Network Response Codes

Card Network Response Codes

Posted Transactions

Network response codes are returned when an authorization fails at the network or beyond.

The following network response codes determine whether funds have been posted or not at the end of the authorization.

(1) A successful case (00) or

(2) A 91 equivalent to an unknown may result in posting on the Issuer side. If you get a 91, please contact your Evolve Account Manager.

Network Code	Grouping	ISO Reason	Category Code (Visa)*	Issuer's Reasons for Failure (mostly)	Action Required
00	Approvals	Approved or completed successfully.	1 - Issuer will never approve
01	Referral Responses	Refer to card Issuer. For referral transactions/services, where the merchant/Evolve is required to call the issuer to complete the transaction:		Referral transactions are rarely used as the probability of the merchant calling the issuer is very low.	Cardholder needs to call the issuing bank
02		Refer to card issuers special conditions.
03	Policy Declines	Invalid Merchant. The card is not valid to be used at this Merchant or MCC.	2 - Issuer cannot approve at this time	Used when the Issuer or cardholder has restricted the card or product definition to not allow usage at Merchant Category Code (MCC). May be used for regulatory restrictions preventing transactions at certain types of Merchants such as gambling, etc. Merchant restrictions may be temporary or permanent	Please contact your Evolve Account Manager (Transaction should not be immediately reattempted for this Merchant or MCC)
04	Fraud/Security-related Details	Pick-Up Card (No fraud). A card has been cancelled	1 - Issuer will never approve	Use for scenarios where the account has been closed, typically for non-fraud reasons. Blocked/cancelled cards due to confirmed previous fraudulent situation (other than lost stolen), Fraudulent activities at account level (such as identity theft or Account Take Over).	Reattempt not permitted with the same PAN or token Request alternate payment method from customer and/or advise the cardholder to contact their Issuer
05	Others	Do not Honor.	4 - Generic Response Code	Issuers should use this response code only when no other response code applies.	Cardholder needs to call the issuing bank
06		Error.
07		Pick up Card, Special Condition (fraud account). Fraud-compromised account	1 - Issuer will never approve	Use for accounts closed due to fraud or collections.	Reattempt not permitted with the same PAN or token Request alternate payment method from customer and/or advise the cardholder to contact their Issuer
08	Approvals	Honor with identification.		When issuer needs to verify the identity of a cardholder for certain types of transactions, such as manual cash disbursements.
09		Request in progress.
10	Approvals	Approved for partial amount.		Used for approvals of an amount that is less than requested. (Coming soon)
11		Approved (VIP).
12	Technical/Validation Details	Invalid Transaction. The transaction is not authorized due to technical issues	1 - Issuer will never approve	When a fatal technical error prevents approval including (e.g.-invalid POS entry mode for card type) May be used when CVV validation was not successful. Can also be a network-triggered decline.	Reattempt not permitted Evaluate for potential fraud or issues with Merchant terminal. Review the following fields for possible failure conditions - CVV or Card Authentication Results Code. Evaluate for potential fraud
13	Policy Declines	Invalid amount. Invalid amount		Amount is outside of the limits defined by issuer (general/policy limit). For individual credit limit, response code 51 (Insufficient funds/over credit limit) must be used; or Amount is outside of limits defined by rule or regulation (for example, an installment payment less than the minimum amount allowed or a Gaming Payment Transaction exceeding the maximum amount allowed); or Transaction exceeds issuer’s policy threshold amount for unique transaction (such as USD 1,000,000 for a single transaction).	Please contact your Evolve Account Manager
14	Life-Cycle Declines	Invalid card number (no such number). Account number is not valid	1 - Issuer will never approve	Account number was never issued or has been permanently blocked or closed. OR Failed Mod-10 check OR Account number is not a valid length for Issuer OR Type of transaction not allowed at the Issuer OR Card expiration date doesn`t match what is on the card.	Reattempt not permitted with the same PAN or token. Revalidate account number for accuracy Evaluate for potential fraud
15		No such issuer [first 8 digits of account number do not relate to an issuing identifier]). Generated when the BIN, account range or network for the requested account number is not defined at the network	1 - Issuer will never approve	Network generated Response, not used by Issuers	Reattempt not permitted with the same PAN or token Revalidate account number for accuracy Evaluate for potential fraud.
16		Approved, update track 3.
17		Customer cancellation, reversal (unsupported).
18		Customer dispute, chargeback (future).
19		Re-enter transaction. Transaction temporarily cannot be processed.	2 - Issuer cannot approve at this time	(1) Please contact your Evolve Account Manager. Used when the Issuer is temporarily unable to process a transaction due to an error in the message structure or field format OR (2) Used by network when a transaction exceeds the Merchant fraud threshold OR (3) May be used for Address Verification failure	If you receive a high volume of RC19, contact Please contact your Evolve Account Manager to evaluate possible format errors. OR Evaluate Address Verification Failures
20		Invalid response.
21		No action taken, reversal (unsupported).
22		Suspected malfunction, reversal (unsupported).
23		Unacceptable transaction fee.
24		File update not supported by receiver.
25		Unable to locate record on file.
26		Duplicate file update record, no action.
27		File update field edit error.
28		File update record locked out.
29		File update not successful, contact acquirer.
30	Technical/Validation Details	Format error (may also be a reversal).		When the information in one or more data elements is not consistent or there is a failure in validation among data elements and applicable sub-elements.	Please contact your Evolve Account Manager
31		Bank not supported by switch.		Network Issue	Please contact your Evolve Account Manager
32		Completed partially, reversal (unsupported).
33		Expired card, pick-up.
34		Suspected fraud, pick-up.
35		Card acceptor contact acquirer, pick-up.
36		Restricted card, pick-up.
37		Card acceptor call acquirer security, pick-up.
38		Allowable PIN tries exceeded, pick-up.
39		No credit account.
40		Requested function not supported.		Network Issue	Please contact your Evolve Account Manager
41	Fraud/Security-related Details	Lost Card, Pick-up. The cardholder has reported the card lost	1 - Issuer will never approve	When a card has been marked as 'lost card'	Reattempt not permitted with the same payment credential Request alternate payment method from customer and/or advise the cardholder to contact their Issuer
42		No universal account.
43	Fraud/Security-related Details	Stolen Card, Pick-up. The cardholder has reported the card stolen.	1 - Issuer will never approve	Use when a card has been marked as 'stolen card'.	Reattempt not permitted with the same payment credential Request alternate payment method from customer and/or advise the cardholder to contact their Issuer
44		No investment account.
45		Reserved for ISO use.
46		Closed Account. Do not reattempt with the same PAN or token. (Visa). Use for accounts closed by the Issuer or the cardholder for any reason	1 - Issuer will never approve	Closed account	Reattempt not permitted with the same payment credential Request alternate payment method from customer and/or advise the cardholder to contact their Issuer
47		Reserved for ISO use.
48		Reserved for ISO use.
49		Reserved for ISO use.
50		Reserved for ISO use.
51	Credit-related Declines	Insufficient Funds. Transaction amount exceeds the cardholders available balance.	2 - Issuer cannot approve at this time	The card has insufficient funds to complete the purchase	Client can reattempt for a lesser amount or at a later date to allow the cardholder to fund their debit account or pay down their credit account
52		No checking account.		Debit card tied to Only savings account	Customer Should call issuing bank
53		No savings account.
54	Life-Cycle Declines	Expired Card / Expiration Date Missing. Card is expired, expiration date is invalid or expiry date not provided.	3 - Data quality issues/Revalidate data	Used when the authorization contains an expired or invalid or missing expiration date. (Not for recurring transactions)	Validate the expiration date prior to reattempt. Monitor reattempts for potential fraud
55	Fraud/Security-related Details	Incorrect PIN. PIN has failed the PIN verification process or is not present.	3 - Data quality issues/Revalidate data	Used when the PIN fails the PIN verification process or is not present in the transaction when required.	Reattempt with a valid value (re-enter PIN) POS transactions may be reattempted as a non-PIN transaction if applicable
56		No card record.
57	Policy Declines	Transaction not permitted to CardHolder. A permanent restriction is placed, most often at the Issuer BIN level but may be applied at the account level	1 - Issuer will never approve	Used for unsupported transaction types or permanent restrictions not classified under other response codes. Generated by networks for certain transaction types not supported by the Issuer Restriction at the product level Restriction at the BIN level Restriction by internal policy (not related to merchants or MCC, in which case Response Code 03 (Invalid merchant) must be used) Restricted countries (such as OFAC list) Domestic Use Only cards used for cross border transactions Transaction without previous customer notification due to issuer policy restrictions New issued card not activated by the customer Response Code used by network tools to determine invalid cardholder	Reattempt not permitted Request alternate payment method from customer and/or advise the cardholder to contact their Issuer
58	Policy Declines	Transaction not permitted to terminal (may also be a chargeback). Transaction not permitted to acquirer/terminal		When the transaction POS Entry Mode or the terminal capability does not match the transaction type according to issuer’s policies. May be used in the case of fallback transactions. May also be used to indicate a merchant restriction (for example, the merchant does not participate in a private label program or is not permitted to offer installments).	Please contact your Evolve Account Manager
59		Suspected fraud. The transaction does not pass risk monitoring detection systems or controls.	2 - Issuer cannot approve at this time	Used when a transaction fails a fraud rule in the Issuers fraud detection system or at the network's	Advise the cardholder to contact their Issuer and do not reattempt he transaction until the cardholder confirms.
60		Card acceptor contact acquirer.
61	Policy Declines	Exceeds withdrawal amount limit. The AMOUNT activity limit for the card or account has been exceeded.-or- The Issuer or Evolve Settlement Risk Exposure Cap has been exceeded	2 - Issuer cannot approve at this time	Used when the defined amount activity limit for the account is exceeded. Used by network when: - The Issuer or Acquirer settlement risk exposure cap has been exceeded - The Issuer defined velocity/amount limit for Original Credit Transaction (OCT) has been exceeded.	Do not reattempt the transaction the same day to allow limits to reset. Merchant may advise the cardholder to contact their Issuer
62	Policy Declines	Restricted Card (Card invalid in Region or Country). A Restriction is placed at the BIN or cardholder level to restrict usage in a particular country.	2 - Issuer cannot approve at this time	Used when a transaction is attempted from a country where transactions are restricted including OFAC or embargoed countries. Restriction may be temporary or permanent Should not be used for non-geographic account restrictions Restriction at card level (for product level, response code 57 must be used) Deceased cardholder Account permanently blocked/cancelled due to high delinquency level Permanent blocking (cancelled account—by issuer or by cardholder, blocked account) (Other Issues:card may not be activated or may be payroll)	Do not immediately reattempt. Merchant may reattempt if the cardholder confirms the restriction has been removed. (Merchant must not alter country code or other transaction data to gain approval)
63	Fraud/Security-related Details	Security violation (may also be a chargeback). Security Violation		When suspected fraudulent transactions occur - as response to fraud prevention real-time declines or for accounts/cards temporally blocked due to suspected fraudulent use.
64		Original amount incorrect, reversal (unsupported).
65	Policy Declines	Exceeds withdrawal frequency limit. The COUNT activity limit for the card or account has been exceeded (usually set daily).	2 - Issuer cannot approve at this time	Used when the defined count activity limit for the card or account (usually set daily) is exceeded. Used for when the transaction exceeds the Original Credit Transaction (OCT) withdrawal frequency limit if Issuer supports velocity checking.	Do not reattempt the transaction the same day to allow limits to reset. Merchant may advise the cardholder to contact their Issuer
66		Card acceptor call acquirer security.
67		Hard Capture, Pick-Up.		Fraud issue	Cardholder needs to call the issuing bank
68		Response received too late, reversal (unsupported).
69		Reserved for ISO.
70		Reserved for ISO.
71	Technical/Validation Details	Reserved for ISO. PIN not changed		When PIN change request was not successfully completed.
72		Reserved for ISO.
73		Reserved for ISO.
74		Reserved for ISO.
75	Policy Declines	Allowable number of PIN tries exceeded. Use when the system defined number of PIN entry tries is exceeded.	2 - Issuer cannot approve at this time	This is an ATM Only Card. Used when cardholder has entered the incorrect PIN multiple times. Excessive attempts may require additional risk investigations.	Do not reattempt the transaction the same day to allow limits to reset. POS transactions may be reattempted as a non-PIN transaction if applicable
76		Key synchronization error (FIS).
77		Reserved for private use.
78		Customer not eligible for POS (Star SM ) OR. Blocked, First Used (Visa). New card that has not been activated -or- card has been temporarily blocked due to a special condition	2 - Issuer cannot approve at this time	This is an ATM Only Card. Used when a card has been issued but not yet activated (may trigger alert to cardholder). May be used for when the account is temporarily blocked for all transactions due a special condition (e.g.- delinquency or cardholder request)	Transaction should not be immediately reattempted. Merchant may reattempt if the cardholder confirms the card has been activated or reactivated
79		Lifecycle declines.		Lifecycle declines (Expired Card, Invalid Card Number, etc.)	Customer Should call issuing bank
80		Stale dated transaction (Star SM ).
81		Issuer requested standin.
82		Issuer declines/ Negative Online CAM, dCVV, iCVV, or CVV results. Verification of CAM, dCVV, iCVV, or CVV has failed or was interrupted	3 - Data quality issues/Revalidate data	Issuer Policy declines (Restricted Card, Transaction Not Permitted, etc.) Used when a failure for CAM, dCVV, iCVV, CVV or service code within Card Present transactions. Evaluate for potential fraud	Monitor reattempts for potential fraud and check verification values (CVV especially)
83		Fraud Card-Absent Environment..		Fraud/Security declines (Lost/Stolen Card, Security Violation, etc.)	Customer Should call issuing bank
84		Time limit for pre-authorization reached (VISANet).
85*	Approvals	Issuer has no reason to decline the transaction (Account Verification).		For non-financial zero amount transactions.
86	Technical/Validation Details	Cannot verify PIN (VISANet). The PIN cannot be validated	2 - Issuer cannot approve at this time	Used for system malfunctions for ATM transactions including hardware or processing system errors. Used in STIP when the Issuer has not provided Visa with PIN verification keys or values	Reattempt can occur within same day. POS transactions may be reattempted as a non-PIN transaction if applicable
87	Approvals	Check already posted/Purchase Amount Only, No cashback allowed.		When it is a purchase-only approval of a purchase with cash back transaction (Processing Code 09) when cash back is not allowed.
88	Technical/Validation Details	Information not on file. Cryptographic failure		When cryptogram validation or related key processing is unsuccessful
89		Card verification value (CVV) verification failed (no pickup).		Invalid CVV	Customer Should call issuing bank
90		Cutoff is in progress.
91	Technical/Validation Details	Issuer or Switch is inoperative.. Issuer is temporarily unable to respond. (STIP not applicable or available for this transaction). Treat error as an UNKNOWN status.	2 - Issuer cannot approve at this time	Used by the Issuer, Issuer processor or STIP to indicate that the authorization cannot be performed, possibly due to issuer connectivity or system issue. When used by the Issuer/Issuer processor, this code does not cause STIP to be invoked. (use N0-Force STIP instead)	Networks outage or network is unavailable or connection to network timed out DO NOT Retry. Check the following settlement day to see if transaction posted.
92	Technical/Validation Details	Financial institution or intermediate network unknown for routing. Unable to route the transaction		Network issue	Please contact your Evolve Account Manager
93		Transaction cannot be completed, violation of law. Due to government, central bank or financial institution agreement, laws or regulations, the transaction cannot be authorized.	2 - Issuer cannot approve at this time	Used for regulatory restrictions which may be temporary or permanent. For example:: Gambling transactions Cardholder has not opted into CNP transactions No 2nd Factor Authentication on domestic ecommerce transactions.	Do not immediately reattempt. Merchant may reattempt if the cardholder confirms the restriction has been removed (e.g.- cardholder opts– in to transaction type) Merchants must not alter transaction information to gain approval.
94	Technical/Validation Details	Duplicate transaction. Duplicate transaction			Please contact your Evolve Account Manager
95		Reconcile error.
96	Technical/Validation Details	System Malfunction. Transaction does not pass Issuer system checks on fields.	2 - Issuer cannot approve at this time	May be used by the Issuer or Issuer processor to indicate that their system is unable perform the authorization due to system malfunction or critical message failure. Used by Visa when errors in messaging are detected that prevent the message from being processed. When used by the Issuer/Issuer processor, this code does not cause STIP to be invoked. (use N0-Force STIP instead) (Also, received during nights when issuer goes offline)	Please contact your Evolve Account Manager
97		Reserved for national use.
98		Reserved for national use.
99*		Card network fault error.
100		Do not Honor.		Issuer rejecting for various reasons. Could be a card that is not supported for debt repayment)	Cardholder needs to call the issuing bank
101		Expired Card.		Card has expired	Customer Should call issuing bank
107		Refer to card issuer.		Fraud Indicator - Stolen Card	Customer Should call issuing bank
108		Refer to card issuer's special condition.		Fraud	Customer Should call issuing bank
114		No account of type requested.		No checking account associated to card	Customer Should call issuing bank
116		Insufficient funds.		The customer does not have enough money in their accounts.	Customer Should call issuing bank
119		Transaction not permitted to cardholder.		Transaction not approved by issuing bank	Customer Should call issuing bank
123		Exceeds withdrawal limit frequency.		Issuers do set limits for debit cards by customers.	Cardholder needs to call the issuing bank
209		Stolen card.		Fraud Indicator - Stolen Card	Customer Should call issuing bank
908		Transaction destination cannot be found for routing.		Network issue	Please contact your Evolve Account Manager
0Z-9Z		Reserved for ISO use.
C2-E0		Reserved for national use (X9.2).
E1*		Invalid or unsupported SEC.
E2*		AVS data required.
E3*		CVV2 data required.
E4*		Service not allowed. Transaction not permitted to cardholder..
E5*		Service not allowed. Transaction not permitted to cardholder..
E6*		Issuer country is blocked.
E7*		Incorrect MAC was sent.
E8*		Standard Entry Class requirements were not met.
E9*		System time out.
EA*		Account length error.
EB*		Check digit error.
EC*		CID format error.
ED*		Authorization is too old to capture.
EE*		Card product code is blocked Card product code is blocked.
EF*		Attempt to process a BRIC transaction on a prior PIN based transaction.
EG*		CyberSource Time Out Connection to CyberSource timed out.
EH*		CARD_ENT_METH supplied is not valid or required additional data not provided as defined.
EI*		CARD_ID is not valid.
EJ*		Required PIN block not present.
EK*		Bin is not valid for pinless routing.
EL*		Signature store did not complete.
EM*		Debit PIN transactions must be swiped.
EN*		DB proxy response was not processed within the time out period.
EO*		Transaction was declined by merchant due to mismatch of CVV2 data.
EP*		Transaction not allowed as per a validation rule.
EQ*		There were no available gateway nodes to route transaction.
EZ-MZ		Reserved for national use (X9.2).
N0		Authorization life cycle unacceptable.
N1		Authorization life cycle expired.
N2		Non-receipt of requested item (future).
N3		Non-receipt of requested item, illegible copy (future).
N4		Transaction exceeds floor limit (future).
N5		Declined authorization (future).
N6		Non-matching account numbers (future).
N7		Decline for CVV2 Failure / Error in addition (future) . Used to indicate that Authorization request didn’t pass CVV2 verification.	3 - Data quality issues/Revalidate data	Used when a failure of CVV2 within Card Not Present transactions. Do not decline CNP transactions for missing CVV2	Validate the CVV2 value prior to reattempt. Monitor reattempts for potential fraud
N8		Altered amount (future).
N9		Incorrect account number (future).
P0		Missing signature (future).
P1		Slip without card imprint (future).
P2		Imprinting of multiple slips (future).
P3		Canceled pre-authorization transaction (future).
P4		Delinquent settlement (future).
P5		Currency conversion error (future).
P6		Credit posted as a debit (sale) (future).
P7		Claim or defense (future).
P8		Non-receipt of goods (future).
P9		Defective merchandise (future).
Q1*		Card authentication failed.
R0		Fraudulent transaction prior to embossed valid date (future). Stop Payment Order	1 - Issuer will never approve	Used when a Cardholder requested to stop a specific single reoccurring payment transaction	Reattempt not permitted Contact customer regarding cancellation of this transaction
R1		Credit not Received (future). Revocation of Authorization Order	1 - Issuer will never approve	Used when a Cardholder requested to stop all recurring payment transactions for a specific Merchant account.	Reattempt not permitted Contact customer regarding cancellation of all transactions from this Merchant
R2		Allowable PAN entries warning -- approved.
R3		Approved with overdraft protection. Revocation of all Authorizations order	1 - Issuer will never approve	Used when a All recurring payments have been cancelled for the card number in the request.	Reattempt not permitted Contact customer regarding cancellation of all recurring transaction
R4		Bad CVV3.
RR*		Unknown Backend Processing Error.
S0		Check not acceptable for cash.
S1		Check not acceptable.
S2		Check deposit limit exceeded.
S3		Cash back limit exceeded.
S4		Check amount does not match courtesy amount.
S5		PIN not selected.
S6		PIN already selected.
S7		Unmatched voucher information.
S8		Allowable PAN entries exceeded -- denial.
S9		Expiration date mismatch.
SA		Inactive card.
SB		Expiration date mismatch (card pickup).
SC		Item suspected for stop pay.
SD		Account closed.
SE		Ineligible account.
SF		Item submitted more than two times.
SG		No account on file - absolute.
SH		Unable to locate.
SI		General denial.
SJ		Item settled via ACH.
SK		Cross-reference card not found.
SL		Category limit exceeded.
SM		Transaction limit exceeded.
SN		Daily limit exceeded.
SO		Monthly limit exceeded.
SP		Invalid secret code.
SQ		PIN key sync error.
SR		Bad CVV2.
SS		Stop payment order.
ST		Revocation of authorization order.
SV		Stop reoccurring payments.
T3		Lost card (no pickup).
T4		Closed account.
T5		Dormant account.
T6		Special conditions (no pick-up).
T7		Purchase only approval for purchase with cash back transaction..
T9		Insufficient funds for fees.
TA		ARQC validation failed for chip card.
TB		Unsafe PIN.
U0-YZ		Reserved for private use.
ZD*		MasterCard Send (MoneySend) Error due to Expiration Date.
ZN*		MasterCard MoneySend Decline due to Card was Declined.		Various reasons for decline	Cardholder needs to call the issuing bank
ZR*		MasterCard MoneySend Decline due to Unsupported Card.		BIN not supported.	Please contact your Evolve Account Manager
ZU*		MasterCard MoneySend Error due to an Unknown Reason.		Unknown	Please contact your Evolve Account Manager
ZX*		MasterCard Send (MoneySend) Decline due to an Unknown Reason.
ZY*		MasterCard Send (MoneySend) Request in Unknown Status.
ZZ*		MasterCard Send (MoneySend) Request in Unknown Status.

Note: Not all Networks may return this Network Response Code. Refer to Visa Category Codes for details

Points to Consider

For credential on file transactions, evaluate use of automated customer messaging, alerts or emails when receiving successive declines or the reattempt threshold is reached.
Use account verification messages to validate the account number when adding credential on file or when goods or services will be provided in advance of charging the customer.
Consider additional verification for first-time customers such as CVV2 or Address verification (non-recurring payments or card on file),
Design e-commerce platforms to:
- Validate purchase activity to reduce authorization requests with invalid data (for example, use of Mod-10 or expiration date checks)
- Display meaningful decline messages to identify data that needs to be re-validated prior to resubmitting the authorization. When receiving Category 1 response codes, customers may be advised to contact their card Issuer
- Utilize velocity of spend controls to reduce risk of account testing and apply Captcha-like solutions to mitigate bots that reattempt transactions on a continuous basis.
If using batch authorization processing do not sort batches by account number or BIN. Sorting transactions may flood Issuer systems and/or appear to be a fraud attack which could result in declines.
Consider using fraud-scoring solutions e.g. authenticating transactions via EMV 3D Secure.