| Accel | 000 | Approved |
| Accel | 001 | Approved with identification |
| Accel | 002 | Approved for partial amount |
| Accel | 003 | Approved (VIP) |
| Accel | 100 | Do not honor (general denial) |
| Accel | 101 | Expired card |
| Accel | 102 | Suspected fraud |
| Accel | 103 | Card acceptor contact acquirer |
| Accel | 104 | Restricted card |
| Accel | 105 | Card acceptor call acquirer's security department |
| Accel | 106 | Allowable PIN tries exceeded |
| Accel | 107 | Refer to card issuer |
| Accel | 108 | Refer to card issuer's special condition |
| Accel | 109 | Invalid merchant |
| Accel | 110 | Invalid amount |
| Accel | 111 | Invalid card number |
| Accel | 112 | PIN data required |
| Accel | 113 | Unacceptable fee |
| Accel | 114 | No account of type requested |
| Accel | 115 | Requested function not supported (invalid transaction) |
| Accel | 116 | Insufficient funds |
| Accel | 117 | Incorrect PIN |
| Accel | 118 | No card record |
| Accel | 119 | Transaction not permitted to cardholder |
| Accel | 120 | Transaction not permitted to terminal |
| Accel | 121 | Exceeds withdrawal amount limits |
| Accel | 122 | Security violation |
| Accel | 123 | Exceeds withdrawal limit frequency |
| Accel | 124 | Violation of law |
| Accel | 126 | Invalid PIN block |
| Accel | 127 | PIN length error |
| Accel | 128 | PIN key synchronization error |
| Accel | 129 | Suspected counterfeit card |
| Accel | 130 | Transaction failed OFAC check |
| Accel | 131 | Check not acceptable |
| Accel | 180 | Limit exceeded due to cash back amount |
| Accel | 181 | Enter lesser amount |
| Accel | 182 | Institution not supported by switch |
| Accel | 183 | Balances not available for inquiry |
| Accel | 184 | Resubmission in violation of network rules |
| Accel | 185 | Stop Payment on check (shared branch only) |
| Accel | 200 | Do not honor |
| Accel | 201 | Expired card-Denial advice |
| Accel | 202 | Suspected fraud |
| Accel | 203 | Card acceptor contact acquirer |
| Accel | 204 | Restricted card |
| Accel | 205 | Card acceptor call acquirer's security department |
| Accel | 206 | Allowable PIN tries exceeded |
| Accel | 207 | Special conditions |
| Accel | 208 | Lost card |
| Accel | 209 | Stolen card |
| Accel | 210 | Suspected counterfeit card |
| Accel | 211 | Invalid card number |
| Accel | 214 | No account of type requested |
| Accel | 216 | Insufficient funds |
| Accel | 217 | Incorrect PIN |
| Accel | 400 | Accepted |
| Accel | 600 | Accepted |
| Accel | 601 | Not able to trace back to original transaction |
| Accel | 800 | Accepted |
| Accel | 880 | Key Change rejected-check value mismatch |
| Accel | 881 | Key Change rejected-local system problem |
| Accel | 882 | Key Change rejected-key change in progress |
| Accel | 883 | Declined-incorrect institution identifier |
| Accel | 900 | Accepted |
| Accel | 907 | Card issuer or switch inoperative |
| Accel | 908 | Transaction destination cannot be found for routing |
| Accel | 909 | System malfunction |
| NYCE | 00 | Approved or completed successfully |
| NYCE | 01 | Function not available-refer to card issuer |
| NYCE | 02 | Refer to card issuer's special conditions |
| NYCE | 03 | Invalid merchant or terminal |
| NYCE | 05 | Do not honor |
| NYCE | 07 | Capture card, special conditions (bad delay) |
| NYCE | 10 | Partial Approval |
| NYCE | 12 | Invalid transaction |
| NYCE | 13 | Invalid amount |
| NYCE | 14 | Invalid card number (no such number) |
| NYCE | 15 | Cardholder not on file |
| NYCE | 24 | File update not supported by receiver (only in 03xx) |
| NYCE | 25 | Unable to locate record on file (only in 03xx) |
| NYCE | 26 | Duplicate file update record, no action (only in 03xx) |
| NYCE | 27 | File update field edit error (only in 03xx) |
| NYCE | 28 | File update record locked out (only in 03xx) |
| NYCE | 29 | File update not successful, contact acquirer (only in 03xx) |
| NYCE | 30 | Format error, Data Element 044 (additional response data) contains bit # in e |
| NYCE | 31 | Bank not supported by switch |
| NYCE | 33 | Expired card, capture |
| NYCE | 34 | Suspected fraud, capture |
| NYCE | 38 | Allowable PIN tries exceeded, capture |
| NYCE | 39 | No credit account |
| NYCE | 40 | Requested function not supported |
| NYCE | 41 | Lost card, capture |
| NYCE | 42 | Invalid account |
| NYCE | 43 | Stolen card, capture |
| NYCE | 44 | Lost/stolen card, no capture |
| NYCE | 51 | Insufficient funds |
| NYCE | 52 | No checking account |
| NYCE | 53 | No savings account |
| NYCE | 54 | Expired card |
| NYCE | 55 | Incorrect PIN |
| NYCE | 56 | No card record |
| NYCE | 57 | Transaction not permitted to cardholder |
| NYCE | 58 | Transaction not permitted to terminal |
| NYCE | 59 | Suspected fraud |
| NYCE | 61 | Exceeds withdrawal amount limit |
| NYCE | 62 | Restricted card |
| NYCE | 63 | Security violation (may also be a chargeback) |
| NYCE | 65 | Exceeds withdrawal frequency limit |
| NYCE | 67 | Hard capture, permanent restraint |
| NYCE | 75 | Allowable number of PIN tries exceeded |
| NYCE | 76 | Key synchronization error (NYCE) |
| NYCE | 81 | Issuer-requested stand-in |
| NYCE | 89 |
Card Verification Value (all CVx, ICVx, dCVx routines) validation failed (no pickup)
suspected counterfeit card
|
| NYCE | 90 | Processor not signed on |
| NYCE | 91 | Card issuer unavailable |
| NYCE | 92 | Financial institution or intermediate network unknown for routing |
| NYCE | 94 | Duplicate transaction |
| NYCE | 96 | System malfunction |
| NYCE | N0 | Authorization life cycle unacceptable |
| NYCE | N1 | Authorization life cycle expired |
| NYCE | RD | RMS reject (due to risk scoring) |
| NYCE | S9 | Expiration date mismatch |
| NYCE | SA | Inactive card |
| NYCE | SD | Account closed |
| NYCE | SP | Invalid AVS |
| NYCE | T7 | Partial Approval, cash-back not allowed |
| NYCE | TA | ARQC validation failed for ICC chip card |
| Pulse | 00 | Approved or completed successfully |
| Pulse | 01 | Refer to card issuer |
| Pulse | 02 | Refer to card issuer (special condition) |
| Pulse | 03 | Invalid merchant |
| Pulse | 04 | Pick up card (no fraud) |
| Pulse | 05 | Do not honor |
| Pulse | 07 | Pick up card special conditions |
| Pulse | 10 | Approved for partial amount |
| Pulse | 12 | Invalid transaction |
| Pulse | 13 | Invalid amount |
| Pulse | 14 | Invalid card number (no such number) |
| Pulse | 15 | No such issuer |
| Pulse | 19 | Re-enter transaction |
| Pulse | 20 | Invalid response |
| Pulse | 23 | Unacceptable transaction fee |
| Pulse | 30 | Format error (may also be a reversal) |
| Pulse | 31 | Bank not supported by switch |
| Pulse | 33 | Expired card pick-up |
| Pulse | 34 | Suspected fraud pick-up |
| Pulse | 35 | Card acceptor contact acquirer pick-up |
| Pulse | 36 | Restricted card pick-up |
| Pulse | 37 | Card acceptor call acquirer security pick-up |
| Pulse | 38 | Allowable PIN tries exceeded pick-up |
| Pulse | 39 | No credit account |
| Pulse | 40 | Requested function not supported |
| Pulse | 41 | Lost card pick up |
| Pulse | 42 | No universal account |
| Pulse | 43 | Stolen card pick up |
| Pulse | 44 | No investment account |
| Pulse | 51 | Insufficient funds |
| Pulse | 52 | No checking account |
| Pulse | 53 | No savings account |
| Pulse | 54 | Expired card |
| Pulse | 55 | Incorrect PIN |
| Pulse | 56 | No card record |
| Pulse | 57 | Transaction not permitted to cardholder |
| Pulse | 58 | Transaction not permitted to terminal (may also be a chargeback) |
| Pulse | 59 | Suspected fraud |
| Pulse | 60 | Card acceptor contact acquirer |
| Pulse | 61 | Exceeds withdrawal amount limit |
| Pulse | 62 | Restricted card |
| Pulse | 63 | Security violation (may also be a chargeback) |
| Pulse | 65 | Exceeds withdrawal frequency limit |
| Pulse | 66 | Card acceptor call acquirer security |
| Pulse | 67 | Hard capture pick-up |
| Pulse | 75 | Allowable number of PIN tries exceeded |
| Pulse | 76 | Key synchronization error |
| Pulse | 78 | Customer not eligible for POS |
| Pulse | 79 | Invalid Digital Signature |
| Pulse | 80 | Stale dated transaction |
| Pulse | 88 | Information not on file |
| Pulse | 89 | Card verification value (CVV) or iCVV verification failed (no pick-up) |
| Pulse | 90 | Cutoff in progress |
| Pulse | 91 | Issuer or switch is inoperative |
| Pulse | 92 | Financial institution or intermediate network unknown for routing |
| Pulse | 93 | Transaction cannot be completed violation of law |
| Pulse | 94 | Duplication transaction |
| Pulse | 95 | Reconcile error |
| Pulse | 96 | System malfunction |
| Pulse | N0 | Authorization life cycle unacceptable |
| Pulse | N1 | Authorization life cycle expired |
| Pulse | R3 | Approved with overdraft protection |
| Pulse | R4 | Invalid CVC3/ATC/dCVV |
| Pulse | S5 | PIN not selected |
| Pulse | S6 | PIN already selected |
| Pulse | S8 | Allowable PAN tries exceeded - denial |
| Pulse | S9 | Expiration date mismatch |
| Pulse | SA | Inactive card |
| Pulse | SB | Expiration date mismatch (card pickup) |
| Pulse | SC | Item suspected for stop pay |
| Pulse | SD | Account closed |
| Pulse | SE | Ineligible account |
| Pulse | SF | Item submitted more than two times |
| Pulse | SG | No account on file - absolute |
| Pulse | SH | Unable to locate |
| Pulse | SI | General denial |
| Pulse | SJ | Item settled via ACH |
| Pulse | SK | Cross-reference card not found |
| Pulse | SL | Category limit exceeded |
| Pulse | SM | Transaction limit exceeded |
| Pulse | SN | Daily limit exceeded |
| Pulse | SO | Monthly limit exceeded |
| Pulse | SQ | PIN Key Synch Error |
| Pulse | SR | Bad CVV2 |
| Pulse | SS | Stop payment order |
| Pulse | ST | Revocation of authorization order |
| Pulse | SV | Stop recurring payments |
| Pulse | T3 | Lost card (no pickup) |
| Pulse | T4 | Closed account |
| Pulse | T5 | Dormant account |
| Pulse | T6 | Special conditions (no pickup) |
| Pulse | T7 | Purchase only approval for purchase with cash back transactions |
| Pulse | T9 | Insufficient funds for fees |
| Pulse | TA | ARQC validation failed for contactless Chip data rules |
| Pulse | TB | Unsafe PIN |
| | |
| Star, Star Acces | 00 | Approved |
| Star, Star Acces | 01 | Refer to Card Issuer |
| Star, Star Acces | 02 | Refer to Card Issuer, special condition |
| Star, Star Acces | 03 | Invalid merchant |
| Star, Star Acces | 04 | Pick-up |
| Star, Star Acces | 05 | Do not honor |
| Star, Star Acces | 06 | Error/General Denial |
| Star, Star Acces | 07 | Pick-up card, special conditions |
| Star, Star Acces | 08 | Honor w/ID |
| Star, Star Acces | 09 | Request in progress |
| Star, Star Acces | 10 | Approved for partial Amount |
| Star, Star Acces | 11 | Transaction approved (VIP) |
| Star, Star Acces | 12 | Invalid Transaction |
| Star, Star Acces | 13 | Invalid amount |
| Star, Star Acces | 14 | Invalid card number (no such number) |
| Star, Star Acces | 15 | No such issuer |
| Star, Star Acces | 16 | Approved |
| Star, Star Acces | 19 | Re-enter transaction |
| Star, Star Acces | 20 | Invalid response |
| Star, Star Acces | 23 | Unacceptable transaction fee |
| Star, Star Acces | 24 | File update not supported by |
| Star, Star Acces | 25 | Unable to locate record on file |
| Star, Star Acces | 26 | Duplicate file update record |
| Star, Star Acces | 27 | File update edit error |
| Star, Star Acces | 28 | File update file locked out |
| Star, Star Acces | 29 | File update not successful, contact acquirer |
| Star, Star Acces | 30 | Format error |
| Star, Star Acces | 31 | Bank not supported by switch |
| Star, Star Acces | 33 | Expired card (capture) |
| Star, Star Acces | 34 | Suspected fraud (capture) |
| Star, Star Acces | 35 | Card acceptor contact acquirer (capture) |
| Star, Star Acces | 36 | Restricted card (capture) |
| Star, Star Acces | 37 | Card acceptor, call acquirer security (capture) |
| Star, Star Acces | 38 | Allowable PIN tries exceeded (capture) |
| Star, Star Acces | 39 | No credit account |
| Star, Star Acces | 40 | Requested function not supported |
| Star, Star Acces | 41 | Lost card |
| Star, Star Acces | 42 | No universal account |
| Star, Star Acces | 43 | Stolen card (capture) |
| Star, Star Acces | 44 | No investment account |
| Star, Star Acces | 51 | Not sufficient funds |
| Star, Star Acces | 52 | No checking account |
| Star, Star Acces | 53 | No savings account |
| Star, Star Acces | 54 | Expired card |
| Star, Star Acces | 55 | Incorrect PIN |
| Star, Star Acces | 56 | No card record |
| Star, Star Acces | 57 | Transaction not permitted to cardholder |
| Star, Star Acces | 58 | Transaction not permitted to terminal |
| Star, Star Acces | 59 | Suspected fraud |
| Star, Star Acces | 60 | Card acceptor contact acquirer |
| Star, Star Acces | 61 | Exceeds ATM withdrawal or POS purchase amount limit |
| Star, Star Acces | 62 | Restricted card |
| Star, Star Acces | 63 | Security violation |
| Star, Star Acces | 65 | Exceeds withdrawal frequency limit |
| Star, Star Acces | 66 | Card acceptor call Acquirer's security department |
| Star, Star Acces | 67 | Hard capture |
| Star, Star Acces | 68 | Late Response |
| Star, Star Acces | 75 | Allowable PIN tries exceeded |
| Star, Star Acces | 76 | Key sync error* |
| Star, Star Acces | 78 | Cardholder not eligible for POS |
| Star, Star Acces | 80 | Private use (Stale dated transaction) |
| Star, Star Acces | 82 | Count exceeds limit (valid only for VisaNet issuers) |
| Star, Star Acces | 84 | Time for preauthorization reached (Only valid for Interlink issuers) |
| Star, Star Acces | 85 | Additional authentication required |
| Star, Star Acces | 86 | Cannot verify PIN (valid only for VisaNet issuers) |
| Star, Star Acces | 87 | Duplicate |
| Star, Star Acces | 88 | Information not on file |
| Star, Star Acces | 89 | Card Validation failure (CVC/CVV) |
| Star, Star Acces | 90 |
STAR SE/W platform: Cutoff in progress (or) STAR NE platform: Card Validation failure
(CVC/CVV)-Track 2
|
| Star, Star Acces | 91 | Issuer inoperative/unavailable |
| Star, Star Acces | 92 | FI cannot be found for routing * |
| Star, Star Acces | 93 | Transaction cannot be completed |
| Star, Star Acces | 94 | Duplicate transaction |
| Star, Star Acces | 95 | Reconcile error |
| Star, Star Acces | 96 | System malfunction |
| Star, Star Acces | 98 | Card Validation failure (CVC2/CVV2)-Trackless Transactions |
| Star, Star Acces | 99 | Card Validation failure (CVC3/CVV3) |
| Star, Star Acces | A1 | Invalid voucher ID |
| Star, Star Acces | A2 | Invalid authorization number |
| Star, Star Acces | K2 | Special reply for SE/W token lookup |
| Star, Star Acces | K3 | Token lookup failure |
| Star, Star Acces | R4 | CVC3/dCVV failure |
| Star, Star Acces | S7 | Unmatched voucher information |
| Star, Star Acces | S9 | Expiration date mismatch - no capture |
| Star, Star Acces | SA | Inactive Card |
| Star, Star Acces | SB | Expiration date mismatch capture card |
| Star, Star Acces | SC | Item suspected for stop pay |
| Star, Star Acces | SD | Acct closed |
| Star, Star Acces | SE | Ineligible account |
| Star, Star Acces | SF | Item submitted more than two times |
| Star, Star Acces | SG | No acct on file |
| Star, Star Acces | SH | Unable to locate |
| Star, Star Acces | SI | General Denial |
| Star, Star Acces | SM | Transaction limit exceeded |
| Star, Star Acces | SP | Special conditions (no capture) |
| Star, Star Acces | SR |
Card validation (CVC2/CVV2) Failure (or) 3-D Secure (MC Secure Code AAV/VISA CAVV) Failure
|
| Star, Star Acces | T3 | Lost card (no capture) |
| Star, Star Acces | T4 | Closed account |
| Star, Star Acces | T5 | Dormant account |
| Star, Star Acces | T6 | Special conditions/CV Threshold reached |
| Star, Star Acces | T7 | ATC Failure |
| Star, Star Acces | T8 | ARQC Validation Failure |
| Star, Star Acces | TA | ARQC Validation Failure |
| Star, Star Acces | TG | ATC Failure |
| Star, Star Acces | TS | Suspected Fraud |
| Star, Star Acces | VC | Risk Block (country code blocking) |
| Maestro | 00 | Approved or completed successfully |
| Maestro | 01 | Refer to card issuer |
| Maestro | 04 | Capture card |
| Maestro | 05 | Do not honor |
| Maestro | 10 | Partial Approval |
| Maestro | 12 | Invalid transaction |
| Maestro | 13 | Invalid amount |
| Maestro | 14 | Invalid card number |
| Maestro | 15 | Invalid issuer |
| Maestro | 30 | Format error |
| Maestro | 41 | Lost card |
| Maestro | 43 | Stolen card |
| Maestro | 51 | Insufficient funds/over credit limit |
| Maestro | 54 | Expired card |
| Maestro | 55 | Invalid PIN |
| Maestro | 57 | Transaction not permitted to issuer/cardholder |
| Maestro | 58 | Transaction not permitted to acquirer/terminal |
| Maestro | 61 | Exceeds withdrawal amount limit |
| Maestro | 62 | Restricted card |
| Maestro | 63 | Security violation |
| Maestro | 65 | Exceeds withdrawal count limit |
| Maestro | 70 | Contact card issuer |
| Maestro | 71 | PIN not changed |
| Maestro | 75 | Allowable number of PIN tries exceeded |
| Maestro | 76 | Invalid/nonexistent "To Account" specified |
| Maestro | 77 | Invalid/nonexistent "Fron Account" specified |
| Maestro | 78 | Invalid/nonexistent account specified(general) |
| Maestro | 79 | "Life cycle (Mastercard use only for 0210 messages)" |
| Maestro | 81 | Domestic Debit Transaction Not Allowed (Regional use only) |
| Maestro | 82 | "Policy (Mastercard use only for 0210 messages)" |
| Maestro | 83 | "Fraud/Security (Mastercard use only for 0210 messages)" |
| Maestro | 84 | Invalid Authorization Life Cycle |
| Maestro | 85 | Not declined |
| Maestro | 86 | PIN validation not possible |
| Maestro | 87 | Purchase Amount only, no cash back allowed |
| Maestro | 88 | Cryptograpic failure |
| Maestro | 89 | Unacceptable PIN - Transaction declined - Retry |
| Maestro | 91 | Authorization platform or issuer system inoperative |
| Maestro | 92 | Unable to route transaction |
| Maestro | 94 | Duplicate transmission detected |
| Maestro | 96 | System Error |
