Response Codes and Messages

The following is a list of possible responses your integration may receive and that your solution needs to be able to interpret.

CVV Results

M - CVV Match
N - CVV No Match
P - Not Processed
S - CVV should be on the card but the merchant indicates it is not.
U - User is unregistered

NOTE that transactions can still be authorized if the CVV responses are no match or failure. CVV responses are for merchant information only, and usually do not influence the overall Authorization result. This can vary based on the Issuing Bank.

AVS Results

A - Address matches, ZIP does not. The first five numerical characters contained in the address match those stored at the VIC or issuer's center. However, the ZIP code does not match.
E - Ineligible transaction.
N - Neither address nor ZIP matches. Neither the first five numerical characters contained in the address match with those stored at the VIC nor issuer's center nor the ZIP code match.
R - Retry (system unavailable or timed out).
S - Card type not supported. The card type for this transaction is not supported by AVS. AVS can verify addresses for Visa cards, MasterCard, proprietary cards, and private label transactions.
U - Address information unavailable.
G - Address information unavailable, International - Visa only, The address information was not available at the VIC or issuer's center.
W - Nine-digit ZIP match, address does not. The nine-digit Postal ZIP code matches that stored at the VIC or card issuer's centre. However, the first five numerical characters contained in the address do not match.
X - Exact match (nine digit ZIP and address). Both the nine-digit Postal ZIP code as well as the first five numerical characters contained in the address match.
Y - Address and five-digit ZIP match. Both the five-digit Postal ZIP code as well as the first five numerical characters contained in the address match.
Z - Five-digit ZIP matches, address does not. The five-digit Postal ZIP code matches that stored at the VIC or card issuer's centre.

Auto Decline AVS failures setting will only approve transactions that have an AVS response of Y, U, G, X or Z.

NOTE that transactions can still be authorized if the AVS responses are no match or failure. AVS responses are for merchant information only, and usually do not influence the overall Authorization result. This can vary based on the Issuing Bank.

Bank Response Codes

Auth Message	Code	Definition
Exact Match	00 or 85	Exact match, nine-character numeric ZIP
Exact Match	00 or 85	Exact match, five-character numeric ZIP
Address Match	00 or 85	Address match only
Zip Match	00 or 85	Nine-character numeric ZIP match only
Zip Match	00 or 85	Five-character numeric ZIP match only
No Match	00 or 85	No address or ZIP match
Ver Unavailable	00 or 85	Address unavailable
Ver Unavailable	00 or 85	Non-U.S. Issuer does not participate
Retry	00 or 85	Issuer system unavailable
Error Ineligible	00 or 85	Not a mail/phone order
Serv Unavailable	00 or 85	Service not supported
Approval	00	Approved and completed
Card Ok	85	No reason to decline
Call	1	Refer to issuer
Call	2	Refer to issuer-Special condition
No Reply	28	File is temporarily unavailable
No Reply	91	Issuer or switch is unavailable
Hold-call or Pick Up Card	4	Pick up card (no fraud)
Hold-call or Pick Up Card	7	Pick up card, special condition (fraud account)
Hold-call or Pick Up Card	41	Lost card, pick up (fraud account)
Hold-call or Pick Up Card	43	Stolen card, pick up (fraud account)
Acct Length Error	EA	Verification error
Already Reversed	79	Already reversed at switch
Amount Error	13	Invalid amount
Can't Verify PIN	83	Cannot verify PIN
Can't Verify PIN	86	Cannot verify PIN
Card No. Error	14	Invalid card number
Cashback Not App	82	Cash back limit exceeded
Cashback Not Avail	N3	Cash back service is not available
Check Digit Error	EB	Verification error
CID Format Error	EC	Verification error
Date Error	80	Invalid date
Decline	5	Do not honor
Decline	51	Insufficient funds
Decline	N4	Exceeds issuer withdrawal limit
Decline	61	Exceeds withdrawal limit
Decline	62	Invalid service code, restricted
Decline	65	Activity limit exceeded
Decline	93	Violation, cannot complete
Encryption Error	81	Cryptographic error
Error XXXX	6	General error
(Check Service Custom Text)	6	Error response text from check service. Please see Note 1 below.
Expired Card	54	Expired card
Failure HV	HV	Hierarchy verification failure
Failure CV	CV	Card type verification error
Invalid Routing	92	Destination not found
Invalid Trans	12	Invalid Transaction
No Account	78	No account
No Action Taken	21	Unable to back out transaction
Unsolic Reversal	76	Unable to locate, no match
No Action Taken	77	Inconsistent data, rev., or repeat
No Check Account	52	No checking account
No Credit Acct	39	No credit account
No Save Acct	53	No savings account
No Such Issuer	15	No such issuer
PIN Exceeded	75	PIN tries exceeded
RE Enter	19	Re-enter transaction
Sec Violation	63	Security violation
Serv Not Allowed	57	Transaction not permitted-Card
Serv Not Allowed	58	Transaction not permitted-Terminal
Srchg Not Allowed	B1	Surcharge amount not permitted on Visa cards or EBT food stamps
Srchg Not Allowed	B2	Surcharge amount not supported by debit network issuer
Stop Recurring	R0	Customer requested stop of specific recurring payment