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Transaction decline codes
Standard ISO Response Codes A list of all the standard Terminal transaction: Error Response Codes
Nr Response Code Description Action
00  Approved or completed successfully  
01  Refer to card issuer Client Contact Issuing Bank
02  Refer to card issuer, special condition Client Contact Issuing Bank
03  Invalid merchant Contact Nexion help desk 0861 639 466
04  Pick-up card if not hostile keep the card
05  Do not honour Client to contact Issuing bank
06  Error Error Cable faulty, Connection Config wrong
07  Pick-up card, special condition If not hostile keep the card
08  Honour with identification Confirm clients ID
09  Request in progress Wait for transaction completion
10  Approved, partial  
11  Approved, VIP  
12  Invalid transaction incorrect information (Invalid Budget period)
Redo transaction
13  Invalid amount Invalid amount for budget period incorrect amount / Redo transaction Budget amount
14  Invalid card number wrong pin / Re Insert Pin
15  No such issuer  
16  Approved, update track 3 bank is back online
17  Operator Cancelled  
18  Customer dispute Client to contact Issuing bank
19  Re enter transaction Re enter Transaction
20  Invalid response Software issue/ restart machine. Contact Nexion Help Desk on 0861639466
21  No action taken  
22  Suspected malfunction  
23  Unacceptable transaction fee  
24  File update not supported bank is offline
25  Unable to locate record bank is offline
26  Duplicate record  
27  File update edit error bank is offline
28  File update file locked bank is offline
30  File update failed bank is offline
31  Bank not supported  
32  Completed partially reprint to verify
33  Expired card, pick-up  
34  Suspected fraud, pick-up  
35  Contact acquirer, pick-up  
36  Restricted card, pick-up  
37  Call acquirer security, pick-up  
38  PIN tries exceeded, pick-up  
39  No credit account no money/or debit card
40  Function not supported invalid entry
41  Lost card (Contact Bank)  
42  No universal account small bank not international
43  Stolen card Contact Bank
44  No investment account Contact Bank
51  Not sufficient funds (Client to Contact Bank) Contact Bank
52  No check account  
53  No savings account  
54  Expired card (Contact Bank) Contact Bank
55  Incorrect PIN  
56  No card record bank is offline / Retry later
57  Transaction not permitted to cardholder trying to access accounts that
the person does not have
58  Transaction not permitted on terminal terminal is not setup for the function
59  Suspected fraud  
60  Contact acquirer contact bank
61  Exceeds withdrawal limit contact bank
62  Restricted card contact bank
63  Security violation input error
64  Original amount incorrect  
65  Exceeds withdrawal frequency  
66  Call acquirer security  
67  Hard capture  
68  Response received too late redo transaction
75  PIN tries exceeded  
77  Intervene, bank approval required contact bank
78  Intervene, bank approval required for partial amount contact bank
90  Cut-off in progress  
91  Issuer or switch inoperative Check internet connection or Contact Nexion Help Desk on 0861 639 466
92  Routing error restart
93  Violation of law not legal
94  Duplicate transaction reconcile
95  Reconcile error  
96  Communication System malfunction (Communication Error between Terminal &
Radio pad or Modem) fast net/wise/network-IT
97 Communication Error – cannot connect to Internet Check Internet connection
98  Exceeds cash limit  
76   Approved country club  
77   Approved pending identification  
78   Approved blind  
79   approved administrative transaction  
80   Approved national negative file hit OK  
81   Approved commercial  
82   No security module  
83   No accounts  
84   No PBF  
85   PBF update error  
86   Invalid authorisation type redo transaction
87   Bad Track 2 bank offline
88   PTLF error  
89   Invalid route service  
N0   Unable to authorise / Card type incorrect i.e. Credit not Debit please redo as correct type Contact Nexion Help Desk 0861 639 466
N1   Invalid PAN length  
N2   Preauthorisation full  
N3   Maximum online refund reached limit exceeded
N4   Maximum off-line refund reached limit exceeded
N5   Maximum credit per refund limit exceeded
N6   Maximum refund credit reached limit for refund
N7   Customer selected negative file reason possible bank issue
N8   Over floor limit  
N9   Maximum number refund credits  
O0   Referral file full  
O1   NEG file problem  
O2   Advance less than minimum  
O3   Delinquent  
O4   Over limit table  
O5   PIN required debit card holder needs to
enter PIN
O6   Mod 10 check  
O7   Force post  
O8   Bad PBF  
O9   NEG file problem Card holder to contact bank
P0   CAF problem Card holder to contact bank
P1   Over daily limit  
P2   CAPF not found  
P3   Advance less than minimum  
P4   Number of times used  
P5   Delinquent  
P6   Over limit table  
P7   Advance less than minimum  
P8   Administrative card needed  
P9   Enter lesser amount  
Q0   Invalid transaction date wrong date/check machine
Q1   Invalid expiration date  
Q2   Invalid transaction code  
Q3   Advance less than minimum  
Q4   Number of times used  
Q5   Delinquent  
Q6   Over limit table  
Q7   Amount over maximum  
Q8   Administrative card not found  
Q9   Administrative card not allowed  
R0   Approved administrative request -in window  
R1   Approved administrative request -out of window  
R2   Approved administrative request -anytime  
R3   Chargeback-customer file updated  
R4   Chargeback-customer file updated -acquirer not found  
R5   Chargeback-incorrect prefix number  
R6   Chargeback-incorrect response code or CPF configuration      
R7   Administrative transactions not supported  
R8   Card on national negative file  
S4   PTLF full  
S5   Chargeback-approved, customer file not updated  
S6   Chargeback-approved, customer file not updated, acquirer not found  
S7   Chargeback-accepted, incorrect destination  
S8   ADMN file problem  
S9   Unable to validate PIN; security module is down Contact Nexion Help Desk 0861 639 466
T1   Invalid credit card advance amount  
T2   Invalid transaction date input error
T3   Card not supported  
T4   Amount over maximum  
T5   CAF status = 0 or 9  
T6   Bad UAF  
T7   Cash back exceeds daily limit  
T8 Multiple invalid required fields Contact Nexion Help Desk 0861 639 466
00 Successful  
A0 Invalid Terminal / Merchant Machine needs to be programmed
A1 No Events available  
A2 No Breakdown Levels available  
A3 Authorization Unsuccessful - Insufficient Inventory stock shortage – contact office
A4 Authorization Unsuccessful - Could not locate inventory stock shortage – contact office
A5 Advice Unsuccessful - Invalid Transaction ID  
A6 Advice Unsuccessful - Velocity Amount Exceeded  
A7 Advice Unsuccessful - Velocity Lines Exceeded  
A8 Issuer or Switch Inoperative check switch is up and running/ Craig / Chad
A9 Routing Error redo transaction
AA Message Decode Error  
AB System Malfunction check switch is up and running/ Craig / Chad
AC Response Received Too Late redo transaction
AD Refer to extended response code in message (This is used when a gateway returns response codes that are required to be displayed to the user)  
AE Message Sequence Error.   
AF Gateway Authorization Failure  
B0 Functionality Not Supported  
B1 Invalid Issue Confirmation Reference  
B2 No Reconciliation Entries Found  
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