Authorization Response Codes

The response codes are available in these locations:

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. See Allpoint response codes below.

Codes marked with an asterisk (*) are success codes. All other codes are deny codes.

00*Success. Authorization request approved.
01Issuer error.
03Mastercard only. MCC blocked. The MCC is blocked at a product or account level.
04Capture card. The merchant or ATM must retain the card because fraud is suspected.
05Do not honor. This is the default deny code when other deny codes do not apply. Also the mobile-wallet provisioning red path, or card not in active status for AVS-only checks.
10*Partial approval. The amount approved is less than the authorization request amount.
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.
12Mastercard only. Point of sale does not support MSI Installments, or the loan terms are invalid.
13Mastercard only. Maximum system amount reached.
14All but Visa. 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.
30Format error.
41All but Visa. Lost, pick up. The card has been reported lost and is in status: L. The merchant should retain the card if possible and return it to the issuer.
43All but Visa. Stolen, pick up. The card has been reported stolen and is in status: S or status: A. The merchant should retain the card if possible and return it to the issuer.
46Visa only. Closed account. 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.
  • Insufficient funds (NSF). The authorization amount is larger than the cardholder's available balance.
  • Mastercard only. Card is in status: Q (delinquent credit).
  • 54Card 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.
    55Invalid PIN. The wrong PIN was input in the PIN keypad.
    57Transaction not permitted to cardholder. For some possible reasons for this response code, see Transaction type validation in the Auth API Validation Checks guide.
    59Visa and STAR only. Suspected fraud. The risk score exceeds a program-specified threshold.
    61Exceeds amount limit. The transaction violates the per-transaction velocity limit set by the program.
  • Visa. Restricted card. Card is being used in an OFAC-restricted country.
  • Mastercard and STAR Frozen card.
  • 63Mastercard only. Security violation.
    65Exceeds count limit. The transaction violates the velocity limit of the number of transactions in a period, set by the program.
    75PIN count exceeded. The number of failed PIN attempts exceeds the number set by the program.
  • Visa. Frozen card.
  • Mastercard. 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).
  • 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.
    87*Partial approval (sale amount only, no cashback). The amount approved is less than the authorization request amount, and any requested cashback is denied.
    91Visa only. Issuer did not respond in time.
    96System error.
    N7Visa only. Invalid CVV2. The CVV2 provided in a card-not-present transaction did not match the CVV2 on record.

    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
    001Approved With Identification
    002Approved For Partial Amount
    003Approved (VIP)
    100Do Not Honor (General Denial)
    101Expired Card
    102Suspected Fraud
    103Card Acceptor Contact Acquirer
    104Restricted Card
    105Card Acceptor Call Acquirer's Security Department
    106Allowable Pin Tries Exceeded
    107Refer To Card Issuer
    108Refer To Card Issuer's Special Condition
    109Invalid Merchant
    110Invalid Amount
    111Invalid Card Number
    112Pin Data Required
    113Unacceptable Fee
    114No Account Of Type Requested
    115Requested Function Not Supported (Invalid Transaction)
    116Insufficient Funds
    117Incorrect Pin
    118No Card Record
    119Transaction Not Permitted To Cardholder
    120Transaction Not Permitted To Terminal
    121Exceeds Withdrawal Amount Limit
    122Security Violation
    123Exceeds Withdrawal Limit Frequency
    124Violation Of Law
    126Invalid Pin Block
    127Pin Length Error
    128Pin Key Synchronization Error (Sanity Error)
    129Suspected Counterfeit Card
    130Transaction Failed OFAC Check
    131Check Not Acceptable
    138Incorrect Configuration (Custom; Not For General Use)
    159Suspected Fraud (Custom; Not For General Use)
    180Limit Exceeded Due To Cash Back Amount
    181Enter Lesser Amount
    182Institution Not Supported By Switch
    183Balances Not Available For Inquiry
    184Resubmission In Violation Of Network Rules
    185Stop Payment On Check (Shared Branch Only)
    200Do Not Honor
    201Expired Card
    202Suspected Fraud
    203Card Acceptor Contact Acquirer
    204Restricted Card
    205Card Acceptor Call Acquirer's Security Department
    206Allowable Pin Tries Exceeded
    207Special Conditions
    208Lost Card
    209Stolen Card
    210Suspected Counterfeit Card
    211Invalid Card Number
    214No Account Of Type Requested
    216Insufficient Funds
    217Incorrect Pin
    601Not Able To Trace Back To Original Transaction
    880Key Change Rejected—Check Value Mismatch
    881Key Change Rejected—Local System Problem
    882Key Change Request Rejected—Key Change In Progress
    883Declined—Incorrect Institution Identifier
    907Card Issuer Or Switch Inoperative
    908Transaction Destination Cannot Be Found For Routing
    909System Malfunction