Card Authorization Response Codes

CodeCorresponding Displayed TextMeaning
0ApprovalApproved for capture in batch
0New Account InformationApplies to recurring authorizations only. These are examples of what may have occurred: Card has expired, Account was upgraded, Portfolio sale, Conversion
1ReferralReferral
3Invld Mer IDInvalid Merchant number or Subscriber doesn't exist or is inactive
3DeclinedInvalid Merchant number or Subscriber doesn't exist or is inactive
5DeclinedDeclined
5DOB ErrorDate of Birth Error for Check Processing
10Apprv Lesser AmtApproved for a lesser amount than what was requested (i.e. partial approval)
12Inv tranInvalid Transaction
12Inv State CodeInvalid State Code for Check Processing
12Referral-Inv TR1More than 76 characters in Track 1 or Track 1 not formatted correctly
13Inv AmtInvalid amount
14Inv Acct NumAccount Number not on file or Checking Account Number
14New Account InformationApplies to recurring authorizations only. These are examples of what may have occurred: Card has expired, Account was upgraded, Portfolio sale, Conversion
14Do not try againApplies to recurring authorizations only. The account number is invalid.
25Inv TerminalTerminal Not Found
28Please RetryFile is temporarily unavailable
51DeclinedDeclined
51Inv Acct NumInvalid Checking Acct Num
51Do not honorDeclined: Association's payment cancellation advice code provided
Applies to recurring authorizations only
51Do not try againDeclined: Association's payment cancellation advice code provided
Applies to recurring authorizations only. These are examples of what may have occurred: the account was closed, or fraudulent.
51New Account Information availableDeclined: Association's payment cancellation advice code provided
Applies to recurring authorizations only. These are examples of what may have occurred: Card has expired, Account was upgraded, Portfolio sale, Conversion.
51Try again laterDeclined: Association's payment cancellation advice code provided
Applies to recurring authorizations only. These are examples of what may have occurred: the account is over the credit limit try again in 72 hours.
54Do not try againApplies to recurring authorizations only. The card has expired.
54New Account InformationApplies to recurring authorizations only. The card has expired.
54Try again laterApplies to recurring authorizations only. The card has expired. Get the new expiration date and try again.
54Expired CardExpired Card
55Incorrect PinIncorrect Pin
57Tran Not AllowedTransaction Not Allowed
60Hold-Call CtrCapture Card -- Call Center
61Amt Exceeds LmtAmount Exceeds Limit
63Serv Not AllowedService Not Allowed
63DeclinedFor American Express transactions if the CID from the transaction doesn't match the one on file then decline transaction. Transaction not permitted to acquirer or terminal
63Do not try againApplies to recurring authorizations only. There was security violation.
69Host Key ErrorHost Key Error
75Pin Retry MaxAllowable number of PIN tries exceeded
75Pin Try ExceededAllowable number of PIN tries exceeded
76ApprovalApproved (non captured)
85No Reasn To DeclNo reason to decline
Response Code 85 is applicable for all $0.00 transactions.
89Invalid Term IDInvalid Term ID
89DeclinedTerm record not found on First Data system
91Please RetryReasons for this error are one of the following: Format Error Unable to route transaction Switch or issuer unavailable System Busy Timeout
94Duplicate TranDuplicate Transaction
0C2CVV2 DeclinedAssociation indicated the transaction was not approved due to mismatch of the CVV2, CVC2, or CID value, but it would have been approved had the value matched.
0CESystem ProblemSystem Problem
0N3Invld Acct2Invalid account/date or sales date in future
0N3DeclinedInvalid Effective Date
0NGRev RejectedReversal Rejected cannot parse 400 message
0NHEnter Lesser AmtEnter lesser amount
0NIPin Xlate ErrorHost Security module could not decrypt the PIN block.
Master Session: The master key is missing or incorrect in the PIN pad, or the merchant record set-up incorrectly at First Data Host.
DUKPT: The Base Derivation key is missing or incorrect in the PIN pad, or is set-up incorrectly in the Host Security Module.
0NJInv Cashback AmtCash Back amount greater than total Transaction amount (bit 4)
0NKCrypto Box UnavCrypto box is offline
0NLDbt Switch UnavlCommunications link to debit/EBT network gateway is down or responded with a "System Malfunction (96)" message
0NLDBT T.O. RetryCommunications link to debit/EBT network gateway is down or responded with a "System Malfunction (96)" message
0NMIssuer UnavDebit/EBT network gateway cannot get through to the ISSUER.
0NNUndefined CardDebit/EBT network gateway cannot route card based on Merchant Entitlement
0NPDbtsw inv meridNetwork Response indicates that Merchant ID / SE is invalid.
0NQTran Ct Excd LmtDebit/EBT transaction count exceeds pre-determined limit in specified time/ Withdrawal limit exceeded.
0NRResub Excds LmtResubmission of transaction violates debit/EBT network frequency
0NSDbtsw Pin Xl ErrThe authorizing network has a problem decrypting the cryptogram in the request
0NUDeclinedInsufficient funds
MasterCard or Check transactions may override standard display for responses.
0RWRev Outside WinReversal Outside Window
Reversal transaction was received, but the original matching authorization request was processed more than 25 minutes ago and is no longer eligible to be reversed. (Applicable to Credit Host Capture only)
If the POS has received a RW response (25 minutes after the original Authorization), the transaction cannot be reversed (voided). The Merchant must issue a refund/credit, or refund the amount authorized by other means.