Card Channel Response Code

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