Payment processing response codes

The transaction is approved. The account is in good standing and has enough money or available credit to pay for the transaction.

Contact the issuer (cardholder’s bank).

Contact the issuer (cardholder’s bank).

Your request can’t be processed. The system doesn’t recognize you as a registered merchant.

Stop the transaction, and if possible, keep the card. Don’t return it to the customer.

Do not complete the transaction.

An error has occurred.

Stop the transaction, and if possible, keep the card. Don’t return it to the customer. Fraud has been detected.

The transaction has been partially approved.

The transaction is approved. The account is in good standing and has enough money or available credit to pay for the transaction.

The transaction is invalid.

The transaction amount is invalid or the currency conversion information was entered incorrectly.

The account number provided does not exist.

The issuer you are attempting to contact does not exist.

Re-submit the authorization request.

No action was or needs to be taken.

The issuer is unable to locate the record in its file.

The file is temporarily not available for update or inquiry.

The cardholder does not have a credit account.

Stop the transaction, and if possible, keep the card. Don’t return it to the customer. The card was reported lost.

Stop the transaction, and if possible, keep the card. Don’t return it to the customer. The card was reported stolen.

The account has insufficient funds. It doesn’t have enough money or available credit to pay for the transaction.

The cardholder does not have a checking account.

The cardholder does not have a savings account.

The card has expired or the expiration date was not provided.

The personal identification number (PIN) was entered incorrectly.

The cardholder is not allowed to make this transaction.

The issuer suspects fraud.

The transaction amount is too high — it exceeds the limit.

The card’s use is restricted and invalid in this region or country.

A security violation has occurred (the source is not the correct issuer).

The transaction does not meet anti-money laundering (AML) requirements.

The customer has attempted too many withdrawals within a set time period — the number of attempts exceeds the withdrawal frequency limit.

The customer has entered the PIN incorrectly too many times — the number of attempts exceeds the limit.

The reversal request was unsolicited.

The transaction has already been reversed by Switch.

There is no financial impact.

A cryptographic error was found in the PIN.

The results for CAM, dCVV, iCVV or CVV are negative.

There is no reason to decline a request for address verification, CVV2 verification, or a credit voucher or merchandise return.

The issuer cannot verify the PIN. For example, the card’s PIN verification value (PVV) is not detected.

The customer is ineligible to receive account information.

The technology is not working as it should — the service is not currently available or has timed out.

The issuer can’t be identified, so the request can’t be sent. The receiving institution ID that was provided is invalid.

The transaction attempt violates the law, so it can’t be completed.

The transaction attempt is a duplicate submission. It contains data that matches a previously submitted transaction.

Either the system malfunctioned or a data entry error has occurred.

The surcharge amount is not supported by the debit network issuer.

To obtain authorization, you must consult the card brand for stand-in processing (STIP).

Cash service is not available.

The amount of cash request exceeds the limit set by the issuer.

The transaction is ineligible for resubmission.

The transaction is declined due to CVV2 failure.

The final transaction amount is more than the amount that was approved via pre-authorization.

Card authentication failed.

You are required to stop the transaction.