Common Visa & Mastercard raw responses

Article author
Vibrant
  • Updated

Have you experienced or want to be aware of any raw response your Vibrant app can have such as refused or cancelled transactions through Visa & Mastercard transactions? Check the list below of the most commonly encountered raw responses.  

Full List of Raw Response Codes

Type of Reaction

Response Code

Response Description

Cancelled

00: Approved or completed successfully

The transaction was canceled after being approved by the issuer. This can be due to a variety of reasons, such as a return of goods.

Refused

01: Refer to card issuer

In this case, the card issuer denied the transaction. The shopper can contact their bank for clarification and try again, or choose to use another payment method.

Refused

03: Invalid merchant

In this case, the card issuer denied the transaction. The shopper can contact their bank for clarification and try again, or choose to use another payment method.

Refused

04: Capture card / Pick-up

The card issuer requests to retain the card. The reason may be that it is suspected to be counterfeit or stolen. This issue occurs in e-commerce environments, although the POS (Point Of Sale) environment originated it.

Refused

05: Do not honor

The bank should be contacted for clarification as this is a generic refusal that may have multiple causes.

Refused

06: Error

A payment could not be authorized, resulting in an error. Customers may try again or choose another payment method.

Refused

07: Pickup card, special condition

This can occur if the card issuer suspects the card is counterfeit or stolen.

Cancelled

10: Partial approval

The transaction was canceled. Certain card issuers offer partial-approval authorization, allowing a part of the transaction to be approved but the rest to be paid with another form of tender.

Refused

12: Invalid transaction

Card issuers do not allow this type of transaction on this card/account. For example, the card is a fleet card for which this type of transaction is not permitted.

Refused

13: Invalid amount

The transaction was denied by the card issuer due to an incorrect format or field. This response is most common with Cirrus or Maestro Debit and Prepaid Cards, as well as cards that aren't permitted to make online purchases. The shopper should try again or attempt a different payment option.

Refused

14: Invalid card number

The card issuer is unable to validate the card/account number.

Refused

15: Invalid issuer

The card number is not within a card number range supported by the scheme.

Refused

19: Re-enter transaction

Applies for Visa. The transaction cannot be processed temporarily.

Refused

30: Format error

The transaction data being input are not recognized by the card issuer. This is the result of a formatting problem. The customer should double-check the transaction details and try again.

Refused

41: Lost card

The card was reported as lost. Validate the customer’s  authenticity and refer them to their bank.

Refused

43: Stolen card

The card was reported as stolen. Validate the customer’s authenticity and refer them to their bank.

Refused

46: Closed account

Applies for Visa. The account is closed. Re-validate the account number for accuracy and do not reattempt with the same PAN or token.

Refused

51: Insufficient funds/over credit limit / Not sufficient funds

Insufficient funds in the cardholder's account. The customer can try again after adding funds to their bank account, or use another payment method.

Refused

54: Expired card

The card expiration date is in the past. The customer should correct the date or use another payment method.

Refused

55: Invalid PIN

The customer  has entered an incorrect PIN. The customer should re-enter their PIN or use another payment method.

Refused

57: Transaction not permitted to issuer/cardholder

The card issuer does not permit the transaction on this card/account. The customer can use another payment method. For activation or loading of prepaid cards, the Merchant, acquirer BIN, and issuer BIN are not all domestic. An issuer's processing center is not certified to receive transaction-specific data in TLV format (field 104 in request message).

Refused

58: Transaction not permitted to acquirer/terminal

Card issuer does not permit the transaction on this card/account. The customer can use another payment method or contact their bank.

Refused

59: Suspected fraud

The card issuer suspects this payment to be fraudulent and therefore refuses. We calculate the fraud score using a wide range of predetermined criteria.

Refused

61: Exceeds withdrawal amount limit(s) / Withdrawal amount limit exceeded

The customer has exceeded their card limit. The customer can try again after resolving the issue with their bank, or use another payment method.

Refused

62: Restricted card

The card issuer has restricted where the card can be used. For example, because of embargoes.

Refused

63: Security violation

The card issuer indicated a security issue with this card. The customer can use another payment method. The customer can try again after the issue with their bank is solved.

Refused

65: Exceeds withdrawal count limit / Withdrawal count limit exceeded

The customer exceeded their card usage frequency limit. The customer  can use another payment method or try again with the same card after  the card limit issue is solved.

Refused

6P: Customer ID verification failed

Applies for Visa. Incorrect account verification (for example driving license number) related to Visa Direct. Not to be confused for cardholder verification method refusals such as CVV, for example.

Refused

65: Authentication required

Applies for Mastercard. Authentication is required for the transaction. If the transaction is in the scope of PSD2 and did not go through 3D Secure, retry with 3D Secure. This is also referred to as a "Soft Decline".

Refused

70: Contact Card Issuer

Applies for Mastercard. The card issuer indicated an issue with this card and requests contact from the customer. The customer can use another payment method. Alternatively the customer can try again after they resolve the issue with their bank.

Refused

70: PIN data required

Applies for Visa. The card issuer requests to use Secure Customer Authentication. Reattempt transaction with PIN. (European Region Only)

Refused

75: Allowable number of PIN tries exceeded

The shopper has entered an incorrect PIN more times than is allowed by the issuing bank. The customer should try again or use another payment method.

Refused

78: Invalid/nonexistent account specified (general)

The transaction is from a new cardholder, and the card has not been properly unblocked.

Refused

80: Credit issuer unavailable

The issuing bank cannot be contacted. The customer should retry or use another payment method.

Refused

82: Negative online CAM, dCVV, iCVV, CVV, or CAVV results or Offline PIN authentication interrupted

Applies for Visa. The cardholder verification method failed for CAM, dCVV, iCVV, CVV or a service code for card present transactions.

Authorized

85: No reason to decline a request for account number verification, address verification, CVV2 verification, or a credit voucher or merchandise return

Zero-value auth request authorized.

Authorized

85: Not declined (Valid for all zero amount transactions)

Zero-value auth request authorized.

Refused

86: Cannot verify PIN

Applies for Visa. The PIN cannot be validated. If applicable, the transaction can be reattempted as a non-PIN transaction.

Refused

91: Authorization Platform or issuer system inoperative / Issuer not available

The issuing bank cannot be contacted. The customer should try again or use another payment method.

Error

91: Issuer unavailable or switch inoperative

The issuer or issuer processor cannot authorize, for example because of downtime.

Refused

92: Destination cannot be found for routing / Unable to route transaction

The customer is using a test card number on live. The customer should use another payment method.

Refused

93: Transaction cannot be completed; violation of law

The issuing bank will not allow this transaction. The customer should use another payment method.

Refused

96: System malfunction

The issuing bank cannot be contacted. The customer should retry or use another payment method.

Refused

1A: Authentication Required

Applies for Visa. Authentication is required for the transaction. If the transaction is in scope of PSD2 and did not go through 3D Secure, retry with 3D Secure. This is also referred to as a "Soft Decline".

Refused

R0: Stop payment order

Applies for Visa. The cardholder requested to stop a specific, single recurring payment transaction. Contact the customer regarding cancellation of this transaction.

Refused

R1: Revocation of authorization order

Applies for Visa. The cardholder requested to stop all recurring payment transactions. Contact the customer regarding cancellation of all transactions.

Refused

R3: Revocation of all authorization orders

Applies for Visa. All recurring payments have been cancelled for the card number in the request. Contact the customer regarding cancellation of all transactions.

Refused

Z1: Offline-declined

Applies for Visa. Only used in non-cardholder requests such as advice.

Refused

Z3: Unable to go online; offline-declined

Applies for Visa. Only used in non-cardholder requests such as advice.

Was this article helpful?

0 out of 0 found this helpful

Have more questions? Submit a request