generated: '2026-07-18'
method: searched
source: https://docs.beamcheckout.com/response-codes
docs: https://docs.beamcheckout.com/response-codes
note: >-
  Beam surfaces card network decline data on a best-effort basis, only when the
  underlying payment processor returns it. Codes appear on the card response
  object. This artifact captures the fields and the documented example codes;
  the full ISO 8583:1987 code table is the card-network standard, not enumerated
  by Beam.
envelope_fields:
  iso8583ResponseCode:
    description: Card network response code indicating the transaction result (ISO 8583:1987)
    masked_to_buyers: false
  merchantAdviceCode:
    description: Alphanumeric code explaining why a transaction was declined and whether a retry is advisable
    masked_to_buyers: false
  networkTransactionId:
    description: Links a Customer-Initiated Transaction (CIT) with later Merchant-Initiated Transactions (MIT)
decline_codes:
  - code: '00'
    field: iso8583ResponseCode
    meaning: Approved
    action: none (success)
  - code: '51'
    field: iso8583ResponseCode
    meaning: Insufficient funds
    action: Do not retry with same funding source; ask buyer for another payment method
  - code: '02'
    field: merchantAdviceCode
    meaning: Retry advised later
    action: Retry the transaction after a delay
failure_reasons:
  - code: INSUFFICIENT_FUNDS
    surfaced_on: charge failureCode
    source: https://docs.beamcheckout.com/test-data