generated: '2026-07-23'
method: searched
source: >-
  https://developer.moneris.com/moneris-api/docs/response-code-tables,
  https://developer.moneris.com/moneris-api/docs/simulator
notes: >-
  Transaction-level authorization response / decline codes for the Moneris
  Unified API. Moneris returns both an RBC (Moneris host) code and an ISO code on
  the payment response; the ISO code is the standard card-network response code.
  These are distinct from the API-level Problem JSON errors in
  errors/moneris-problem-types.yml (which cover HTTP transport/validation). The
  full authoritative tables (Visa / Mastercard / Amex / Interac) are published at
  the response-code-tables page; a representative set of the most common ISO
  outcome codes is captured here verbatim. Decline reasons are typically masked
  to the buyer (a generic "declined" is shown) while the merchant receives the
  specific code.
envelope:
  fields:
    - responseCode (RBC/Moneris host code)
    - isoResponseCode (ISO 8583 response code)
  masked_to_buyer: true
iso_codes:
  - iso: '00'
    rbc: '027'
    meaning: Approved
    action: Proceed - transaction approved.
  - iso: '01'
    rbc: '000'
    meaning: Approved
    action: Proceed - transaction approved.
  - iso: '02'
    rbc: '483'
    meaning: Call for authorization / refer to card issuer
    action: Do not retry automatically; cardholder should contact issuer.
  - iso: '03'
    rbc: '476'
    meaning: Declined - merchant not on file / invalid merchant
    action: Merchant configuration issue; contact Moneris.
  - iso: '04'
    rbc: '421'
    meaning: Declined - pick up card (no fraud)
    action: Do not retry; request another payment method.
  - iso: '05'
    rbc: '481'
    meaning: Declined - do not honour
    action: Request another payment method.
  - iso: '06'
    rbc: '050'
    meaning: Error
    action: Retry may be possible after correcting the request.
  - iso: '07'
    rbc: '421'
    meaning: Declined - pick up card, special condition (fraud account)
    action: Do not retry; request another payment method.
  - iso: '12'
    rbc: '421'
    meaning: Declined - invalid transaction
    action: Do not retry with the same request.
  - iso: '14'
    rbc: '477'
    meaning: Invalid card number
    action: Request a corrected card number.
  - iso: '41'
    rbc: '421'
    meaning: Declined - lost card, pick up
    action: Do not retry; request another payment method.
  - iso: '43'
    rbc: '421'
    meaning: Declined - stolen card, pick up
    action: Do not retry; request another payment method.
  - iso: '51'
    rbc: '481'
    meaning: Declined - insufficient / low funds
    action: Request another payment method or retry later.
  - iso: '54'
    rbc: '482'
    meaning: Declined - expired card
    action: Request updated card expiry.
  - iso: '57'
    rbc: '421'
    meaning: Declined - transaction not permitted to cardholder
    action: Request another payment method.
  - iso: '62'
    rbc: '481'
    meaning: Declined - restricted card
    action: Request another payment method.
  - iso: '75'
    rbc: '481'
    meaning: Allowable number of PIN tries exceeded (Maestro)
    action: Cardholder must re-enter / contact issuer.
  - iso: '96'
    rbc: '476'
    meaning: Invalid transaction, system error
    action: Retry later.
sandbox_simulation:
  method: Penny Value Simulator
  note: >-
    In sandbox the cent value of the transaction amount deterministically
    selects the response code (e.g. $x.51 -> 51/481 low funds; $x.54 -> 54/482
    expired card; $x.05 -> 05/481 declined). See sandbox/moneris-sandbox.yml.
  docs: https://developer.moneris.com/moneris-api/docs/simulator