Credit Card Verification
Returned within the following response objects:
Returned within an error result object from the following requests:
Credit Card: CreateCredit Card: UpdateCustomer: CreateCustomer: UpdatePayment Method: CreatePayment Method: Update
Returned directly or within a successful result object from the following requests:
Attributes
Optional additional processor response information, provided as further context for the primary processor response.
AmountDecimalThe amount used when verifying the card.
This field is populated if there was an error when checking AVS or the processing bank does not support AVS. Possible values:
S= Issuing bank does not support AVSE= AVS system error
If this value is null, you will see responses in both AvsPostalCodeResponseCode and AvsStreetAddressResponseCode.
This is populated if the processor supports the address verification system (AVS). Possible values:
M= MatchesN= Does not matchU= Not verifiedI= Not providedA= Not applicableB= Bypass
This is populated if the processor supports the address verification system (AVS). Possible values:
M= MatchesN= Does not matchU= Not verifiedI= Not providedA= Not applicableB= Bypass
BillingmapBilling address information associated with the credit card verification.
CompanystringCompany name.
CountryCodeAlpha2stringThe 2-letter shipping country code.
CountryCodeAlpha3stringThe 3-letter shipping country code.
CountryCodeNumericstringThe numeric shipping country code.
CountryNamestringThe country name.
ExtendedAddressstringThe extended address information—such as apartment or suite number.
FirstNamestringThe first name.
The phone number that belongs to the address that is structured with country code and national number.
CountryCodestringCountry code of phone number. 1-3 digits. Required.
NationalNumberstringNational number of phone number. 4-12 digits. Required.
LastNamestringThe last name.
LocalitystringThe locality/city.
PhoneNumberstringDeprecated.
We recommend using international_phone. This functionality still exists in the gateway but is no longer documented. This parameter will be removed in the future.
PostalCodestringThe postal code.
RegionstringThe state or province.
StreetAddressstringThe billing street address.
CreatedAtDateTimeThe date/time the object was created. Returned in UTC.
CreditCardobjCredit card information associated with the verification.
The first 6 digits of the credit card, known as the bank identification number (BIN).
CardholderNamestringThe cardholder name associated with the credit card.
CommercialenumCredit card information associated with the verification.
CountryOfIssuancestringThe country that issued the credit card. Possible country values follow ISO 3166-1.
The value Unknown will be returned if we cannot immediately determine the card's country of issuance from the bank identification number (BIN).
CustomerLocationenumCredit card information associated with the verification.
DebitenumCredit card information associated with the verification.
DurbinRegulatedenumCredit card information associated with the verification.
ExpirationMonthstringThe expiration month of the credit card used, formatted MM.
ExpirationYearstringThe expiration year of the credit card used, formatted YYYY.
HealthcareenumCredit card information associated with the verification.
IssuingBankstringThe bank that issued the credit card.
The last 4 digits of the credit card number.
PayrollenumCredit card information associated with the verification.
PrepaidenumCredit card information associated with the verification.
ProductIdstringThe code for the product type of the card (e.g. D (Visa Signature Preferred), G (Visa Business)). See Product ID codes below for possible values.
TokenstringThe Vault token for the credit card.
A randomly-generated string that uniquely identifies a credit card number in the Vault. If the same credit card is added to a merchant's Vault multiple times, each Vault entry will have the same unique identifier. This value is randomly generated by merchant gateway account, so it will be different for each merchant's Vault.
The currency of the verification amount (e.g. "USD" for US dollars). See the ISO 4217 codes.
The processing bank's response to the card verification value (CVV) provided by the customer. Possible values:
M= MatchesN= Does not matchU= Not verifiedI= Not providedS= Issuer does not participateA= Not applicableB= Bypass
This value will only be set if the transaction status is gateway_rejected. Possible values:
"application_incomplete""avs""avs_and_cvv""cvv""duplicate""fraud""three_d_secure"
GraphQLIdstringThe unique identifier used to identify this credit card verification in Braintree's GraphQL API.
IdstringThe string value representing a specific credit card verification in the Vault. Length and format of gateway-generated tokens and IDs may change at any time.
MerchantAccountIdstringThe merchant account ID used for the credit card verification. Currency is also determined by merchant account ID.
NetworkResponseCodestringThe network response code. When present, this field can provide additional detail about why a verification was declined, but the ProcessorResponseCode should be considered the source of truth. See the list of possible network responses.
NetworkResponseTextstringThe network response text for the NetworkResponseCode.
ProcessorResponseCodestringThe processor response code. See the list of possible processor authorization responses.
ProcessorResponseTextstringThe processor response text. See the list of possible processor authorization responses.
ProcessorResponseTypestringThe processor response type. Possible values:
"approved""soft_declined""hard_declined"
See the list of possible processor authorization responses, and definitions of soft and hard declines.
RiskDatamapAny applicable risk data associated with the verification. The data includes the risk identifier, the device data captured flag, and the risk decision, which can provide further context on how a transaction was scored by Braintree.
DecisionstringThe risk decision. Possible values:
- Not Evaluated
- Approve
- Review
- Decline
An array of strings containing the rules triggered by the fraud provider when generating the decision.
Flag indicating whether device session data was successfully captured and processed by the fraud service.
FraudServiceProviderstringThe fraud service used to determine if a transaction is likely to be fraudulent.
IdstringThe risk data identifier.
TransactionRiskScorestringThe score returned by the fraud provider as a measurement of the transaction's likelihood for being fraudulent.
StatusstringPossible values:
- processor_declined
- gateway_rejected
- failed
- verified
The 3D Secure information for this transaction.
CavvstringCardholder Authentication Verification Value or "CAVV". The main encrypted message issuers and card networks use to verify authentication has occured. Mastercard refers to this field as AAV, while American Express refers to this field as AEVV.
DsTransactionIdstringTransaction identifier resulting from 3D Secure 2 authentication.
EciFlagstringThe value of the electronic commerce indicator (ECI) flag, which indicates the outcome of the 3DS authentication.
Possible values for Mastercard:
00= Failed or not attempted01= Attempted02= Success04= Data-Only (Applies to limited processors)
Possible values for all other card brands:
07= Failed or not attempted06= Attempted05= Success
EnrolledstringIndicates whether a card is enrolled in a 3D Secure program or not. Possible values:
Y= YesN= NoU= UnavailableB= BypassE= RequestFailure
Indicates whether a liability shift is possible.
LiabilityShiftedboolIndicates whether the liability shifted or not.
StatusstringThe 3D Secure status value. For a list of all possible statuses and their liability shifts, see the 3D Secure guide.
ThreeDSecureVersionstringThe version of 3D Secure authentication used for the transaction. Composed of digits separated by periods (e.g. 1.0.2, 2.1.0).
XidstringTransaction identifier resulting from 3D Secure authentication. This field will no longer be used in 3D Secure 2 authentications.
Product ID codes
The Braintree gateway returns the following product IDs for credit and debit card payment methods. The product ID is generally 1-3 characters and indicates the specific credit product that was issued to the customer.
| Product ID code | Product name |
|---|---|
| 001 | Discover Consumer Credit – Rewards |
| 002 | Discover Commercial Credit |
| 003 | Discover Consumer Debit |
| 004 | Discover Commercial Debit |
| 005 | Discover Prepaid Gift |
| 006 | Discover Prepaid ID known |
| 007 | Discover Consumer Credit – Premium |
| 008 | Discover Consumer Credit - Core |
| 009 | Discover Private Label Credit |
| 010 | Discover Commercial Credit – Executive Business |
| 011 | Discover Consumer Credit – Premium Plus |
| 012 | Discover Commercial Prepaid – Non-Reloadable |
| 013 | Discover PayPal |
| 014 | Discover PayPal Mobile |
| A | Visa Traditional |
| B | Visa Traditional Rewards |
| BPD | MasterCard Business Premium Debit |
| C | Visa Signature |
| CIR | MasterCard Cirrus |
| D | Visa Signature Preferred |
| DAG | Global Debit MasterCard Salary |
| DAP | Platinum Debit MasterCard Salary |
| DAS | Standard Debit MasterCard Salary |
| DLG | Debit MasterCard Gold Delayed Debit |
| DLH | Debit MasterCard World Embossed Delayed Debit |
| DLP | Debit MasterCard Platinum Delayed Debit |
| DLS | Debit MasterCard Card Delayed Debit |
| DOS | Standard Debit MasterCard Social |
| DWF | Debit MasterCard Humanitarian Prepaid |
| E | Visa Proprietary ATM |
| F | Visa Classic |
| G | Visa Business |
| G1 | Visa Signature Business |
| G3 | Visa Business Enhanced (US only) |
| G4 | Visa Infinite Business |
| G5 | Visa Business Rewards |
| I | Visa Infinite |
| I | Visa Infinite Privilege |
| I2 | Visa UHNW |
| IB | American Express Non-US |
| IR | American Express Non-US Reloadable |
| IS | American Express Non-US Stored Value |
| J3 | Visa Healthcare |
| K | Visa Corporate T&E |
| K1 | Visa GSA Corporate T&E |
| L | Visa Electron |
| MAB | World Elite MasterCard for Business Card |
| MAC | MasterCard World Elite Corporate Card |
| MAP | MasterCard Commercial Payments Account |
| MAQ | MasterCard Prepaid Commercial Payments Account |
| MBB | MasterCard Prepaid Consumer |
| MBC | MasterCard Prepaid Voucher |
| MBD | MasterCard Professional Debit BusinessCard Card |
| MBE | MasterCard Electronic Business Card |
| MBF | Prepaid MC Food |
| MBK | MasterCard Black Card |
| MBM | Prepaid MC Meal |
| MBP | MasterCard Corporate Prepaid |
| MBS | MasterCard B2B Product |
| MBT | MasterCard Corporate Prepaid Travel |
| MBW | World MasterCard Black Edition Debit |
| MCB | MasterCard BusinessCard Card |
| MCC | MasterCard Credit Card (mixed BIN) |
| MCD | Debit MasterCard Card |
| MCE | MasterCard Electronic Card |
| MCF | MasterCard Fleet Card |
| MCG | Gold MasterCard Card |
| MCH | MasterCard Premium Charge |
| MCO | MasterCard Corporate (Meeting) Card |
| MCP | MasterCard Purchasing Card |
| MCS | (Unembossed) Standard MasterCard Card |
| MCT | Titanium MasterCard Card |
| MCV | Merchant-Branded Program |
| MCW | World MasterCard Card |
| MDB | Debit MasterCard BusinessCard Card |
| MDG | Gold Debit MasterCard Card |
| MDH | World Debit Embossed MasterCard Card |
| MDJ | Debit MasterCard (Enhanced) |
| MDL | MasterCard Business Debit Other Embossed |
| MDO | MasterCard Debit Other |
| MDP | Premium Debit MasterCard Card |
| MDR | MasterCard Debit Brokerage |
| MDS | Debit MasterCard Card |
| MDT | Commercial Debit MasterCard Card |
| MDW | World Elite Debit MasterCard |
| MEB | MasterCard Executive BusinessCard Card |
| MEC | MasterCard Electronic Commercial |
| MEF | MasterCard Electronic Payment Account |
| MEO | MasterCard Corporate Executive Card |
| MET | Titanium Debit MasterCard Card |
| MFB | MasterCard Flex World Elite |
| MFD | MasterCard Flex Platinum |
| MFE | MasterCard Flex Charge World Elite |
| MFH | MasterCard Flex World |
| MFL | MasterCard Flex Charge Platinum |
| MFW | MasterCard Flex World Charge |
| MGF | MasterCard Government Commercial Card |
| MHA | MasterCard Healthcare Prepaid Non-Tax |
| MHB | MasterCard HSA Substantiated (Debit MasterCard) |
| MHD | MasterCard HELOC Debit Standard |
| MHH | MasterCard HSA Non-Substantiated (Debit MasterCard) |
| MHK | MasterCard Magna Health Access Card |
| MHD | MasterCard HELOC Debit Gold |
| MHD | MasterCard HELOC Debit Platninum |
| MHD | MasterCard HELOC Debit Premium |
| MIA | Prepaid MasterCard Unembossed Student Card |
| MIK | Prepaid MasterCard Electronic Student (Non-US) Card |
| MIL | Unembossed MasterCard Student Card (Non-US) |
| MIP | Prepaid Debit MasterCard Student Card |
| MIU | Debit MasterCard Unembossed (Non-US) |
| MLA | MasterCard Central Travel Solutions Air Card |
| MLB | MasterCard Brazil Benefit for Home Improvement |
| MLD | MasterCard Distribution Card |
| MLE | MasterCard Brazil General Benefits |
| MLF | MasterCard Agro Card |
| MLL | MasterCard Central Travel Solutions Land Card |
| MNF | MasterCard Public Sector Commercial Card |
| MNW | MasterCard World Card |
| MOC | Standard Maestro Social |
| MOG | Maestro Gold Card |
| MOP | Maestro Platinum |
| MOW | World Maestro |
| MPA | MasterCard Prepaid Debit Standard Payroll |
| MPB | MasterCard Preferred Business Card |
| MPD | MasterCard Flex Prepaid |
| MPF | MasterCard Prepaid Debit Standard Gift |
| MPG | Debit MasterCard Standard Prepaid General Spend |
| MPH | MasterCard Cash |
| MPJ | Prepaid Debit MasterCard Card Gold |
| MPK | MasterCard Prepaid Government Commercial Card |
| MPL | Platinum MasterCard Card |
| MPM | MasterCard Prepaid Debit Standard Consumer Incentive |
| MPN | MasterCard Prepaid Debit Standard Insurance |
| MPO | MasterCard Prepaid Debit Standard Offer |
| MPP | MasterCard Prepaid Card – Commercial Reward Funding |
| MPQ | MasterCard Prepaid Debit Standard Government Disaster |
| MPR | MasterCard Prepaid Debit Standard Travel |
| MPT | MasterCard Prepaid Debit Standard Teen |
| MPV | MasterCard Prepaid Debit Standard Government |
| MPW | Debit MasterCard Business Card Prepaid Workplace Business |
| MPX | MasterCard Prepaid Debit Standard Flex Benefit |
| MPY | MasterCard Prepaid Debit Standard Employee Incentive |
| MPZ | MasterCard Prepaid Debit Standard Government Consumer |
| MRB | MasterCard Prepaid Electronic Business Card (Non-US) |
| MRC | Prepaid MasterCard Electronic Card (Non-US) |
| MRF | MasterCard European Regulated Individual Pay |
| MRG | MasterCard Prepaid Card (Non-US) |
| MRH | MasterCard Platinum Prepaid Travel (US) |
| MRJ | Prepaid MasterCard Gold Card |
| MRK | Prepaid MasterCard Public Sector Commercial Card |
| MRL | Prepaid MasterCard Electronic Commercial Card (Non-US) |
| MRO | MasterCard Rewards Only |
| MRP | Standard Retailer Centric Payments |
| MRS | Prepaid MasterCard ISIC Student Card |
| MRW | Prepaid MasterCard Business Card (Non-US) |
| MSA | Prepaid Maestro Payroll Card |
| MSB | Maestro Small Business Card |
| MSF | Prepaid Maestro Gift Card |
| MSG | Prepaid Maestro Consumer Reloadable Card |
| MSI | Maestro Student Card |
| MSJ | Prepaid Maestro Gold |
| MSM | Prepaid Maestro Consumer Promotion Card |
| MSN | Prepaid Maestro Insurance Card |
| MSO | Prepaid Maestro Other Card |
| MSQ | Unknown MasterCard |
| MSR | Prepaid Maestro Travel Card |
| MST | Prepaid Maestro Teen Card |
| MSV | Prepaid Maestro Government Benefit Card |
| MSW | Prepaid Maestro Corporate (Reloadable) Card |
| MSX | Prepaid Maestro Flex Benefit Card |
| MSY | Prepaid Maestro Employee Incentive Card |
| MSZ | Prepaid Maestro Emergency Assistance Card |
| MTP | MasterCard Platinum Prepaid Travel (UK and Brazil) |
| MUS | Prepaid Unembossed MasterCard Card |
| MUW | MasterCard World Domestic Affluent |
| MWB | World Elite MasterCard Business Card |
| MWD | World Deferred MasterCard |
| MWE | World Elite MasterCard Card |
| MWF | MasterCard Humanitarian Prepaid |
| MWO | World Elite MasterCard Corporate Card |
| MWR | MasterCard World Retailer Centric Payments |
| N | Visa Platform |
| N1 | Visa Rewards |
| N2 | Visa Select |
| OLB | Maestro Small Business Delayed Debit |
| OLG | Maestro Gold Delayed Debit |
| OLP | Maestro Platinum Delayed Debit |
| OLS | Maestro (Student Card) Delayed Debit |
| OLW | World Maestro Delayed Debit |
| P | Visa Gold |
| PMC | MasterCard Proprietary Credit Card (Swedish domestic) |
| PMD | MasterCard Proprietary Debit Card (Swedish domestic) |
| PSC | MasterCard Common Proprietary Swedish Credit Card |
| PSD | MasterCard Common Proprietary Swedish Debit Card |
| PVA | MasterCard Private Label A |
| PVB | MasterCard Private Label B |
| PVC | MasterCard Private Label C |
| PVD | MasterCard Private Label D |
| PVE | MasterCard Private Label E |
| PVF | MasterCard Private Label F |
| PVG | MasterCard Private Label G |
| PVH | MasterCard Private Label H |
| PVI | MasterCard Private Label I |
| PVJ | MasterCard Private Label J |
| PVL | MasterCard Private Label L |
| Q | Visa Private Label |
| Q2 | Visa Private Label Basic |
| Q3 | Visa Private Label Standard |
| Q4 | Visa Private Label Enhanced |
| Q5 | Visa Private Label Specialized |
| Q6 | Visa Private Label Premium |
| R | Visa Proprietary |
| RP | American Express US Reloadable |
| S | Visa Purchasing |
| S1 | Visa Purchasing with Fleet |
| S2 | Visa GSA Purchasing |
| S3 | Visa GSA Purchasing with Fleet |
| S4 | Visa Government Services Loan |
| S5 | Visa Commercial Transport (EBT) |
| S6 | Visa Business Loan |
| S7 | Visa Distribution |
| SAG | Gold MasterCard Salary Immediate Debit |
| SAL | Standard Maestro Salary |
| SAP | Platinum MasterCard Salary Immediate Debit |
| SAS | Standard MasterCard Salary Immediate Debit |
| SOS | Standard MasterCard Social Immediate Debit |
| SUR | Prepaid Unembossed MasterCard Card (Non-US) |
| SV | American Express US Stored Value |
| TBE | MasterCard Electronic Business Immediate Debit |
| TCB | MasterCard Corporate Immediate Debit |
| TCC | MasterCard (mixed BIN) Immediate Debit |
| TCE | MasterCard (Electronic) Student Card Immediate Debit |
| TCF | MasterCard Fleet Card Immediate Debit |
| TCG | Gold MasterCard Card Immediate Debit |
| TCO | MasterCard (Corporate) Immediate Debit |
| TCP | MasterCard Purchasing Card Immediate Debit |
| TCS | MasterCard Standard (Unembossed) Card Immediate Debit |
| TCW | MasterCard World Signia Immediate Debit |
| TEB | MasterCard Executive BusinessCard Card Immediate Debit |
| TEC | MasterCard Electronic Commercial Immediate Debit |
| TEO | MasterCard Corporate Executive Card Immediate Debit |
| TNF | MasterCard Public Sector Commercial Card Immediate Debit |
| TNW | MasterCard New World Immediate Debit |
| TPB | MasterCard Preferred Business Card Immediate Debit |
| TPL | Platinum MasterCard Immediate Debit |
| TWB | World MasterCard Black Edition Immediate Debit |
| U | Visa Travel Money |
| V | Visa V Pay |
| WBE | World MasterCard Black Edition |
| X | Visa B2B Virtual Payments |
Network response codes
In addition to the processor response code and text, some transaction and verification objects also include a network response code and text.
These network response values are the raw responses that may be returned by the card network, and when present they can provide additional detail about why a request was approved or declined. However, this information is supplemental to the processor response code; you should consider the processor response code to be the source of truth.
Each card network has distinct response codes:
| Card Network | Code | Text |
|---|---|---|
| Visa | 00 | Successful approval/completion or V.I.P. PIN verification is successful |
| Visa | 01 | Refer to card issuer |
| Visa | 02 | Refer to card issuer, special condition |
| Visa | 03 | Invalid merchant or service provider |
| Visa | 04 | Pick up card |
| Visa | 05 | Do not Honor |
| Visa | 06 | Error |
| Visa | 07 | Pick up card, special condition (other than lost/stolen card) |
| Visa | 10 | Partial Approval |
| Visa | 11 | V.I.P. approval |
| Visa | 12 | Invalid transaction |
| Visa | 13 | Invalid amount (currency conversion field overflow); or amount exceeds maximum for card program |
| Visa | 14 | Invalid account number (no such number) |
| Visa | 15 | No such issuer |
| Visa | 19 | Re-enter transaction |
| Visa | 21 | No action taken (unable to back out prior transaction) |
| Visa | 25 | Unable to locate record in file, or account number is missing from the inquiry |
| Visa | 28 | File is temporarily unavailable |
| Visa | 39 | No credit account |
| Visa | 41 | Pick up card (lost card) |
| Visa | 43 | Pick up card (stolen card) |
| Visa | 46 | Closed Account |
| Visa | 51 | Insufficient funds |
| Visa | 52 | No checking account |
| Visa | 53 | No savings account |
| Visa | 54 | Expired card |
| Visa | 55 | Incorrect PIN |
| Visa | 57 | Transaction not permitted to cardholder |
| Visa | 58 | Transaction not allowed at terminal |
| Visa | 59 | Suspected fraud |
| Visa | 61 | Activity amount limit exceeded |
| Visa | 62 | Restricted card (for instance, in Country Exclusion table) |
| Visa | 63 | Security violation |
| Visa | 64 | Transaction does not fulfill AML requirement |
| Visa | 65 | Activity count limit exceeded |
| Visa | 75 | Allowable number of PIN-entry tries exceeded |
| Visa | 76 | Unable to locate previous message (no match on retrieval reference number) |
| Visa | 77 | Previous message located for a repeat or reversal, but repeat or reversal data inconsistent with original message |
| Visa | 78 | Blocked, first used — Transaction from new cardholder, and card not properly unblocked |
| Visa | 79 | Transaction reversed |
| Visa | 80 | Visa transactions: credit issuer unavailable. Private label: invalid date |
| Visa | 81 | PIN cryptographic error found (error found by VIC security module during PIN decryption) |
| Visa | 82 | Negative Online CAM, dCVV, iCVV, or CVV results Or Offline PIN authentication interrupted |
| Visa | 85 | No reason to decline request for account number verification, address verification, CVV2 verification, or credit voucher or merchandise return |
| Visa | 86 | Cannot verify PIN |
| Visa | 91 | Issuer unavailable or switch inoperative (STIP not applicable or available for this transaction) Issuers can respond with this code, which V.I.P. passes to the acquirer without invoking stand-in processing (STIP). Issuer processors use the code to indicate they cannot perform authorization on issuers’ behalf. Code causes decline at POS. |
| Visa | 1A | Additional customer authentication required |
| Visa | B1 | B116 Surcharge amount not permitted on Visa cards |
| Visa | N0 | Force STIP |
| Visa | N3 | Cash service not available |
| Visa | N4 | Cashback request exceeds issuer limit |
| Visa | N7 | Decline for CVV2 failure |
| Visa | N8 | Transaction amount exceeds pre-authorized approval amount |
| Visa | P2 | P2 Invalid biller information |
| Visa | P5 | PIN change/unblock request declined |
| Visa | P6 | Unsafe PIN |
| Visa | R0 | Stop payment order |
| Visa | R1 | Revocation of authorization order |
| Visa | R3 | Revocation of all authorizations order |
| Visa | Z3 | Unable to go online; declined |
| Visa | XA | Forward to issuer |
| Visa | XD | Forward to issuer |
| Visa | Q1 | Card authentication failed Or Offline PIN authentication interrupted |
| Mastercard | 00 | Approved or completed successfully |
| Mastercard | 01 | Refer to card issuer |
| Mastercard | 03 | Invalid merchant |
| Mastercard | 04 | Capture card Capture |
| Mastercard | 05 | Do not honor |
| Mastercard | 08 | Honor with ID |
| Mastercard | 10 | Partial Approval |
| Mastercard | 12 | Invalid transaction |
| Mastercard | 13 | Invalid amount |
| Mastercard | 14 | Invalid card number |
| Mastercard | 15 | Invalid issuer |
| Mastercard | 30 | Format error |
| Mastercard | 41 | Lost card |
| Mastercard | 43 | Stolen Card |
| Mastercard | 51 | Insufficient funds/over credit limit |
| Mastercard | 54 | Expired card |
| Mastercard | 55 | Invalid PIN |
| Mastercard | 57 | Transaction not permitted to issuer/cardholder |
| Mastercard | 58 | Transaction not permitted to acquirer/terminal |
| Mastercard | 61 | Exceeds withdrawal amount limit |
| Mastercard | 62 | Restricted card |
| Mastercard | 63 | Security violation |
| Mastercard | 65 | Exceeds withdrawal count limit |
| Mastercard | 70 | Contact Card Issuer |
| Mastercard | 71 | PIN Not Changed |
| Mastercard | 75 | Allowable number of PIN tries exceeded |
| Mastercard | 76 | Invalid/nonexistent To Account specified |
| Mastercard | 77 | Invalid/nonexistent From Account specified |
| Mastercard | 78 | Invalid/nonexistent account specified (general) |
| Mastercard | 79 | Lifecycle Declines |
| Mastercard | 81 | Domestic Debit Transaction Not Allowed (Regional use only) |
| Mastercard | 82 | Policy Declines |
| Mastercard | 84 | Invalid Authorization Life Cycle |
| Mastercard | 85 | Not declined. Valid for all zero amount transactions. |
| Mastercard | 86 | PIN Validation not possible |
| Mastercard | 87 | Purchase Amount Only, No Cash Back Allowed |
| Mastercard | 88 | Cryptographic failure |
| Mastercard | 89 | Unacceptable PIN—Transaction Declined—Retry |
| Mastercard | 91 | Authorization System or issuer system inoperative |
| Mastercard | 92 | Unable to route transaction |
| Mastercard | 94 | Duplicate transmission detected |
| Mastercard | 96 | System error |
| Discover | 00 | Approved or completed successfully |
| Discover | 01 | Reserved for future use |
| Discover | 02 | Reserved for future use |
| Discover | 03 | Invalid Merchant |
| Discover | 04 | Capture Card |
| Discover | 05 | Do not honor |
| Discover | 07 | Pick-up Card, special condition |
| Discover | 08 | Reserved for future use |
| Discover | 10 | Approved for partial amount |
| Discover | 11 | Approved |
| Discover | 12 | Invalid transaction |
| Discover | 13 | Invalid amount |
| Discover | 14 | Invalid Card Number |
| Discover | 15 | Reserved for future use |
| Discover | 19 | Re-enter transaction |
| Discover | 30 | Format error |
| Discover | 31 | Bank not supported by switch |
| Discover | 33 | Reserved for future use |
| Discover | 34 | Reserved for future use |
| Discover | 35 | Reserved for future use |
| Discover | 36 | Reserved for future use |
| Discover | 37 | Reserved for future use |
| Discover | 38 | Allowable PIN tries exceeded |
| Discover | 39 | No credit Account |
| Discover | 40 | Requested function not supported |
| Discover | 41 | Lost Card |
| Discover | 43 | Stolen Card |
| Discover | 51 | Decline |
| Discover | 53 | No savings Account |
| Discover | 54 | Expired Card |
| Discover | 55 | Invalid PIN |
| Discover | 56 | No Card record |
| Discover | 57 | Transaction not permitted to Issuer/Cardholder |
| Discover | 58 | Transaction not permitted to Acquirer/terminal |
| Discover | 59 | Suspected fraud |
| Discover | 60 | Card acceptor contact Acquirer |
| Discover | 61 | Exceeds withdrawal amount limit |
| Discover | 62 | Restricted Card |
| Discover | 63 | Security violation |
| Discover | 64 | Original amount incorrect |
| Discover | 65 | Exceeds withdrawal count limit |
| Discover | 66 | Card Acceptor call Acquirer’s security dept |
| Discover | 67 | Hard capture (requires ATM pick-up) |
| Discover | 68 | Response received too late Decline |
| Discover | 75 | Allowable number of PIN tries exceeded |
| Discover | 76 | Invalid/nonexistent “to” Account specified |
| Discover | 77 | Invalid/nonexistent “from” Account specified |
| Discover | 78 | Invalid/nonexistent Account specified (general) |
| Discover | 83 | Domain Restriction Controls Failure |
| Discover | 85 | No reason to decline |
| Discover | 87 | Network unavailable |
| Discover | 91 | Authorization system or Issuer system inoperative |
| Discover | 92 | Unable to route transaction Decline |
| Discover | 93 | Transaction cannot be completed, violation of law |
| Discover | 94 | Duplicate transmission detected |
| Discover | 96 | System malfunction Decline |
| Discover | N1 | System up |
| Discover | N2 | Soft down |
| Discover | N3 | System down |
| Discover | N7 | Decline for AVS or CID mismatch |
| Discover | P5 | PIN Change/Unblock failed |
| Discover | P6 | New PIN not accepted |
| American Express | 000 | Approved |
| American Express | 001 | Approved with ID |
| American Express | 002 | Partial Approval (Prepaid Cards only) |
| American Express | 100 | Deny |
| American Express | 101 | Expired Card / Invalid Expiration Date |
| American Express | 106 | Exceeded PIN attempts |
| American Express | 107 | Please Call Issuer |
| American Express | 109 | Invalid merchant |
| American Express | 110 | Invalid amount |
| American Express | 111 | Invalid account / Invalid MICR (Travelers Cheque) |
| American Express | 115 | Requested function not supported |
| American Express | 117 | Invalid PIN |
| American Express | 119 | Cardmember not enrolled / not permitted |
| American Express | 122 | Invalid card security code (a.k.a., CID, 4DBC, 4CSC) |
| American Express | 125 | Invalid effective date |
| American Express | 181 | Format error |
| American Express | 183 | Invalid currency code |
| American Express | 187 | Deny - New card issued |
| American Express | 189 | Deny - Canceled or Closed Merchant/SE |
| American Express | 200 | Deny - Pick up card |
| American Express | 900 | Accepted - ATC Synchronization |
| American Express | 909 | System Malfunction (Cryptographic error) |
| American Express | 912 | Issuer not available |