These tables contain the advice reason codes for Mastercard and Visa. These codes are sent by the network along with advices to indicate the reason for the advice.
Some of the codes apply to stand-in processing (STIP), some are for card provisioning, and the rest are for other advice types.
Galileo stores all of these codes under DE060 in the authorization databases. This value is available in the DE60 field of the Authorized Transactions RDF and the Posted Transactions RDF.
Codes pertaining to STIP are also available in these locations:
stip_info— In theSTPD: auth_stip_infoandSTPN: auth_stip_notificationevent messagesstip_advice— In theSTPA: auth_stip_adviceevent messagestip: {detail}— In the Auth API webhook payload
Note
The values on this page are derived from the documentation provided by the networks as of summer 2024 and so might be outdated. If you cannot find a code on this page, refer to the original documentation from the network.
Visa codes
Visa advice reason codes are divided into two types:
Some of these codes are applicable only if you've signed up for the corresponding Visa service. For further details on the meaning of these codes, contact Visa or Galileo.
Message Reason Codes for Visa Token Service
These codes are in Field 63.3. Galileo considers all of these codes to be STIP codes except for 3906.
| Code | Description |
|---|---|
| 2104 | Acquirer authorization advice |
| 2502 | Transaction not completed |
| 2503 | No confirmation from point of service |
| 2504 | Partial dispense by ATM (misdispense) or POS partial reversal |
| 2501 | Transaction voided by customer |
| 3700 | Token create |
| 3701 | Tokens deactivate |
| 3702 | Token suspend |
| 3703 | Token resume |
| 3704 | Device personalized data update and repersonalization |
| 3711 | Device provisioning result |
| 3712 | OTP verification result |
| 3713 | Call Center activation |
| 3714 | Mobile banking app activation |
| 3715 | Replenishment confirmation of limited-use keys |
| 3716 | Token expiry update |
| 3720 | PAN expiry update |
| 3721 | PAN update |
| 3730 | Device provisioning update results |
| 3740 | Device binding |
| 3741 | Device binding results |
| 3742 | OTP verification result - device binding |
| 3743 | Call center step up - device binding |
| 3744 | Mobile banking app step up - device binding |
| 3745 | Device binding removed |
| 3751 | Cardholder verification results |
| 3752 | OTP verification result — cardholder verification |
| 3753 | Call center step up - cardholder verification |
| 3754 | Mobile banking app step up — cardholder verification |
| 3900 | Incremental authorization |
| 3901 | Resubmission |
| 3902 | Delayed charges |
| 3903 | Reauthorization |
| 3904 | No show |
| 3906 | AFD (Automated Fuel Dispenser) completions |
| 5206 | Deferred Authorization |
| 9052 | Deferred OCT (original credit transaction) confirmation advice |
STIP/Switch Reason Codes
These codes are in Field 63.4. Galileo considers all of these to be STIP codes except for 9095 and 9101.
| Code | Description |
|---|---|
| 9001 | The issuer is signed off. |
| 9002 | The issuer was signed off by the switch. |
| 9011 | The line to issuer is down. |
| 9012 | Forced STIP because of N0 (force STIP) original response from issuer. |
| 9020 | The response from issuer timed out. |
| 9021 | Alternate PCR (processing code response) used for Auth Destination |
| 9022 | PACM-diverted (positive authorization capacity management). |
| 9024 | Transaction declined due to Visa payment controls (VPC) rule. |
| 9025 | Declined by Selective Acceptance Service. |
| 9026 | Transaction reviewed by the Visa Transaction Advisor Service: additional authentication required. |
| 9027 | Declined by token provisioning service. |
| 9030 | This transaction is auto-CDB (cardholder database service); there is a pickup response from the issuer. |
| 9031 | Original processed in stand-in. |
| 9033 | Declined due to active account management threshold exceeded. |
| 9034 | Unable to deliver response to originator. |
| 9035 | Process recurring payment in STIP. |
| 9037 | Declined by Visa CTC (consumer transaction controls) service. |
| 9038 | Merchandise return authorization processed in STIP. |
| 9041 | There was a PIN verification error. |
| 9042 | Offline PIN authentication was interrupted. |
| 9045 | Switch was unable to translate the PIN. |
| 9047 | Declined by real-time decisioning (RTD) processing. |
| 9048 | There is an invalid CVV with the All Respond Option. |
| 9049 | Account Verification—Visa Verify Only. |
| 9054 | There is an invalid CAM (Card Authentication Method). |
| 9055 | Merchant program identifier missing. |
| 9063 | Transaction declined, processing requirements not met. This value is set by V.I.P. when the value in field 39 is 96 and the VIC (Visa iCVV Convert) within the regulated jurisdiction is unavailable. V.I.P. will not generate a STIP advice for these declined transactions. |
| 9064 | Transaction declined; invalid payment channel for card type. |
| 9091 | Dispute financial. |
| 9095 | Issuer notification of token vault provisioned or status change. |
| 9028 | The issuer requested CDB update through GCAS (Global Customer Assistance Service). |
| 9050 | Source or destination does not participate in this service. |
| 9070 | Declined by Account Screen; Issuer participates in All Respond. |
| 9061 | There is an internal system error or other switch-detected error condition. |
| 9101 | Dispute financial |
| 9102 | Switch generated this 0420 reversal advice because an approval response could not be delivered to the acquirer. VE only. |
| 9103 | An approval response could not be delivered to the acquirer because the issuer timed out. |
| 9200 | This AA Score Request transaction was automatically processed by STIP. This code is for Visa use only. |
| 9201 | Decline due to VSPS (Visa Stop Payment Service). |
| 9202 | Decline due to issuer country exclusion list. |
| 9203 | Decline due to Office of Foreign Assets Control (OFAC) embargo. |
| 9204 | Cashback processing error. |
| 9205 | Invalid CAVV with Visa Verify and decline options (V and W). |
| 9206 | Mod-10 check failure. |
| 9207 | Issuer does not support gambling transactions. |
| 9208 | Declined because issuing identifier and/or routing identifier and/or token account range is blocked. |
| 9209 | Declined because issuer does not support transaction type. |
| 9210 | Declined because of issuer participation options. |
| 9211 | Declined because acquirer does not support the service requested. |
| 9212 | Declined due to fraud condition. |
| 9213 | Declined because call-out to an external service timed out. |
| 9214 | Declined because of error return from call-out to external service. |
| 9215 | Declined because issuer blocked specific POS entry mode. |
| 9216 | Non device based token used to personalize. |
| 9217 | Issuer tokenization data sent is invalid (blanks/zeroes) or lengths are incorrect (FCI [financial cryptogram information] greater than 128 or IAD [issuer application data] is not 15) or the first byte of the IAD is not 00 (format). |
| 9218 | Product subtype is MB (Interoperable mobile branchless) and business application identifier is not MP, or business application identifier is MP and product subtype is not MB. |
| 9219 | Merchant Blocking Service Decline Reason Code. |
| 9220 | Device binding request could not be completed. |
| 9221 | Declined due to PFD (payment flow descriptor) acquirer-specific ecosystem block. |
| 9222 | Declined due to PFD issuer-specific ecosystem block. |
| 9223 | Declined due to client-tailored block—acquirer/merchant. |
| 9224 | Declined due to client-tailored block—issuer. |
| 9225 | Declined due to ecosystem PFD fraud block (non-specific to issuer or acquirer). |
| 9226 | Declined due to PFD block for other risk factors (non-specific to issuer or acquirer). |
| 9227 | dCVV2 validation failed and authorization request declined. |
| 9229 | Declined due to domestic regulations. |
| 9302 | Exceeds issuer settlement risk exposure cap. |
| 9303 | Exceeds acquirer settlement risk exposure cap. |
| 9999 | Authorization provision environment mismatch |
Mastercard codes
The seven-digit codes in DE060 are the concatenation of DE060 subfields 1 and 2.
- Positions 1–3 — Subfield 1
- Positions 4–7 — Subfield 2
For example, if DE060 contains 4000000, it breaks down as follows:
400— Banknet advice: APS error; unable to deliver response0000— Accept
For further details on the meaning of these codes, contact Mastercard or Galileo.
Subfield 1 – Advice Reason Code
The Advice Reason Code is in DE060SF1. Galileo considers all of these codes to be STIP codes except for 190 and 191 (Mastercard credit network) and 251, 290, and 450 (Maestro). These codes are typically sent with a particular MTI.
| Code | Description | MTI |
|---|---|---|
| 101 | Alternate Issuer Route: IPS (integrated processing solutions) signed out | 0120 |
| 102 | Alternate Issuer Route: IPS timed out | 0120 |
| 103 | Alternate Issuer Route: IPS unavailable | 0120 |
| 105 | Transaction processed via X-Code | 0120 |
| 107 | PIN processing error | 0120 |
| 108 | Alternate Issuer Route: MIP (merchant-initiated payment) Error | 0120 |
| 109 | Alternate Issuer Route: Issuer Edit Response Error | 0120 |
| 111 | Alternate Issuer Route: Issuer Host System Error | 0120 |
| 112 | Alternate Route: Network Not Dispatched Error | 0120 |
| 113 | Alternate Route: Issuer Undelivered | 0120 |
| 114 | Alternate Route: Direct Down Option | 0120 |
| 115 | Transaction Processed via On-behalf Service Decision | 0120 |
| 116 | Invalid Merchant | 0120 |
| 120 | Transaction Blocking | 0120 |
| 121 | Account Lookup Service | 0120 |
| 126 | Pay with Rewards Processing Advice to Issuer | 0120 |
| 140 | Unable to convert contactless or virtual account number | 0120 |
| 141 | Mastercard Digital Enablement Service Advice to Issuer | 0120 |
| 142 | TSP Advice to Issuer | 0120 |
| 150 | Send Blocking Service Processing Advice to Issuers | 0120 |
| 151 | In Control Processing Advice to Issuer (MastercardMerchant Presented QR) | 0120 |
| 160 | Authentication Advice to Issuer | 0120 |
| 180 | CAT (card authentication template) Risk Level 3 | 0120 |
| 190 | Acquirer Processing System (APS) Approved | 0120 |
| 191 | Acquirer Processing System (APS) Completed Authorization Transaction | 0120 |
| 192 | M/Chip Offline Advice to Issuer | 0120 |
| 200 | In Control Processing Advice to Issuer | 0120 |
| 400 | Banknet advice: APS error; unable to deliver response | 0420 |
| 401 | Banknet advice: APS error; no APS Authorization Acknowledgement/0180 or Financial Transaction Acknowledgement/0280 | 0420 |
| 402 | Issuer Time-out | 0420 |
| 403 | Issuer Sign-out | 0420 |
| 409 | Issuer Response Error | 0420 |
| 410 | Reversal message provided by a system other than Banknet | 0420 |
| 413 | Issuer Undelivered | 0420 |
Subfield 2 — Advice Reason Detail
The Advice Reason Detail is in DE060SF2, and it provides additional information about the Advice Reason Code. Some of these codes are applicable only when you have signed up for particular Mastercard services, which are shown in the Context column. For example, "MDES" refers to mobile-wallet provisioning.
| Code | Description | Context |
|---|---|---|
| 0000 | Accept | |
| 0001 | Reject: negative file | |
| 0002 | Reject: capture card | |
| 0003 | Reject: issuer not participating | |
| 0004 | Reject: invalid PIN | |
| 0005 | Reject: ATM | |
| 0006 | Reject: transaction limit test | |
| 0007 | Reject: Premium listing cumulative limit test | System-generated messages |
| 0008 | Reject: merchant suspicious indicator test | System-generated messages |
| 0009 | Reject: Invalid Time Validation | System-generated messages |
| 0010 | Reject: Stand-In Monitoring Rule | System-generated messages |
| 0011 | Reject: day number 1/number of transactions | System-generated messages |
| 0012 | Reject: day number 2/number of transactions | System-generated messages |
| 0013 | Reject: day number 3/number of transactions | System-generated messages |
| 0014 | Reject: day number 4/number of transactions | System-generated messages |
| 0015 | Reject: day number 1/amount | System-generated messages |
| 0016 | Reject: day number 2/amount | System-generated messages |
| 0017 | Reject: day number 3/amount | System-generated messages |
| 0018 | Reject: day number 4/amount | System-generated messages |
| 0019 | Reject: extended Cash Advance cumulative amount | System-generated messages |
| 0020 | Reject: card number in blocked range | System-generated messages |
| 0021 | Reject: Premium Listing transaction limit test | System-generated messages |
| 0028 | Reject: invalid CVC (card verification code) 1 | System-generated messages |
| 0029 | Reject: expired card | System-generated messages |
| 0031 | Reject: unable to decrypt/encrypt PIN data. (Used with Advice Reason Code 107) | System-generated messages |
| 0034 | Reject: Chip validation failed | MDES |
| 0035 | Reject: TVR/CVR validation failed | MDES |
| 0036 | Reject: CVC 1 Unable to process | System-generated messages |
| 0039 | Reject: Cryptogram not ARQC 0042 Reject: CVC 3 Unable to process | MDES |
| 0041 | Reject: Payment Cancellation | |
| 0043 | Reject: CVC 3 ATC outside allowed range | MDES |
| 0044 | Reject: CVC 3 Invalid | MDES |
| 0045 | Reject: CVC 3 Unpredictable number mismatch | MDES |
| 0046 | Reject: CVC 3 ATC Replay | MDES |
| 0047 | Reject: CVC 1 No matching key file for this PAN, PAN expiry date combination; status unknown | System-generated messages |
| 0078 | Reject: M/Chip Biometric Data not Present | |
| 0100 | Reject: Account Balance Listing, transaction amount exceeds current limit | |
| 0101 | Reject: Dynamic Decisioning, AI model decline | |
| 0201 | Reject: Invalid Token—Primary Account Number mapping relationship | MDES |
| 0202 | Reject: Token in suspended status | MDES |
| 0203 | Reject: Token deactivated | MDES |
| 0204 | Reject: ATC Invalid—Not in List of Currently Active Single Use Keys | MDES |
| 0205 | Reject: ATC Replay | MDES |
| 0206 | Reject: Invalid MD (message descriptor) AC and UMD (universal message descriptor) AC (Invalid Mobile PIN) | MDES |
| 0207 | Reject: Valid MD AC; Invalid UMD AC (Mobile PIN Try Counter Max Limit not Reached, Token not Suspended) | MDES |
| 0208 | Reject: Invalid MD AC; Valid UMD AC | MDES |
| 0209 | Reject: Valid MD AC; Invalid UMD AC (Mobile PIN Try Counter Max Limit Reached, Token Suspended) | MDES |
| 0210 | Reject: Unpredictable Number Length Indicator Mismatch | MDES |
| 0211 | Reject: TVR/CVR validation failed | MDES |
| 0212 | Reject: Unable to Process | MDES |
| 0213 | Reject: Invalid Token | MDES |
| 0215 | Reject: Declined by Transaction Analysis 0032 Reject: Chip Data Processing Error | MDES |
| 0216 | Reject: DTVC (Dynamic Token Verification Code) Invalid/Expired | System-generated messages |
| 0217 | Reject: Channel not Authorized by Cardholder |