Common Response Codes For All Payment Networks (VISA, MASTERCARD, JCB, AMEX):

Code	Description
00	Transaction was successful.
01	The customer’s bank (Card Issuer) has indicated a problem with the payment card number. The customer should contact their bank and should use an alternate payment card.
02	The customer’s bank (Card Issuer) has indicated a problem with the payment card number. The customer should contact their bank and should use an alternate payment card.
03	The Merchant ID is invalid. You should contact your Bank and ensure that you have provided the correct Merchant Account Number.
04	The customer’s bank (Card Issuer) has declined the transaction and requests to retain the customer's payment card. This happens when the card is reported to be lost or stolen. The customer should use an alternate payment card.
05	The customer’s bank has declined the transaction as the payment card number has failed a security check, or the funds have been frozen or depleted. The customer should use an alternate payment card.
06	The customer’s bank (Card Issuer) has declined the transaction as there is a problem with the payment card number. The customer should contact their bank. The customer should use an alternate payment card.
07	The customer’s bank (Card Issuer) has declined the transaction and requested that your customer’s payment card be retained (card reported lost or stolen). The customer should use an alternate payment card.
09	The customer’s bank (Card Issuer) has indicated a problem with the payment card number. The customer should contact their bank and should use an alternate payment card.
12	The customer’s bank (Card Issuer) has declined the transaction because of an invalid format or field. Check the transaction information and try processing the transaction again.
13	An invalid character such as a symbol or space, is passed to the Midtrans. Check your code implementation. Note: This error happens only in the Sandbox environment. For the Production environment, the amount is verified by Midtrans.
14	The customer’s bank (Card Issuer) has declined the transaction as the payment card number does not exist. Check the payment card information and try processing the transaction again.
15	The customer’s bank (Card Issuer) does not exist. Check the payment card information and try processing the transaction again.
19	The transaction has not been processed and the customer should attempt to process the transaction again.
21	The customer’s bank (Card Issuer) has indicated a problem with the payment card number. The customer should contact their bank and use an alternate payment card.
22	The customer’s bank (Card Issuer) cannot be contacted during the transaction. The customer should check the payment card information and try processing the transaction again.
23	An unspecified error has occurred.
25	The customer’s bank (Card Issuer) does not recognize the payment card details. The customer should check the payment card information and try processing the transaction again.
30	The customer’s bank (Card Issuer) does not recognize the transaction details. The customer should check the transaction information and try processing the transaction again.
31	The customer’s bank (Card Issuer) has declined the transaction as it does not allow transactions originating through mail, telephone, fax, email, or Internet orders. This error occurs with customers attempting to use a Discover Card. The customer should use an alternate payment card.
33	The customer’s bank (Card Issuer) has declined the transaction as the payment card has expired or the date is incorrect. Check the expiry date in the transaction and try processing the transaction again.
34	The customer’s bank (Card Issuer) has declined the transaction as there is a suspected fraud on this payment card number.
35	The customer’s bank (Card Issuer) has declined the transaction and requested that the customer’s payment card be retained (card reported lost or stolen). The customer should use an alternate payment card.
36	The customer’s bank (Card Issuer) has declined the transaction and requested to retain the customer’s payment card (card reported lost or stolen). The customer should use an alternate payment card.
37	The customer’s bank (Card Issuer) has declined the transaction and requested to retain the customer’s payment card (card reported lost or stolen). The customer should use an alternate payment card.
38	The customer’s bank (Card Issuer) has declined the transaction as the customer has entered the incorrect PIN three times. The customer’s bank (Card Issuer) has requested you to retain the payment card. The customer should contact the bank and use an alternative card.
39	The customer’s bank has declined the transaction as the payment card number used is not a credit account. The customer should use an alternate payment card.
40	The customer’s bank (Card Issuer) has declined the transaction as it does not allow this type of transaction. The customer should use an alternate payment card.
41	The customer’s bank (Card Issuer) has declined the transaction as the card has been reported lost. The customer should use an alternate payment card.
42	The customer’s bank (Card Issuer) has declined the transaction as the account type selected is not valid for this payment card number. The customer should use an alternate payment card.
43	The customer’s bank (Card Issuer) has declined the transaction as the card has been reported stolen. The customer should use an alternate payment card.
44	The customer’s bank (Card Issuer) has declined the transaction as the account type selected is not valid for this payment card number. The customer should use an alternate payment card.
46	Closed account
51	The customer’s bank (Card Issuer) has declined the transaction as the payment card does not have sufficient funds. The customer should use an alternate payment card.
52	The customer’s bank (Card Issuer) has declined the transaction as the payment card number is associated with a cheque account that does not exist. The customer should use an alternate payment card.
53	The customer’s bank (Card Issuer) has declined the transaction as the payment card number is associated with a savings account that does not exist. The customer should use an alternate payment card.
54	The customer’s bank (Card Issuer) has declined the transaction as the payment card appears to have expired. The customer should check the expiry date entered and try again, or use an alternate payment card.
55	The customer’s bank (Card Issuer) has declined the transaction as the customer has entered an incorrect PIN. The customer should re-enter their PIN or use an alternate payment card.
56	The customer’s bank has declined the transaction as the payment card number does not exist. The customer should use an alternate payment card.
57	The customer’s bank has declined the transaction as this payment card cannot be used for this type of transaction. The customer should use an alternate payment card.
58	The customer’s bank has declined the transaction as this payment card cannot be used for this type of transaction. This may be associated with a test payment card number. The customer should use an alternate payment card.
59	The customer’s bank has declined this transaction as the payment card appears to be fraudulent.
60	The customer’s bank (Card Issuer) has declined the transaction. The customer should contact their bank and retry the transaction.
61	The customer’s bank has declined the transaction as it will exceed the customer’s card limit. The customer should use an alternate payment card.
62	The customer’s bank has declined the transaction as the payment card has some restrictions. The customer should use an alternate payment card.
63	The customer’s bank has declined the transaction. The customer should use an alternate payment card.
64	The customer’s bank has declined the transaction due to the amount attempting to be processed. The customer should check the transaction amount and try again.
65	Exceeds withdrawal frequency limit
66	The customer’s bank has declined the transaction and request you to contact the bank. The customer should use an alternate payment card.
67	The customer’s bank has declined the transaction as the card is suspected to be counterfeit. The customer’s bank (Card Issuer) has requested that your customer’s payment card be retained. The customer should use an alternate payment card.
75	The customer’s bank has declined the transaction as the customer has entered the incorrect PIN more than three times. The customer should use an alternate payment card.
82	The customer’s bank has declined the transaction as the CVV is incorrect. The customer should check the CVV details and try again. If not successful, the customer should use an alternate payment card.
83	Ensure card information is correct. Authentication may improve the likelihood of an approval. Retry using correct card information or authentication (such as EMV 3DS).
90	The customer’s bank is temporarily not able to process this customer’s payment card. The customer should attempt to process this transaction again.
91	The customer’s bank is unable to be contacted to authorize the transaction. The customer should attempt to process this transaction again.
92	The customer’s bank cannot be found for routing. This response code is often returned when the customer is using a test payment card number. The customer should attempt to process this transaction again.
93	The customer’s bank has declined the transaction and requested the customer to contact their bank. The customer should use an alternate payment card.
94	The customer’s bank has declined the transaction as this transaction appears to be a duplicate transmission. No action required.
96	The customer’s bank was not able to process the transaction. The customer should attempt to process this transaction again.
Z2	Transaction has been reversed, hence cannot be reversed anymore.
Z3	The customer's bank has declined the capture transaction since the amount is greater than the authorized amount. The customer should use an alternate payment card.
BA	Transaction failed. Customers should try using another card. The customer should contact their bank and should use an alternate payment card.
6P	Account number did not pass a verification check
AG	Original Transaction Not Found (Only for Mandiri Issuing Card)
AJ	Posting is Already Completed (Only for Mandiri Issuing Card)

Additional Response Codes For VISA:

Code	Description
8	Transaction approved with ID
68	Time out
71	PIN Not Changed
76	Unable to locate previous message (no match on retrieval reference number)
77	Previous message located for a repeat or reversal, but repeat or reversal data inconsistent with original message
78	Blocked, first used — Transaction from new cardholder, and card not properly unblocked
79	Transaction reversed
80	Visa transactions: credit issuer unavailable. Private label: invalid date
81	PIN cryptographic error found (error found by VIC security module during PIN decryption)
82	Negative Online CAM, dCVV, iCVV, or CVV results Or Offline PIN authentication interrupted
83	STIP cannot approve
84	Pre-auth time too great
85	No reason to decline request for account number verification, address verification, CVV2 verification, or credit voucher or merchandise return
86	Cannot verify PIN
87	Purchase Amount Only, No Cash Back Allowed
88	Unable to authorize
89	Ineligible to receive
91	Issuer unavailable or switch inoperative (STIP not applicable or available for this transaction) Issuers can respond with this code, which V.I.P. passes to the acquirer without invoking stand-in processing (STIP). Issuer processors use the code to indicate they cannot perform authorization on issuers’ behalf. Code causes decline at POS.
1A	Additional customer authentication required
B1	B116 Surcharge amount not permitted on Visa cards
B2	Surcharge not supported
N0	Unable to authorize. Transaction failed. Customers should try using another card.
N3	Cash service not available
N4	Cashback request exceeds issuer limit
N5	Resubmitted transaction over max days limit
N7	Decline for CVV2 failure The customer’s bank has declined the transaction as the CVV is incorrect. The customer should check the CVV details and try again. If not successful, the customer should use an alternate payment card.
N8	Transaction amount exceeds pre-authorized approval amount
P2	P2 Invalid biller information
P5	PIN change/unblock request declined
P6	Unsafe PIN
R0	Stop payment order
R1	Revocation of authorization order
R3	Revocation of all authorizations order
Z3	Unable to go online; declined
XA	Forward to issuer
XD	Forward to issuer
Q1	Card authentication failed Or Offline PIN authentication interrupted
Q5	Transaction has been settled, hence cannot be settled anymore.
T0	Approval, keep first check
T1	Check OK, no conversion
T2	Invalid RTTN
T3	Amount greater than limit
T4	Unpaid items, failed NEG
T5	Duplicate check number
T6	MICR error
T7	Too many checks
W1	Declined - multiple exemptions selected
W2	Declined – selected exemption is invalid for the card brand of the transaction
5C	Transaction not supported/blocked by issuer
9G	Blocked by cardholder/contact cardholder

Additional Response Code From MASTERCARD Payment Network:

Code	Description
70	Contact Card Issuer
71	PIN Not Changed
72	Accounts Not Yet Activated
76	Invalid/nonexistent To Account specified
77	Invalid/nonexistent From Account specified
78	Invalid/nonexistent account specified (general)
79	Lifecycle Declines
80	System not available
81	Domestic Debit Transaction Not Allowed (Regional use only)
82	Policy Declines
83	Fraud/Security
84	Invalid Authorization Life Cycle
85	Not declined. Valid for all zero amount transactions.
86	PIN Validation not possible
87	Purchase Amount Only, No Cash Back Allowed
88	Cryptographic failure
89	Unacceptable PIN—Transaction Declined—Retry

Additional Response Code From AMEX (AMERICAN EXPRESS):

Code	Description
000	Approved Please be noted, 00 in Amex also mark as Approved (Refer to common response codes above)
001	Approved with ID
002	Partial Approval (Prepaid Cards only)
100	Deny
101	Expired Card / Invalid Expiration Date
106	Exceeded PIN attempts
107	Please Call Issuer
109	Invalid merchant
110	Invalid amount
111	Invalid account / Invalid MICR (Travelers Cheque)
115	Requested function not supported
117	Invalid PIN
119	Cardmember not enrolled / not permitted
122	Invalid card security code (a.k.a., CID, 4DBC, 4CSC)
125	Invalid effective date
181	Format error
183	Invalid currency code
187	Deny - New card issued
189	Deny - Canceled or Closed Merchant/SE
200	Deny - Pick up card
900	Accepted - ATC Synchronization
909	System Malfunction (Cryptographic error)
912	Issuer not available

Additional Response Codes From Midtrans:

Code	Description
E9	Generic Error if network response code is empty from bank or processor
1	Request-ID not present in request
110	Unauthorized
112	Wallet Blocked
123	KYC not approved
132	transaction in progress error
153	Invalid intent-token combination
156	Payment method currently disabled
158	invalid transaction type; should be either of REFUND or REVERT
159	Payment option token passed is invalid
161	unsupported service country
164	validate credit not supported (unsupported payment option & service country combination)
201	Not Enough Balance
202	Excessive Balance
213	Monthly wallet balance limit exceeded
220	Currency mismatch. Example: Attempt to perform a transaction using SGD on ID wallet
303	Field cannot be blank
803	Card used as payment method could not be found
811	Reservation failed due to low balance
817	Payment rejected by the backend
831	Card used as payment method has expired
900	Generic Service Error
903	Forbidden Operation
1804	Order already queued or fulfilled
1818	Order already canceled
1823	Order expired
2101	Invalid amount
2700	Unsupported country
2701	Country and currency combinations do not match
2903	Invalid request error
3007	Order not found
3066	Order not in CREATED state
3067	Order not in cancellable state
3073	Order Already In terminal status
3076	Max permissible refund instructions exceeded error
3077	Max permissible payment instructions exceeded
4060	Order rejected by Fraud Rules Service
6302	Payer blocked due to OFAC match rule
6303	Payee blocked due to OFAC match rule
11009	Payment Provider Challenged Auth
11010	Payment Provider Challenge Failed
11017	Merchant blocked from using payment method