generated: '2026-06-20'
method: searched
source: https://docs.fatzebra.com/docs/response-codes
docs: https://docs.fatzebra.com/docs/response-codes
envelope_field: response_code
note: Returned on Purchase, Refund and Auth/Capture responses. response_code maps to standard financial-network
  (ISO 8583-style) response codes; "00" = Approved. For lost/stolen/fraud declines the specific reason
  must be masked to the buyer and presented as a generic decline.
count: 98
decline_codes:
- code: '00'
  message: Approved
  bank_meaning: Approved
  successful: true
- code: '01'
  message: Refer to Card Issuer
  bank_meaning: Transaction Declined
  successful: false
  action: The customer needs to contact their card issuer for more information.
- code: '02'
  message: Refer to Card Issuer
  bank_meaning: Transaction Declined
  successful: false
  action: The customer needs to contact their card issuer for more information.
- code: '03'
  message: No Merchant
  bank_meaning: Merchant configuration error
  successful: false
  action: Check the merchant details provided.
- code: '04'
  message: Refer to Card Issuer
  bank_meaning: Card marked as Lost or Stolen
  successful: false
  action: The specific reason for the decline should not be reported to the customer. Instead, it needs
    to be presented as a generic decline.
- code: '05'
  message: Refer to Card Issuer
  bank_meaning: Do Not Honor
  successful: false
  action: The customer needs to contact their card issuer for more information.
- code: '06'
  message: Merchant/Acquirer Error
  bank_meaning: Error - Original Not Found or similar
  successful: false
- code: '07'
  message: Refer to Card Issuer
  bank_meaning: Card marked as lost or stolen (Pick Up Card - Special)
  successful: false
  action: The specific reason for the decline should not be reported to the customer. Instead, it needs
    to be presented as a generic decline.
- code: 08
  message: Approved
  bank_meaning: Honour with Identification
  successful: true
- code: 09
  message: Acquirer Busy
  bank_meaning: Request in Progress (Local Terminal Error)
  successful: false
- code: '10'
  message: Approved
  bank_meaning: Approved for Partial Amount
  successful: true
- code: '11'
  message: Approved
  bank_meaning: Approved - VIP
  successful: true
- code: '12'
  message: Invalid Transaction
  bank_meaning: Invalid Transaction Type
  successful: false
  action: The customer needs to contact their card issuer to make sure their card can be used to make
    this type of purchase.
- code: '13'
  message: Invalid Amount
  bank_meaning: Invalid Amount
  successful: false
  action: If the amount appears to be correct, the customer needs to check with their card issuer that
    they can make purchases of that amount.
- code: '14'
  message: Invalid Card Number
  bank_meaning: Invalid Card Number
  successful: false
  action: The customer needs to contact their card issuer to check that the card is working correctly.
- code: '15'
  message: No Issuer
  bank_meaning: The card does not have a valid issuer in the scheme registration file
  successful: false
- code: '16'
  message: Approved
  bank_meaning: Approved - Update Track 3
  successful: true
- code: '17'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '18'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '19'
  message: Declined
  bank_meaning: Re-enter last transaction
  successful: false
  action: The payment should be attempted again. If it still cannot be processed, the customer needs to
    contact their card issuer.
- code: '20'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '21'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '22'
  message: Declined
  bank_meaning: Suspected Malfunction
  successful: false
  action: The payment should be attempted again. If it still cannot be processed, try again later.
- code: '23'
  message: Declined
  bank_meaning: Unacceptable Transaction Fee
  successful: false
- code: '24'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '25'
  message: Declined
  bank_meaning: Unable to Locate Record on File
  successful: false
- code: '26'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '27'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '28'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '29'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '30'
  message: Declined
  bank_meaning: Format Error
  successful: false
- code: '31'
  message: Bank Not Supported
  bank_meaning: Bank Not Supported by Switch/Route
  successful: false
- code: '32'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '33'
  message: Expired Card
  bank_meaning: Expired Card (Capture)
  successful: false
  action: The customer should use another card.
- code: '34'
  message: Declined
  bank_meaning: Suspected Fraud - Retain Card
  successful: false
  action: The specific reason for the decline should not be reported to the customer. Instead, it needs
    to be presented as a generic decline.
- code: '35'
  message: Declined
  bank_meaning: Card Acceptor, Contact Acquirer, Retain Card
  successful: false
  action: The specific reason for the decline should not be reported to the customer. Instead, it needs
    to be presented as a generic decline.
- code: '36'
  message: Declined
  bank_meaning: Restricted Card - Retain Card
  successful: false
  action: The specific reason for the decline should not be reported to the customer. Instead, it needs
    to be presented as a generic decline.
- code: '37'
  message: Declined
  bank_meaning: Contact Acquirer Security Department, Retain Card
  successful: false
  action: The specific reason for the decline should not be reported to the customer. Instead, it needs
    to be presented as a generic decline.
- code: '38'
  message: Declined
  bank_meaning: PIN Retries Exceeded (Capture Card)
  successful: false
  action: The customer must use another card or method of payment.
- code: '39'
  message: Declined
  bank_meaning: No Credit Account
  successful: false
  action: The customer needs to contact their card issuer to check that the card is working correctly.
- code: '40'
  message: Declined
  bank_meaning: Function Not Supported
  successful: false
- code: '41'
  message: Declined
  bank_meaning: Lost Card
  successful: false
  action: The specific reason for the decline should not be reported to the customer. Instead, it needs
    to be presented as a generic decline.
- code: '42'
  message: Declined
  bank_meaning: No Universal (Credit-capable) account
  successful: false
  action: The customer needs to contact their card issuer to check that the card is working correctly.
- code: '43'
  message: Declined
  bank_meaning: Stolen Card
  successful: false
  action: The specific reason for the decline should not be reported to the customer. Instead, it needs
    to be presented as a generic decline.
- code: '44'
  message: Declined
  bank_meaning: No Investment Account (Not Used)
  successful: false
  action: The customer needs to contact their card issuer to check that the card is working correctly.
- code: '45'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '46'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '47'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '48'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '49'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '50'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '51'
  message: Insufficient Funds
  bank_meaning: Insufficient Funds
  successful: false
  action: The customer should use an alternative payment method.
- code: '52'
  message: Declined
  bank_meaning: No Cheque Account
  successful: false
  action: The customer needs to contact their card issuer to check that the card is working correctly.
- code: '53'
  message: Declined
  bank_meaning: No Savings Account
  successful: false
  action: The customer needs to contact their card issuer to check that the card is working correctly.
- code: '54'
  message: Expired Card
  bank_meaning: Expired Card
  successful: false
  action: The customer should use another card.
- code: '55'
  message: Declined
  bank_meaning: Incorrect PIN
  successful: false
  action: The customer should try again using the correct PIN.
- code: '56'
  message: Declined
  bank_meaning: No Card Record - Check with Issuer
  successful: false
  action: The customer needs to contact their card issuer to check that the card is working correctly.
- code: '57'
  message: Declined
  bank_meaning: Function Not Permitted to Card Holder
  successful: false
  action: The customer needs to contact their card issuer to make sure their card can be used to make
    this type of purchase.
- code: '58'
  message: Declined
  bank_meaning: Function Not Permitted to Terminal
  successful: false
- code: '59'
  message: Declined
  bank_meaning: Suspected Fraud
  successful: false
  action: The specific reason for the decline should not be reported to the customer. Instead, it needs
    to be presented as a generic decline.
- code: '60'
  message: Declined
  bank_meaning: Merchant to Contact Acquirer
  successful: false
- code: '61'
  message: Declined
  bank_meaning: Exceeds Withdrawal Limit
  successful: false
- code: '62'
  message: Declined
  bank_meaning: Restricted Card
  successful: false
- code: '63'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '64'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '65'
  message: Declined
  bank_meaning: Exceeds Withdrawal
  successful: false
  action: The customer’s card issuer has declined the transaction as the customer has exceeded the withdrawal
    frequency limit.
- code: '66'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '67'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '68'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '69'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '70'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '71'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '72'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '73'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '74'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '75'
  message: Declined
  bank_meaning: PIN Tries Exceeded
  successful: false
  action: The customer must use another card or method of payment.
- code: '76'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '77'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '78'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '79'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '80'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '81'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '82'
  message: Declined
  bank_meaning: CVV Validation Error
  successful: false
  action: The customer should try again using the correct CVV.
- code: '83'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '84'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '85'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '86'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '87'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '88'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '89'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '90'
  message: Declined - Please Retry
  bank_meaning: Cutoff In Progress - retry allowed
  successful: false
  action: The payment should be attempted again. If it still cannot be processed, the customer needs to
    contact their card issuer.
- code: '91'
  message: Declined
  bank_meaning: Host or Switch Unavailable/Card Issuer Signed Off/Card Issuer Timed Out/Card Issuer Unavailable
  successful: false
  action: The payment should be attempted again. If it still cannot be processed, the customer needs to
    contact their card issuer.
- code: '92'
  message: Declined
  bank_meaning: Unable to Route Transaction
  successful: false
  action: The payment should be attempted again. If it still cannot be processed, try again later.
- code: '93'
  message: Declined
  bank_meaning: Cannot Complete, Violation Of The Law
  successful: false
  action: The specific reason for the decline should not be reported to the customer. Instead, it needs
    to be presented as a generic decline.
- code: '94'
  message: Declined
  bank_meaning: Duplicate Transaction
  successful: false
  action: Check to see if a recent payment already exists.
- code: '95'
  message: Declined
  bank_meaning: Not Used
  successful: false
- code: '96'
  message: Declined
  bank_meaning: System Error
  successful: false
  action: The payment should be attempted again. If it still cannot be processed, try again later.
- code: '99'
  message: System Error - Contact Gateway if error persists
  bank_meaning: System Error
  successful: false
  action: The payment should be attempted again. If it still cannot be processed, try again later.