Code Response Reason Code Response Reason

0 Approved 54 Expired Card

1 Refer to Card Issuer 55 Incorrect PIN

2 Refer to Issuer's special conditions 56 No Card Record

3 Invalid Merchant 57 Trans. not Permitted to Cardholder

4 Pick Up Card 58 Transaction not Permitted to Terminal

5 Do Not Honor 59 Suspected Fraud

6 Error 60 Card Acceptor Contact Acquirer

7 Pick Up Card, Special Conditions 61 Exceeds Withdrawal Amount Limits

8 Honor with identification 62 Restricted Card

9 Request in Progress 63 Security Violation

10 Partial Amount Approved 64 Original Amount Incorrect

11 VIP Approval 65 Exceeds Withdrawal Frequency Limit

12 Invalid Transaction 66 Card Acceptor Call Acquirer Security

13 Invalid Amount 67 Hard Capture - Pick Up Card at ATM

14 Invalid Card Number 68 Response Received Too Late

15 No Such Issuer 75 Allowable PIN Tries Exceeded

16 Approved, update track 3 76 Previous message not found

17 Customer Cancellation 77 Data does not match original message

18 Customer Dispute 80 Invalid Date

19 Re-enter Transaction 81 Cryptographic failure

20 Invalid Response 82 Incorrect CVV

21 No Action Taken (no match) 83 Unable to verify PIN

22 Suspected Malfunction 84 Invalid authorization life cycle

23 Unacceptable Transaction Fee 85 No reason to decline

24 File Update not Supported by 86 ATM Malfunction

Receiver

25 Unable to Locate Record on File 87 No Envelope Inserted

26 Duplicate File Update Record 88 Unable to Dispense

27 File Update Field Edit Error 89 Administration Error

28 File Update File Locked Out 90 Cut-off in Progress

29 File Update not Successful 91 Issuer or Switch is Inoperative

30 Format Error 92 Financial Institution Not Found

31 Bank not Supported by Switch 93 Trans Cannot be Completed

32 Completed Partially 94 Duplicate Transmission

33 Expired Card - Pick Up 95 Reconcile Error

34 Suspected Fraud - Pick Up 96 System Malfunction

35 Contact Acquirer - Pick Up 97 Reconciliation Totals Reset

36 Restricted Card - Pick Up 98 MAC Error

37 Call Acquirer Security - Pick Up 99 Reserved for National Use

38 Allowable PIN Tries Exceeded N0 Force STIP (VISA)

39 No CREDIT Account N3 Cash Service Not Available (VISA)

40 Requested Function not Supported N4 Cash request exceeds issuer limit

(VISA)

41 Lost Card - Pick Up N7 Decline for CVV2 failure (VISA)

42 No Universal Amount P2 Invalid biller information (VISA)

43 Stolen Card - Pick Up P5 PIN Change Unblock Declined (VISA)

44 No Investment Account P6 Unsafe PIN (VISA)

51 Insufficient Funds XA Forward to issuer

52 No Cheque Account XD Forward to issuer

53 No Savings Account