American Express authorization, the reversal amount must match the authorization amount exactly.

337

Transaction did not convert to Pinless

Soft Decline

Retry the transaction.

340

Invalid Amount

Soft Decline

The transaction amount is invalid (too high or too low). For example, less than 0 for an authorization, or less than .01 for other payment types.

341

Invalid Healthcare Amounts

Hard Decline

The amount submitted with this FSA/Healthcare transaction is invalid. The FSA amount must be greater than 0, and cannot be greater than the transaction amount.

346

Invalid billing descriptor prefix

Hard Decline

The billing descriptor prefix submitted is not valid.

Appears in Declined Transaction report.

347

Invalid billing descriptor

Hard Decline

The billing descriptor is not valid because you are not authorized to send transactions with custom billing fields.

Appears in Declined Transaction report.

348

Invalid Report Group

Hard Decline

The Report Group specified in the transaction is invalid, because it is either not in the defined list of acceptable Report Groups or there is a mis-match between the Report Group and the defined Billing Descriptor.

349

Do Not Honor

Soft Decline

The issuing bank has put a temporary hold on the card.

350

Generic Decline

Soft or Hard Decline

There is an unspecified problem; contact the issuing bank for more details.

Note: This code can be a hard or soft decline, depending on the method of payment, and other variables.

351

Decline - Request Positive ID

Hard Decline

Card Present transaction that requires a picture ID match.

352

Decline CVV2/CID Fail

Soft Decline

The CVV2/CID is invalid.

354

3-D Secure transaction not supported by merchant

Hard Decline

You are not certified to submit 3-D Secure transactions.

356

Invalid purchase level III, the transaction contained bad or missing data

Soft Decline

Submitted Level III data is bad or missing.

357

Missing healthcareIIAS tag for an FSA transaction

Hard Decline

The FSA Transactions submitted does not contain the <healtcareIIAS> data element.

358

Restricted by Vantiv due to security code mismatch.

Hard Decline

The transaction was declined due to the security code (CVV2, CID, etc) not matching.

360

No transaction found with specified Transaction Id

Hard Decline

There were no transactions found with the specified Transaction Id.

Appears in Declined Transaction report.

361

Authorization no longer available

Hard Decline

The authorization for this transaction is no longer available. Either the authorization has already been consumed by another capture, the authorization has expired, or the cardholder revoked the authorization.

Appears in Declined Transaction report.

362

Transaction Not Voided - Already Settled

Hard Decline

This transaction cannot be voided; it has already been delivered.

Appears in Declined Transaction report.

363

Auto-void on refund

Hard Decline

This transaction (both capture and refund) has been voided.

Appears in Declined Transaction report.

364

Invalid Account Number - original or NOC updated eCheck account required

Hard Decline

The submitted account number is invalid. Confirm the original account number or check NOC for new account number.

365

Total credit amount exceeds capture amount

Hard Decline

The amount of the credit is greater than the capture, or the amount of this credit plus other credits already referencing this capture are greater than the capture amount.

Appears in Declined Transaction report.

366

Exceed the threshold for sending redeposits

Hard Decline

NACHA rules allow two redeposit attempts within 180 days of the settlement date of the initial deposit attempt. This threshold has been exceeded.

Appears in Declined Transaction report.

367

Deposit has not been returned for insufficient/non-sufficient funds

Hard Decline

NACHA rules only allow redeposit attempts against deposits returned for Insufficient or Uncollected Funds.

Appears in Declined Transaction report.

368

Invalid check number

Soft Decline

The check number is invalid.

369

Redeposit against invalid transaction type

Hard Decline

The redeposit attempted against an invalid transaction type.

Appears in Declined Transaction report.

370

Internal System Error - Call Vantiv

Hard Decline

There is a problem with the system. Contact your Relationship Manager.

371

Original Transaction has been Processed - Future Redeposits Canceled

Hard Decline

Do not send additional redeposit transactions, since the original transaction was processed.

Appears in Declined Transaction report.

372

Soft Decline - Auto Recycling In Progress

Soft Decline

The transaction was intercepted because it is being auto recycled by the Recycling Engine. While designated a Soft Decline, the system always intercepts submitted transactions, while the Recycling Engine is active.

373

Hard Decline - Auto Recycling Complete

Hard Decline

The transaction was intercepted because auto recycling has completed with a final decline.

375

Merchant is not enabled for surcharging

Hard Decline

The submitted transaction contained a surcharge and the merchant is not enabled for surcharging.

376

This method of payment does not support surcharging

Hard Decline

The use of a surcharge is only allowed for Visa and Mastercard methods of payment.

377

Surcharge is not valid for debit or prepaid cards

Hard Decline

You cannot apply a surcharge to a transaction using a debit or prepaid card.

378

Surcharge cannot exceed 4% of the sale amount

Hard Decline

The surcharge in the submitted transaction exceeded 4% maximum allowed for a surcharge.

379

Transaction declined by the processing network

Hard Decline

The SEPA Direct Debit processing network declined the transaction for unspecified reasons. Some possible reasons are: insufficient funds, IBAN/Name disagreement, red flag on account, etc.

380

Secondary amount cannot exceed the sale amount

Hard Decline

The secondary amount exceeded the sale amount in the submitted transaction.

381

This method of payment does not support secondary amount

Hard Decline

The submitted method of payment does not allow the use of Convenience Fees.

382

Secondary amount cannot be less than zero

Hard Decline

The secondary amount must be a positive integer.

383

Partial transaction is not supported when including a secondary amount

Hard Decline

Transactions set to allow partial authorizations cannot include a secondary amount.

384

Secondary amount required on partial refund when used on deposit

Hard Decline

If the associated sale or capture transaction included a secondary amount, an associated partial refund must include a secondary amount.

385

Secondary amount not allowed on refund if not included on deposit

Hard Decline

If the associated sale or capture transaction did not included a secondary amount, you cannot include a secondary amount on an associated refund.

386

Processing Network Error

Soft Decline

Worldpay is experiencing issues communicating with the SEPA Direct Debit network. Please retry the transaction.

401

Invalid E-mail

Hard Decline

The e-mail address provided is not valid. Verify that it was entered correctly.

469

Invalid Recurring Request - See Recurring Response for Details

Hard Decline

The Recurring Request was invalid, which invalidated the transaction. The Response Code and Message in the Recurring Response contains additional information.

470

Approved - Recurring Subscription Created

Approved

The recurring request was processed successfully.

471

Parent Transaction Declined - Recurring Subscription Not Created

Hard Decline

The original payment transaction was declined, so the recurring payments have not been scheduled.

Appears in Declined Transaction report.

472

Invalid Plan Code

Hard Decline

The plan specified in the recurring request was invalid.

473

Scheduled Recurring Payment Processed

Approved

The scheduled recurring payment has been processed successfully.

475

Invalid Subscription Id

Hard Decline

The referenced subscription Id does not exist.

Appears in Declined Transaction report.

476

Add On Code Already Exists

Hard Decline

The specified Add On code already exists.

Appears in Declined Transaction report.

477

Duplicate Add On Codes in Requests

Hard Decline

Multiple createAddOn requests submitted with the same Add On Code.

478

No Matching Add On Code for the Subscription

Hard Decline

The Add On code specified does not exist.

Appears in Declined Transaction report.

480

No Matching Discount Code for the Subscription

Hard Decline

The Discount Code supplied in the updateDiscount or deleteDiscount transaction does not exist.

Appears in Declined Transaction report.

481

Duplicate Discount Codes in Request

Hard Decline

Multiple createDiscount requests submitted with the same Discount Code.

482

Invalid Start Date

Hard Decline

The supplied Start Date is invalid.

483

Merchant Not Registered for Recurring Engine

Hard Decline

You are not registered for the use of the Recurring Engine.

484

Insufficient data to update subscription

Hard Decline

The transaction did not include data needed for update operation.

485

Invalid Billing Date

Hard Decline

The submitted billing date is either before the current date or otherwise invalid.

486

Discount Code Already Exists

Hard Decline

The specified Discount code already exists.

487

Plan Code already exists

Hard Decline

The specified Plan Code already exists.

500

The account number was changed

Hard Decline

An Account Updater response indicating the Account Number changed from the original number.

501

The account was closed

Hard Decline

The account was closed. Contact the cardholder directly for updated information.

502

The expiration date was changed

N/A

An Account Updater response indicating the Expiration date for the card has changed.

503

The issuing bank does not participate in the update program

N/A

An Account Updater response indicating the issuing bank does not participate in the update program

504

Contact the cardholder for updated information

N/A

An Account Updater response indicating you should contact the cardholder directly for updated information.

505

No match found

N/A

An Account Updater response indicating no match was found in the updated information.

506

No changes found

N/A

An Account Updater response indicating there have been no changes to the account information.

507

The cardholder has opted out of the update program

N/A

The cardholder requested that no updates be included for their account.

521

Soft Decline - Card reader decryption service is not available

Soft Decline

The connection to the decryption service is currently unavailable. Please retry the transaction and/or contact your Relationship Manager.

523

Soft Decline - Decryption failed

Soft Decline

Our attempt to decrypt the card information failed. Please retry the transaction.

524

Hard Decline - Input data is invalid.

Hard Decline

The submitted data is invalid.

530

Apple Pay Key Mismatch

Hard Decline

The submitted publicKeyHash element does not match any configured entries. Contact your Implementation Consultant.

531

Apple Pay Decryption Failed

Hard Decline

Worldpay was unable to decrypt the submitted information.

540

Hard Decline - Decryption Failed

Hard Decline

Worldpay was unable to decrypt the submitted card number and/or CVV.

550

Advanced Fraud Filter Score Below Threshold

Hard Decline

The transaction was declined because the resulting FraudSight Fraud Filter Score was below the acceptable threshold set in the merchant’s policy.

555

Suspected Fraud

Soft Decline

The issuing bank declined the transaction as suspected fraud.

560

System Error - Contact Worldpay representative

Soft Decline

There was an unspecified problem with the transaction. Please contact your Worldpay Relationship Manager.

561

Amazon Pay - Amazon Unavailable

Soft Decline

Amazon was unavailable. Please retry the transaction.

562

Amazon Pay - Amazon Declined

Hard Decline

Amazon declined the transaction.

563

Amazon Pay - Invalid Token

Hard Decline

The submitted Amazon token is invalid or you do not have access to this token. Please correct the token value before resubmitting the transaction.

564

Merchant not enabled for Amazon Pay

Hard Decline

Your organization is not enabled for the use of Amazon Pay. Please contact your Relationship Manager.

601

Soft Decline - Primary Funding Source Failed

Soft Decline

A PayPal response indicating the transaction failed due to an issue with primary funding source (e.g. expired Card, insufficient funds, etc.).

NOTE: The Response Message associated with Response Code 602 is inaccurate due to a remapping of PayPal Response Codes. Please read the description below for the recommended action when receiving Response Code 602.

602

Soft Decline - Buyer has alternate funding source

Soft

Decline

The transaction could not be completed for one of the following reasons:

• The billing address associated with the financial Instrument could not be confirmed.

• The transaction exceeds the card limit.

• The transaction was denied by the card issuer.

You should establish error handling logic that directs the customer to contact PayPal to resolve the issue with their account.

610

Hard Decline - Invalid Billing Agreement Id

Hard Decline

A PayPal response indicating the Billing Agreement ID is invalid.

611

Hard Decline - Primary Funding Source Failed

Hard Decline

A PayPal response indicating the issuer is unavailable.

612

Hard Decline - Issue with Paypal Account

Hard Decline

A PayPal response indicating the transaction failed due to an issue with the buyer account.

613

Hard Decline - PayPal authorization ID missing

Hard Decline

A PayPal response indicating the need to correct the authorization ID before resubmitting.

614

Hard Decline - confirmed email address is not available

Hard Decline

A PayPal response indicating your account is configured to decline transactions without a confirmed address. request another payment method or contact eCommerceSupport@vantiv.com to modify your account settings.

615

Hard Decline - PayPal buyer account denied

Hard Decline

A PayPal response indicating account unauthorized payment risk.

616

Hard Decline - PayPal buyer account restricted

Hard Decline

A PayPal response indicating PayPal is unable to process the payment. Buyer should contact PayPal with questions.

617

Hard Decline - PayPal order has been voided, expired, or completed

Hard Decline

A PayPal response indicating no further authorizations/captures can be processed against this order. A new order must be created.

618

Hard Decline - issue with PayPal refund

Hard Decline

A PayPal response indicating one of these potential refund related issues: duplicate partial refund must be less than or equal to original or remaining amount, past time limit, not allowed for transaction type, consumer account locked/inactive, or complaint exists - only a full refund of total/remaining amount allowed. Contact eCommerceSupport@vantiv.com for specific details.

619

Hard Decline - PayPal credentials issue

Hard Decline

A PayPal response indicating you do not have permissions to make this API call.

620

Hard Decline - PayPal authorization voided or expired

Hard Decline

A PayPal response indicating you cannot capture against this authorization. You need to perform a brand new authorization for the transaction.

621

Hard Decline - required PayPal parameter missing

Hard Decline

A PayPal response indicating missing parameters are required. Contact eCommerceSupport@vantiv.com for specific details.

622

Hard Decline - PayPal transaction ID or auth ID is invalid

Hard Decline

A PayPal response indicating the need to check the validity of the authorization ID prior to reattempting the transaction.

623

Hard Decline - Exceeded maximum number of PayPal authorization attempts

Hard Decline

A PayPal response indicating you should capture against a previous authorization.

624

Hard Decline - Transaction amount exceeds merchant’s PayPal account limit.

Hard Decline

A PayPal response indicating the transaction amount exceeds the merchant’s account limit. Contact eCommerceSupport@vantiv.com to modify your account settings.

625

Hard Decline - PayPal funding sources unavailable.

Hard Decline

A PayPal response indicating the buyer needs to add another funding sources to their account.

626

Hard Decline - issue with PayPal primary funding source.

Hard Decline

A PayPal response indicating there are issues with the buyer’s primary funding source.

627

Hard Decline - PayPal profile does not allow this transaction type.

Hard Decline

Contact your Relationship Manager to adjust your PayPal merchant profile preferences.

628

Internal System Error with PayPal

• Contact Vantiv

Hard Decline

There is a problem with your username and password. Contact eCommerceSupport@vantiv.com.

629

Hard Decline - Contact PayPal consumer for another payment method

Hard Decline

A PayPal response indicating you should contact the consumer for another payment method.

637

Invalid terminal Id

Hard Decline

The terminal Id submitted with the POS transaction is invalid.

640

PINless Debit processing not supported for non-recurring transactions

Hard Decline

At this time, we support PINless Debit transaction only for recurring transactions.

641

PINless Debit processing not supported for partial auths

Hard Decline

PINless Debit does not support partial authorizations. You can resubmit the transaction without using the partial auth flag.

642

Merchant not configured for PINless Debit processing

Hard Decline

You are not enabled for PINless Debit processing. Please consult your Relationship Manager for additional information about this feature.

651

Decline - Customer Cancellation

Hard Decline

The customer has cancelled the transaction or recurring payment.

652

Decline - Re-try transaction

Soft Decline

Unspecified decline. Please re-try the transaction.

653

Decline - Unable to locate record on file

Hard Decline

We are unable to locate the referenced file. Please verify the submitted information.

654

Decline - file update field edit error

Soft Decline

655

Remote function unknown

Soft Decline

656

Declined - Exceeds withdrawal frequency limit

Soft Decline

The transaction exceeded the allowed activity on the account. You can retry the transaction later.

657

Decline - Card record not available

Soft Decline

658

Invalid Authorization Code

Soft Decline

659

Reconciliation error

Soft Decline

660

Preferred Debit Routing Denial: Credit transaction can be debit

Soft Decline

661

Declined - Currency Conversion Complete, No Auth Performed

Soft Decline

662

Declined - Multi-Currency DCC Fail

Soft Decline

663

Declined - Multi-Currency Invert Fail

Soft Decline

664

Invalid 3-D Secure Password

Soft Decline

665

Invalid Social Security Number

Soft Decline

666

Invalid Mother's Maiden Name

Soft Decline

667

Enrollment Inquiry Declined

Soft Decline

668

Social Security Number Not Available

Soft Decline

669

Mother's Maiden Name Not Available

Soft Decline

670

PIN Already Exists on Database

Soft Decline

701

Under 18 years old

Hard Decline

A PayPal Credit response indicating the customer is under 18 years of age based upon the date of birth.

702

Bill to outside USA

Hard Decline

A PayPal Credit response indicating the billing address is outside the United States.

703

Bill to address is not equal to ship to address

Hard Decline

A PayPal Credit response indicating that the billing address does not match the shipping address.

704

Declined, foreign currency, must be USD

Hard Decline

A PayPal Credit or PINless Debit response indicating the transaction is declined, because it is not in US dollars.

705

On negative file

Hard Decline

A PayPal Credit response indicating the account is on the negative file.

706

Blocked agreement

Hard Decline

A PayPal Credit response indicating a blocked agreement account status.

707

Insufficient buying power

Other

A PayPal Credit response indicating that the account holder does not have sufficient credit available for the transaction amount.

708

Invalid Data

Hard Decline

A PayPal Credit response indicating that there are one or more problems with the submitted data.

709

Invalid Data - data elements missing

Hard Decline

A PayPal Credit response indicating one or more required data elements are missing.

Also, returned for a Direct Debit transaction that is missing a required data element. For example, failure to include the name element in an echeckSale or echeckCredit transaction would result in this code being returned.

710

Invalid Data - data format error

Hard Decline

A PayPal Credit response indicating that some data was formatted incorrectly.

711

Invalid Data - Invalid T&C version

Hard Decline

A PayPal Credit response indicating the T&C version is invalid.

712

Duplicate transaction

Soft Decline-

A PayPal Credit response indicating that the transaction is a duplicate.

713

Verify billing address

Hard Decline

A PayPal Credit response indicating that you should verify the billing address.

714

Inactive Account

Hard Decline

A PayPal Credit response indicating the customer account is inactive.

716

Invalid Auth

Hard Decline

A PayPal Credit response indicating that the referenced authorization is invalid.

717

Authorization already exists for the order

Hard Decline

A PayPal Credit response indicating that an authorization already exists for the transaction.

730

Lodging transactions are not allowed for this MCC

Hard Decline

Your current MCC does not allow lodging transactions. Please consult your Relationship Manager.

731

Duration cannot be negative

Hard Decline

You submitted a negative value for the

<duration> element. Correct the error and resubmit the transaction.

732

Hotel Folio Number cannot be blank

Hard Decline

Although the schema does not require the submission of the

<hotelFolioNumber> element, if you do include it, you must specify a value (i.e., null not allowed). Please either add a valid value or remove the element and resubmit the transaction.

733

Invalid check in date

Hard Decline

There is a problem with the submitted check-in date (for example, 2018-02-32). Please correct the date and resubmit the transaction.

734

Invalid check out date

Hard Decline

There is a problem with the submitted check-out date (for example, 2018-02-32). Please correct the date and resubmit the transaction.

735

Invalid check in or check out date

Hard Decline

There is a problem with the submitted check-in or check-out date (for example, 2018-02-32). Please correct the date(s) and resubmit the transaction.

736

Check out date cannot be before check in date

Hard Decline

The check-out date you submitted was before the check-in date. Correct the error and resubmit the transaction.

737

Number of adults cannot be negative

Hard Decline

You submitted a negative value for the

<numAdult> element. Correct the error and resubmit the transaction.

738

Room rate cannot be negative

Hard Decline

You submitted a negative value for the

<roomRate> element. Correct the error and resubmit the transaction.

739

Room tax cannot be negative

Hard Decline

You submitted a negative value for the

<roomTax> element. Correct the error and resubmit the transaction.

740

Duration can only be from 0 to 99 for Visa

Hard Decline

For Visa the maximum duration is 99 (2-digits).

801

Account number was successfully registered

Approved

The card number was successfully registered and a token number was returned.

802

Account number was previously registered

Approved

The card number was previously registered for tokenization.

Note: You also receive this response code when using a low value token in a transaction, because the system registers the PAN at the time it creates the LVT.

803

Valid Token

Approved

The token is valid.

805

Card Validation Number Updated

Approved

The stored value for CVV2/CVC2/CID has been successfully updated.

820

Credit card number was invalid

Hard Decline

The card number submitted for tokenization is invalid.

821

Merchant is not authorized for tokens

Hard Decline

Your organization is not authorized to use tokens.

822

Token was not found

Hard Decline

The token number submitted with this transaction was not found.

823

Token Invalid

Hard Decline

The submitted token is invalid.

825

Merchant not authorized for eCheck tokens

Hard Decline

Your organization is not authorized for Direct Debit tokenization.

826

Checkout Id was invalid

Soft Decline

The submitted checkoutId is invalid.

827

Checkout Id was not found

Soft Decline

The submitted checkoutId was not found. The low value token is only good for 24 hours and may have expired.

828

Generic Checkout Id error

Soft Decline

An unknown error caused the use of checkoutId to fail.

835

Capture amount can not be more than authorized amount

Hard Decline

The amount in the submitted Capture exceeds 115% of the authorized amount.

Appears in Declined Transaction report.

850

Tax Billing only allowed for MCC 9311

Hard Decline

Tax Billing elements are allowed only for MCC 9311.

851

MCC 9311 requires taxType element

Hard Decline

Missing taxType element

852

Debt Repayment only allowed for VI transactions on MCCs 6012 and 6051

Hard Decline

You must be either MCC 6012 or 6051 to designate a Visa transaction as Debt Repayment (debtRepayment element set to true).

861

Routing Number did not match one on file for token

Soft Decline

The routing number submitted does not match the number submitted when the token was created. Verify the routing number and resubmit the transaction.

877

Invalid Pay Page Registration Id

Hard Decline

An eProtect response indicating that the Registration ID submitted is invalid.

878

Expired Pay Page Registration Id

Hard Decline

An eProtect response indicating that the Registration ID has expired (Registration IDs expire 24 hours after being issued).

879

Merchant is not authorized for Pay Page

Hard Decline

Your organization is not authorized to use eProtect.

890

Maximum number of updates for this token exceeded

Hard Decline

You have submitted the maximum number of update token requests within a rolling 30 day period.

891

Too many tokens created for existing namespace

Hard Decline

You exceeded the maximum number of tokens (16) allowed for this shopper.

895

PIN validation not possible

Soft Decline

898

Generic token registration error

Soft Decline

There is an unspecified token registration error; contact your Relationship Manager

899

Generic token use error

Soft Decline

There is an unspecified token use error; contact your Relationship Manager.

900

Invalid Bank Routing Number

Hard Decline

The Direct Debit routing number submitted with this transaction has failed validation.

901

Missing Name

Hard Decline

The customer name is required for SEPA transactions.

902

Invalid Name

Hard Decline

The customer name must be a minimum of two characters for SEPA transactions.

903

Missing Billing Country Code

Hard Decline

The Billing Country code is required for SEPA transactions.

904

Invalid IBAN

Hard Decline

The submitted International Bank Account number is invalid. Please correct the number and resubmit the traction.

905

Missing Email Address

Hard Decline

The customer email address is required for SEPA transactions.

906

Missing mandate reference

Hard Decline

You must provide a Mandate reference for standard and BYOM recurring SEPA deposit transactions.

907

Invalid mandate reference

Hard Decline

The Mandate reference is invalid. It must conform to the following format: 1 to 35 characters consisting of alphanumeric, colon, question mark, forward slash, plus, parenthesis, comas, period, space, and dash. The applicable regular expression is: ^[A-Za-z0-9:?/+(),. -]{1,35}$

908

Missing mandate URL

Hard Decline

You must provide a Mandate URL for SEPA Bring Your Own Mandate deposit transactions (both one-time and recurring).

909

Invalid mandate URL

Hard Decline

The Mandate URL must start with https and be followed by 5 to 120 characters adhering to the following regular expression: ^https://.{5,120}$

911

Missing mandate signature date

Hard Decline

You must provide a Mandate signature date for SEPA Bring Your Own Mandate deposit transactions (both one-time and recurring).

912

Invalid mandate signature date

Hard Decline

You must provide a Mandate signature date earlier than or the same as the current date with the following format: YYYY-MM-DD.

913

Recurring mandate already exists

Hard Decline

Worldpay returns this message when you submit multiple first Bring Your Own Mandate recurring transactions with the same mandate reference. The mandate references among the recurring transactions for a single merchant must be unique.

914

Recurring mandate was not found

Hard Decline

Worldpay returns this message when you submit a subsequent or final standard recurring transaction before a first standard recurring is processed and confirmed.

915

Final recurring was already received using this mandate

Hard Decline

Worldpay returns this message when you submit a first or subsequent recurring transaction after we received a final recurring. The life cycle of a recurring mandate ends after the processing of a final recurring deposit transaction. This applies to both standard and Bring Your Own Mandate recurring transactions.

916

IBAN did not match one on file for mandate

Hard Decline

Worldpay returns this message when you submit a subsequent or final recurring with a different IBAN than the IBAN used in the first recurring transaction. This applies to both standard and Bring Your Own Mandate recurring transactions.

Note: If a customer wants to use a different IBAN for a recurring SEPA mandate, they must use a request for another mandate reference using this new IBAN.

917

Invalid Billing Country

Hard Decline

Some of the alternative payment methods restrict the allowed consumer's billing country codes. For example, iDEAL only allows country code NL.

922

Expiration date required for Interac transaction

Hard Decline

The submitted transaction uses the Canadian Interac network and requires the inclusion of an expiration date.

923

Transaction type is not supported with this Method of Payment

Hard Decline

This transaction type is not support for the Canadian Interac network.

924

Unreferenced (orphan) refunds are not allowed

Hard Decline

We do not support refunds for Interac transaction unless we also processed the capture.

939

Unable to void a transaction with a Held state

Hard Decline

The transaction you tried to void is in a Held state. You can not void a transaction in this state. You must first resolve the hold.

940

This Funding Instruction results in a negative account balance

Soft Decline

There are insufficient funds in the FBO Settlement Account to cover the Funding Instruction. Wait for additional funds to settle to the account and then resubmit the transaction.

941

Account balance information unavailable at this time.

Soft Decline

Typically, this response occurs only for new FBO Settlement accounts that do not yet have any settled transactions and were not pre-funded (i.e., no balance yet recorded for the account). Wait for additional funds to settle to the account or pre-fund the account and then resubmit the transaction.

942

The submitted card is not eligible for Fast Access Funding.

Hard Decline

The card you submitted in the Fast Access Funding instruction cannot receive funds using this method.

943

Transaction cannot use both ccdPaymentInformation and ctxPaymentInformation

Hard Decline

A transaction can not contain both the ccdPaymentInformation and ctxPaymentInformation elements.

944

Processing Error

Soft Decline

Please retry the transaction.

945

This Funding Instruction type is invalid for Canadian merchants

Hard Decline

We do not support the following Funding Instructions in Canada:

• Physical Check Credit/Debit

• Reserve Credit/Debit

• Vendor Credit/Debit

947

Canadian account number cannot exceed 12 digits

Hard Decline

You submitted a Canadian account number using more than 12 digits, which is not allowed. Check the account number and resubmit using 12 or less digits.

948

This funding instruction type is invalid

Hard Decline

The submitted finding instruction transaction is not supported.

950

Decline - Negative Information on File

Hard Decline

A Direct Debit response indicating the account is on the negative file.

951

Absolute Decline

Hard Decline

A Direct Debit response indicating that this transaction was declined.

952

The Merchant Profile does not allow the requested operation

Hard Decline

A Direct Debit response indicating that your Merchant Profile does not allow the requested operation. Contact your Relationship Manager for additional information.

953

The account cannot accept ACH transactions

Hard Decline

A Direct Debit response indicating the customer’s checking account does not accept ACH transactions.

954

The account cannot accept ACH transactions or site drafts

Hard Decline

A Direct Debit response indicating the customer’s checking account does not accept ACH transactions or site drafts.

955

Amount greater than limit specified in the Merchant Profile

Hard Decline

A Direct Debit response indicating that the dollar amount of this transaction exceeds the maximum amount specified in your Merchant Profile. Contact your Relationship Manager for additional information.

956

Merchant is not authorized to perform eCheck Verification transactions

Hard Decline

A Direct Debit response indicating that your organization is not authorized to perform eCheck verifications. Contact your Relationship Manager for additional information.

957

First Name and Last Name required for eCheck Verifications

Hard Decline

A Direct Debit response indicating that the first and last name of the customer is required for eCheck verifications.

958

Company Name required for corporate account for eCheck Verifications

Hard Decline

A Direct Debit response indicating that the company name is required for verifications on corporate accounts.

959

Phone number required for eCheck Verifications

Hard Decline

A Direct Debit response indicating that the phone number of the customer is required for echeck verifications.

961

Card Brand token not supported

Hard Decline

This code is returned if the merchant submits a Visa generated token.

962

Private Label Card not supported

Hard Decline

This code is returned if the transaction involves a Visa Private Label card.

965

Allowed daily Direct Debit capture (eCheckSale) limit exceeded.

Hard Decline

If processed, the rejected transaction would exceed the daily limit (amount) for Direct Debit captures.

Please resubmit the transaction tomorrow.

966

Allowed daily Direct Debit credit (eCheckCredit) limit exceeded.

Hard Decline

If processed, the rejected transaction would exceed the daily limit (amount) for Direct Debit credits.

Please resubmit the transaction tomorrow.

980

Soft Decline - Customer Authentication Required

Soft Decline

The submitted transaction requires Customer Authentication.

981

Transaction Not Reversed - Void Workflow need to be invoked

Hard Decline

Use a Void transaction.

982

Transaction Reversal not supported for the Core Merchants

Hard Decline

This transaction originated on the Core platform, which does not support this transaction type.

983

No valid Parent Deposit or Parent Refund found

Hard Decline

The referenced (by the cnpTxnId) parent transaction does not exist. Verify the Id and resubmit with correct value.

984

Transaction Reversal not enabled for Visa

Hard Decline

This transaction type has not been enabled for Visa.

985

Transaction Reversal not enabled for Mastercard

Hard Decline

This transaction type has not been enabled for Mastercard.

986

Transaction Reversal not enabled for AmEx

Hard Decline

This transaction type has not been enabled for American Express.

987

Transaction Reversal not enabled for Discover

Hard Decline

This transaction type has not been enabled for Discover.

988

Transaction Reversal not supported

Hard Decline

This transaction type is not supported.

990

Funding Instruction held. Please contact your Relationship Manager.

Hard Decline

The transaction is held. You must contact your Relationship Manager for information about the reason.

991

Missing address information

Soft Decline

Add the missing address information and resubmit the transaction.

992

Cryptographic failure

Soft Decline

Cryptographic error found in PIN or CVV.

0

Approved / Success

Approved

5

Partial Approval

Info

7

DCC Requested

Info

8

Non-Financial Card

Hard Decline

20

Declined

Hard Decline

21

Expired Card

Hard Decline

22

Duplicate Approved

Hard Decline

23

Duplicate

Hard Decline

24

Pick Up Card

Hard Decline

25

Referral / Call Issuer

Soft Decline

30

Balance Not Available

Soft Decline

90

Not Defined

Soft Decline

101

Invalid Data

Hard Decline

102

Invalid Account

Hard Decline

103

Invalid Request

Hard Decline

104

Authorization Failed

Hard Decline

105

Not Authorized

Hard Decline

120

Out of Balance

Soft Decline

1001

Communication Error

Soft Decline

1002

Host Error

Soft Decline

1009

Error

Soft Decline

001

AUTH DOWN

This is the TPS response when no external authorizer is available.

307

CONVERSION TRAN ERR

Description: Token/De-token conversion transaction not allowed Action: Check Host tokenization configuration settings and request message

307

PAYMENT TYPE ERROR

Description: Host payment type setup configured to decline token transaction request Action: Check Host tokenization configuration settings and request message

307

ADDITIONAL TRAN ERR

Description: Transaction not allowed to use token Action: Check Host tokenization configuration settings and request message

307

RESTRICT TRAN ERROR

Description: Restricted transactions not allowed to process Action: Check Host tokenization configuration settings and request message

307

INVALID TRACK DATA

Description: Track data is blank, unable to tokenize transaction request Action: Verify values for clear PAN or Track data - retry transaction

307

INV POS COND CODE

Description: POS condition code is invalid for request message Action: Verify values for POS condition code field - retry transaction

307

INV ORIG DATE TIME

Description: Invalid token original date or time values, not numeric or format issue Action: Verify POS values for token original date and time fields - retry transaction

307

TRAN NOT ALLOWED

Description: Transaction requesting or using token is not allowed Action: Verify POS request message - retry transaction

307

POS ENTRY MODE ERROR

Description: Transaction request using token must set manual POS entry mode Action: Verify POS request message - retry transaction

307

PAN OR TRACK ERROR

Description: Transaction using token must initialize track and/or PAN to spaces Action: Verify POS request message - retry transaction

416

REGISTRATION-ID NOT FOUND

Description: The transaction’s Registration-ID is not found in the ES data base. It may have expired. Action: Check the Registration-ID and retry the transaction.

550

FRAUDSIGHT DENIED

Transaction declined by FraudSight

701

CALL OPER

Refer to card issuer

702

CALL OPER

Refer to card issuer - special condition

703

INV MERCHANT

Invalid merchant

704

PICK UP CARD

Pick up card

705

TRANS DENIED

Do not honor

706

TRANS DENIED

One or more errors in message

707

PICK UP CARD

Pick up card (special condition)

708

INVALID ID

Invalid format in identification data

712

INV TRANS

Invalid transaction

713

INV DOLLAR AMT

Invalid amount

714

INV CARD NUMBER

This is the TPS response code that will most commonly be presented when a transaction fails to locate a viable routing option.

715

INV ISSUER

No such issuer

716

VOUCHER EXPIRED

Voucher expired

717

PAN RETRIES EXCEDED

Allowable # of PAN tries exceeded

718

INV SECURITY COD

Invalid Security Code NOTE: The actual return code from Telecheck is 88.

719

RE-ENTER TRANSACTION

Re-enter transaction

721

NO ACTION TAKEN

No action taken - unable to back out prior transaction

722

UNMATCHED VOUCHER

Unmatched voucher information

723

UNDEFINED TRANS

Transaction not defined

724

DOB MISMATCH

ID or Date of Birth Mismatch

725

TRANS DENIED

Unable to locate record in file

726

ID RESTRICTIONS

ID Restrictions

728

TRANS DENIED

File is unavailable

729

TRANS DENIED

Hard Negative Information on File

730

FORMAT ERROR

Format error

731

OVER LIMITS

Over Daily, Periodic, Maximum Limits

732

INVALID STATION ID

Invalid Station ID

734

TRANS DENIED

Enter DL/Date of Birth

735

CALL OPER

Refer to Call Center

739

TRANS DENIED

No credit account

740

FUNCTION NOT AVAIL

Requested function not supported

741

PICK UP CARD

Lost card - pick up

743

PICK UP CARD

Stolen card - pick up

747

TRAN UNDELIVERABLE

Undeliverable transaction

751

TRANS DENIED

Insufficient funds

752

TRANS DENIED

No checking account

753

TRANS DENIED

No savings account

754

CARD EXPIRED

Expired card

755

INVALID PIN

Incorrect PIN

756

CANNOT PROCESS

Cannot process

757

TRANS NOT ALLOW

Transactions not allowed to cardholder

758

TRANS NOT ALLOW

Transactions not allowed to terminal

761

EXCEEDS MAX AMT

Exceeds withdrawal/approval amount limits

762

TRANS DENIED

Restricted card

763

TRANS DENIED

Security violation

765

TRANS DENIED

Activity count limit exceeded

766

CARD ESCHEATED

Card Escheated (Gift Card)

767

PICK UP CARD

Pick up card

768

MERCHANT DEPLETED

Merchant Depleted (Gift Card)

769

BAD CLOSE

Bad close (Gift Card)

770

CARD ALREADY ACTIVE

Card already active (Gift Card)

771

CARD INACTIVE

Card not active (Gift Card)

772

CARD CLOSED

Card already closed (Gift Card)

773

OVER MAX BALANCE

Over maximum balance (Gift Card)

774

INVALID ACTIVATE

Invalid activate (Gift Card)

775

TRANS DENIED

Allowable number of PIN entry tries exceeded

776

INV REF NUMBER

Unable to locate previous message

777

DATA INCONSISTENT

Previous message located for repeat/reversal, but data inconsistent

778

NO 'TO'ACCT

No "to" account specified

779

TRANS DENIED

Already reversed by switch

780

INVALID DATE

Invalid date

781

TRANS DENIED

Cryptographic error found in PIN or CVV

782

TRANS DENIED

Incorrect CVV

783

INCORRECT PIN

Unable to verify PIN

784

TRANS DENIED

Time limit for a pre-authorization is too long

786

TRANS DENIED

Cannot verify PIN

787

RECON TOTAL STOPPED

Reconciliation totaling has stopped for current settlement day

788

NO TOTALS TRY LATER

Switch cannot provide totals now; try again in 30 minutes

789

GIV TRANS DENIED

Ineligible to receive financial position information (GIV)

790

EXCEEDS LIMIT

Exceeds approval/daily limit. ECHO Override optional.

791

AUTH DOWN

Issuer/switch inoperative

792

AUTH DOWN

Financial Inst facility cannot be found for routing

793

TRANS NOT ALLOW

Illegal transaction - violation of law

794

DUPL TRAN

Duplicate transaction

795

AUTH DOWN

Issuer/switch inoperative POSA Prepaid Network SAF

796

AUTH DOWN

There is a system malfunction.

798

DUPLICATE TRANSACTION

Duplicate Transaction