Credit Card Verificationanchor

Returned within the following response objects:anchor
Returned within an error result object from the following requests:anchor
Returned directly or within a successful result object from the following requests:anchor

Optional additional processor response information, provided as further context for the primary processor response.


The 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 AVS
  • E = 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 = Matches
  • N = Does not match
  • U = Not verified
  • I = Not provided
  • A = Not applicable
  • B = Bypass

This is populated if the processor supports the address verification system (AVS). Possible values:

  • M = Matches
  • N = Does not match
  • U = Not verified
  • I = Not provided
  • A = Not applicable
  • B = Bypass

Billing address information associated with the credit card verification.


Company name.

The 2-letter shipping country code.

The 3-letter shipping country code.

The numeric shipping country code.

The country name.

The extended address information—such as apartment or suite number.


The first name.


The last name.


The locality/city.

The phone number.

The postal code.


The state or province.

The billing street address.


The date/time the object was created. Returned in UTC.

Credit card information associated with the verification.

The first 6 digits of the credit card, known as the bank identification number (BIN).

The cardholder name associated with the credit card.

Credit card information associated with the verification.

The 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).

Credit card information associated with the verification.


Credit card information associated with the verification.

Credit card information associated with the verification.

The expiration month of the credit card used, formatted MM.

The expiration year of the credit card used, formatted YYYY.

Credit card information associated with the verification.

The bank that issued the credit card.

The last 4 digits of the credit card number.

Credit card information associated with the verification.

Credit card information associated with the verification.


The 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.


The 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 = Matches
  • N = Does not match
  • U = Not verified
  • I = Not provided
  • S = Issuer does not participate
  • A = Not applicable
  • B = 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"


The unique identifier used to identify this credit card verification in Braintree's GraphQL API.


The 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.

The merchant account ID used for the credit card verification. Currency is also determined by merchant account ID.

The 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.

The network response text for the networkResponseCode.

The processor response code. See the list of possible processor authorization responses.

The processor response text. See the list of possible processor authorization responses.

The 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.

Any 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.


The 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.

The fraud service used to determine if a transaction is likely to be fraudulent.


The risk data identifier.

The score returned by the fraud provider as a measurement of the transaction's likelihood for being fraudulent.


Possible values:

  • processor_declined
  • gateway_rejected
  • failed
  • verified

The 3D Secure information for this transaction.


Cardholder 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.

Transaction identifier resulting from 3D Secure 2 authentication.


The value of the electronic commerce indicator (ECI) flag, which indicates the outcome of the 3DS authentication.

Possible values for Mastercard:

  • 00 = Failed or not attempted
  • 01 = Attempted
  • 02 = Success
  • 04 = Data-Only (Applies to limited processors)

Possible values for all other card brands:

  • 07 = Failed or not attempted
  • 06 = Attempted
  • 05 = Success


Indicates whether a card is enrolled in a 3D Secure program or not. Possible values:

  • Y = Yes
  • N = No
  • U = Unavailable
  • B = Bypass
  • E = RequestFailure

Indicates whether a liability shift is possible.

Indicates whether the liability shifted or not.


The 3D Secure status value. For a list of all possible statuses and their liability shifts, see the 3D Secure guide.

The version of 3D Secure authentication used for the transaction. Composed of digits separated by periods (e.g. 1.0.2, 2.1.0).


Transaction identifier resulting from 3D Secure authentication. This field will no longer be used in 3D Secure 2 authentications.

Product ID codesanchor

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 codeProduct name
001Discover Consumer Credit – Rewards
002Discover Commercial Credit
003Discover Consumer Debit
004Discover Commercial Debit
005Discover Prepaid Gift
006Discover Prepaid ID known
007Discover Consumer Credit – Premium
008Discover Consumer Credit - Core
009Discover Private Label Credit
010Discover Commercial Credit – Executive Business
011Discover Consumer Credit – Premium Plus
012Discover Commercial Prepaid – Non-Reloadable
013Discover PayPal
014Discover PayPal Mobile
AVisa Traditional
BVisa Traditional Rewards
BPDMasterCard Business Premium Debit
CVisa Signature
CIRMasterCard Cirrus
DVisa Signature Preferred
DAGGlobal Debit MasterCard Salary
DAPPlatinum Debit MasterCard Salary
DASStandard Debit MasterCard Salary
DLGDebit MasterCard Gold Delayed Debit
DLHDebit MasterCard World Embossed Delayed Debit
DLPDebit MasterCard Platinum Delayed Debit
DLSDebit MasterCard Card Delayed Debit
DOSStandard Debit MasterCard Social
DWFDebit MasterCard Humanitarian Prepaid
EVisa Proprietary ATM
FVisa Classic
GVisa Business
G1Visa Signature Business
G3Visa Business Enhanced (US only)
G4Visa Infinite Business
G5Visa Business Rewards
IVisa Infinite
IVisa Infinite Privilege
IBAmerican Express Non-US
IRAmerican Express Non-US Reloadable
ISAmerican Express Non-US Stored Value
J3Visa Healthcare
KVisa Corporate T&E
K1Visa GSA Corporate T&E
LVisa Electron
MABWorld Elite MasterCard for Business Card
MACMasterCard World Elite Corporate Card
MAPMasterCard Commercial Payments Account
MAQMasterCard Prepaid Commercial Payments Account
MBBMasterCard Prepaid Consumer
MBCMasterCard Prepaid Voucher
MBDMasterCard Professional Debit BusinessCard Card
MBEMasterCard Electronic Business Card
MBFPrepaid MC Food
MBKMasterCard Black Card
MBMPrepaid MC Meal
MBPMasterCard Corporate Prepaid
MBSMasterCard B2B Product
MBTMasterCard Corporate Prepaid Travel
MBWWorld MasterCard Black Edition Debit
MCBMasterCard BusinessCard Card
MCCMasterCard Credit Card (mixed BIN)
MCDDebit MasterCard Card
MCEMasterCard Electronic Card
MCFMasterCard Fleet Card
MCGGold MasterCard Card
MCHMasterCard Premium Charge
MCOMasterCard Corporate (Meeting) Card
MCPMasterCard Purchasing Card
MCS(Unembossed) Standard MasterCard Card
MCTTitanium MasterCard Card
MCVMerchant-Branded Program
MCWWorld MasterCard Card
MDBDebit MasterCard BusinessCard Card
MDGGold Debit MasterCard Card
MDHWorld Debit Embossed MasterCard Card
MDJDebit MasterCard (Enhanced)
MDLMasterCard Business Debit Other Embossed
MDOMasterCard Debit Other
MDPPremium Debit MasterCard Card
MDRMasterCard Debit Brokerage
MDSDebit MasterCard Card
MDTCommercial Debit MasterCard Card
MDWWorld Elite Debit MasterCard
MEBMasterCard Executive BusinessCard Card
MECMasterCard Electronic Commercial
MEFMasterCard Electronic Payment Account
MEOMasterCard Corporate Executive Card
METTitanium Debit MasterCard Card
MFBMasterCard Flex World Elite
MFDMasterCard Flex Platinum
MFEMasterCard Flex Charge World Elite
MFHMasterCard Flex World
MFLMasterCard Flex Charge Platinum
MFWMasterCard Flex World Charge
MGFMasterCard Government Commercial Card
MHAMasterCard Healthcare Prepaid Non-Tax
MHBMasterCard HSA Substantiated (Debit MasterCard)
MHDMasterCard HELOC Debit Standard
MHHMasterCard HSA Non-Substantiated (Debit MasterCard)
MHKMasterCard Magna Health Access Card
MHDMasterCard HELOC Debit Gold
MHDMasterCard HELOC Debit Platninum
MHDMasterCard HELOC Debit Premium
MIAPrepaid MasterCard Unembossed Student Card
MIKPrepaid MasterCard Electronic Student (Non-US) Card
MILUnembossed MasterCard Student Card (Non-US)
MIPPrepaid Debit MasterCard Student Card
MIUDebit MasterCard Unembossed (Non-US)
MLAMasterCard Central Travel Solutions Air Card
MLBMasterCard Brazil Benefit for Home Improvement
MLDMasterCard Distribution Card
MLEMasterCard Brazil General Benefits
MLFMasterCard Agro Card
MLLMasterCard Central Travel Solutions Land Card
MNFMasterCard Public Sector Commercial Card
MNWMasterCard World Card
MOCStandard Maestro Social
MOGMaestro Gold Card
MOPMaestro Platinum
MOWWorld Maestro
MPAMasterCard Prepaid Debit Standard Payroll
MPBMasterCard Preferred Business Card
MPDMasterCard Flex Prepaid
MPFMasterCard Prepaid Debit Standard Gift
MPGDebit MasterCard Standard Prepaid General Spend
MPHMasterCard Cash
MPJPrepaid Debit MasterCard Card Gold
MPKMasterCard Prepaid Government Commercial Card
MPLPlatinum MasterCard Card
MPMMasterCard Prepaid Debit Standard Consumer Incentive
MPNMasterCard Prepaid Debit Standard Insurance
MPOMasterCard Prepaid Debit Standard Offer
MPPMasterCard Prepaid Card – Commercial Reward Funding
MPQMasterCard Prepaid Debit Standard Government Disaster
MPRMasterCard Prepaid Debit Standard Travel
MPTMasterCard Prepaid Debit Standard Teen
MPVMasterCard Prepaid Debit Standard Government
MPWDebit MasterCard Business Card Prepaid Workplace Business
MPXMasterCard Prepaid Debit Standard Flex Benefit
MPYMasterCard Prepaid Debit Standard Employee Incentive
MPZMasterCard Prepaid Debit Standard Government Consumer
MRBMasterCard Prepaid Electronic Business Card (Non-US)
MRCPrepaid MasterCard Electronic Card (Non-US)
MRFMasterCard European Regulated Individual Pay
MRGMasterCard Prepaid Card (Non-US)
MRHMasterCard Platinum Prepaid Travel (US)
MRJPrepaid MasterCard Gold Card
MRKPrepaid MasterCard Public Sector Commercial Card
MRLPrepaid MasterCard Electronic Commercial Card (Non-US)
MROMasterCard Rewards Only
MRPStandard Retailer Centric Payments
MRSPrepaid MasterCard ISIC Student Card
MRWPrepaid MasterCard Business Card (Non-US)
MSAPrepaid Maestro Payroll Card
MSBMaestro Small Business Card
MSFPrepaid Maestro Gift Card
MSGPrepaid Maestro Consumer Reloadable Card
MSIMaestro Student Card
MSJPrepaid Maestro Gold
MSMPrepaid Maestro Consumer Promotion Card
MSNPrepaid Maestro Insurance Card
MSOPrepaid Maestro Other Card
MSQUnknown MasterCard
MSRPrepaid Maestro Travel Card
MSTPrepaid Maestro Teen Card
MSVPrepaid Maestro Government Benefit Card
MSWPrepaid Maestro Corporate (Reloadable) Card
MSXPrepaid Maestro Flex Benefit Card
MSYPrepaid Maestro Employee Incentive Card
MSZPrepaid Maestro Emergency Assistance Card
MTPMasterCard Platinum Prepaid Travel (UK and Brazil)
MUSPrepaid Unembossed MasterCard Card
MUWMasterCard World Domestic Affluent
MWBWorld Elite MasterCard Business Card
MWDWorld Deferred MasterCard
MWEWorld Elite MasterCard Card
MWFMasterCard Humanitarian Prepaid
MWOWorld Elite MasterCard Corporate Card
MWRMasterCard World Retailer Centric Payments
NVisa Platform
N1Visa Rewards
N2Visa Select
OLBMaestro Small Business Delayed Debit
OLGMaestro Gold Delayed Debit
OLPMaestro Platinum Delayed Debit
OLSMaestro (Student Card) Delayed Debit
OLWWorld Maestro Delayed Debit
PVisa Gold
PMCMasterCard Proprietary Credit Card (Swedish domestic)
PMDMasterCard Proprietary Debit Card (Swedish domestic)
PSCMasterCard Common Proprietary Swedish Credit Card
PSDMasterCard Common Proprietary Swedish Debit Card
PVAMasterCard Private Label A
PVBMasterCard Private Label B
PVCMasterCard Private Label C
PVDMasterCard Private Label D
PVEMasterCard Private Label E
PVFMasterCard Private Label F
PVGMasterCard Private Label G
PVHMasterCard Private Label H
PVIMasterCard Private Label I
PVJMasterCard Private Label J
PVLMasterCard Private Label L
QVisa Private Label
Q2Visa Private Label Basic
Q3Visa Private Label Standard
Q4Visa Private Label Enhanced
Q5Visa Private Label Specialized
Q6Visa Private Label Premium
RVisa Proprietary
RPAmerican Express US Reloadable
SVisa Purchasing
S1Visa Purchasing with Fleet
S2Visa GSA Purchasing
S3Visa GSA Purchasing with Fleet
S4Visa Government Services Loan
S5Visa Commercial Transport (EBT)
S6Visa Business Loan
S7Visa Distribution
SAGGold MasterCard Salary Immediate Debit
SALStandard Maestro Salary
SAPPlatinum MasterCard Salary Immediate Debit
SASStandard MasterCard Salary Immediate Debit
SOSStandard MasterCard Social Immediate Debit
SURPrepaid Unembossed MasterCard Card (Non-US)
SVAmerican Express US Stored Value
TBEMasterCard Electronic Business Immediate Debit
TCBMasterCard Corporate Immediate Debit
TCCMasterCard (mixed BIN) Immediate Debit
TCEMasterCard (Electronic) Student Card Immediate Debit
TCFMasterCard Fleet Card Immediate Debit
TCGGold MasterCard Card Immediate Debit
TCOMasterCard (Corporate) Immediate Debit
TCPMasterCard Purchasing Card Immediate Debit
TCSMasterCard Standard (Unembossed) Card Immediate Debit
TCWMasterCard World Signia Immediate Debit
TEBMasterCard Executive BusinessCard Card Immediate Debit
TECMasterCard Electronic Commercial Immediate Debit
TEOMasterCard Corporate Executive Card Immediate Debit
TNFMasterCard Public Sector Commercial Card Immediate Debit
TNWMasterCard New World Immediate Debit
TPBMasterCard Preferred Business Card Immediate Debit
TPLPlatinum MasterCard Immediate Debit
TWBWorld MasterCard Black Edition Immediate Debit
UVisa Travel Money
VVisa V Pay
WBEWorld MasterCard Black Edition
XVisa B2B Virtual Payments

Network response codesanchor

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 NetworkCodeText
Visa00Successful approval/completion or V.I.P. PIN verification is successful
Visa01Refer to card issuer
Visa02Refer to card issuer, special condition
Visa03Invalid merchant or service provider
Visa04Pick up card
Visa05Do not Honor
Visa07Pick up card, special condition (other than lost/stolen card)
Visa10Partial Approval
Visa11V.I.P. approval
Visa12Invalid transaction
Visa13Invalid amount (currency conversion field overflow); or amount exceeds maximum for card program
Visa14Invalid account number (no such number)
Visa15No such issuer
Visa19Re-enter transaction
Visa21No action taken (unable to back out prior transaction)
Visa25Unable to locate record in file, or account number is missing from the inquiry
Visa28File is temporarily unavailable
Visa39No credit account
Visa41Pick up card (lost card)
Visa43Pick up card (stolen card)
Visa46Closed Account
Visa51Insufficient funds
Visa52No checking account
Visa53No savings account
Visa54Expired card
Visa55Incorrect PIN
Visa57Transaction not permitted to cardholder
Visa58Transaction not allowed at terminal
Visa59Suspected fraud
Visa61Activity amount limit exceeded
Visa62Restricted card (for instance, in Country Exclusion table)
Visa63Security violation
Visa64Transaction does not fulfill AML requirement
Visa65Activity count limit exceeded
Visa75Allowable number of PIN-entry tries exceeded
Visa76Unable to locate previous message (no match on retrieval reference number)
Visa77Previous message located for a repeat or reversal, but repeat or reversal data inconsistent with original message
Visa78Blocked, first used — Transaction from new cardholder, and card not properly unblocked
Visa79Transaction reversed
Visa80Visa transactions: credit issuer unavailable. Private label: invalid date
Visa81PIN cryptographic error found (error found by VIC security module during PIN decryption)
Visa82Negative Online CAM, dCVV, iCVV, or CVV results Or Offline PIN authentication interrupted
Visa85No reason to decline request for account number verification, address verification, CVV2 verification, or credit voucher or merchandise return
Visa86Cannot verify PIN
Visa91Issuer 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.
Visa1AAdditional customer authentication required
VisaB1B116 Surcharge amount not permitted on Visa cards
VisaN0Force STIP
VisaN3Cash service not available
VisaN4Cashback request exceeds issuer limit
VisaN7Decline for CVV2 failure
VisaN8Transaction amount exceeds pre-authorized approval amount
VisaP2P2 Invalid biller information
VisaP5PIN change/unblock request declined
VisaP6Unsafe PIN
VisaR0Stop payment order
VisaR1Revocation of authorization order
VisaR3Revocation of all authorizations order
VisaZ3Unable to go online; declined
VisaXAForward to issuer
VisaXDForward to issuer
VisaQ1Card authentication failed Or Offline PIN authentication interrupted
Mastercard00Approved or completed successfully
Mastercard01Refer to card issuer
Mastercard03Invalid merchant
Mastercard04Capture card Capture
Mastercard05Do not honor
Mastercard08Honor with ID
Mastercard10Partial Approval
Mastercard12Invalid transaction
Mastercard13Invalid amount
Mastercard14Invalid card number
Mastercard15Invalid issuer
Mastercard30Format error
Mastercard41Lost card
Mastercard43Stolen Card
Mastercard51Insufficient funds/over credit limit
Mastercard54Expired card
Mastercard55Invalid PIN
Mastercard57Transaction not permitted to issuer/cardholder
Mastercard58Transaction not permitted to acquirer/terminal
Mastercard61Exceeds withdrawal amount limit
Mastercard62Restricted card
Mastercard63Security violation
Mastercard65Exceeds withdrawal count limit
Mastercard70Contact Card Issuer
Mastercard71PIN Not Changed
Mastercard75Allowable number of PIN tries exceeded
Mastercard76Invalid/nonexistent To Account specified
Mastercard77Invalid/nonexistent From Account specified
Mastercard78Invalid/nonexistent account specified (general)
Mastercard79Lifecycle Declines
Mastercard81Domestic Debit Transaction Not Allowed (Regional use only)
Mastercard82Policy Declines
Mastercard84Invalid Authorization Life Cycle
Mastercard85Not declined. Valid for all zero amount transactions.
Mastercard86PIN Validation not possible
Mastercard87Purchase Amount Only, No Cash Back Allowed
Mastercard88Cryptographic failure
Mastercard89Unacceptable PIN—Transaction Declined—Retry
Mastercard91Authorization System or issuer system inoperative
Mastercard92Unable to route transaction
Mastercard94Duplicate transmission detected
Mastercard96System error
Discover00Approved or completed successfully
Discover01Reserved for future use
Discover02Reserved for future use
Discover03Invalid Merchant
Discover04Capture Card
Discover05Do not honor
Discover07Pick-up Card, special condition
Discover08Reserved for future use
Discover10Approved for partial amount
Discover12Invalid transaction
Discover13Invalid amount
Discover14Invalid Card Number
Discover15Reserved for future use
Discover19Re-enter transaction
Discover30Format error
Discover31Bank not supported by switch
Discover33Reserved for future use
Discover34Reserved for future use
Discover35Reserved for future use
Discover36Reserved for future use
Discover37Reserved for future use
Discover38Allowable PIN tries exceeded
Discover39No credit Account
Discover40Requested function not supported
Discover41Lost Card
Discover43Stolen Card
Discover53No savings Account
Discover54Expired Card
Discover55Invalid PIN
Discover56No Card record
Discover57Transaction not permitted to Issuer/Cardholder
Discover58Transaction not permitted to Acquirer/terminal
Discover59Suspected fraud
Discover60Card acceptor contact Acquirer
Discover61Exceeds withdrawal amount limit
Discover62Restricted Card
Discover63Security violation
Discover64Original amount incorrect
Discover65Exceeds withdrawal count limit
Discover66Card Acceptor call Acquirer’s security dept
Discover67Hard capture (requires ATM pick-up)
Discover68Response received too late Decline
Discover75Allowable number of PIN tries exceeded
Discover76Invalid/nonexistent “to” Account specified
Discover77Invalid/nonexistent “from” Account specified
Discover78Invalid/nonexistent Account specified (general)
Discover83Domain Restriction Controls Failure
Discover85No reason to decline
Discover87Network unavailable
Discover91Authorization system or Issuer system inoperative
Discover92Unable to route transaction Decline
Discover93Transaction cannot be completed, violation of law
Discover94Duplicate transmission detected
Discover96System malfunction Decline
DiscoverN1System up
DiscoverN2Soft down
DiscoverN3System down
DiscoverN7Decline for AVS or CID mismatch
DiscoverP5PIN Change/Unblock failed
DiscoverP6New PIN not accepted
American Express000Approved
American Express001Approved with ID
American Express002Partial Approval (Prepaid Cards only)
American Express100Deny
American Express101Expired Card / Invalid Expiration Date
American Express106Exceeded PIN attempts
American Express107Please Call Issuer
American Express109Invalid merchant
American Express110Invalid amount
American Express111Invalid account / Invalid MICR (Travelers Cheque)
American Express115Requested function not supported
American Express117Invalid PIN
American Express119Cardmember not enrolled / not permitted
American Express122Invalid card security code (a.k.a., CID, 4DBC, 4CSC)
American Express125Invalid effective date
American Express181Format error
American Express183Invalid currency code
American Express187Deny - New card issued
American Express189Deny - Canceled or Closed Merchant/SE
American Express200Deny - Pick up card
American Express900Accepted - ATC Synchronization
American Express909System Malfunction (Cryptographic error)
American Express912Issuer not available