Advice Reason Codes

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:

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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The values on this page are derived from the documentation provided by the networks as of summer 2024 and so might be outdated.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.

CodeDescription
2104Acquirer authorization advice
2502Transaction not completed
2503No confirmation from point of service
2504Partial dispense by ATM (misdispense) or POS partial reversal
2501Transaction voided by customer
3700Token create
3701Tokens deactivate
3702Token suspend
3703Token resume
3704Device personalized data update and repersonalization
3711Device provisioning result
3712OTP verification result
3713Call Center activation
3714Mobile banking app activation
3715Replenishment confirmation of limited-use keys
3716Token expiry update
3720PAN expiry update
3721PAN update
3730Device provisioning update results
3740Device binding
3741Device binding results
3742OTP verification result - device binding
3743Call center step up - device binding
3744Mobile banking app step up - device binding
3745Device binding removed
3751Cardholder verification results
3752OTP verification result — cardholder verification
3753Call center step up - cardholder verification
3754Mobile banking app step up — cardholder verification
3900Incremental authorization
3901Resubmission
3902Delayed charges
3903Reauthorization
3904No show
3906AFD (Automated Fuel Dispenser) completions
5206Deferred Authorization
9052Deferred 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.

CodeDescription
9001The issuer is signed off.
9002The issuer was signed off by the switch.
9011The line to issuer is down.
9012Forced STIP because of N0 (force STIP) original response from issuer.
9020The response from issuer timed out.
9021Alternate PCR (processing code response) used for Auth Destination
9022PACM-diverted (positive authorization capacity management).
9024Transaction declined due to Visa payment controls (VPC) rule.
9025Declined by Selective Acceptance Service.
9026Transaction reviewed by the Visa Transaction Advisor Service: additional authentication required.
9027Declined by token provisioning service.
9030This transaction is auto-CDB (cardholder database service); there is a pickup response from the issuer.
9031Original processed in stand-in.
9033Declined due to active account management threshold exceeded.
9034Unable to deliver response to originator.
9035Process recurring payment in STIP.
9037Declined by Visa CTC (consumer transaction controls) service.
9038Merchandise return authorization processed in STIP.
9041There was a PIN verification error.
9042Offline PIN authentication was interrupted.
9045Switch was unable to translate the PIN.
9047Declined by real-time decisioning (RTD) processing.
9048There is an invalid CVV with the All Respond Option.
9049Account Verification—Visa Verify Only.
9054There is an invalid CAM (Card Authentication Method).
9055Merchant program identifier missing.
9063Transaction 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.
  • Transactions are ineligible to be processed at the VIC within the regulated jurisdiction
  • Transactions that must be processed by a VIC within the regulated jurisdiction are sent to an unregulated VIC.

    V.I.P. will not generate a STIP advice for these declined transactions.
  • 9064Transaction declined; invalid payment channel for card type.
    9091Dispute financial.
    9095Issuer notification of token vault provisioned or status change.
    9028The issuer requested CDB update through GCAS (Global Customer Assistance Service).
    9050Source or destination does not participate in this service.
    9070Declined by Account Screen; Issuer participates in All Respond.
    9061There is an internal system error or other switch-detected error condition.
    9101Dispute financial
    9102Switch generated this 0420 reversal advice because an approval response could not be delivered to the acquirer. VE only.
    9103An approval response could not be delivered to the acquirer because the issuer timed out.
    9200This AA Score Request transaction was automatically processed by STIP. This code is for Visa use only.
    9201Decline due to VSPS (Visa Stop Payment Service).
    9202Decline due to issuer country exclusion list.
    9203Decline due to Office of Foreign Assets Control (OFAC) embargo.
    9204Cashback processing error.
    9205Invalid CAVV with Visa Verify and decline options (V and W).
    9206Mod-10 check failure.
    9207Issuer does not support gambling transactions.
    9208Declined because issuing identifier and/or routing identifier and/or token account range is blocked.
    9209Declined because issuer does not support transaction type.
    9210Declined because of issuer participation options.
    9211Declined because acquirer does not support the service requested.
    9212Declined due to fraud condition.
    9213Declined because call-out to an external service timed out.
    9214Declined because of error return from call-out to external service.
    9215Declined because issuer blocked specific POS entry mode.
    9216Non device based token used to personalize.
    9217Issuer 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).
    9218Product 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.
    9219Merchant Blocking Service Decline Reason Code.
    9220Device binding request could not be completed.
    9221Declined due to PFD (payment flow descriptor) acquirer-specific ecosystem block.
    9222Declined due to PFD issuer-specific ecosystem block.
    9223Declined due to client-tailored block—acquirer/merchant.
    9224Declined due to client-tailored block—issuer.
    9225Declined due to ecosystem PFD fraud block (non-specific to issuer or acquirer).
    9226Declined due to PFD block for other risk factors (non-specific to issuer or acquirer).
    9227dCVV2 validation failed and authorization request declined.
    9229Declined due to domestic regulations.
    9302Exceeds issuer settlement risk exposure cap.
    9303Exceeds acquirer settlement risk exposure cap.
    9999Authorization 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 response
    • 0000 — 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.

    CodeDescriptionMTI
    101Alternate Issuer Route: IPS (integrated processing solutions) signed out0120
    102Alternate Issuer Route: IPS timed out0120
    103Alternate Issuer Route: IPS unavailable0120
    105Transaction processed via X-Code0120
    107PIN processing error0120
    108Alternate Issuer Route: MIP (merchant-initiated payment) Error0120
    109Alternate Issuer Route: Issuer Edit Response Error0120
    111Alternate Issuer Route: Issuer Host System Error0120
    112Alternate Route: Network Not Dispatched Error0120
    113Alternate Route: Issuer Undelivered0120
    114Alternate Route: Direct Down Option0120
    115Transaction Processed via On-behalf Service Decision0120
    116Invalid Merchant0120
    120Transaction Blocking0120
    121Account Lookup Service0120
    126Pay with Rewards Processing Advice to Issuer0120
    140Unable to convert contactless or virtual account number0120
    141Mastercard Digital Enablement Service Advice to Issuer0120
    142TSP Advice to Issuer0120
    150Send Blocking Service Processing Advice to Issuers0120
    151In Control Processing Advice to Issuer (MastercardMerchant Presented QR)0120
    160Authentication Advice to Issuer0120
    180CAT (card authentication template) Risk Level 30120
    190Acquirer Processing System (APS) Approved0120
    191Acquirer Processing System (APS) Completed Authorization Transaction0120
    192M/Chip Offline Advice to Issuer0120
    200In Control Processing Advice to Issuer0120
    400Banknet advice: APS error; unable to deliver response0420
    401Banknet advice: APS error; no APS Authorization Acknowledgement/0180 or Financial Transaction Acknowledgement/02800420
    402Issuer Time-out0420
    403Issuer Sign-out0420
    409Issuer Response Error0420
    410Reversal message provided by a system other than Banknet0420
    413Issuer Undelivered0420

    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.

    CodeDescriptionContext
    0000Accept
    0001Reject: negative file
    0002Reject: capture card
    0003Reject: issuer not participating
    0004Reject: invalid PIN
    0005Reject: ATM
    0006Reject: transaction limit test
    0007Reject: Premium listing cumulative limit testSystem-generated messages
    0008Reject: merchant suspicious indicator testSystem-generated messages
    0009Reject: Invalid Time ValidationSystem-generated messages
    0010Reject: Stand-In Monitoring RuleSystem-generated messages
    0011Reject: day number 1/number of transactionsSystem-generated messages
    0012Reject: day number 2/number of transactionsSystem-generated messages
    0013Reject: day number 3/number of transactionsSystem-generated messages
    0014Reject: day number 4/number of transactionsSystem-generated messages
    0015Reject: day number 1/amountSystem-generated messages
    0016Reject: day number 2/amountSystem-generated messages
    0017Reject: day number 3/amountSystem-generated messages
    0018Reject: day number 4/amountSystem-generated messages
    0019Reject: extended Cash Advance cumulative amountSystem-generated messages
    0020Reject: card number in blocked rangeSystem-generated messages
    0021Reject: Premium Listing transaction limit testSystem-generated messages
    0028Reject: invalid CVC (card verification code) 1System-generated messages
    0029Reject: expired cardSystem-generated messages
    0031Reject: unable to decrypt/encrypt PIN data. (Used with Advice Reason Code 107)System-generated messages
    0034Reject: Chip validation failedMDES
    0035Reject: TVR/CVR validation failedMDES
    0036Reject: CVC 1 Unable to processSystem-generated messages
    0039Reject: Cryptogram not ARQC 0042 Reject: CVC 3 Unable to processMDES
    0041Reject: Payment Cancellation
    0043Reject: CVC 3 ATC outside allowed rangeMDES
    0044Reject: CVC 3 InvalidMDES
    0045Reject: CVC 3 Unpredictable number mismatchMDES
    0046Reject: CVC 3 ATC ReplayMDES
    0047Reject: CVC 1 No matching key file for this PAN, PAN expiry date combination; status unknownSystem-generated messages
    0078Reject: M/Chip Biometric Data not Present
    0100Reject: Account Balance Listing, transaction amount exceeds current limit
    0101Reject: Dynamic Decisioning, AI model decline
    0201Reject: Invalid Token—Primary Account Number mapping relationshipMDES
    0202Reject: Token in suspended statusMDES
    0203Reject: Token deactivatedMDES
    0204Reject: ATC Invalid—Not in List of Currently Active Single Use KeysMDES
    0205Reject: ATC ReplayMDES
    0206Reject: Invalid MD (message descriptor) AC and UMD (universal message descriptor) AC (Invalid Mobile PIN)MDES
    0207Reject: Valid MD AC; Invalid UMD AC (Mobile PIN Try Counter Max Limit not Reached, Token not Suspended)MDES
    0208Reject: Invalid MD AC; Valid UMD ACMDES
    0209Reject: Valid MD AC; Invalid UMD AC (Mobile PIN Try Counter Max Limit Reached, Token Suspended)MDES
    0210Reject: Unpredictable Number Length Indicator MismatchMDES
    0211Reject: TVR/CVR validation failedMDES
    0212Reject: Unable to ProcessMDES
    0213Reject: Invalid TokenMDES
    0215Reject: Declined by Transaction Analysis 0032 Reject: Chip Data Processing ErrorMDES
    0216Reject: DTVC (Dynamic Token Verification Code) Invalid/ExpiredSystem-generated messages
    0217Reject: Channel not Authorized by Cardholder