Raw responses

When a card scheme or issuer declines a transaction, they send us a raw response to explain why. This is also known as the "raw acquirer response".

The many raw responses are slightly different between schemes and are subject to change. For that reason, we map raw responses for failed transactions to a combination of a resultCode field with a value of Refused or Cancelled, and a refusalReason field explaining why the transaction did not succeed.

If you want to receive the raw response in your API responses as well, you can enable that in your Customer Area.

On this page, we describe the most common raw responses related to refused or canceled transactions. In the tables, Journal type refers to payment details in your Customer Area.

Requirements

Requirement Description Integration type An online payments integration. Setup steps Before you begin, in your Customer Area enable receiving raw responses.

Recommendations

Take the following recommendations into account with regard to handling raw responses.

Receive raw responses

If you want to receive the raw response for declined transactions:

  1. Log in to your Customer Area and switch to your merchant account.
  2. Go to Developers > Additional data.
  3. Select the Raw acquirer result checkbox.
  4. Select Save configuration.

When a payment request is declined, the additionalData of the response now includes:

Note that we would map the raw response from this example to refusalReason Not enough balance and resultCode Refused.

Visa and Mastercard raw responses

These are the most common raw responses from Visa and Mastercard for refused or canceled transactions.

Journal type refusalReasonRaw Description Authorised 00: Approved or completed successfully The transaction was canceled after being initially approved by the issuer. This can be due to various reasons, for example, if the shopper returns goods after purchase. Refused 01: Refer to card issuer The transaction was refused by the card issuer. The shopper should contact their bank for clarification. The shopper can try again after resolving the issue with their bank, or use another payment method. Refused 03: Invalid merchant The transaction was refused by the card issuer. The shopper should contact their bank for clarification. The shopper can try again after resolving the issue with their bank, or use another payment method. Refused 04: Pickup card The card issuer requests to retain the card. This can be due to a suspected counterfeit or stolen card. This reason is used in an ecommerce environment although it originates from an in-person payments environment. Refused 05: Do not honor This is a generic refusal that has several possible causes. The shopper should contact their issuing bank for clarification. Error 06: Error Payment could not be authorized and resulted in an error. The shopper can try again or use another payment method. Refused 07: Pickup card, special conditions The card issuer requests to retain the card. This can be due to a suspected counterfeit or stolen card. Cancelled 10: Partial approval The transaction was canceled. Some card issuers support partial-approval authorization. This approves a part of the requested transaction, leaving the remainder to be paid with another form of tender. Refused 12: Invalid transaction The card issuer does 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 card issuer has declined the transaction because of an invalid format or field. This response usually occurs with Cirrus or Maestro Debit and Prepaid Cards or cards that are not allowed to do online purchases. The shopper should try again or use another payment method. Refused 14: Invalid Account Number (No such Number) The card issuer is unable to validate the card/account number. Refused 15: No such issuer The card number is not within a card number range supported by the scheme. Refused 19: Re-enter transaction Applies to Visa. The transaction cannot be processed temporarily. Error 30: Format error The card issuer does not recognize the transaction details being entered. This is due to a format error. The shopper should check the transaction information and try again. Refused 41: Pickup card (lost card) The card was reported as lost. Validate the shopper's authenticity and refer them to their bank. Refused 43: Pickup card (stolen card) The card was reported as stolen. Validate the shopper's authenticity and refer them to their bank. Refused 46: Closed Account Applies to 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 shopper 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 shopper should correct the date or use another payment method. Refused 55: Invalid PIN The shopper has entered an incorrect PIN. The shopper should re-enter their PIN or use another payment method. Refused 57: Transaction not permitted to cardholder The card issuer does not permit the transaction on this card/account. The shopper can use another payment method. For activation or loading of prepaid cards, the Merchant, acquirer BIN, and issuer BIN are not all domestic. Refused 58: Transaction not permitted to acquirer/terminal Card issuer does not permit the transaction on this card/account. Shopper can use another payment method or contact their bank. Refused 59: Suspected fraud The transaction is refused because the card issuer suspects this payment to be fraudulent. Refused 61: Exceeds withdrawal amount limit(s) / Withdrawal amount limit exceeded The shopper has exceeded their card limit. The shopper 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 shopper can use another payment method. Alternatively, the shopper can try again after they resolved the issue with their bank. Refused 65: Exceeds withdrawal count limit / Withdrawal count limit exceeded The shopper has exceeded their card usage frequency limit. The shopper can use another payment method or try again with the same card after the shopper took care of the card limit issue. Refused 6P: Customer ID verification failed Applies to 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 to Mastercard. Authentication is required for the transaction. If the transaction is in scope of PSD2 and did not go through 3D Secure, try again with 3D Secure. This is also referred to as a "Soft Decline". Refused 70: Contact Card Issuer Applies to Mastercard. The card issuer indicated an issue with this card and requests contact from the shopper. The shopper can use another payment method. Alternatively the shopper can try again after they resolved the issue with their bank. Refused 70: PIN data required Applies to 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 shopper 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 79: Life Cycle Applies to Mastercard. The transaction is refused due to invalid card data. View the Merchant Advice Code for follow-up action. Refused 80: Credit issuer unavailable The issuing bank cannot be contacted. The shopper should try again or use another payment method. Refused 82: Policy Applies to Mastercard. The transaction is refused due to a policy reason. View the Merchant Advice Code for follow-up action. Refused 82: Negative online CAM, dCVV, iCVV, CVV, or CAVV results or Offline PIN authentication interrupted Applies to Visa. The cardholder verification method failed for CAM, dCVV, iCVV, CVV or a service code for card present transactions. Refused 83: Fraud / Security Applies to Mastercard. The transaction is refused because the card issuer suspects this payment to be fraudulent. View the Merchant Advice Code for follow-up action. Authorised 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. Authorised 85: Not declined (Valid for all zero amount transactions) Zero-value auth request authorized. Refused 86: Cannot verify PIN Applies to 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 shopper 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 shopper is using a test card number on live. The shopper should use another payment method. Refused 93: Transaction cannot be completed; violation of law The issuing bank will not allow this transaction. The shopper should use another payment method. Refused 96: System malfunction The issuing bank cannot be contacted. The shopper should try again or use another payment method. Refused 1A: Authentication Required Applies to Visa. Authentication is required for the transaction. If the transaction is in scope of PSD2 and did not go through 3D Secure, try again with 3D Secure. This is also referred to as a "Soft Decline". Refused 5C: Transaction not supported/blocked by issuer Applies to Visa. The transaction was refused by the card issuer. The shopper can contact their bank or try with a different payment method. Refused 9G: Blocked by cardholder/contact cardholder Applies to Visa. The cardholder blocked this card. Ask the cardholder to use another payment method. Refused R0: Stop payment order Applies to Visa. The cardholder requested to stop a specific, single recurring payment transaction. Contact the shopper regarding cancellation of this transaction. Refused R1: Revocation of authorization order Applies to Visa. The cardholder requested to stop all recurring payment transactions. Contact the shopper regarding cancellation of all transactions. Refused R3: Revocation of all authorization Applies to Visa. All recurring payments have been canceled for the card number in the request. Contact the shopper regarding cancellation of all transactions. Refused Z1: Offline-declined Applies to Visa. Only used in non-cardholder requests such as advice. Refused Z3: Unable to go online; offline-declined Applies to Visa. Only used in non-cardholder requests such as advice. Error N3: Cash service not available Reserved for private use or Maximum online refund reached Error N4: Cash request exceeds issuer limit Reserved for private use or Maximum offline refund reached Declined N7: Decline for CVV2 failure Reserved for private use or Customer selected negative file reason

Adyen for Platforms raw responses

Besides the issuer or card scheme, Adyen can also refuse a transaction if it fails a validation check in your balance platform.

Journal type refusalReasonRaw Description Refused 010: Insufficient funds in the source balance account The transaction was refused by Adyen because there are insufficient funds in the balance account. Refused 100 : Account holder misses required capabilities The transaction was refused by Adyen because the account holder does not have the required capabilities. Refused 101 : Account holder is not active The transaction was refused by Adyen because the account holder is not in active status. Refused 111 : Balance account is not active The transaction was refused by Adyen because the balance account is not in active status. Refused 121: Balance platform is not active The transaction was refused by Adyen because your balance platform is not in Active status. Error 999: Unknown error The transaction was refused by Adyen for unknown reasons.

Afterpay raw responses

Journal type Raw Acquirer Response Description Refused DECLINED : Payment rejected (402) Afterpay declined the payment. Error No response from ACM Afterpay did not respond within 30 seconds which resulted in a timeout. Error 500: Internal Error AfterPay had an internal error. The shopper needs to try again later. Refused INVALID_AMOUNT The transaction amount is above or below the limit for Afterpay.

Alipay raw responses

Journal type Response Description sentForSettle / SettledScheduled / settledExternally trade_status=TRADE_FINISHED The payment was successfully completed and you can expect to receive the funds. Refused Field 'currency' is not valid. Reason: The provided currency is not supported. The currency sent in the request does not match the country code. For example, sending EUR for Norway; the currency should be NOK.See supported currencies at adyen.com. Refused Payment details are not supported for this combination of country/region and MCC The acquirer's risk rules blocked this transaction. There is usually a non-compliance issue in the payment details. Refused 422: Invalid shopper interaction The payment request includes the wrong shopperInteraction. For example, an Ecommerce merchant account sent a request with shopperInteraction: POS.Contact our Support Team. Refused trade_status=WAIT_BUYER_PAY The shopper did not authorize the payment. The authorized funds were refunded and the offer was closed because the Adyen terminal did not receive the authorization notification. Refused Shopper cancelled during PIN entry The shopper did not enter their PIN. Refused Merchant cancelled For Alipay, this refusal only occurs for POS transactions. Usually, the merchant cancels the transaction before it completes, or refunds the transaction before it is captured. Refused (NOT_SUPPORT_PAYMENT_INST) The shopper is using a version of Alipay Wallet that is not supported. Make sure that payment_inst is set to Alipay_HK, and prompt the shopper to use the correct wallet. Refused TRADE_NOT_EXIST For online transactions, the shopper did not open the Alipay app from the payment URL, or did not log in to the Alipay website.For POS transactions, this refusal occurs when the merchant's MA Registration Number (RegNum) is missing. Contact our Support Team. Error SYSTEM_ERROR : Alipay system is currently not available, please try again later. The Alipay system is currently not available. Ask the shopper to try again later. Error ILLEGAL_SIGN There is a technical issue with your configuration. Contact Alipay Support. Error ACCESS_FORBIDDEN There is a technical issue with your configuration. Contact our Support Team. RefundFailed MERCHANT_BALANCE_NOT_ENOUGH There is a technical issue with the refund. Try again between 21:00-23:00 SGT. RefundFailed PURCHASE_TRADE_NOT_EXIST The transaction you’re attempting to refund does not exist, or does not include a PSP reference. Check the request parameters to ensure you’re sending a referenced refund. RefundFailed ILLEGAL_ARGUMENT The API request includes an incorrect parameter. Check your request parameters according to Alipay's API specification. RefundFailed RETURN_AMOUNT_EXCEED The total refund amount exceeds the transaction amount. Check that the amount is correct. RefundFailed ISSUER_OR_SWITCH_INOPERATIVE The issuer or issuer processor temporarily cannot authorize, usually because of downtime. Try again later. RefundFailed 40 : Requested function not supported The card issuer declined the transaction. This is sometimes caused by the issuer placing a hold on the shopper's card.

AlipayHK raw responses

Journal type Response Description RefundFailed SYSTEM_EXCEPTION Alipay system error. Retry after a few seconds.

American Express raw responses

These are the most common raw responses from American Express for refused or canceled transactions.

Journal type refusalReasonRaw Description Cancelled 000: Approved The transaction was canceled after being initially approved by the issuer. This can be due to various reasons, for example, if the shopper returns goods after purchase. Cancelled 001: Approve with ID The transaction was canceled after the issuer requested that identification be established through telephone contact between the acquiring center's authorizer and the merchant. Cancelled 002: Prepaid Card Partial Authorization Transaction was canceled. Some card issuers support partial-approval authorization. This approves a part of the requested transaction, leaving the remainder to be paid with another form of tender. Refused 100: Deny This is a generic refusal that can have several possible reasons. Shopper should contact their issuing bank for clarification. Refused 101: Expired Card / Invalid Expiration Date The card expiration date is in the past. The shopper should correct the date or use another payment method. Refused 106: PIN tries exceeded The shopper has entered an incorrect PIN more times than is allowed by the issuing bank. The shopper should try again or use another payment method. Refused 109: Invalid merchant The transaction was refused by the card issuer. The shopper should contact their bank for clarification. The shopper can try again after resolving the issue with their bank, or use another payment method. Refused 110: Invalid amount The transaction amount was specified in an invalid format. For example, an invalid character such as a dollar sign or a space was used. The shopper should correct or use another payment method. Refused 111: Invalid account The card issuer is unable to validate the card/account number, possibly because an invalid character was used. Refused 115: Requested function not supported The card issuer does not allow this type of transaction on this card/account. Refused 117: Incorrect PIN The shopper entered an invalid PIN. The shopper should try again or use another payment method. Refused 119: Transaction not permitted to Cardmember The card issuer doesn't permit the transaction on this card/account. The shopper can use another payment method. Refused 122: Invalid Keyed Printed Card Security Code (PCSC) The card issuer indicated a security issue with this card. The shopper can use another payment method. Alternatively, the shopper can try again after they resolved the issue with their bank. Refused 125: Invalid Effective Date on Card The card expiration date provided is not a valid date format. The shopper should correct or use another payment method. Refused 130: Additional customer identification required Authentication is required for the transaction. If the transaction is in scope of PSD2 and did not go through 3D Secure, try again with 3D Secure. This is also referred to as a "Soft Decline". Refused 181: Format error The card issuer does not recognize the transaction details being entered. This is due to a format error. The shopper should check the transaction information and try again. Refused 183: Invalid Currency Code The currency code provided doesn't comply with standards. Refused 187: Deny New Card Issued The card issuer supplied the cardholder with a new card. The shopper should try again with the new card, or use another payment method Refused 189: Deny Canceled or Closed Card Acceptor The merchant has stopped operations or is no longer accepting cards from this card scheme. Refused 200: Deny pick up Card The card issuer requests to retain the card. This can be due to a suspected counterfeit or stolen card. Refused 900: Advice accepted The ExpressPay issuer is unable to respond to an ATC Synchronization Authorization Request. Refused 911: Card Issuer timed out The issuing bank cannot be contacted. The shopper should try again or use another payment method. Refused 912: Host unavailable The issuing bank cannot be contacted. The shopper should try again or use another payment method.

BLIK raw responses

Journal type Response Description Refused ER_WRONG_TICKET The BLIK code did not match any code generated within the last 180 seconds. Ask the shopper to try again and to check that they are using a valid code. Refused ER_TIC_USED The BLIK code was already used within the last 180 seconds. Refused ER_TIC_EXPIRED The BLIK code has expired. Refused TIMEOUT Timeout in communication with the mobile banking app or the issuer’s system. Refused USER_TIMEOUT The shopper did not confirm the transaction in the mobile banking app within the time limit. Refused LIMIT_EXCEEDED The shopper’s transaction limit is exceeded. The banking mobile app should direct the shopper to change the limit. Refused USER_DECLINED The shopper declined the transaction in the mobile app. Refused AM_TIMEOUT Timeout in communication with the mobile app. Refused INSUFFICIENT_FUNDS Insufficient funds in the shopper’s bank account. The mobile app should display the reason and direct the shopper to change the limit. Error NO_RESPONSE_WITHIN_TIMEOUT Adyen did not receive a response from BLIK within the time limit.

Diners

Response Code Description 100 Do not honor 101 Expired card 102 Suspected fraud (account not on positive file) 103 Customer authentication required 104 Restricted card 106 Allowable pin tries exceeded 109 Invalid merchant 110 Invalid amount 111 Invalid card number 115 Requested function not supported 117 Incorrect pin 118 Cycle range suspended 119 Transaction not permitted to cardholder 120 Transaction not permitted to originator 122 Card validity period exceeded 124 Violation of law 125 Card not effective 129 Suspected counterfeit card 140 Off-line declined—merchant forced acceptance 141 Unable to go on line, off-line declined—merchant forced acceptance 163 Security violations 181 Decline given by POS participant (adjustment) 182 Decline given by issuer 183 Domain restriction control failure 184 Decline given by Xpress, no communication with issuer 185 Decline given by Xpress, card is local use only 188 Xpress unable to forward request to issuer X 192 Restricted merchant 194 PIN change or unblock failed (EMV only) 195 New PIN not accepted (EMV only) 196 Chip information advice (EMV only) 197 Card account verification failed 198 TVR or CVR validation failed

Discover

Response Code Response Description Required Action 00 Approved or completed successfully Approve 01 Reserved for future use Reserved 02 Reserved for future use Reserved 03 Invalid merchant Decline 04 Capture card Decline 05 Do not honor Decline 07 Pick-up card, special condition Decline 08 Reserved for future use Reserved 10 Approved for partial amount Approve 11 Approved Approve 12 Invalid transaction Decline 13 Invalid amount Decline 14 Invalid card number Decline 15 Reserved for future use Reserved 19 Re-enter transaction Decline 30 Format error Decline 31 Bank not supported by switch Decline 33 Reserved for future use Reserved 34 Reserved for Future use Reserved 35 Reserved for future use Reserved 36 Reserved for future use Reserved 37 Reserved for future use Reserved 38 Allowable PIN tries exceeded Decline 39 No credit account Decline 40 Requested function not supported Decline 41 Lost card Decline 43 Stolen card Decline 51 Decline Decline 53 No savings account Decline 54 Expired card Decline 55 Invalid PIN Decline 56 No card record Decline 57 Transaction not permitted to issuer/cardholder Decline 58 Transaction not permitted to acquirer/terminal Decline 59 Suspected fraud Decline 60 Card acceptor contact acquirer Decline 61 Exceeds withdrawal amount limit Decline 62 Restricted card Decline 63 Security violation Decline 64 Original amount incorrect Decline 65 Exceeds withdrawal count limit Decline 66 Card Acceptor call acquirer’s security dept Decline 67 Hard capture (requires ATM pick-up) Decline 68 Response received too late Decline 75 Allowable number of PIN tries exceeded Decline 76 Invalid/nonexistent "to" account specified Decline 77 Invalid/nonexistent "from" account specified Decline 78 Invalid/nonexistent account specified (general) Decline 83 Domain restriction controls failure Decline 85 No reason to decline This Response Code is only applicable to Process Code 18, Card Account Verification, 0110 Authorization Response Message. 87 Network unavailable Decline 91 Authorization system or issuer system inoperative Decline 92 Unable to route transaction Decline 93 Transaction cannot be completed, violation of law Decline 94 Duplicate transmission detected Decline 96 System malfunction Decline 1A Customer authentication required Decline N1 System up The system is up. The messages can be routed through this connection. N2 Soft down The system is soft down. This means that the system is available but messages should only be routed through this connection as a last resort. If multiple connections are available, messages should be sent to the connections that are up and available. If all connections are in a soft down state, the Messages should be routed in the same fashion as if all connections are up and available. N3 System down The system is down. No messages should be routed through this connection. An N3 is normally sent when the connection is being closed due to system maintenance. N7 Decline for AVS or CID mismatch This Response Code is only applicable to Host Capture Authorizations. P5 PIN change/unblock failed Decline P6 New PIN not accepted Decline

GoPay

Error Code Description 201 Insufficient Balance. (HTTP 400) 112 User Blocked. (HTTP 400) 3007 Order not found. (HTTP 404) 5003 Link not found. (HTTP 400) 5002 Invalid authorisation action. (HTTP 400) 900 Your request cannot be processed. (HTTP 500) 1604 OTP is invalid. (HTTP 400) 11007 Payment Provider Account Blocked. (HTTP 400) 4060 Fraud validation error. (HTTP 403) 11009 (HTTP 400) 2005 Refund under process. Please try again later. (HTTP 400) 1610 OTP is expired. (HTTP 429) 2001 Refund amount exceeds original transaction amount. (HTTP 400) 6311 Challenge Id Expired or Invalid. (HTTP 400) 159 Payment option not found. (HTTP 422) 153 The token is invalid for the payment. (HTTP 422) 202 Excessive balance. (HTTP 422) 310 Malformed data. (HTTP 400) 1609 Too many OTP requests. (HTTP 429)

Grabpay raw responses

Journal type Response Description Canceled consent_required : Shopper Canceled the payment before completion The shopper’s wallet only contains SGD currency, but is trying to pay in MYR. Grabpay cancels the transaction and prompts the shopper to top up their wallet. Refused insufficient_balance : Shopper insufficient balance in wallet The shopper did not have the funds to cover this transaction.Ask the shopper to top up their wallet or try another payment method. Refused confirm_failed : Customer Limits Exceeded/KYC check failed The shopper has exceeded the balance limits of their wallet. Grabpay imposes lower limits on "basic users" who have not completed the KYC of their wallet. Refused server_error : GrabPay Server Error Generic error returned by GrabPay during the redirectIf you do not have a direct contract with Adyen, contact GrabPay directly. If you have a direct contract with Adyen, contact our Support Team. Error "{""devMessage"":""Bad Input."",""arg"":""Missing value for item0Pricen""}" You did not specify the item price for the invoice line item. The value for amountIncludingTax must be greater than 0. Refused Customer has not completed KYC of wallet The shopper's GrabPay wallet was not activated (not KYC-ed or no has balance), or the shopper attempted to bind their card or bank account to their wallet but was unsuccessful. Refused invalid_request : GrabPay Server Error Adyen couldn’t establish a connection to GrabPay to either send the request or receive a response.Retry the payment request. If the issue continues, contact our Support Team. Error CONVERTER_RESPONSE Adyen couldn’t interpret the acquirer’s response.Retry the payment request. If the issue continues, contact our Support Team. Error NO_RESPONSE_WITHIN_TIMEOUT The acquirer did not return a response within the 30 seconds time limit.Retry the payment request. If the issue continues, contact our Support Team. Refused Customer has not completed initial top up of wallet There are no funds in the shopper's wallet. Ask the shopper to top up their wallet. Refused kyc_compliance_decline : kyc_compliance_decline The shopper hasn’t completed the KYC verification process. Ask the shopper to complete the KYC process to activate their wallet, and to try the payment again. RefundFailed merchant_insufficient_balance Your account balance is insufficient. This can happen if your funds have just been settled from GrabPay to Adyen. Processed additional volume with GrabPay and set up a reserve with Grabpay. RefundFailed pending_approval The Grabpay system is processing modifications on the transaction. Wait for these modifications to complete, then try again.

Japanese issuer error codes

Error codes from Japanese issuers often provide more insight than acquirer responses. When shoppers in Japan encounter a payment error, it is common for them to call their issuer to retry the transaction. When the issuer provides an error, the additionalData object in the payment response contains the following fields:

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