Card Channel Response Code

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Card Channel Response Code Improvement

In order to enhance our services, we are standardizing the API Responses Code for Midtrans payment methods with cards, which will be implemented gradually on March 1, 2024. We urge you to promptly check the latest API, now available in Sandbox mode, and make necessary configuration changes according to your needs to ensure smooth transaction processes. Please review the changes in the API response codes provided.

For more details, please refer to Card Channel Response Code Improvement



Host-to-Host


Banks included in this category are CIMB Niaga, Bank Mandiri, BNI, and Bank Mega.


Response CodeMessageDescription
00ApprovedTransaction was successful.
01Refer to IssuerThe 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.
02Refer to Issuer, specialThe 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.
03No MerchantThe Merchant ID is invalid. You should contact your Bank and ensure that you have provided the correct Merchant Account Number.
04Pick Up CardThe customer’s bank (Card Issuer) has declined the transaction and requests to retain customer's payment card. This happens when the card is reported to be lost or stolen. The customer should use an alternate payment card.
05Do Not HonorThe 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.
06ErrorThe 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.
07Pick Up Card, SpecialThe 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.
09Request In ProgressThe 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.
12Invalid TransactionThe 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.
13Invalid AmountAn invalid character such as a symbol or space, is passed to the Midtrans. Check your code implementation. Note: This error happens only in Sandbox environment. For Production environment the amount is verified by Midtrans.
14Invalid Card NumberThe 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.
15No IssuerThe customer’s bank (Card Issuer) does not exist. Check the payment card information and try processing the transaction again.
19Re-enter Last TransactionThe transaction has not been processed and the customer should attempt to process the transaction again.
21No Action TakenThe 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.
22Suspected MalfunctionThe 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.
23Unacceptable Transaction FeeAn unspecified error has occurred.
25Unable to Locate Record On FileThe 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.
30Format ErrorThe customer’s bank (Card Issuer) does not recognize the transaction details. The customer should check the transaction information and try processing the transaction again.
31Bank Not Supported By SwitchThe 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.
33Expired Card, CaptureThe customer’s bank (Card Issuer) has declined the transaction as payment card has expired or the date is incorrect. Check the expiry date in the transaction and try processing the transaction again.
34Suspected Fraud, Retain CardThe customer’s bank (Card Issuer) has declined the transaction as there is a suspected fraud on this payment card number.
35Card Acceptor, Contact Acquirer, Retain CardThe 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.
36Restricted Card, Retain CardThe 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.
37Contact Acquirer Security Department, Retain CardThe 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.
38PIN Tries Exceeded, CaptureThe 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 alternative card.
39No Credit AccountThe 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.
40Function Not SupportedThe 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.
41Lost CardThe customer’s bank (Card Issuer) has declined the transaction as the card has been reported lost. The customer should use an alternate payment card.
42No Universal AccountThe 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.
43Stolen CardThe customer’s bank (Card Issuer) has declined the transaction as the card has been reported stolen. The customer should use an alternate payment card.
44No Investment AccountThe 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.
51Insufficient FundsThe 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.
52No Cheque AccountThe customer’s bank (Card Issuer) has declined the transaction as the payment card number is associated to a cheque account that does not exist. The customer should use an alternate payment card.
53No Savings AccountThe customer’s bank (Card Issuer) has declined the transaction as the payment card number is associated to a savings account that does not exist. The customer should use an alternate payment card.
54Expired CardThe 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.
55Incorrect PINThe 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.
56No Card RecordThe customer’s bank has declined the transaction as the payment card number does not exist. The customer should use an alternate payment card.
57Function Not Permitted to CardholderThe 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.
58Function Not Permitted to TerminalThe 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.
59Suspected FraudThe customer’s bank has declined this transaction as the payment card appears to be fraudulent.
60Acceptor Contact AcquirerThe customer’s bank (Card Issuer) has declined the transaction. The customer should contact their bank and retry the transaction.
61Exceeds Withdrawal LimitThe customer’s bank has declined the transaction as it will exceed the customer’s card limit. The customer should use an alternate payment card.
62Restricted CardThe customer’s bank has declined the transaction as the payment card has some restrictions. The customer should use an alternate payment card.
63Security ViolationThe customer’s bank has declined the transaction. The customer should use an alternate payment card.
64Original Amount IncorrectThe 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.
66Acceptor Contact Acquirer, SecurityThe customer’s bank has declined the transaction and request you to contact the bank. The customer should use an alternate payment card.
67Capture CardThe 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.
75PIN Tries ExceededThe 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.
82CVV Validation ErrorThe 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.
83Suspected FraudEnsure card information is correct. Authentication may improve likelihood of an approval. Retry using correct card information or authentication (such as EMV 3DS).
90Cutoff In ProgressThe customer’s bank is temporarily not able to process this customer’s payment card. The customer should attempt to process this transaction again.
91Card Issuer UnavailableThe customer’s bank is unable to be contacted to authorize the transaction. The customer should attempt to process this transaction again.
92Unable To Route TransactionThe 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.
93Cannot Complete, Violation Of The LawThe customer’s bank has declined the transaction and requested the customer to contact their bank. The customer should use an alternate payment card.
94Duplicate TransactionThe customer’s bank has declined the transaction as this transaction appears to be a duplicate transmission. No action required.
96System ErrorThe customer’s bank was not able to process the transaction. The customer should attempt to process this transaction again.
N0CSC not provided - credit transaction is not allowedTransaction failed. Customers should try using another card.
N7Decline for CVV2 failure (for Visa cards only)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.
Q5Already settled - can't settle twice in a dayTransaction has been settled, hence cannot be settled anymore.
Z2The transaction has already been reversedTransaction has been reversed, hence cannot be reversed anymore.
Z3Transaction amount is greater than authorizedThe 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.
BAReattempt Block by Acquirer(for Acquirer Mandiri only)Transaction failed. Customers should try using another card. The customer should contact their bank and should use an alternate payment card.



MIGS


Banks included in this category are: BCA, BRI, Maybank.


CodeMessageExplanation
0Transaction SuccessfulTransaction was successful.
?Response UnknownNeed to check directly with the Acquiring Bank.
1Transaction could not be processedThere is an issue with merchant's account or the ID. Or the Access Code used is incorrect.
2Transaction Declined – Contact Issuing BankThe customer should contact their bank and use an alternate payment card.
3Declined – No reply from BankThe customer should use an alternate payment card.
4Transaction Declined – Expired CardThe customer’s bank (Card Issuer) has declined the transaction as payment card has expired or the date is incorrect. Check the expiry date in the transaction and try processing the transaction again.
5Transaction Declined – Insufficient creditThe 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.
6Transaction Declined – Bank system errorThe customer's bank or the acquiring bank experienced a system error.
7Payment Server Processing ErrorTypically caused by invalid input data such as an invalid payment card number. Processing errors can also occur. The customer should check the payment card information and try processing the transaction again.
8Transaction Declined – Transaction Type Not SupportedThe 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.
9Bank Declined Transaction (Do not contact Bank)The customer should use an alternate payment card. Can be caused by following reasons:
  • Transaction Aborted (A)
  • Transaction Blocked (B)
  • Transaction Cancelled (C)
  • Deferred Transaction (D)
  • Transaction Declined – Refer to card issuer (E)
  • Authentication Failed (F)
  • Card Security Code Failed (I)
  • Shopping Transaction Locked - This indicates that there is another transaction taking place using the same shopping transaction number (L)
  • Cardholder is not enrolled in 3D Secure - Authentication Only (N)
  • Transaction is Pending (P)
  • Retry Limits Exceeded, Transaction Not Processed (R)
  • Card Security Code Failed (U)



Cybersource


Banks included in this category are: BCA, BRI


CodeMessageDescription
00Approved and completed successfullyTransaction was successful.
01Refer to card issuerThe customer’s bank (Card Issuer) has indicated a problem with the payment card number. The customer should contact their bank and should
02Refer to card issuer, special conditionThe 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.
03Invalid merchantThe Merchant ID is invalid. You should contact your Bank and ensure that you have provided the correct Merchant Account Number.
04Pick up card (no fraud)The customer’s bank (Card Issuer) has declined the transaction and requests to retain customer's payment card. This happens when the card is reported to be lost or stolen. The customer should use an alternate payment card.
05Do not honorThe 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.
06ErrorThe 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.
07Pick up card, special condition (fraud account)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.
10Partial approval
11Approved (V.I.P)
12Invalid transactionThe 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.
13Invalid amount or currency conversion field overflowAn invalid character such as a symbol or space, is passed to the Midtrans. Check your code implementation. Note: This error happens only in Sandbox environment. For Production environment the amount is verified by Midtrans.
14Invalid account number (no such number)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.
15No such issuerThe customer’s bank (Card Issuer) does not exist. Check the payment card information and try processing the transaction again.
19Re-enter transactionThe transaction has not been processed and the customer should attempt to process the transaction again.
21No action takenThe 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.
25Unable to locate record in fileThe 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.
28File temporarily not available for update or inquiry
39No credit accountThe 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.
41Lost card, pick up (fraud account)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.
43Stolen card, pick up (fraud account)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.
51Not sufficient fundsThe 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.
52No checking accountThe customer’s bank (Card Issuer) has declined the transaction as the payment card number is associated to a cheque account that does not exist. The customer should use an alternate payment card.
53No savings accountThe customer’s bank (Card Issuer) has declined the transaction as the payment card number is associated to a savings account that does not exist. The customer should use an alternate payment card.
54Expired card or expiration date is missingThe 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.
55Incorrect PIN or PIN missingThe 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.
57Transaction not permitted to cardholderThe 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.
58Transaction not allowed at terminalThe 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.
59Suspected fraudThe customer’s bank has declined this transaction as the payment card appears to be fraudulent.
61Exceeds approval amount limitThe customer’s bank has declined the transaction as it will exceed the customer’s card limit. The customer should use an alternate payment card.
62Restricted card (card invalid in this region or country)The customer’s bank has declined the transaction as the payment card has some restrictions. The customer should use an alternate payment card.
63Security violation (source is not correct issuer)The customer’s bank has declined the transaction. The customer should use an alternate payment card.
64Transaction does not fulfill AML requirementThe 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.
65Exceeds withdrawal frequency limit
70PIN data required
74Different value than that used for PIN encryption errors
75Allowable number of PIN entry tries exceededThe 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.
76Unsolicited reversal
78“Blocked, first used”—Transaction from new cardholder, and card not properly unblocked
79Already reversed (by Switch)
80No financial impact
81Cryptographic error found in PIN
82Negative CAM, dCVV, iCVV, or CVV results
83Suspected FraudEnsure card information is correct. Authentication may improve likelihood of an approval. Retry using correct card information or authentication (such as EMV 3DS).
85No reason to decline a request for address verification, CVV2 verification, or a credit voucher or merchandise return
86Cannot verify PIN; for example, no PVV
89Ineligible to receive financial position information (GIV)
91Issuer or switch inoperative and STIP not applicable or not available for this transaction; Time-out when no stand-in; POS Check Service: Destination unavailable; Credit Voucher and Merchandise Return Authorizations: V.I.P. sent the transaction to the issuer, but the issuer was unavailable.
92Financial institution or intermediate network facility cannot be found for routing (receiving institution ID is invalid)
93Transaction cannot be completed - violation of law
1AAdditional customer authentication required
B1Surcharge amount not permitted on Visa cards or EBT food stamps (U.S. acquirers only)
B2Surcharge amount not supported by debit network issuer.
N0Force STIPTransaction failed. Customers should try using another card.
N3Cash service not available
N4Cash request exceeds issuer or approved limit
N5Ineligible for resubmission
N7Decline for CVV2 failureThe 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.
N8Transaction amount exceeds preauthorized approval amount
P5Denied PIN unblock—PIN change or unblock request declined by issuer
P6Denied PIN change—requested PIN unsafe
Q1Card Authentication failed
R0Stop Payment Order
R2Transaction does not qualify for Visa PIN
R3Revocation of all authorizations order
Z3Unable to go online; offline-declinedThe 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.



MPGS


Banks included in this category are: BCA, BRI, American Express


CodeSnap Checkout CodeMessageDescription
APPROVED-Transaction Successful
UNSPECIFIED_FAILUREMPGS01Transaction could not be processed
DECLINEDMPGS02Transaction Declined - Contact Issuing BankThe requested operation was not successful. For example, a payment was declined by issuer or payer authentication was not able to be successfully completed.
TIMED_OUTMPGS03Transaction Declined - No reply from Bank
EXPIRED_CARDMPGS04Transaction Declined - Expired CardTransaction declined due to expired card.
INSUFFICIENT_FUNDSMPGS05Transaction Declined - Insufficient CreditTransaction declined due to insufficient funds.
ACQUIRER_SYSTEM_ERRORMPGS06Transaction Declined - Bank system errorAcquirer system error occured processing the transaction.
SYSTEM_ERRORMPGS07Payment Server Processing ErrorInternal system error occurred processing the transaction, typically caused by invalid input data such as a credit card number. Processing errors can also occur.
NOT_SUPPORTEDMPGS08Transaction Declined - Transaction Type not supported
DECLINED_DO_NOT_CONTACTMPGS09Bank Declined Transaction (Do not contact Bank)Transaction declined - do not contact issuer.
ABORTEDMPGS10Transaction AbortedTransaction aborted by card holder.
BLOCKEDMPGS11Transaction BlockedTransaction blocked due to Risk or 3D Secure blocking rules. Returned when: - the Verification Security Level has a value of '07', - The merchant has 3D-Secure blocking enabled, -the overall risk assessment result returns a 'Reject' or 'System Reject'.
CANCELLEDMPGS12Transaction CancelledTransaction cancelled by card holder.
DEFERRED_TRANSACTION_RECEIVEDMPGS13Deferred TransactionDeferred transaction received and awaiting processing.
REFERREDMPGS14Transaction Declined - Refer to card issuer
AUTHENTICATION_FAILEDMPGS153D Secure Authentication Failed
INVALID_CSCMPGS16Card Security Code FailedInvalid card security code.
LOCK_FAILUREMPGS17Shopping Transaction LockedOrder locked - another transaction is in progress for this order. This indicates that there is another transaction taking place using the same shopping transaction number.
SUBMITTEDMPGS18Transaction submitted - response has not yet been receivedTransaction Submitted (the transaction has been directed to the acquirer, but the Payment Server has not yet received it to complete the transaction).
NOT_ENROLLED_3D_SECUREMPGS19Cardholder not enrolledCardholder not enrolled in 3DSecure (authentication only).
PENDINGMPGS20Transaction is Pending
EXCEEDED_RETRY_LIMITMPGS21Retry Limits Exceeded, Transaction Not Processed
DUPLICATE_BATCHMPGS22Transaction Declined - Duplicate BatchTransaction declined due to duplicate batch.
DECLINED_AVSMPGS23Address Verification FailedTransaction declined due to address verification.
DECLINED_CSCMPGS24Card Security Code FailedTransaction declined due to card security code.
DECLINED_AVS_CSCMPGS25Address Verification and Card Security Code FailedTransaction declined due to address verification and card security code.
DECLINED_PAYMENT_PLANMPGS26Transaction Declined - Payment Plan not supported
APPROVED_PENDING_SETTLEMENT-Transaction Approved - pending batch settlementApproved pending settlement - Approved by a batch settlement system, but still awaiting further details from the acquirer.
INVALID_REQUESTMPGS27The request was rejected because it did not conform to the API protocol.Please check the channel_response_message attribute for more details of the error.
UNKNOWNMPGS28Response unknown



Card Channel Response Code Improvement

Sandbox: 1 February 2024
Production: 1 March 2024


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

CodeDescription
00Transaction was successful.
01The 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.
02The 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.
03The Merchant ID is invalid. You should contact your Bank and ensure that you have provided the correct Merchant Account Number.
04The 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.
05The 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.
06The 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.
07The 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.
09The 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.
12The 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.
13An 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.
14The 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.
15The customer’s bank (Card Issuer) does not exist. Check the payment card information and try processing the transaction again.
19The transaction has not been processed and the customer should attempt to process the transaction again.
21The 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.
22The 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.
23An unspecified error has occurred.
25The 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.
30The customer’s bank (Card Issuer) does not recognize the transaction details. The customer should check the transaction information and try processing the transaction again.
31The 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.
33The 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.
34The customer’s bank (Card Issuer) has declined the transaction as there is a suspected fraud on this payment card number.
35The 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.
36The 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.
37The 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.
38The 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.
39The 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.
40The 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.
41The customer’s bank (Card Issuer) has declined the transaction as the card has been reported lost. The customer should use an alternate payment card.
42The 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.
43The customer’s bank (Card Issuer) has declined the transaction as the card has been reported stolen. The customer should use an alternate payment card.
44The 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.
51The 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.
52The 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.
53The 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.
54The 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.
55The 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.
56The customer’s bank has declined the transaction as the payment card number does not exist. The customer should use an alternate payment card.
57The 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.
58The 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.
59The customer’s bank has declined this transaction as the payment card appears to be fraudulent.
60The customer’s bank (Card Issuer) has declined the transaction. The customer should contact their bank and retry the transaction.
61The customer’s bank has declined the transaction as it will exceed the customer’s card limit. The customer should use an alternate payment card.
62The customer’s bank has declined the transaction as the payment card has some restrictions. The customer should use an alternate payment card.
63The customer’s bank has declined the transaction. The customer should use an alternate payment card.
64The 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.
66The customer’s bank has declined the transaction and request you to contact the bank. The customer should use an alternate payment card.
67The 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.
75The 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.
82The 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.
83Ensure card information is correct. Authentication may improve the likelihood of an approval. Retry using correct card information or authentication (such as EMV 3DS).
90The customer’s bank is temporarily not able to process this customer’s payment card. The customer should attempt to process this transaction again.
91The customer’s bank is unable to be contacted to authorize the transaction. The customer should attempt to process this transaction again.
92The 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.
93The customer’s bank has declined the transaction and requested the customer to contact their bank. The customer should use an alternate payment card.
94The customer’s bank has declined the transaction as this transaction appears to be a duplicate transmission. No action required.
96The customer’s bank was not able to process the transaction. The customer should attempt to process this transaction again.
Z2Transaction has been reversed, hence cannot be reversed anymore.
Z3The 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.
BATransaction failed. Customers should try using another card. The customer should contact their bank and should use an alternate payment card.

Additional Response Codes For VISA:

CodeDescription
8Transaction approved with ID
68Time out
71PIN Not Changed
76Unable to locate previous message (no match on retrieval reference number)
77Previous message located for a repeat or reversal, but repeat or reversal data inconsistent with original message
78Blocked, first used — Transaction from new cardholder, and card not properly unblocked
79Transaction reversed
80Visa transactions: credit issuer unavailable. Private label: invalid date
81PIN cryptographic error found (error found by VIC security module during PIN decryption)
82Negative Online CAM, dCVV, iCVV, or CVV results Or Offline PIN authentication interrupted
83STIP cannot approve
84Pre-auth time too great
85No reason to decline request for account number verification, address verification, CVV2 verification, or credit voucher or merchandise return
86Cannot verify PIN
87Purchase Amount Only, No Cash Back Allowed
88Unable to authorize
89Ineligible to receive
91Issuer 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.
1AAdditional customer authentication required
B1B116 Surcharge amount not permitted on Visa cards
B2Surcharge not supported
N0Unable to authorize. Transaction failed. Customers should try using another card.
N3Cash service not available
N4Cashback request exceeds issuer limit
N5Resubmitted transaction over max days limit
N7Decline 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.
N8Transaction amount exceeds pre-authorized approval amount
P2P2 Invalid biller information
P5PIN change/unblock request declined
P6Unsafe PIN
R0Stop payment order
R1Revocation of authorization order
R3Revocation of all authorizations order
Z3Unable to go online; declined
XAForward to issuer
XDForward to issuer
Q1Card authentication failed Or Offline PIN authentication interrupted
Q5Transaction has been settled, hence cannot be settled anymore.
T0Approval, keep first check
T1Check OK, no conversion
T2Invalid RTTN
T3Amount greater than limit
T4Unpaid items, failed NEG
T5Duplicate check number
T6MICR error
T7Too many checks
W1Declined - multiple exemptions selected
W2Declined – selected exemption is invalid for the card brand of the transaction

Additional Response Code From MASTERCARD Payment Network:

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

Additional Response Code From AMEX (AMERICAN EXPRESS):

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

Additional Response Codes From Midtrans:

CodeDescription
E9Generic Error if network response code is empty from bank or processor
1Request-ID not present in request
110Unauthorized
112Wallet Blocked
123KYC not approved
132transaction in progress error
153Invalid intent-token combination
156Payment method currently disabled
158invalid transaction type; should be either of REFUND or REVERT
159Payment option token passed is invalid
161unsupported service country
164validate credit not supported (unsupported payment option & service country combination)
201Not Enough Balance
202Excessive Balance
213Monthly wallet balance limit exceeded
220Currency mismatch. Example: Attempt to perform a transaction using SGD on ID wallet
303Field cannot be blank
803Card used as payment method could not be found
811Reservation failed due to low balance
817Payment rejected by the backend
831Card used as payment method has expired
900Generic Service Error
903Forbidden Operation
1804Order already queued or fulfilled
1818Order already canceled
1823Order expired
2101Invalid amount
2700Unsupported country
2701Country and currency combinations do not match
2903Invalid request error
3007Order not found
3066Order not in CREATED state
3067Order not in cancellable state
3073Order Already In terminal status
3076Max permissible refund instructions exceeded error
3077Max permissible payment instructions exceeded
4060Order rejected by Fraud Rules Service
6302Payer blocked due to OFAC match rule
6303Payee blocked due to OFAC match rule
11009Payment Provider Challenged Auth
11010Payment Provider Challenge Failed
11017Merchant blocked from using payment method