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    Bank response codes

    Overview

    This document lists the bank related response codes returned from the Payment API. The "Message ID" and "Cardholder message" columns correspond to the response.message and response.message_id properties returned by the API response object. The "Merchant message" column contains an additional detailed message that is not returned by the API.

    Responses are broken into 3 groups: gateway, credit card and Interac Online. Responses related to credit card transactions are sub-grouped by processor (Chase Paymentech, Desjardins, Elavon, First Data, Global, TD, Vital). If you are processing transactions against a test account you will receive responses from our emulator, rather than a processor.

    You should only map your responses handlers against message IDs as message strings are not guaranteed to be consistent over time.

    Gateway responses

    Message ID Cardholder message Merchant message
    14 Invalid expiration date Invalid expiration date
    16 Duplicate Transaction – This transaction has already been approved Duplicate Transaction – This transaction has already been approved
    21 Validation is less than the minimum amount Validation is less than the minimum amount
    22 Validation greater than maximum amount Validation greater than maximum amount
    26 Invalid expiry date Invalid expiry date
    49 Invalid transaction request string Invalid transaction request string
    50 Invalid transaction type Invalid transaction type
    51 DECLINE Restricted Card or IP
    52 Invalid Card Number Invalid Card Number
    53 Application Error - Sending Request Application Error - Sending Request
    54 Transaction timeout - No available device Transaction timeout - No available device
    55 Transaction timeout - No transaction Response Transaction timeout - No transaction Response
    56 Application Error - Retrieving Response Application Error - Retrieving Response
    59 Declined - Operation must be performed by Master Merchant Declined - Operation must be performed by Master Merchant
    60 Declined - Operation restricted through Master Merchant Declined - Operation restricted through Master Merchant
    190 Unknown transaction response Unknown transaction response
    191 Invalid Transaction Amount Invalid Transaction Amount
    192 Transaction cannot be voided after being returned Transaction cannot be voided after being returned
    193 Amount does not match the transaction you are modifying. Amount does not match the transaction you are modifying.
    194 Transaction exceeds return limit. Transaction exceeds return limit.
    195 Invalid adjustment amount. Invalid adjustment amount.
    196 Original purchase transaction has been voided Original purchase transaction has been voided
    197 Transactions cannot be adjusted to a zero or negative value Transactions cannot be adjusted to a zero or negative value
    198 Zero value transactions cannot be voided Zero value transactions cannot be voided
    199 Credit card does not match original purchase. Credit card does not match original purchase.
    200 Transaction cannot be adjusted Transaction cannot be adjusted
    201 Invalid transaction adjustment ID Invalid transaction adjustment ID
    202 Invalid order number Invalid order number
    203 Pre-Authorization already completed Pre-Authorization already completed
    204 Declined: Use Pre-Auth Completion Declined: Use Pre-Auth Completion
    205 Transaction only voidable on the date processed Transaction only voidable on the date processed
    206 Account missing terminal id Account missing terminal id
    207 Invalid merchant id Invalid merchant id
    208 Completion greater than remaining reserve amount. Completion greater than remaining reserve amount.
    209 Merchant Account Disabled Merchant Account Disabled
    210 Merchant Account Closed Merchant Account Closed
    211 Service Unavailable - Please try again later Service Unavailable - Please try again later
    212 Service Unavailable - Please try again later Service Unavailable - Please try again later
    214 Transaction reversed Transaction reversed
    215 Address Validation Failed Address Validation Failed
    217 DECLINE Transaction Declined TR
    218 DECLINE Transaction Declined AC
    297 Service Unavailable - Please try again later Service Unavailable - Please try again later
    298 Service Unavailable - Please try again later Service Unavailable - Please try again later
    299 Service Unavailable - Please try again later Service Unavailable - Please try again later
    300 Service Unavailable - Please try again later Service Unavailable - Please try again later
    301 Service Unavailable - Please try again later Service Unavailable - Please try again later
    302 Service Unavailable - Please try again later Service Unavailable - Please try again later
    303 Service Unavailable - Please try again later Service Unavailable - Please try again later
    304 Service Unavailable - Please try again later Service Unavailable - Please try again later
    305 Service Unavailable - Please try again later Service Unavailable - Please try again later
    306 Service Unavailable - Please try again later Service Unavailable - Please try again later
    307 Service Unavailable - Please try again later Service Unavailable - Please try again later
    308 Service Unavailable - Please try again later Service Unavailable - Please try again later
    309 Service Unavailable - Please try again later Service Unavailable - Please try again later
    310 Service Unavailable - Please try again later Service Unavailable - Please try again later
    311 3D Secure Failed 3D Secure Failed
    312 Card type not accepted Card type not accepted
    313 DECLINE Over sales limit
    314 Missing or invalid payment information - Please validate all required payment information. Missing or invalid consumer payment information
    315 CALL HELP DESK HTTPS Connection Required
    316 CALL HELP DESK Invalid transaction validation type
    317 CALL HELP DESK Authentication Failed
    318 CALL HELP DESK No transaction request data received
    319 CALL HELP DESK Transaction Declined - Restricted transaction type
    320 CALL HELP DESK Missing errorPage URL
    321 CALL HELP DESK Missing or invalid return URL
    322 CALL HELP DESK Transaction amount does not match inventory calculation
    323 CALL HELP DESK One or more products not found in inventory
    324 CALL HELP DESK Invalid product quantity
    325 File Transfer Approved File Transfer Approved
    326 Declined - Invalid bank account Declined - Invalid bank account
    558 Decline Decline
    559 No Transaction Found No Transaction Found
    560 Transaction In Process Transaction In Process
    632 Decline Max number of recurring billing accounts reached
    674 Payment declined Payment declined
    681 Payment method not accepted on this account Payment method not accepted on this account
    682 Decline Decline
    683 Declined. Missing or invalid merchant data. Declined. Missing or invalid merchant data.
    760 Multiple Transaction Matches Found Multiple Transaction Matches Found
    761 Payment Cancelled Payment Cancelled
    762 Expired session. Transaction not completed in allocated time. Expired session. Transaction not completed in allocated time.
    788 Duplicate Order Number - This order number has already been processed Duplicate Order Number - This order number has already been processed
    789 Card Number Mismatch Card Number Mismatch
    792 Credit card must support 3D Secure VBV or SecureCode Credit card must support 3D Secure VBV or SecureCode
    793 Address validation failed. Transaction reversed. Address validation failed. Transaction reversed.
    800 Invalid customer code (token) Invalid customer code (token)
    801 Card number missing for given customer code (token) Card number missing for given customer code (token)
    802 Declined HASH EXPIRED Declined HASH EXPIRED
    804 Declined - Entered Information Cannot Be Authenticated Declined - Entered Information Cannot Be Authenticated
    807 Batch close completed successfully Batch close completed successfully
    808 Batch close failed on all terminals Batch close failed on all terminals
    809 Batch close on one or more terminals Batch close on one or more terminals
    810 Batch close failed on store and forward Batch close failed on store and forward
    811 Insufficient user permission for processing payment transactions Insufficient user permission for processing payment transactions
    812 Insufficient user permission for processing refund transactions Insufficient user permission for processing refund transactions
    813 User session has expired User session has expired
    814 User session validation failed User session validation failed
    815 Invalid session source Invalid session source
    816 Card track data cannot be decrypted Card track data cannot be decrypted
    817 Card track data cannot be parsed for card number and expiry Card track data cannot be parsed for card number and expiry
    818 Invalid track format indicator Invalid track format indicator
    819 Missing AVS and CVD data required for Discover transaction Missing AVS and CVD data required for Discover transaction
    820 Invalid use of trnAmount field, must pass ordItemPrice with taxes enabled. Invalid use of trnAmount field, must pass ordItemPrice with taxes enabled.
    821 Declined CVD mismatch. Transaction reversed
    822 Declined AVS mismatch. Transaction reversed
    825 Missing or invalid term URL CALL HELP DESK
    827 Declined Declined
    935 Adjustment failed, please wait one minute and retry Adjustment failed, please wait one minute and retry
    936 Declined please try again Invalid or expired single use token
    937 Declined please try again Single use token service unavailable
    938 Authentication is required to process this transaction Authentication is required to process this transaction
    940 DECLINE Masterpass account is not enabled
    941 DECLINE oauth_verifier is required
    942 DECLINE checkout_resource_url is required
    944 Card entry method not accepted Card entry method not accepted
    1134 Transaction cannot be voided Transaction cannot be voided
    1135 Amount in the request does not match the amount in the payment token. Declined

    Credit card responses

    Desjardins

    Message ID Cardholder message Merchant message
    1001 APPROVED Approved with balance
    1002 APPROVED Approved without the balance
    1003 APPROVED Approved VIP
    1004 APPROVED Approved. Administrative Transaction
    1005 DECLINED Declined
    1006 EXPIRED CARD Declined. Expired card
    1007 ADM PIN TRIES EXCEE Declined. Max PIN attempts with an Administrative card reached
    1008 INVALID CARD Declined. The Admin card must be from the same institution as the POS
    1009 SYSTEM NOT AVAIL. Declined. The host cannot authorize the transaction at this time
    1010 TRX NOT ALLOWED Declined. The transaction type is invalid
    1011 TRX NOT ALLOWED Declined. The transaction type is not supported on this terminal
    1012 DECLINED Declined. The card status is lost or stolen
    1013 DECLINED Declined. The status of the card is unknown
    1014 ACCOUNT NOT SET UP Declined. The account used in the transaction is not defined
    1015 PLEASE RETRY Declined. Auth. type incorrectly defined. Host problem
    1016 INVALID CARD Declined. Track2 invalid
    1017 PLEASE RETRY Declined. Partial cancellations are not supported
    1018 PLEASE RETRY Declined. Invalid amount
    1019 PLEASE RETRY Declined. The transaction date is invalid.
    1020 PLEASE RETRY Declined. Transaction declined by the issuer
    1021 PLEASE RETRY Declined. Format error in the transaction
    1022 PLEASE RETRY Declined. Invalid acquirer institution
    1023 PLEASE RETRY Declined. Routing problem
    1024 PLEASE RETRY Declined. Routing problem
    1025 PLEASE RETRY Declined. Cannot authorize
    1026 PLEASE RETRY Declined. Invalid card number length
    1027 DECLINED Declined. Insufficient funds
    1028 PLEASE RETRY Declined. Preauthorization limit reached for the period
    1029 DECLINED Declined. Duplicate transaction
    1030 PLEASE RETRY Declined. Max online refund amount reached for a card for the period
    1031 REFUND LIMIT Declined. Max offline refund amount reached for a card for the period
    1032 REFUND LIMIT Declined. Max refund amount for a transaction
    1033 OVER MAX NUMBER TRX Declined. Max number of refunds reached for a card for the period
    1034 PLEASE RETRY Declined. Max refund amount reached for a card for the period
    1035 NOT AVAILABLE Declined. Balance inquiry transaction not permitted
    1036 OVER MAX NUMBER TRX Declined. Usage limit has been reached
    1037 OVER MAX NUMBER TRX Declined. The number of refunds for this card type has been reached
    1038 PLEASE RETRY Declined. Declined by the issuer
    1039 DECLINED Declined. Status of the card inactive
    1040 HOLD CARD Declined. Stolen card
    1041 REFUND LIMIT Declined. Limit in the no. of trans. or refund amount and Interac cancellations reached for the terminal
    1042 PIN REQUIRED Declined. The card PIN is required for this card (can be admin card)
    1043 INVALID CARD Declined. The check digit of the card number is invalid
    1044 PLEASE RETRY Declined. A forced transaction ended in error due to a system problem
    1045 SYSTEM NOT AVAIL. Declined. The authorization host is not available
    1046 CALL FOR AUTH Declined. The authorization host is not available
    1047 CALL FOR AUTH Declined. The authorization host is not available
    1048 PLEASE RETRY Declined. System error
    1049 TRX NOT ALLOWED Declined. Unsupported transaction
    1050 CALL FOR AUTH Declined. Maximum amount limit
    1051 CALL FOR AUTH Declined. Maximum amount limit for the day reached
    1052 CALL SERVICE Declined. Issuing host did not respond (timeout)
    1053 CALL SERVICE Declined. System error
    1054 CALL SERVICE Declined. System error
    1055 CALL SERVICE Declined. System error (admin card)
    1056 CALL FOR AUTH Declined. System error with security boxes
    1057 CALL FOR AUTH Declined. ARQC error
    1058 CALL FOR AUTH Declined. CVR error
    1059 CALL FOR AUTH Declined. TVR error
    1060 CALL FOR AUTH Declined. This message is an EMV referral - "fallback"
    1061 RETAILER NOT FOUND Declined. The merchant number is invalid
    1062 PLEASE RETRY Declined. Account type invalid.
    1063 INVALID ADMIN PIN Declined. The administrative PIN is invalid
    1064 NEED ADMIN CARD Declined. Admin card required. Currently only validated for admin PIN change transactions
    1065 CALL SERVICE Declined. The amount of the transaction is too high
    1066 CARD NOT SET UP Declined. The card is not set up in the acquirer's host (POS)
    1067 CALL SERVICE Declined. The transaction date is invalid
    1068 INVALID DATE Declined. The expiry date of the card is invalid
    1069 CALL SERVICE Declined. Transaction code invalid
    1070 DECLINED Declined. Transaction amount exceeds the allowable limit
    1071 DECLINED Declined. EMV - ARQC invalid
    1072 DECLINED Declined. EMV - Error with the security box
    1073 DECLINED Declined. EMV - Error with the security box
    1074 DECLINED Declined. EMV - Key cannot be found in the security module
    1075 DECLINED Declined. EMV - ATC error
    1076 DECLINED Declined. EMV - CVR error
    1077 DECLINED Declined. EMV - TVR error
    1078 DECLINED Declined. EMV - Transaction in fallback
    1079 INVALID PROGRAM Declined. PPC - The selected program is inactive
    1080 TRX NOT ALLOWED Declined. PPC - The merchant does not have access to the transaction program
    1081 INC. AMOUNT/CARD Declined. PPC - Amount differs from the program
    1082 INVALID AMOUNT Declined. PPC - The amount does not correspond with the program
    1083 DECLINED Declined. PPC - Activation correction impossible
    1084 DECLINED Declined. PPC - amount of the transaction higher than the starting amount
    1085 ALREADY ACTIVE Declined. PPC - card already activated
    1086 INSUFF. FUNDS Declined. PPC - Insufficient funds
    1087 INVALID CARD Declined. PPC - Invalid card
    1088 FORMAT ERROR Declined. Error in the format of the transaction
    1089 FORMAT ERROR Declined. Error in the contents of a field in the transaction
    1090 FORMAT ERROR Declined. Error in Batch Close
    1091 PLEASE RETRY Declined. Desjardins acquirer system timeout
    1092 FORMAT ERROR Declined. Error in the Desjardins host acquirer system
    1093 TERMINAL DEACTIVATED Declined. The terminal is deactivated at the Desjardins acquirer host
    1094 FORMAT ERROR Declined. The transaction is invalid. The response sent by the host only contains a header.
    1095 INVALID PIN LENGTH Declined. PIN length invalid
    1096 PLEASE RETRY Declined. Cardholder card data decrypting error.
    1097 PLEASE RETRY Declined. MAC error
    1098 CALL SERVICE Declined. Sequence number (see header) is invalid
    1099 PIN TRIES EXCEEDED Declined. Number of PIN attempts exceeded
    1100 EXPIRED CARD Declined. Expired card
    1101 HOLD CARD Declined. Card probably fraudulent.
    1102 HOLD CARD Declined. Stolen card
    1103 INVALID AMOUNT Declined. Invalid amount
    1104 PLEASE RETRY Declined. Invalid card
    1105 HOLD CARD Declined. Card probably fraudulent.
    1106 PLEASE RETRY Declined. Limit exceeded
    1107 HOLD CARD Declined. Amount exceeds the limit
    1108 HOLD CARD Declined. Retain card
    1109 DECLINED Declined. EMV - ARQC error
    1110 DECLINED Declined. EMV - CVR error
    1111 DECLINED Declined. EMV - TVR error
    1112 UNABLE TO PROCESS Declined. Error in the tax calculation
    1113 CANCELLATION LIMITÂ Declined. Daily Interac cancellation limit reached
    1114 KEY CHANGE REQUIRED Declined. First transaction for a terminal must be a transaction code 96
    1115 CARD NOT SUPPORTED Declined.
    1116 SELECT OTHER ACCT Declined. Inactive Desjardins Interac account
    1117 CARD NOT SET UP Declined. Inactive Desjardins Interac card
    1118 DECLINED Declined. Desjardins Interac card, insufficient funds
    1119 NOT ALLOWED Declined. Transaction not allowed
    1120 INVALID PIN Declined. Incorrect PIN
    1121 DECLINED Declined. PIN Required. The card must be inserted into the chip reader.
    1122 ADM PIN NOT IN FILE Declined. Unrecognized administrative card
    1123 PIN CHG NOT ALLOWED Declined. This Admin card cannot be used to change the PIN
    1124 SYSTEM NOT AVAIL. Declined. Desjardins Interac issuing host unavailable
    1125 DECLINED Declined. Requires caisse authorization
    1126 ACCOUNT NOT SET UP Declined. Non-existent account
    1127 CARD NOT SUPPORTED Declined. Caisse (branch) does not exist
    1128 CARD NOT SET UP Declined. Card inactive at the Desjardins Interac issuing host
    1129 SELECT OTHER ACCT Declined. Account does not exist
    1130 DECLINED Declined. Amount exceeds the allowable limit
    1131 CARD NOT SET UP Declined. Account does not exist
    1132 Invalid Accord D Transaction Invalid Accord D Transaction
    1133 Accord D transaction cannot be processed as recurring. Accord D transaction cannot be processed as recurring.

    Elavon

    Message ID Cardholder message Merchant message
    743 APPROVAL APPROVAL
    744 DECLINED-HELP 9999 (Gift Card - Host Busy) DECLINED-HELP 9999 (Gift Card - Host Busy)
    745 INVALID CARD (Gift Card) INVALID CARD (Gift Card)
    746 INVALID TERM ID (Gift Card) INVALID TERM ID (Gift Card)
    747 AMOUNT ERROR (Gift Card) AMOUNT ERROR (Gift Card)
    748 ALREADY ACTIVE (Gift Card ALREADY ACTIVE (Gift Card
    749 REQ. EXCEEDS BAL. (Gift Card) REQ. EXCEEDS BAL. (Gift Card)
    750 MAX REACHED (Gift Card) MAX REACHED (Gift Card)
    751 NON RELOADABLE (Gift Card) NON RELOADABLE (Gift Card)
    752 CARD NOT ACTIVE (Gift Card) CARD NOT ACTIVE (Gift Card)
    753 SEQ ERR PLS CALL (Gift Card) SEQ ERR PLS CALL (Gift Card)
    754 DECLINED-HELP 9999 (Gift Card – System Error) DECLINED-HELP 9999 (Gift Card – System Error)
    755 DECLINE CVV2 DECLINE CVV2
    756 PICK UP CARD PICK UP CARD
    757 DECLINED DECLINED
    758 CALL AUTH. CENTER CALL AUTH. CENTER
    759 ELAVON PROCESSING ERROR ELAVON PROCESSING ERROR

    First Data

    Message ID Cardholder message Merchant message
    684 APPROVAL APPROVAL
    685 REFERRAL REFERRAL
    686 INVLD MER ID INVLD MER ID
    687 APPRV LESSER AMT APPRV LESSER AMT
    688 BAD PROCESSING CODE BAD PROCESSING CODE
    689 INV AMT INV AMT
    690 INV ACCT NUM INV ACCT NUM
    691 INV TERMINAL INV TERMINAL
    692 PLEASE RETRY PLEASE RETRY
    693 DECLINED DECLINED
    694 EXPIRED CARD EXPIRED CARD
    695 DECLINED DECLINED
    696 HOLD - CALL CTR HOLD - CALL CTR
    697 SERV NOT ALLOWED SERV NOT ALLOWED
    698 APPROVAL APPROVAL
    699 AVS ACCEPTED AVS ACCEPTED
    700 INVALID TERM ID INVALID TERM ID
    701 PLEASE RETRY PLEASE RETRY
    702 RESEND BATCH RESEND BATCH
    703 SYSTEM PROBLEM SYSTEM PROBLEM
    704 CVV2 DECLINED CVV2 DECLINED
    705 DOWNLOAD FAILED DOWNLOAD FAILED
    706 INVLID MAC INVLID MAC
    707 INVALID ID NBR INVALID ID NBR
    708 INV DRIVER NBR INV DRIVER NBR
    709 INV VEHICLE NBR INV VEHICLE NBR
    710 INV EXP DATE INV EXP DATE
    711 INVLD AMT 3 INVLD AMT 3
    712 INVLD ACCT 2 INVLD ACCT 2
    713 INV EXP DATE INV EXP DATE
    714 INV ACCT INV ACCT
    715 INVLD ACCT 1 INVLD ACCT 1
    716 CAPT. NOT ALLOWED CAPT. NOT ALLOWED
    717 COMM ERR RESEND COMM ERR RESEND
    718 INVL TERMINAL ID INVL TERMINAL ID
    719 INVL ARRIVAL-DT INVL ARRIVAL-DT
    720 INVL CHECKOUT DT INVL CHECKOUT DT
    721 INVL ROOM RATE INVL ROOM RATE
    722 INVL FOLIO NBR INVL FOLIO NBR
    723 INV TRN TYPE INV TRN TYPE
    724 MAX TIP $999 MAX TIP $999
    725 INCORRECT PIN INCORRECT PIN
    726 AMT EXCEEDED LIMIT AMT EXCEEDED LIMIT
    727 HOST KEY ERROR HOST KEY ERROR
    728 PIN RETRY EXCEEDED PIN RETRY EXCEEDED
    729 DUPLICATE TRAN DUPLICATE TRAN
    730 REV REJECTED REV REJECTED
    731 ENTER LESSER AMOUNT ENTER LESSER AMOUNT
    732 PIN XLATE ERROR PIN XLATE ERROR
    733 INV CASHBACK AMT INV CASHBACK AMT
    734 CRYPTO BOX UNAV CRYPTO BOX UNAV
    735 DBT SWITCH UNAVL DBT SWITCH UNAVL
    736 ISSUER UNAV ISSUER UNAV
    737 UNDEFINED CARD UNDEFINED CARD
    738 DBTSW INV MERID DBTSW INV MERID
    739 TRAN CT EXCD LMT TRAN CT EXCD LMT
    740 RESUB EXCDS LMT RESUB EXCDS LMT
    741 DBTSW PIN XL ERR DBTSW PIN XL ERR
    742 DECLINE DECLINE
    823 ISS UNAV/DATE ER ISS UNAV/DATE ER
    939 Reversal Outside Window Reversal Outside Window

    Global Payments

    Message ID Cardholder message Merchant message
    561 APPROVED APPROVED
    562 CALL CARD ISSUER CALL CARD ISSUER
    563 CALL CALL
    564 INVLD MERCH ID INVLD MERCH ID
    565 PIC UP PIC UP
    566 DECLINE DECLINE
    567 REVERSED REVERSED
    568 Decline-CV2 FAIL Decline-CV2 FAIL
    569 AP WITH ID AP WITH ID
    570 INVLD INVLD
    571 INVLD AMOUNT INVLD AMOUNT
    572 INVLD ACCT INVLD ACCT
    573 PLEASE RETRY PLEASE RETRY
    574 INVLD EXP DATE INVLD EXP DATE
    575 PIN INVALID PIN INVALID
    576 UNAUTH TRANS UNAUTH TRANS
    577 MAX PIN RETRIES MAX PIN RETRIES
    578 AP DUPE AP DUPE
    579 SYSTEM UNAVAILABLE SYSTEM UNAVAILABLE
    580 INV ACCT MATCH INV ACCT MATCH
    581 INV ACCT MATCH INV ACCT MATCH
    582 INV ITEM NUM INV ITEM NUM
    583 ITEM ADJ ITEM ADJ
    584 MUST BALANCE NOW MUST BALANCE NOW
    585 USE DUP THEN BAL USE DUP THEN BAL
    586 NO DUP FOUND NO DUP FOUND
    587 INVALID DATA INVALID DATA
    588 NO TRANS FOUND NO TRANS FOUND
    589 AP NOT CAPTURED AP NOT CAPTURED
    590 AP AUTH-ONLY AP AUTH-ONLY
    591 INV BANK INV BANK
    592 TRAN TYPE INVLD TRAN TYPE INVLD
    593 APPROVED APPROVED
    594 DB UNAVAIL 02 DB UNAVAIL 02
    595 DB UNAVAIL 03 DB UNAVAIL 03
    596 DB UNAVAIL 04 DB UNAVAIL 04
    597 UNAUTH USER UNAUTH USER
    598 INVALID CARD INVALID CARD
    599 DB ISSUER UNAVAIL DB ISSUER UNAVAIL
    600 INVALID POS CARD INVALID POS CARD
    601 ACCT TYPE INVLD ACCT TYPE INVLD
    602 INVALID PREFIX INVALID PREFIX
    603 INVALID FIID INVALID FIID
    604 VERIFY VERIFY
    605 INVALID LIC INVALID LIC
    606 INVALID STATE CD INVALID STATE CD
    607 EDC UNAVAILABLE EDC UNAVAILABLE
    608 DB UNAVAIL 01 DB UNAVAIL 01
    609 SCAN UNAVAILABLE SCAN UNAVAILABLE
    610 EXCEEDS MAX AMT EXCEEDS MAX AMT
    611 EXCEEDS MAX USES EXCEEDS MAX USES
    770 INVALID CID INVALID CID
    803 ISSUER UNAVAIL ISSUER UNAVAIL
    806 TRAN NOT ALLOWED TRAN NOT ALLOWED

    Chase Paymentech

    Message ID Cardholder message Merchant message
    346 Approved Approved
    347 Auth Declined Auth Declined
    348 Call Voice Oper Call Voice Oper
    349 Hold - Call Hold - Call
    350 Call Voice Oper Call Voice Oper
    351 Invalid Card No Invalid Card No
    352 Invalid Exp. Date Invalid Exp. Date
    353 Invalid ICA No Invalid ICA No
    354 Invalid ABA No Invalid ABA No
    355 Invalid PIN No Invalid PIN No
    356 Invalid Bank MID Invalid Bank MID
    357 Invalid Term No Invalid Term No
    358 Invalid Amount Invalid Amount
    359 Invalid Tran Fmt Invalid Tran Fmt
    360 Call Voice Oper Call Voice Oper
    361 Lost/Stolen Card Lost/Stolen Card
    362 Invalid PIN Invalid PIN
    363 Over Credit Flr Over Credit Flr
    364 Request Denied Request Denied
    365 Not Online to XX Not Online to XX
    366 Auth Down-Retry Auth Down-Retry
    367 Auth Declined Auth Declined
    368 Invalid Pin No Invalid Pin No
    369 Auth Declined Auth Declined
    370 Card Not Allowed Card Not Allowed
    371 PL Setup Reqd PL Setup Reqd
    372 BIN Not Allowed BIN Not Allowed
    373 Card Not Allowed Card Not Allowed
    374 Inv Merc Rstrct Code Inv Merc Rstrct Code
    375 Prod Restricted Prod Restricted
    376 Prod Not On File Prod Not On File
    377 Auth Declined Auth Declined
    378 Auth Declined Auth Declined
    379 Auth Declined Auth Declined
    380 Request Denied Request Denied
    381 Invalid Driver Number Invalid Driver Number
    382 PIN Not Selected PIN Not Selected
    383 Auth Declined Auth Declined
    384 CVC2/CID ERROR CVC2/CID ERROR
    385 Tran Not Defined Tran Not Defined
    386 Block Act Not Alwd Block Act Not Alwd
    387 Incorrect Act Amt Incorrect Act Amt
    388 Auth Down - Retry Auth Down - Retry
    389 Auth Busy - Retry Auth Busy - Retry
    390 Auth Busy - Retry Auth Busy - Retry
    391 Auth Error - Retry Auth Error - Retry
    392 Err - Pls Retry Err - Pls Retry
    393 Err - Pls Retry Err - Pls Retry
    394 Invalid Term ID Invalid Term ID
    395 Invalid Function Invalid Function
    396 Invalid Card Invalid Card
    397 Invalid Exp. Date Invalid Exp. Date
    398 Invalid Action Code Invalid Action Code
    399 Amt Entry Error Amt Entry Error
    400 Invalid PIN Invalid PIN
    401 Invalid Card Invalid Card
    402 Auth # Not Entered Auth # Not Entered
    403 Invalid Down Pay Ind Invalid Down Pay Ind
    404 Policy # Wrong Len Policy # Wrong Len
    405 Invalid Ind Code Invalid Ind Code
    406 Invalid Function Invalid Function
    407 Entry Mode Invalid Entry Mode Invalid
    408 Invalid Industry Data Invalid Industry Data
    409 Inv Fleet Data Inv Fleet Data
    410 Invalid Sys Info Invalid Sys Info
    411 Invalid Format Invalid Format
    412 Inv Transaction Class Inv Transaction Class
    413 Inv PIN Capability Inv PIN Capability
    414 Inv/Missing Retr Ref Inv/Missing Retr Ref
    415 Inv MSDI Inv MSDI
    416 Invalid Duration Invalid Duration
    417 Inv Pref Cust Ind Inv Pref Cust Ind
    418 Inv MO/TO Number Inv MO/TO Number
    419 Inv Sale/Chg Des/Folio Inv Sale/Chg Des/Folio
    420 Inv Mult Clr Seq No Inv Mult Clr Seq No
    421 Inv Purch Card Data Inv Purch Card Data
    422 Inv Input/Use VRU Inv Input/Use VRU
    423 Invalid EC Data 329 Invalid EC Data 329
    424 INV Function or Multiple FS or Unknown TKN INV Function or Multiple FS or Unknown TKN
    425 INV TKN Value INV TKN Value
    426 CVD Data Error CVD Data Error
    427 TKN Data Error TKN Data Error
    428 Invalid Term ID Invalid Term ID
    429 Invalid Term ID Invalid Term ID
    430 Term Not Active Term Not Active
    431 Invalid Act Code Invalid Act Code
    432 Void Not Allowed Void Not Allowed
    433 Ref Num Not Found Ref Num Not Found
    434 Proc Error 7 Proc Error 7
    435 Too Many Batches Too Many Batches
    436 Release Batch Release Batch
    437 Invalid Function Invalid Function
    438 Invalid Term ID Invalid Term ID
    439 Invalid Term ID Invalid Term ID
    440 Proc Error 13 Proc Error 13
    441 Proc Error 14 Proc Error 14
    442 Proc Error 15 Proc Error 15
    443 Invalid Function Invalid Function
    444 Invalid Function Invalid Function
    445 Invalid Function Invalid Function
    446 Please Try Again Please Try Again
    447 Invalid Function Invalid Function
    448 Amount Too Large Amount Too Large
    449 Amount Too Large Amount Too Large
    450 Invalid Term ID Invalid Term ID
    451 Proc Error 24 Proc Error 24
    452 Invalid Term ID Invalid Term ID
    453 Invalid Function Invalid Function
    454 Rev Not Allowed Rev Not Allowed
    455 Rev Not Allowed Rev Not Allowed
    456 Dscv Not Allowed Dscv Not Allowed
    457 Rev Not Allowed Rev Not Allowed
    458 Dscv Not Allowed Dscv Not Allowed
    459 DC Not Allowed DC Not Allowed
    460 CB Not Allowed CB Not Allowed
    461 Invalid Key Invalid Key
    462 Invalid Key Invalid Key
    463 Failed-Plz Call Failed-Plz Call
    464 Failed-Plz Call Failed-Plz Call
    465 Failed-Plz Call Failed-Plz Call
    466 Failed-Plz Call Failed-Plz Call
    467 Failed-Plz Call Failed-Plz Call
    468 Failed-Plz Call Failed-Plz Call
    469 Failed-Plz Call Failed-Plz Call
    470 JCB Not Allowed JCB Not Allowed
    471 JCB Not Allowed JCB Not Allowed
    472 Bank Not On File Bank Not On File
    473 No Sponsor Inst No Sponsor Inst
    474 Failed Plz Call Failed Plz Call
    475 WX Not Allowed WX Not Allowed
    476 Amount Too Large Amount Too Large
    477 Reenter Odometer Reenter Odometer
    478
    479 Tran Not Allowed Tran Not Allowed
    480 Bat Already Rels Bat Already Rels
    481 Invalid Rtng Ind Invalid Rtng Ind
    482 AX Not Allowed AX Not Allowed
    483 Invalid Merchant Invalid Merchant
    484 Call Voice Op Call Voice Op
    485 Auth Down-Retry Auth Down-Retry
    486 Auth Busy-Retry Auth Busy-Retry
    487 Auth Busy-Retry Auth Busy-Retry
    488 Invalid Term ID Invalid Term ID
    489 Term Not Active Term Not Active
    490 No Transactions No Transactions
    491 Bat Already Rels Bat Already Rels
    492 Batch Not Found Batch Not Found
    794 NO CHECKING ACCT NO CHECKING ACCT
    805 Signature Debit Not Allowed Signature Debit Not Allowed

    TD

    Message ID Cardholder message Merchant message
    61 Approved Approved
    62 Approved Approved
    63 Approved Approved
    64 Approved Approved
    65 Approved Approved
    66 Approved Approved
    67 Approved Approved
    68 Approved Approved
    69 Approved Approved
    70 Approved Approved
    71 Declined Declined
    72 Declined EXPIRED CARD Declined EXPIRED CARD
    73 Declined Declined
    74 Declined Declined
    75 Declined Declined
    76 PLEASE TRY AGAIN PLEASE TRY AGAIN
    77 Declined Declined
    78 Declined Declined
    79 Declined Declined
    80 Declined Declined
    81 Declined Declined
    82 Declined Declined
    83 Declined Declined
    84 Declined Declined
    85 Declined Declined
    86 PLEASE TRY AGAIN Declined
    87 Declined Declined ADJ NOT ALLOWED
    88 Declined Declined
    89 Declined Declined INVALID TRAN DATE
    90 Declined Declined
    91 PLEASE TRY AGAIN Declined
    92 Declined Declined
    93 Declined Declined
    94 Declined Declined
    95 Declined Declined
    96 Declined Declined
    97 Declined Declined
    98 Declined Declined
    99 Declined Declined
    100 Declined Declined DUPLICATE TRAN
    101 Declined Declined
    102 Declined Declined
    103 Declined Declined MAX PER REFUND
    104 Declined Declined NUM TIMES USED
    105 Declined Declined MAX REFUND TOTAL
    106 Declined Declined
    107 Declined Declined
    108 Declined Declined
    109 Declined Declined MAX REFUND NUMBER
    110 Declined Declined
    111 Declined Declined
    112 Declined Declined
    113 Declined Declined
    114 Declined Declined
    115 Declined Declined
    116 Declined Declined
    117 Declined Declined
    118 Declined Declined
    119 Declined Declined
    120 Declined Declined
    121 Declined Declined
    122 Declined Declined
    123 Call for Auth Call for Auth
    124 Declined Declined
    125 Declined Declined
    126 Declined Declined
    127 Declined Declined CARD NOT SUPPORTED
    128 Declined Declined
    129 Declined Declined
    130 Declined Declined
    131 Declined Declined
    132 Declined Declined
    133 Declined Declined
    134 Declined Declined
    135 Declined Declined
    136 Declined Declined
    137 Declined Declined
    138 Declined Declined
    139 Declined Declined SERVICE MERCHANT NOT ON FILE
    140 Declined Declined
    141 Declined Declined
    142 Declined Declined
    143 Declined Declined
    144 Declined Declined
    145 Declined Declined
    146 Declined Declined
    147 Declined Declined INVALID TRAN DATE
    148 Declined Declined INVALID EXP DATE
    149 Declined Declined INVALID TRANCODE
    150 Declined Declined
    151 Declined Declined
    152 Declined Declined
    153 Declined Declined
    154 Declined Declined BAD FORMAT
    155 Declined Declined BAD DATA
    156 Declined Declined
    157 Declined Declined
    158 PLEASE TRY AGAIN Declined - TIMEOUT
    159 Declined Declined
    160 Declined Declined TERMINAL DEACTIVATED
    161 Declined Declined BAD RESPONSE LENGTH
    162 Declined Declined
    163 Declined Declined
    164 Declined Declined
    165 Declined Declined
    166 Declined Declined BAD SEQUENCE NUMBER
    167 Declined Declined
    168 Declined Declined EXPIRED CARD
    169 Declined Declined
    170 Declined Declined
    171 Declined Declined
    172 Declined Declined
    173 Declined Declined
    174 Declined Declined
    175 Declined Declined
    176 Declined Declined
    177 Declined Declined ADMIN CARD NOT FOUND
    178 Declined Declined ADMIN CARD NOT ALLOWED
    179 Declined Declined
    180 Declined Declined
    181 Declined Declined
    182 Declined Declined
    183 Declined Declined
    184 Declined Declined
    185 Declined Declined
    186 Declined Declined
    187 Declined Declined
    188 Declined Declined
    189 Declined Declined
    771 Declined Declined
    772 Declined Declined
    773 Declined Declined
    774 Declined Declined
    775 Declined Declined
    776 Declined Declined
    777 Declined Declined
    778 Declined Declined
    779 Declined Declined
    780 Declined Declined
    781 Declined Declined
    782 Declined Declined
    783 Declined Declined
    784 Declined Declined
    785 Declined Declined
    786 Declined Declined
    787 Declined Declined
    824 Approved Approved

    Vital

    Message ID Cardholder message Merchant message
    494 Approval Approval
    495 Card OK Card OK
    496 Call Call
    497 Call Call
    498 No Reply No Reply
    499 No Reply No Reply
    500 Hold-call or Pick Up Card Hold-call or Pick Up Card
    501 Hold-call or Pick Up Card Hold-call or Pick Up Card
    502 Hold-call or Pick Up Card Hold-call or Pick Up Card
    503 Hold-call or Pick Up Card Hold-call or Pick Up Card
    504 Acct Length Err Acct Length Err
    505 Already Reversed Already Reversed
    506 Amount Error Amount Error
    507 Cant Verify PIN Cant Verify PIN
    508 Cant Verify PIN Cant Verify PIN
    509 Card No. Error Card No. Error
    510 Cashback Not App Cashback Not App
    511 Cashback Not Avl Cashback Not Avl
    512 Check Digit Err Check Digit Err
    513 CID Format Error CID Format Error
    514 Date Error Date Error
    515 Decline Decline
    516 Decline Decline
    517 Decline Decline
    518 Decline Decline
    519 Decline Decline
    520 Decline Decline
    521 Decline Decline
    522 Encryption Error Encryption Error
    523 Error Error
    524 Expired Card Expired Card
    525 Failure HV Failure HV
    526 Failure CV Failure CV
    527 Invalid Routing Invalid Routing
    528 Invalid Trans Invalid Trans
    529 No Account No Account
    530 No Action Taken No Action Taken
    531 Unsolic Reversal Unsolic Reversal
    532 No Action Taken No Action Taken
    533 No Check Account No Check Account
    534 No Credit Acct No Credit Acct
    535 No Save Account No Save Account
    536 No Such Issuer No Such Issuer
    537 PIN Exceeded PIN Exceeded
    538 RE Enter RE Enter
    539 Sec Violation Sec Violation
    540 Serv Not Allowed Serv Not Allowed
    541 Serv Not Allowed Serv Not Allowed
    542 Stop Recurring Stop Recurring
    543 Stop Recurring Stop Recurring
    544 System Error System Error
    545 Term Id Error Term Id Error
    546 Wrong Pin Wrong Pin
    547 CVV2 Mismatch CVV2 Mismatch
    548 Duplicate Trans Duplicate Trans
    549 Approval Approval
    550 Cannot Convert Cannot Convert
    551 Invalid ABA Invalid ABA
    552 Amount Error Amount Error
    553 Unpaid Items Unpaid Items
    554 Duplicate Number Duplicate Number
    555 MICR Error MICR Error
    556 Too Many Checks Too Many Checks

    Emulator

    Message ID Cardholder message Merchant message
    1 APPROVED Approved
    7 APPROVED Transaction Declined

    Interac Online responses

    Message ID Cardholder message Merchant message
    634 APPROVED THANKS APPROVED
    635 CARD USE LIMITED REFER TO BRANCH CARD USE LIMITED REFER TO BRANCH
    636 FUNDS NOT AVAIL REFER TO BRANCH FUNDS NOT AVAIL REFER TO BRANCH
    637 EXPIRED CARD REFER TO BRANCH EXPIRED CARD REFER TO BRANCH
    638 PIN ERROR PLEASE RE-TRY RE-TRY PIN ERROR
    639 CANNOT PROCESS PLEASE RE-TRY RE-TRY INVALID TRANSACTION
    640 CANNOT PROCESS PLEASE RE-TRY RE-TRY INVALID TRANSACTION
    641 $ LIMIT EXCEEDED REFER TO BRANCH $ LIMIT EXCEEDED REFER TO BRANCH
    642 CARD USE LIMITED REFER TO BRANCH CARD USE LIMITED REFER TO BRANCH
    643 USAGE EXCEEDED REFER TO BRANCH USAGE EXCEEDED REFER TO BRANCH
    644 EXCESS PIN RETRY REFER TO BRANCH EXCESS PIN RETRY REFER TO BRANCH
    645 PIN ERROR PLEASE RE-TRY RE-TRY EDIT ERROR
    646 INVALID CARD REFER TO BRANCH INVALID CARD REFER TO BRANCH
    647 CANNOT PROCESS PLEASE RE-TRY RE-TRY EDIT ERROR
    648 CANNOT PROCESS PLEASE RE-TRY RE-TRY EDIT ERROR
    649 CANNOT PROCESS PLEASE RE-TRY RE-TRY EDIT ERROR
    650 CANNOT PROCESS PLEASE RE-TRY RE-TRY INVALID CARD
    651 CANNOT PROCESS PLEASE RE-TRY RE-TRY SYSTEM PROBLEM
    652 INVALID CARD REFER TO BRANCH CARD NOT SUPPORTED REFER TO BRANCH
    653 ACCT NOT SET UP REFER TO BRANCH ACCT NOT SET UP REFER TO BRANCH
    654 ACCT NOT SET UP REFER TO BRANCH ACCT NOT SET UP REFER TO BRANCH
    655 CARD IS NOT SETUP REFER TO BRANCH CARD IS NOT SETUP REFER TO BRANCH
    656 CANNOT PROCESS PLEASE RETRY RE-TRY EDIT ERROR
    657 CANNOT PROCESS PLEASE RETRY RETRY SYSTEM TIMEOUT
    658 CANNOT PROCESS PLEASE RE-TRY RE-TRY EDIT ERROR
    659 CANNOT PROCESS PLEASE RE-TRY RE-TRY SYSTEM PROBLEM
    660 Bad sequence number: resend transaction Bad sequence number: resend transaction
    661 CANNOT PROCESS PLEASE RE-TRY RE-TRY SYSTEM PROBLEM
    662 CANNOT PROCESS PLEASE RETRY RE-TRY EDIT ERROR
    663 CANNOT PROCESS PLEASE RETRY RE-TRY EDIT ERROR
    664 CANNOT PROCESS PLEASE RETRY RE-TRY EDIT ERROR
    665 CANNOT PROCESS PLEASE RE-TRY RETRY SYSTEM PROBLEM
    666 CANNOT PROCESS PLEASE RE-TRY RETRY SYSTEM PROBLEM
    667 CANNOT PROCESS PLEASE RE-TRY RETRY SYSTEM PROBLEM
    668 CANNOT PROCESS PLEASE RE-TRY RETRY SYSTEM PROBLEM
    669 CANNOT PROCESS OVER STORE LIMIT OVER RETAILER LIMIT
    670 CANNOT PROCESS PLEASE RE-TRY RE-TRY INVALID TRANSACTION
    671 CANNOT PROCESS CANNOT PROCESS
    672 CANNOT PROCESS OVER CORR LIMIT EXCEEDS CORRECTION LIMIT
    673 CANNOT PROCESS CANNOT PROCESS