Authorization Response Codes
The authorization response code is a value that the card issuer sends to the merchant to indicate whether the authorization request was approved or denied as well as the reason for the denial. This value is present in DE039.
The response code is available in these locations:
response_codefield:- Authorization Events API webhooks
- Auth API
AUTHORIZATION RESPONSEfield:
When the transaction is denied, the deny_code is available in transaction-related Program API responses and the CST.
- This table has the response codes for all networks except Allpoint, which is in the Allpoint response codes table.
- Codes marked with an asterisk (
*) are approval codes. All other codes are deny codes.
| Mastercard | Visa | Pulse | STAR | Discover | All others | Description |
|---|---|---|---|---|---|---|
| 00* | 00* | 00* | 00* | 00* | 00* | Success. Authorization request approved. |
| 01 | 01 | 01 | 01 | 01 | 01 | Issuer error. |
| 03 | 03 | — | — | — | — | MCC blocked. The MCC is blocked at a product or account level. |
| 04 | — | — | 04 | 04 | 04 | Capture card. The merchant or ATM must retain the card because fraud is suspected. |
| 05 | 05 | 05 | 05 | 05 | 05 | Do not honor. This is the default deny code when other deny codes do not apply. For mobile-wallet provisioning it means red path. For AVS-only checks it means the card is not in active status. |
| — | 5C | — | — | — | — | Transaction not permitted to cardholder. Tokenized transactions not allowed. |
| 10* | 10* | 10* | 10* | 10* | 10* | Partial approval. The amount approved is less than the authorization request amount. |
| 11* | 11* | 11* | 11* | 11* | 11* | Authorization entry generated by Galileo for a settlement that doesn't have a matching authorization. Visible in the RDFs only. Not used by the Auth API or Events API. Not returned to the merchant. |
| 12 | — | — | — | — | — | Point of sale does not support MSI Installments, or the loan terms are invalid. |
| — | 12 | — | — | — | — | EMV Authorization Request Cryptogram (ARQC) validation failure. |
| 13 | — | — | — | — | — | Maximum system amount reached. |
| 14 | — | 14 | 14 | 14 | 14 | Invalid PAN. This PAN does not exist in the Galileo system. Transactions with this response are not passed to the Auth API or included in the RDFs or Program API responses. You can get a list of these attempted transactions in the Bad PAN Authorizations RDF. |
| — | 19 | — | — | — | — | Received badly formatted transaction track data or generic error while processing transaction |
| 30 | 30 | 30 | 30 | 30 | 30 | Format error. |
| — | 39 | 39 | 39 | — | — | No credit account found for an ATM balance inquiry. |
| 41 | — | 41 | 41 | 41 | 41 | Lost, pick up. The card has been reported lost and is in status: L (lost) or status: A (lost, waiting for sufficient funds). The merchant should retain the card if possible and return it to the issuer. |
| 43 | — | 43 | 43 | 43 | 43 | Stolen, pick up. The card has been reported stolen and is in status: S (stolen). The merchant should retain the card if possible and return it to the issuer. |
| — | 46 | — | — | — | — | Transaction denied because the card is in status R (charged off), Z (closed without refund), C (closed), L (lost), or S (stolen), or because of invalid account number. |
| 51 | 51 | 51 | 51 | 51 | 51 | Insufficient funds (NSF). The authorization amount is larger than the cardholder's available balance. |
| 51 | — | — | — | — | — | Card is in status: Q (delinquent credit). |
| — | 52 | 52 | 52 | — | — | No checking account found for an ATM balance inquiry. |
| 53 | 53 | 53 | 53 | 53 | 53 | No savings account found for an ATM balance inquiry. |
| 54 | 54 | 54 | 54 | 54 | 54 | Card expired or expiry date mismatch. The card's expiry date has passed, or the value provided by the merchant does not match the value on record. |
| 55 | 55 | 55 | 55 | 55 | 55 | Invalid PIN. The wrong PIN was input in the PIN keypad. |
| 57 | 57 | 57 | 57 | 57 | 57 | Transaction not permitted to cardholder. For some possible reasons for this response code, see Transaction type validation in the Auth API Validation Checks guide. |
| — | 59 | 59 | — | — | — | Suspected fraud. The risk score exceeds a program-specified threshold. |
| 61 | 61 | 61 | 61 | 61 | 61 | Exceeds amount limit. The transaction violates the per-transaction velocity limit set by the program. |
| — | 62 | — | — | — | — | Restricted card. Card is being used in an OFAC-restricted country. |
| 62 | — | — | 62 | — | — | Frozen card. |
| 63 | — | — | — | — | — | Security violation. |
| 65 | 65 | 65 | 65 | 65 | 65 | Exceeds count limit. The transaction violates the velocity limit of the number of transactions in a period, set by the program. |
| 75 | 75 | 75 | 75 | 75 | 75 | PIN count exceeded. The number of failed PIN attempts exceeds the number set by the program. |
| 77 | — | — | — | 77 | — | Invalid FROM account for an ATM balance inquiry. |
| 78 | — | — | — | — | — | Transaction denied because the card is in status C (canceled), R (charged off), Z (canceled without refund), D (disabled), V (voided) or W (waiting for payment). |
| — | 78 | — | — | — | — | Frozen card. |
| — | 78 | — | — | — | — | The transaction account is a spending account, and the funding account is delinquent |
| — | 82 | — | — | — | — | CVV1 check failure (CAM, dCVV, iCVV, CVV, CAVV, dcVV2, TAVV, or DTVV results) |
| 85* | 85* | 85* | 85* | 85* | 85* | AVS-only success or mobile wallet provisioning yellow path. When the transaction amount is 0.00 and the response is 85, the AVS check was successful. For a provisioning request, see Manual provisioning workflow in the Setup for Mobile Wallets guide. |
| — | 86 | — | — | — | — | One of these PIN errors: Verification of current PIN failed during PIN update, error performing PIN update, ATM transaction is missing the PIN. |
| 87* | 87* | — | 87* | 87* | 87* | Partial approval (sale amount only, no cashback). The amount approved is less than the authorization request amount, and any requested cashback is denied. |
| — | 91 | — | — | — | — | Issuer did not respond in time. |
| 96 | 96 | 96 | 96 | 96 | 96 | System error. |
| — | N3 | — | — | — | — | Cash service not available (no cashback or cash advance) |
| — | N7 | — | — | — | — | Invalid CVV2. The CVV2 provided in a card-not-present transaction did not match the CVV2 on record. |
| — | — | T7* | — | — | — | Partial cash back approved |
| — | N0 | — | — | — | — | Force STIP |
Allpoint response codes
The following numbering scheme is used for Allpoint response codes:
- 0xx — Authorization approved
- 1xx — Authorization denied
- 2xx — Authorization denied
- 4xx — Reversal actions
- 6xx — Administrative actions
- 8xx — Network management actions
- 9xx — Error response actions
| Code | Description |
|---|---|
| 000 | Approved |
| 001 | Approved With Identification |
| 002 | Approved For Partial Amount |
| 003 | Approved (VIP) |
| 100 | Do Not Honor (General Denial) |
| 101 | Expired Card |
| 102 | Suspected Fraud |
| 103 | Card Acceptor Contact Acquirer |
| 104 | Restricted Card |
| 105 | Card Acceptor Call Acquirer's Security Department |
| 106 | Allowable PIN Tries Exceeded |
| 107 | Refer To Card Issuer |
| 108 | Refer To Card Issuer's Special Condition |
| 109 | Invalid Merchant |
| 110 | Invalid Amount |
| 111 | Invalid Card Number |
| 112 | PIN Data Required |
| 113 | Unacceptable Fee |
| 114 | No Account Of Type Requested |
| 115 | Requested Function Not Supported (Invalid Transaction) |
| 116 | Insufficient Funds |
| 117 | Incorrect PIN |
| 118 | No Card Record |
| 119 | Transaction Not Permitted To Cardholder |
| 120 | Transaction Not Permitted To Terminal |
| 121 | Exceeds Withdrawal Amount Limit |
| 122 | Security Violation |
| 123 | Exceeds Withdrawal Limit Frequency |
| 124 | Violation Of Law |
| 126 | Invalid PIN Block |
| 127 | PIN Length Error |
| 128 | PIN Key Synchronization Error (Sanity Error) |
| 129 | Suspected Counterfeit Card |
| 130 | Transaction Failed OFAC Check |
| 131 | Check Not Acceptable |
| 138 | Incorrect Configuration (Custom; Not For General Use) |
| 159 | Suspected Fraud (Custom; Not For General Use) |
| 180 | Limit Exceeded Due To Cash Back Amount |
| 181 | Enter Lesser Amount |
| 182 | Institution Not Supported By Switch |
| 183 | Balances Not Available For Inquiry |
| 184 | Resubmission In Violation Of Network Rules |
| 185 | Stop Payment On Check (Shared Branch Only) |
| 200 | Do Not Honor |
| 201 | Expired Card |
| 202 | Suspected Fraud |
| 203 | Card Acceptor Contact Acquirer |
| 204 | Restricted Card |
| 205 | Card Acceptor Call Acquirer's Security Department |
| 206 | Allowable PIN Tries Exceeded |
| 207 | Special Conditions |
| 208 | Lost Card |
| 209 | Stolen Card |
| 210 | Suspected Counterfeit Card |
| 211 | Invalid Card Number |
| 214 | No Account Of Type Requested |
| 216 | Insufficient Funds |
| 217 | Incorrect PIN |
| 400 | Accepted |
| 600 | Accepted |
| 601 | Not Able To Trace Back To Original Transaction |
| 800 | Accepted |
| 880 | Key Change Rejected—Check Value Mismatch |
| 881 | Key Change Rejected—Local System Problem |
| 882 | Key Change Request Rejected—Key Change In Progress |
| 883 | Declined—Incorrect Institution Identifier |
| 900 | Accepted |
| 907 | Card Issuer Or Switch Inoperative |
| 908 | Transaction Destination Cannot Be Found For Routing |
| 909 | System Malfunction |