generated: '2026-07-21'
method: searched
source: https://developers.tabapay.com/reference/iso-network-codes
description: 'Card network response codes returned when an authorization fails at the network or beyond — TabaPay
  surfaces the network''s ISO response code on the transaction (networkRC). Complements errors/tabapay-problem-types.yml
  (API-level SC/EC/EM errors). Related references: Accel response codes, RTP response codes (P04/P11/...), RPPS
  exception codes, ACH return codes, AVS/CVV2/ANI response codes.'
envelope_field: networkRC (network response code on transaction responses); resource status e.g. COMPLETED/ERROR/UNKNOWN
related:
- https://developers.tabapay.com/reference/accel-network-codes
- https://developers.tabapay.com/reference/rtp-response-codes
- https://developers.tabapay.com/reference/rpps-exception-codes
- https://developers.tabapay.com/reference/ach-return-codes
- https://developers.tabapay.com/reference/avs-response-codes
- https://developers.tabapay.com/reference/cvv2-response-codes
- https://developers.tabapay.com/reference/ani-response-codes
decline_codes:
- code: '00'
  meaning: Approved or completed successfully.
  category: Approvals
- code: '01'
  meaning: 'Refer to card Issuer. For referral transactions/services, where the merchant/TabaPay is required to
    call the issuer to complete the transaction:'
  category: Referral Responses
  detail: Referral transactions are rarely used as the probability of the merchant calling the issuer is very low.
  action: Cardholder should contact the issuing bank
- code: '02'
  meaning: Refer to card issuers special conditions.
- code: '03'
  meaning: Invalid Merchant. The card is not valid to be used at this Merchant or MCC.
  category: Policy Declines
  visa_category: 2 - Issuer cannot approve at this time
  detail: Used when the Issuer or cardholder has restricted the card or product definition to not allow usage at
    Merchant Category Code (MCC). May be used for regulatory restrictions preventing transactions at certain types
    of Merchants such as gambling, etc. Merchant restrictions may be temporary or permanent
  action: Email TabaPay Support at help@tabapay.com to share your request & response. (Transaction should not be
    immediately reattempted for this Merchant or MCC)
- code: '04'
  meaning: Pick-Up Card (No fraud). A card has been cancelled
  category: Fraud/Security-related Details
  visa_category: 1 - Issuer will never approve
  detail: Use for scenarios where the account has been closed, typically for non-fraud reasons. Alocked/cancelled
    cards due to confirmed previous fraudulent situation (other than lost stolen), Fraudulent activities at account
    level (such as identity theft or Account Take Over).
  action: Reattempt not permitted with the same PAN or token Request alternate payment method from customer and/or
    advise the cardholder to contact their Issuer
- code: '05'
  meaning: Do not Honor.
  category: Others
  visa_category: 4 - Generic Response Code
  detail: Issuers should use this response code only when no other response code applies.
  action: Cardholder should contact the issuing bank
- code: '06'
  meaning: Error.
  detail: General Issuer error.
  action: Cardholder should contact the issuing bank. Merchant may reattempt.
- code: '07'
  meaning: Pick up Card, Special Condition (fraud account). Fraud-compromised account
  visa_category: 1 - Issuer will never approve
  detail: Use for accounts closed due to fraud or collections.
  action: Reattempt not permitted with the same PAN or token Request alternate payment method from customer and/or
    advise the cardholder to contact their Issuer
- code: 08
  meaning: Honor with identification.
  category: Approvals
  detail: When issuer needs to verify the identity of a cardholder for certain types of transactions, such as manual
    cash disbursements.
- code: 09
  meaning: Request in progress.
- code: '10'
  meaning: Approved for partial amount.
  category: Approvals
  detail: Used for approvals of an amount that is less than requested. (TabaPay Internal Only) You should not receive
    an networkRC:10 directly.
  action: For partial auth you will still receive a 00. Check the status for PARTIAL_COMPLETED or PARTIAL_AUTHORIZED
    and a partialAmount field with Retrieve Transaction.
- code: '11'
  meaning: Approved (VIP).
- code: '12'
  meaning: Invalid Transaction. The transaction is not authorized due to technical issues
  category: Technical/Validation Details
  visa_category: 1 - Issuer will never approve
  detail: When a fatal technical error prevents approval including (e.g.-invalid POS entry mode for card type) May
    be used when CVV validation was not successful. Can also be a network-triggered decline.
  action: Reattempt not permitted Evaluate for potential fraud or issues with Merchant terminal. Review the following
    fields for possible failure conditions - CVV or Card Authentication Results Code. Evaluate for potential fraud
- code: '13'
  meaning: Invalid amount
  category: Policy Declines
  detail: Amount is outside of the limits defined by issuer (general / policy limit). For individual credit limit,
    response code 51 (Insufficient funds/over credit limit) must be used; or Amount is outside of limits defined
    by rule or regulation (for example, an installment payment less than the minimum amount allowed or a Gaming
    Payment Transaction exceeding the maximum amount allowed); or Transaction exce
  action: Email TabaPay Support at help@tabapay.com to share your request & response
- code: '14'
  meaning: Invalid card number (no such number). Account number is not valid
  category: Life-Cycle Declines
  visa_category: 1 - Issuer will never approve
  detail: Account number was never issued or has been permanently blocked or closed. OR Failed Mod-10 check OR Account
    number is not a valid length for Issuer OR Type of transaction not allowed at the Issuer OR Card expiration
    date does not match what is on the card.
  action: Reattempt not permitted with the same PAN or token. Revalidate account number for accuracy Evaluate for
    potential fraud Enable TabaPay Account Updater
- code: '15'
  meaning: No such issuer [first 8 digits of account number do not relate to an issuing identifier]). Generated
    when the BIN, account range or network for the requested account number is not defined at the network
  visa_category: 1 - Issuer will never approve
  detail: Network generated Response, not used by Issuers
  action: Reattempt not permitted with the same PAN or token Revalidate account number for accuracy Evaluate for
    potential fraud.
- code: '16'
  meaning: Approved, update track 3.
- code: '17'
  meaning: Customer cancellation, reversal (unsupported).
- code: '18'
  meaning: Customer dispute, chargeback (future).
- code: '19'
  meaning: Re-enter transaction. Transaction temporarily cannot be processed.
  visa_category: 2 - Issuer cannot approve at this time
  detail: 'Contact TabaPay. Used when the Issuer is temporarily unable to process a transaction due to: (1) A malfunction
    with the issuer OR (2) An error in the message structure or field format OR (3) Used by network when a transaction
    exceeds the Merchant fraud threshold OR (4) May be used for Address Verification failure'
  action: 'If you receive a high volume of RC19, please reattmpt the transaction and contact TabaPay if a resolution
    is not achieved within 24-48 hours to evaluate possible errors. Note: May also evaluate Address Verification
    Failures'
- code: '20'
  meaning: Invalid response.
- code: '21'
  meaning: No action taken, reversal (unsupported).
- code: '22'
  meaning: Suspected malfunction, reversal (unsupported).
- code: '23'
  meaning: Unacceptable transaction fee.
- code: '24'
  meaning: File update not supported by receiver.
- code: '25'
  meaning: Unable to locate record on file.
- code: '26'
  meaning: Duplicate file update record, no action.
- code: '27'
  meaning: File update field edit error.
- code: '28'
  meaning: File update record locked out.
- code: '29'
  meaning: File update not successful, contact acquirer.
- code: '30'
  meaning: Format error (may also be a reversal).
  category: Technical/Validation Details
  detail: When the information in one or more data elements is not consistent or there is a failure in validation
    among data elements and applicable subelements.
  action: Email TabaPay Support at help@tabapay.com to share your request & response
- code: '31'
  meaning: Bank not supported by switch.
  detail: Network Issue
  action: Email TabaPay Support at help@tabapay.com to share your request & response
- code: '32'
  meaning: Completed partially, reversal (unsupported).
- code: '33'
  meaning: Expired card, pick-up.
- code: '34'
  meaning: Suspected fraud, pick-up.
- code: '35'
  meaning: Card acceptor contact acquirer, pick-up.
- code: '36'
  meaning: Restricted card, pick-up.
- code: '37'
  meaning: Card acceptor call acquirer security, pick-up.
- code: '38'
  meaning: Allowable PIN tries exceeded, pick-up.
- code: '39'
  meaning: No credit account.
  visa_category: 2 - 2 - Issuer cannot approve at this time
- code: '40'
  meaning: Requested function not supported.
  detail: Network Issue
  action: Email TabaPay Support at help@tabapay.com to share your request & response
- code: '41'
  meaning: Lost Card, Pick-up. The cardholder has reported the card lost
  category: Fraud/Security-related Details
  visa_category: 1 - Issuer will never approve
  detail: When a card has been marked as 'lost card'
  action: Reattempt not permitted with the same payment credential Request alternate payment method from customer
    and/or advise the cardholder to contact their Issuer
- code: '42'
  meaning: No universal account.
- code: '43'
  meaning: Stolen Card, Pick-up. The cardholder has reported the card stolen.
  category: Fraud/Security-related Details
  visa_category: 1 - Issuer will never approve
  detail: Use when a card has been marked as 'stolen card'.
  action: Reattempt not permitted with the same payment credential Request alternate payment method from customer
    and/or advise the cardholder to contact their Issuer
- code: '44'
  meaning: No investment account.
- code: '45'
  meaning: Reserved for ISO use.
- code: '46'
  meaning: 'Deactivated token was used (updated for Visa). Use for authorization attempts on deactivated tokens.
    MasterCard: When an issuer or cardholder permanently closes a credential or underlying account and no further
    authorization requests will be approved.'
  visa_category: 1 - Issuer will never approve
  detail: Closed account
  action: Reattempt not permitted with the same payment credential Request alternate payment method from customer
    and/or advise the cardholder to contact their Issuer
- code: '47'
  meaning: Reserved for ISO use.
- code: '48'
  meaning: Reserved for ISO use.
- code: '49'
  meaning: Reserved for ISO use.
- code: '50'
  meaning: Reserved for ISO use.
- code: '51'
  meaning: Insufficient Funds. Transaction amount exceeds the cardholders available balance.
  category: Credit-related Declines
  visa_category: 2 - Issuer cannot approve at this time
  detail: The card has insufficient funds to complete the purchase
  action: 'Client can reattempt for a lesser amount or at a later date to allow the cardholder to fund their debit
    account or pay down their credit account Note: Clients can reduce NSF declines by implementing the Partial Authorization
    service. Watch out this space!!'
- code: '52'
  meaning: No checking account.
  visa_category: 2 - Issuer cannot approve at this time
  detail: Debit card tied to Only savings account
  action: Customer should contact the issuing bank
- code: '53'
  meaning: No savings account.
  visa_category: 2 - Issuer cannot approve at this time
- code: '54'
  meaning: Expired Card / Expiration Date Missing. Card is expired, expiration date is invalid or expiry date not
    provided.
  category: Life-Cycle Declines
  visa_category: 3 - Data quality issues/Revalidate data
  detail: Used when the authorization contains an expired or invalid or missing expiration date. (Not for recurring
    transactions)
  action: Validate the expiration date prior to reattempt. Monitor reattempts for potential fraud Enable TabaPay
    Account Updater
- code: '55'
  meaning: Incorrect PIN. PIN has failed the PIN verification process or is not present.
  category: Fraud/Security-related Details
  visa_category: 3 - Data quality issues/Revalidate data
  detail: Used when the PIN fails the PIN verification process or is not present in the transaction when required.
  action: Reattempt with a valid value (re-enter PIN) POS transactions may be reattempted as a non-PIN transaction
    if applicable
- code: '56'
  meaning: No card record.
- code: '57'
  meaning: Transaction not permitted to CardHolder. A permanent restriction is placed, most often at the Issuer
    BIN level but may be applied at the account level
  category: Policy Declines
  visa_category: 1 - Issuer will never approve
  detail: Used for unsupported transaction types or permanent restrictions not classified under other response codes.
    Generated by networks for certain transaction typesnot supported by the Issuer Restriction at the product level
    Restriction at the BIN level Restriction by internal policy (not related to merchants or MCC, in which case
    Response Code 03 (Invalid merchant) must be used) Restricted countries (
  action: Reattempt not permitted Request alternate payment method from customer and/or advise the cardholder to
    contact their Issuer
- code: '58'
  meaning: Transaction not permitted to terminal (may also be a chargeback). Transaction not permitted to acquirer/terminal
  category: Policy Declines
  detail: When the transaction POS Entry Mode or the terminal capability does not match the transaction type according
    to issuer’s policies. May be used in the case of fallback transactions. May also be used to indicate a merchant
    restriction (for example, the merchant does not participate in a private label program or is not permitted to
    offer installments).
  action: Email TabaPay Support at help@tabapay.com to share your request & response
- code: '59'
  meaning: Suspected fraud. The transaction does not pass risk monitoring detection systems or controls.
  visa_category: 2 - Issuer cannot approve at this time
  detail: Used when a transaction fails a fraud rule in the Issuers fraud detection system or at the network's
  action: Advise the cardholder to contact their Issuer and do not reattempt the transaction until the cardholder
    confirms.
- code: '60'
  meaning: Card acceptor contact acquirer.
- code: '61'
  meaning: Exceeds withdrawal amount limit. The AMOUNT activity limit for the card or account has been exceeded.-or-
    The Issuer or TabaPay Settlement Risk Exposure Cap has been exceeded
  category: Policy Declines
  visa_category: 2 - Issuer cannot approve at this time
  detail: 'Used when the defined amount activity limit for the account is exceeded. Used by network when: – The
    Issuer or Acquirer settlement risk exposure cap has been exceeded – The Issuer defined velocity/amount limit
    for OCT has been exceeded.'
  action: Do not reattempt the transaction the same day to allow limits to reset. Merchant may advise the cardholder
    to contact their Issuer
- code: '62'
  meaning: Restricted Card (Card invalid in Region or Country). A Restriction is placed at the BIN or cardholder
    level to restrict usage in a particular country.
  category: Policy Declines
  visa_category: 2 - Issuer cannot approve at this time
  detail: Used when a transaction is attempted from a country where transactions are restricted including OFAC or
    embargoed countries. Restriction may be temporary or permanent Should not be used for non-geographic account
    restrictions Restriction at card level (for product level, response code 57 must be used) Deceased cardholder
    Account permanently blocked/cancelled due to high delinquency level Permanent
  action: Do not immediately reattempt. Merchant may reattempt if the cardholder confirms the restriction has been
    removed. (Merchant must not alter country code or other transaction data to gain approval)
- code: '63'
  meaning: Security violation (may also be a chargeback). Security Violation
  category: Fraud/Security-related Details
  detail: When suspected fraudulent transactions occur - as response to fraud prevention real-time declines or for
    accounts/cards temporally blocked due to suspected fraudulent use.
- code: '64'
  meaning: Compliance-related decline.
  category: Fraud/Security-related Details
  detail: Usually when transaction does not fulfill Compliance requirements)
- code: '65'
  meaning: Exceeds withdrawal frequency limit. The COUNT activity limit for the card or account has been exceeded
    (usually set daily).
  category: Policy Declines
  visa_category: 2 - Issuer cannot approve at this time
  detail: Used when the defined count activity limit for the card or account (usually set daily) is exceeded. Used
    for when the transaction exceeds the Original Credit Transaction (OCT) withdrawal frequency limit if Issuer
    supports velocity checking.
  action: Do not reattempt the transaction the same day to allow limits to reset. Merchant may advise the cardholder
    to contact their Issuer
- code: '66'
  meaning: Card acceptor call acquirer security.
- code: '67'
  meaning: Hard Capture, Pick-Up.
  detail: Fraud issue
  action: Cardholder should contact the issuing bank
- code: '68'
  meaning: Response received too late, reversal (unsupported).
- code: '69'
  meaning: Reserved for ISO.
- code: '70'
  meaning: Reserved for ISO.
- code: '71'
  meaning: Reserved for ISO. PIN not changed
  category: Technical/Validation Details
  detail: When PIN change request was not successfully completed.
- code: '72'
  meaning: 'Reserved for ISO.MasterCard: When an authorization request is received but cannot be approved because
    the account has not been activated, such as in the case of a newly issued account.'
- code: '73'
  meaning: Reserved for ISO.
- code: '74'
  meaning: Reserved for ISO.
- code: '75'
  meaning: Allowable number of PIN tries exceeded. Use when the system defined number of PIN entry tries is exceeded.
  category: Policy Declines
  visa_category: 2 - Issuer cannot approve at this time
  detail: This is an ATM Only Card. Used when cardholder has entered the incorrect PIN multiple times. Excessive
    attempts may require additional risk investigations.
  action: Do not reattempt the transaction the same day to allow limits to reset. POS transactions may be reattempted
    as a non-PIN transaction if applicable
- code: '76'
  meaning: Key synchronization error (FIS).
- code: '77'
  meaning: Reserved for private use.
- code: '78'
  meaning: Visa. Used for suspended or deactivated pseudo Accounts. Blocked, first used or special condition (new
    cardholder not activated, or card is temporarily blocked). New card that has not been activated -or- card has
    been temporarily blocked due to a special condition (Updated)
  visa_category: 2 - Issuer cannot approve at this time
  detail: This is an ATM Only Card. Used when a card has been issued but not yet activated (may trigger alert to
    cardholder). May be used for when the account is temporarily blocked for all transactions due a special condition
    (e.g.- delinquency or cardholder request)
  action: Transaction should not be immediately reattempted. Merchant may reattempt if the cardholder confirms the
    card has been activated or reactivated
- code: '79'
  meaning: Lifecycle declines.
  detail: Lifecycle declines (Expired Card, Invalid Card Number, etc.)
  action: Customer should contact the issuing bank
- code: '80'
  meaning: Stale dated transaction (Star SM ).
- code: '81'
  meaning: Issuer requested standin.
- code: '82'
  meaning: 'Issuer declines Visa: Negative Online CAM, dCVV, iCVV, CVV, CAVV, dCVV2, TAVV, or DTVV results. Or offline
    PIN authentication interrupted MasterCard: Policy declines'
  visa_category: 3 - Data quality issues/Revalidate data
  detail: Issuer Policy declines (Restricted Card, Transaction Not Permitted, etc.) Used when a failure for CAM,
    dCVV, iCVV, CVV or service code within Card Present transactions. Evaluate for potential fraud
  action: Monitor reattempts for potential fraud and check verification values (CVV especially)
- code: '83'
  meaning: Fraud Card-Absent Environment..
  detail: Fraud/Security declines (Lost/Stolen Card, Security Violation, etc.)
  action: Customer should call the issuing bank
- code: '84'
  meaning: Time limit for pre-authorization reached (VISANet).
- code: 85*
  meaning: Issuer has no reason to decline the transaction (Account Verification).
  category: Approvals
  detail: For non-financial zero amount transactions.
- code: '86'
  meaning: Cannot verify PIN (VISANet). The PIN cannot be validated
  category: Technical/Validation Details
  visa_category: 2 - Issuer cannot approve at this time
  detail: Used for system malfunctions for ATM transactions including hardware or processing system errors. Used
    in STIP when the Issuer has not provided Visa with PIN verification keys or values
  action: Reattempt can occur within same day. POS transactions may be reattempted as a non-PIN transaction if applicable
- code: '87'
  meaning: Check already posted/Purchase Amount Only, No cashback allowed.
  category: Approvals
  detail: When it is a purchase-only approval of a purchase with cash back transaction (Processing Code 09) when
    cash back is not allowed.
- code: '88'
  meaning: Information not on file. Cryptographic failure
  category: Technical/Validation Details
  detail: When cryptogram validation or related key processing is unsuccessful
- code: '89'
  meaning: Card verification value (CVV) verification failed (no pickup).
  detail: Invalid CVV
  action: Customer should contact the issuing bank
- code: '90'
  meaning: Cutoff is in progress.
- code: '91'
  meaning: Issuer or Switch is inoperative/unable to respond. STIP (Stand In Processing) not applicable or available
    for this transaction
  category: Technical/Validation Details
  visa_category: 2 - Issuer cannot approve at this time
  detail: Used by the Issuer/Issuer processor/STIP if the authorization cannot be performed (issuer connectivity,
    issuer system issue, etc).
  action: DO NOT retry immediately.
- code: '92'
  meaning: Financial institution or intermediate network unknown for routing. Unable to route the transaction
  category: Technical/Validation Details
  detail: Network issue
  action: Email TabaPay Support at help@tabapay.com to share your request & response
- code: '93'
  meaning: Transaction cannot be completed, violation of law. Due to government, central bank or financial institution
    agreement, laws or regulations, the transaction cannot be authorized.
  visa_category: 2 - Issuer cannot approve at this time
  detail: 'Used for regulatory restrictions which may be temporary or permanent. For example: Gambling transactions
    Cardholder has not opted into CNP transactions No 2nd Factor Authentication on domestic ecommerce transactions.'
  action: Do not immediately reattempt. Merchant may reattempt if the cardholder confirms the restriction has been
    removed (e.g.- cardholder opts– in to transaction type) Merchants must not alter transaction information to
    gain approval.
- code: '94'
  meaning: Duplicate transaction. Duplicate transaction
  category: Technical/Validation Details
  action: Advise the cardholder to contact their Issuer on why the transaction was flagged as a duplicate
- code: '95'
  meaning: Reconcile error.
- code: '96'
  meaning: System Malfunction. Transaction does not pass Issuer system checks on fields.
  category: Technical/Validation Details
  visa_category: 2 - Issuer cannot approve at this time
  detail: May be used by the Issuer or Issuer processor to indicate that their system is unable perform the authorization
    due to system malfunction or critical message failure. Used by Visa when errors in messaging are detected that
    prevent the message from being processed. When used by the Issuer/Issuer processor, this code does not cause
    STIP to be invoked. (use N0-Force STIP instead) (Also, received duri
  action: Email TabaPay Support at help@tabapay.com to share your request & response
- code: '97'
  meaning: Reserved for national use.
- code: '98'
  meaning: Reserved for national use.
- code: 99*
  meaning: Card network fault error.
- code: '100'
  meaning: Do not Honor.
  detail: Issuer rejecting for various reasons. Could be a card that is not supported for debt repayment
  action: Cardholder should contact the issuing bank
- code: '101'
  meaning: Expired Card.
  detail: Card has expired
  action: Customer should contact issuing bank
- code: '106'
  meaning: Pin Exceeded
  detail: Pin Exceeded
- code: '107'
  meaning: Refer to card issuer.
  detail: Fraud Indicator - Stolen Card
  action: Customer should contact issuing bank
- code: '108'
  meaning: Refer to card issuer's special condition.
  detail: Fraud
  action: Customer should contact issuing bank
- code: '109'
  meaning: Term ID Error.
  detail: Invalid Merchant
- code: '110'
  meaning: Amount Error.
  detail: Invalid Amount
- code: '111'
  meaning: No Account.
  detail: Invalid Account
- code: '114'
  meaning: No account of type requested.
  detail: No checking account associated to card
  action: Customer should contact the issuing bank
- code: '115'
  meaning: Serv Not Allowed.
  detail: Service not permitted
- code: '116'
  meaning: Insufficient funds.
  detail: The customer does not have enough money in their accounts.
  action: Customer should contact the issuing bank
- code: '117'
  meaning: Wrong Pin.
  detail: Invalid Pin.
- code: '119'
  meaning: Transaction not permitted to cardholder.
  detail: Transaction not approved by issuing bank
  action: Customer should contact the issuing bank
- code: '121'
  meaning: Decline.
  detail: Limit Exceeded
- code: '123'
  meaning: Exceeds withdawal limit frequency.
  detail: Issuers do set limits for debit cards by customers.
  action: Cardholder should contact the issuing bank
- code: '125'
  meaning: Expired Card.
  detail: Invalid Effective Date.
- code: '181'
  meaning: Format Error.
  detail: Format Error.
- code: '183'
  meaning: Decline.
  detail: Invalid Currency Code.
- code: '187'
  meaning: Invalid ACCT NBR.
  detail: Deny-New Card Issued.
- code: '189'
  meaning: Term ID Error.
  detail: Deny-Cancelled or Closed Merchant.
- code: '200'
  meaning: Hold-Call.
  detail: Deny-Pick up Card.
- code: '209'
  meaning: Stolen card .
  detail: Fraud Indicator - Stolen Card
  action: Customer should contact the issuing bank
- code: '900'
  meaning: System Error.
  detail: ATC Synchronization
- code: '908'
  meaning: Transaction destination cannot be found for routing.
  detail: Network issue
  action: Email TabaPay Support at help@tabapay.com to share your request & response
- code: '909'
  meaning: System Error.
  detail: System Malfunction (CRYPTO ERROR)
- code: '912'
  meaning: No Reply.
  detail: Issuer not available
- code: Z1
  meaning: Decline.
  detail: Offline declined
- code: Z3
  meaning: Decline.
  detail: Unable to go online
- code: E1*
  meaning: Invalid or unsupported SEC.
- code: E2*
  meaning: AVS data required.
- code: E3*
  meaning: CVV2 data required.
- code: E4*
  meaning: Service not allowed. Transaction not permitted to cardholder..
- code: E5*
  meaning: Service not allowed. Transaction not permitted to cardholder..
- code: E6*
  meaning: Issuer country is blocked.
- code: E7*
  meaning: Incorrect MAC was sent.
- code: E8*
  meaning: Standard Entry Class requirements were not met.
- code: E9*
  meaning: System time out.
- code: EA*
  meaning: Account length error.
- code: EB*
  meaning: Check digit error.
- code: EC*
  meaning: CID format error.
- code: ED*
  meaning: Authorization is too old to capture.
- code: EE*
  meaning: Card product code is blocked Card product code is blocked.
- code: EF*
  meaning: Attempt to process a BRIC transaction on a prior PIN based transaction.
- code: EG*
  meaning: CyberSource Time Out Connection to CyberSource timed out.
- code: EH*
  meaning: CARD_ENT_METH supplied is not valid or required additional data not provided as defined.
- code: EI*
  meaning: CARD_ID is not valid.
- code: EJ*
  meaning: Required PIN block not present.
- code: EK*
  meaning: BIN is not valid for pinless routing.
- code: EL*
  meaning: Signature store did not complete.
- code: EM*
  meaning: Debit PIN transactions must be swiped.
- code: EN*
  meaning: DB proxy response was not processed within the time out period.
- code: EO*
  meaning: Transaction was declined by merchant due to mismatch of CVV2 data.
- code: EP*
  meaning: Transaction not allowed as per a validation rule.
- code: EQ*
  meaning: There were no available gateway nodes to route transaction.
- code: ES*
  meaning: Decline.
  detail: Transaction not allowed due to failure of internal validations
- code: ET*
  meaning: Format Error.
  detail: EMV data is required for card entry method
- code: EU*
  meaning: No Reply .
  detail: Network rejected the item
- code: EV*
  meaning: No Action Taken.
  detail: Item Already Captured
- code: EW*
  meaning: Format Error.
  detail: Failed REGEX Validation
- code: EX*
  meaning: Check NBR REQUIR.
  detail: Check NBR REQUIR
- code: EY*
  meaning: Retry - DIP CARD.
  detail: Retry - DIP CARD
- code: N0
  meaning: Authorization life cycle unacceptable.
- code: N1
  meaning: Authorization life cycle expired.
- code: N2
  meaning: Non-receipt of requested item (future).
- code: N3
  meaning: Non-receipt of requested item, illegible copy (future).
- code: N4
  meaning: Transaction exceeds floor limit (future).
- code: N5
  meaning: Declined authorization (future).
- code: N6
  meaning: Non-matching account numbers (future).
- code: N7
  meaning: Decline for CVV2 Failure / Error in addition (future) . Used to indicate that authorization request didn’t
    pass CVV2 verification.
  visa_category: 3 - Data quality issues/Revalidate data
  detail: Used when a failure of CVV2 within CNP transactions. Do not decline CNP transactions for missing CVV2
  action: Validate the CVV2 value prior to reattempt. Monitor reattempts for potential fraud
- code: N8
  meaning: Altered amount (future).
- code: N9
  meaning: Incorrect account number (future).
- code: NR
  meaning: No Debit Route.
  detail: No valid debit network available to route
- code: P0
  meaning: Missing signature (future).
- code: P1
  meaning: Slip without card imprint (future).
- code: P2
  meaning: Imprinting of multiple slips (future).
- code: P3
  meaning: Canceled pre-authorization transaction (future).
- code: P4
  meaning: Delinquent settlement (future).
- code: P5
  meaning: Currency conversion error (future).
- code: P6
  meaning: Credit posted as a debit (sale) (future).
- code: P7
  meaning: Claim or defense (future).
- code: P8
  meaning: Non-receipt of goods (future).
- code: P9
  meaning: Defective merchandise (future).
- code: Q1*
  meaning: Card authentication failed.
- code: R0
  meaning: 'Recurring transactions only. Stop this Payment: merchant-level one time stop payment. (Updated)'
  visa_category: 1 - Issuer will never approve
  detail: Used when a Cardholder requested to stop a specific single reoccurring payment transaction
  action: Reattempt not permitted Contact customer regarding cancellation of this transaction
- code: R1
  meaning: 'Recurring transactions only. Stop all Future Payments: merchant or MCC level recurring stop payment
    (Updated)'
  visa_category: 1 - Issuer will never approve
  detail: Used when a Cardholder requested to stop all recurring payment transactions for a specific Merchant account.
  action: Reattempt not permitted Contact customer regarding cancellation of all transactions from this Merchant
- code: R2
  meaning: Allowable PAN entries warning -- approved.
- code: R3
  meaning: 'Recurring transactions only. Stop all Merchants: PAN-level stop payment on VSPS eligible transactions
    (Updated).'
  visa_category: 1 - Issuer will never approve
  detail: Used when a All recurring payments have been cancelled for the card number in the request.
  action: Reattempt not permitted. Contact customer regarding cancellation of all recurring transaction
- code: R4
  meaning: Bad CVV3.
- code: RR*
  meaning: Unknown Backend Processing Error.
- code: S0
  meaning: Check not acceptable for cash.
- code: S1
  meaning: Check not acceptable.
- code: S2
  meaning: Check deposit limit exceeded.
- code: S3
  meaning: Cash back limit exceeded.
- code: S4
  meaning: Check amount does not match courtesy amount.
- code: S5
  meaning: PIN not selected.
- code: S6
  meaning: PIN already selected.
- code: S7
  meaning: Unmatched voucher information.
- code: S8
  meaning: Allowable PAN entries exceeded -- denial.
- code: S9
  meaning: Expiration date mismatch.
- code: SA
  meaning: Inactive card.
- code: SB
  meaning: Expiration date mismatch (card pickup).
- code: SC
  meaning: Item suspected for stop pay.
- code: SD
  meaning: Account closed.
- code: SE
  meaning: Ineligible account.
- code: SF
  meaning: Item submitted more than two times.
- code: SG
  meaning: No account on file - absolute.
- code: SH
  meaning: Unable to locate.
- code: SI
  meaning: General denial.
- code: SJ
  meaning: Item settled via ACH.
- code: SK
  meaning: Cross-reference card not found.
- code: SL
  meaning: Category limit exceeded.
- code: SM
  meaning: Transaction limit exceeded.
- code: SN
  meaning: Daily limit exceeded.
- code: SO
  meaning: Monthly limit exceeded.
- code: SP
  meaning: Invalid secret code.
- code: SQ
  meaning: PIN key sync error.
- code: SR
  meaning: Bad CVV2.
- code: SS
  meaning: Stop payment order.
- code: ST
  meaning: Revocation of authorization order.
- code: SV
  meaning: Stop reoccurring payments.
- code: T3
  meaning: Lost card (no pickup).
- code: T4
  meaning: Closed account.
- code: T5
  meaning: Dormant account.
- code: T6
  meaning: Special conditions (no pick-up).
- code: T7
  meaning: Purchase only approval for purchase with cash back transaction..
- code: T9
  meaning: Insufficient funds for fees.
- code: TA
  meaning: ARQC validation failed for chip card.
- code: TB
  meaning: Unsafe PIN.
- code: Z5
  meaning: Valid account but amount not supported.
  visa_category: 2 - Issuer cannot approve at this time
- code: ZB
  meaning: Real-Time Fraud Intelligence Decline.
  detail: Transaction was rejected by TabaPay's Real-Time Fraud Intelligence Engine.
  action: Check your Fraud Intelligence report for the ruleIDs that triggered the rejection.
- code: ZD
  meaning: MasterCard Send (MoneySend) Error due to Expiration Date.
- code: ZN
  meaning: MasterCard MoneySend Decline due to Card was Declined.
  detail: Various reasons for decline
  action: Cardholder should contact the issuing bank
- code: ZR
  meaning: MasterCard MoneySend Decline due to Unsupported Card.
  detail: BIN not supported.
  action: Email TabaPay Support at help@tabapay.com to share your request & response
- code: ZU
  meaning: MasterCard MoneySend Error due to an Unknown Reason.
  detail: Unknown
  action: Email TabaPay Support at help@tabapay.com to share your request & response
- code: ZX
  meaning: MasterCard Send (MoneySend) Decline due to an Unknown Reason.
- code: ZY
  meaning: MasterCard Send (MoneySend) Request in Unknown Status.
- code: ZZ
  meaning: MasterCard Send (MoneySend) Request in Unknown Status.
- code: 1A*
  meaning: Decline.
  detail: Additional Customer Authentication Required
- code: 6P*
  meaning: Decline.
  detail: Verification data failed
- code: B1*
  meaning: Decline.
  detail: Surcharge amount not permitted on Visa cards
- code: DA*
  meaning: Invalid Fleet
  detail: Required fleet prompts invalid or missing
- code: 5C*
  meaning: Transaction not supported/blocked by issuer. (Visa)
  visa_category: 2 - Issuer cannot approve at this time
  action: Advise the cardholder to call their issuer
- code: 9G*
  meaning: Blocked by cardholder/contact cardholder. (Visa)
  visa_category: 2 - Issuer cannot approve at this time
  action: Advise the cardholder to review their card account settings, or call their issuer