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1.4. Transaction Processing Guide with Codes
TRANSACTION PROCESSING GUIDE WITH CODES
Card processing is a two part process
The only REQUIRED match is to Billing Zip Code with the exception that AMEX requires a Name Match.
An Example:
- · A donor makes a donation that FAILED with an Action Code of 912 and a Response Text of "Invalid Card Number."
- · Donor corrects data input and makes a SUCCESSFUL transaction with an APPROVAL CODE of 121705 and an AVS Code M and RESPONSE TEXT -> "APPROVED".
Processor Numeric Codes/ Text Responses by Card Type
Yellow highlighted in Card Lists are the most commonly seen responses
|
Visa |
|
Discover |
|
Mastercard |
|
Amex |
|
|
0 |
Successful completion |
0 |
Approved or completed successfully |
0 |
Approved |
0 |
Approved |
|
1 |
Refer to card issuer |
1 |
Refer to Card Issuer |
1 |
Refer to issuer |
1 |
Approve with ID |
|
2 |
Refer to card issuer, special condition |
2 |
Refer to Card Issuer's special conditions |
3 |
Invalid merchant |
2 |
Partial Approval |
|
3 |
Invalid merchant or service provider |
3 |
Invalid Merchant |
4 |
Capture card |
3 |
Approve VIP |
|
4 |
Pick up card |
4 |
Capture Card |
5 |
Do not honor |
92 |
Approved (Express Rewards Program) |
|
5 |
Do not honor |
5 |
Do not honor |
8 |
Honor with ID |
100 |
Deny |
|
6 |
Error |
7 |
Pick-up Card, special condition |
10 |
Partial Approval |
101 |
Expired Card |
|
7 |
Pick up card, special condition |
8 |
Honor with ID |
12 |
Invalid transaction |
103 |
Deny - Invalid Manual Entry |
|
10 |
Partial approval |
10 |
Approved for partial amount |
13 |
Invalid amount |
104 |
Deny - New card issued |
|
11 |
VIP approval |
11 |
Approved |
14 |
Invalid card number |
105 |
Deny - Account Canceled |
|
12 |
Invalid transaction |
12 |
Invalid transaction |
15 |
Invalid issuer |
107 |
Please call issuer |
|
13 |
Invalid amount |
13 |
Invalid amount |
25 |
Unable to locate record |
109 |
Invalid Merchant |
|
14 |
Invalid account number |
14 |
Invalid Card Number |
27 |
File update field edit error |
110 |
Invalid Amount |
|
15 |
No such issuer |
15 |
Invalid Issuer |
30 |
Format error |
111 |
Invalid Account |
|
19 |
Re-enter transaction |
19 |
Re-enter transaction |
41 |
Lost card |
115 |
Service not permitted |
|
21 |
No action taken |
30 |
Format error |
43 |
Stolen card |
122 |
Invalid security code |
|
25 |
Unable to locate record in file |
31 |
Bank not supported by switch |
51 |
Insufficient funds |
125 |
Invalid effective date |
|
28 |
File is temporarily unavailable |
33 |
Expired Card |
54 |
Expired card |
181 |
Format error |
|
39 |
No credit account |
34 |
Suspected fraud |
55 |
Invalid PIN |
182 |
Please wait |
|
41 |
Pick up card (lost card) |
35 |
Card Acceptor contact Acquirer |
57 |
Transaction not permitted to cardholder |
183 |
Invalid currency code |
|
43 |
Pick up card (stolen card) |
36 |
Restricted Card |
58 |
Tranaction not permitted to terminal |
187 |
Deny new card issued |
|
51 |
Insufficient funds |
37 |
Card Acceptor call Acquirer security |
61 |
Exceeds withdrawal limit |
188 |
Deny - Account Canceled |
|
52 |
No checking account |
38 |
Allowable PIN tries exceeded |
62 |
Restricted card |
189 |
Deny closed merchant |
|
53 |
No savings account |
39 |
No credit Account |
63 |
Security violation |
200 |
Deny - pick up card |
|
54 |
Expired card |
40 |
Requested function not supported |
65 |
Exceeds withdrawal count |
400 |
Reversal Accepted |
|
55 |
Incorrect PIN |
41 |
Lost Card |
68 |
Response late |
|
|
|
57 |
Transaction not permitted to cardholder |
43 |
Stolen Card |
70 |
Contact card Issuer |
|
|
|
58 |
Transaction not allowed at terminal |
51 |
Decline |
71 |
PIN not changed |
|
|
|
59 |
Suspected Fraud |
53 |
No savings Account |
75 |
PIN tries exceeded |
|
|
|
61 |
Activity amount limit exceeded |
54 |
Expired Card |
76 |
Invalid "to" account |
|
|
|
62 |
Restricted card |
55 |
Invalid PIN |
77 |
Invalid "from" account |
|
|
|
63 |
Security violation |
56 |
No Card record |
78 |
Nonexistent account |
|
|
|
65 |
Activity count limit exceeded |
57 |
Transaction not permitted to Issuer/Cardholder |
79 |
Key exchange validation failed |
|
|
|
75 |
Allowable number of PIN-entry tries exceeded |
58 |
Transaction not permitted to Acquirer/terminal |
80 |
Duplicate add, action not performed |
|
|
|
76 |
Unable to locate previous message |
59 |
Suspected fraud |
84 |
Invalid auth life cycle |
|
|
|
77 |
Message inconsistent with original message |
60 |
Card acceptor contact Acquirer |
85 |
Not declined |
|
|
|
78 |
Blocked, first used |
61 |
Exceeds withdrawal amount limit |
87 |
Cash back not allowed |
|
|
|
80 |
Invalid date |
62 |
Restricted Card |
89 |
Auth system or issuer inop |
|
|
|
81 |
PIN crypto error |
63 |
Security violation |
91 |
Auth system or issuer inop |
|
|
|
82 |
Incorrect CVV |
64 |
Original amount incorrect |
92 |
Unable to route transaction |
|
|
|
83 |
Unable to verify PIN |
65 |
Exceeds withdrawal count limit |
94 |
Duplicate transmission |
|
|
|
85 |
No reason to decline request for account or address verification |
66 |
Card Acceptor call Acquirer's security dept |
96 |
System error |
|
|
|
91 |
Issuer or switch inoperative |
67 |
Hard capture (requires ATM pick-up |
|
|||
|
92 |
Destination cannot be found for routing |
|
|||||
|
93 |
Transaction cannot be completed; violation of law. |
|
|||||
|
96 |
System malfunction |
|
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AVS CODE (Yellow are codes that "Pass" AVS)
|
VISA |
Mastercard |
||||||
|
AVS resp |
Addr Match |
Zip Match |
Inter. Only |
AVS resp |
Addr Match |
Zip Match |
|
|
A |
Y |
N |
N |
A |
Y |
N |
|
|
B |
Y |
X |
N |
B |
Y |
X |
|
|
C |
X |
X |
N |
C |
X |
X |
|
|
D |
Y |
Y |
Y |
D |
Y |
Y |
|
|
F |
Y |
Y |
Y |
F |
Y |
Y |
|
|
G |
X |
X |
Y |
G |
X |
X |
|
|
I |
X |
X |
Y |
I |
X |
X |
|
|
M |
Y |
Y |
Y |
M |
Y |
Y |
|
|
N |
N |
N |
N |
N |
N |
N |
|
|
P |
X |
Y |
N |
P |
X |
Y |
|
|
R |
X |
X |
N |
R |
X |
X |
|
|
S |
NA |
NA |
NA |
S |
X |
X |
|
|
U |
X |
X |
N |
U |
X |
X |
|
|
W |
NA |
NA |
NA |
W |
N |
Y |
|
|
X |
NA |
NA |
NA |
X |
Y |
Y |
|
|
Y |
Y |
Y |
N |
Y |
Y |
Y |
|
|
Z |
N |
Y |
N |
Z |
N |
Y |
|
|
AMEX |
Discover |
||||||
|
AVS resp |
Addr Match |
Zip Match |
Name Match |
AVS resp |
Addr Match |
Zip Match |
|
|
A |
Y |
N |
X |
A |
Y |
Y |
|
|
D |
N |
Y |
N |
S |
X |
X |
|
|
E |
Y |
Y |
N |
T |
N |
Y |
|
|
F |
Y |
N |
N |
U |
X |
X |
|
|
K |
N |
N |
Y |
W |
X |
X |
|
|
L |
N |
Y |
Y |
X |
Y |
Y |
|
|
M |
Y |
Y |
Y |
Y |
Y |
N |
|
|
N |
N |
N |
X |
Z |
N |
Y |
|
|
O |
Y |
N |
Y |
||||
|
R |
X |
X |
X |
||||
|
S |
X |
X |
X |
||||
|
U |
X |
X |
X |
||||
|
W |
N |
N |
N |
||||
|
Y |
Y |
Y |
X |
||||
|
Z |
N |
Y |
X |
||||