Credit card Issuer Response Codes – Here’s Complete List

During credit card authorization, the card brand associations (Visa, Master Card, Amex, Maestro etc.) send back response codes. These codes you can call as issuer response code. Each response code has its meaning. Here is complete list. Also Read | 5 The Best Credit Cards domain Knowledge books

Credit Card Auth Issuer Response Codes

Code	Response Reason	Code	Response Reason
0	Approved	54	Expired Card
1	Refer to Card Issuer	55	Incorrect PIN
2	Refer to Issuer’s special conditions	56	No Card Record
3	Invalid Merchant	57	Trans. not Permitted to Cardholder
4	Pick Up Card	58	Transaction not Permitted to Terminal
5	Do Not Honor	59	Suspected Fraud
6	Error	60	Card Acceptor Contact Acquirer
7	Pick Up Card, Special Conditions	61	Exceeds Withdrawal Amount Limits
8	Honor with identification	62	Restricted Card
9	Request in Progress	63	Security Violation
10	Partial Amount Approved	64	Original Amount Incorrect
11	VIP Approval	65	Exceeds Withdrawal Frequency Limit
12	Invalid Transaction	66	Card Acceptor Call Acquirer Security
13	Invalid Amount	67	Hard Capture – Pick Up Card at ATM
14	Invalid Card Number	68	Response Received Too Late
15	No Such Issuer	75	Allowable PIN Tries Exceeded
16	Approved, update track 3	76	Previous message not found
17	Customer Cancellation	77	Data does not match original message
18	Customer Dispute	80	Invalid Date
19	Re-enter Transaction	81	Cryptographic failure
20	Invalid Response	82	Incorrect CVV
21	No Action Taken (no match)	83	Unable to verify PIN
22	Suspected Malfunction	84	Invalid authorization life cycle
23	Unacceptable Transaction Fee	85	No reason to decline
24	File Update not Supported by Receiver	86	ATM Malfunction
25	Unable to Locate Record on File	87	No Envelope Inserted
26	Duplicate File Update Record	88	Unable to Dispense
27	File Update Field Edit Error	89	Administration Error
28	File Update File Locked Out	90	Cut-off in Progress
29	File Update not Successful	91	Issuer or Switch is Inoperative
30	Format Error	92	Financial Institution Not Found
31	Bank not Supported by Switch	93	Trans Cannot be Completed
32	Completed Partially	94	Duplicate Transmission
33	Expired Card – Pick Up	95	Reconcile Error
34	Suspected Fraud – Pick Up	96	System Malfunction
35	Contact Acquirer – Pick Up	97	Reconciliation Totals Reset
36	Restricted Card – Pick Up	98	MAC Error
37	Call Acquirer Security – Pick Up	99	Reserved for National Use
38	Allowable PIN Tries Exceeded	N0	Force STIP (VISA)
39	No CREDIT Account	N3	Cash Service Not Available (VISA)
40	Requested Function not Supported	N4	Cash request exceeds issuer limit (VISA)
41	Lost Card – Pick Up	N7	Decline for CVV2 failure (VISA)
42	No Universal Amount	P2	Invalid biller information (VISA)
43	Stolen Card – Pick Up	P5	PIN Change Unblock Declined (VISA)
44	No Investment Account	P6	Unsafe PIN (VISA)
51	Insufficient Funds	XA	Forward to issuer
52	No Cheque Account	‘XD’	Forward to issuer
53	No Savings Account