issuerInformation. responseCode

For
FDC Nashville Global
card-not-present transactions, the raw decline code received from the card association.
For card-present transactions, the additional authorization code that must be printed on the receipt when returned by the processor. This field can be used to identify when to retry authorization for a declined transaction and increase successful transaction volumes.
This value is generated by the processor.
This field is available for card-present and card-not-present transactions for all card brands on
.
These processors are supported for card-not-present transactions:
  • FDC Nashville Global
  • HSBC
These processors are supported for card-present transactions:
  • FDC Nashville Global
  • SIX
IMPORTANT
For
FDC Nashville Global
, this field is used in conjunction with
processorInformation.merchantAdvice.code
for Visa and Mastercard. See processorInformation. merchantAdvice.code to determine whether to retry a declined transaction. Retrying on a transaction with a value in this field which prohibits retries can incur a penalty from card companies.
IMPORTANT
SIX
is currently not receiving Association/Issuer response codes. It receives an additional authorization code printed on the receipt when returned by the processor.

Possible Values

Association response codes are returned for the following card types.
FDC Nashville Global
and
HSBC
Visa:
  • 000
    : Successful approval/completion or that V.I.P. PIN verification is successful
  • 001
    : Refer to card issuer
  • 002
    : Refer to card issuer, special condition
  • 003
    : Invalid merchant or service provider
  • 004
    : Pickup card
  • 005
    : Do not honor
  • 006
    : Error
  • 007
    : Pickup card, special condition (other than lost/stolen card)
  • 010
    : Partial approval
  • 011
    : V.I.P. approval
  • 012
    : Invalid transaction
  • 013
    : Invalid amount (currency conversion field overflow); or amount exceeds maximum for card program
  • 014
    : Invalid account number (no such number)
  • 015
    : No such issuer
  • 019
    : Re-enter transaction
  • 021
    : No action taken (unable to back out prior transaction)
  • 025
    : Unable to locate record in file, or account number is missing from the inquiry
  • 028
    : File is temporarily unavailable
  • 039
    : No credit account
  • 041
    : Pickup card (lost card)
  • 043
    : Pickup card (stolen card)
  • 046
    : Closed account
  • 051
    : Insufficient funds
  • 052
    : No checking account
  • 053
    : No savings account
  • 054
    : Expired card
  • 055
    : Incorrect PIN
  • 057
    : Transaction not permitted to cardholder
  • 058
    : Transaction not allowed at terminal
  • 059
    : Suspected fraud
  • 061
    : Exceeds approval amount limit
  • 062
    : Restricted card (for example, in Country Exclusion table)
  • 063
    : Security violation
  • 064
    : Transaction does not fulfill AML requirement
  • 065
    : Exceeds withdrawal frequency limit
  • 070
    : PIN data required
  • 075
    : Allowable number of PIN-entry tries exceeded
  • 076
    : Unable to locate previous message (no match on retrieval reference number)
  • 077
    : Previous message located for a repeat or reversal, but repeat or reversal data inconsistent with original message
  • 078
    : “Blocked, first used”—Transaction from new cardholder, and card not properly unblocked
  • 079
    : Transaction reversed
  • 080
    : Visa transactions: credit issuer unavailable. Private label: invalid date
  • 081
    : PIN cryptographic error found (error found by VIC security module during PIN decryption)
  • 082
    : Negative Online CAM, dCVV, iCVV, or CVV results Or Offline PIN authentication interrupted
  • 06P
    : Verification data failed
  • 085
    : No reason to decline request for account number verification, address verification, CVV2 verification, or credit voucher or merchandise return
  • 086
    : Cannot verify
  • 091
    : Issuer unavailable or switch inoperative (STIP not applicable or available for this transaction). Issuers can respond with this code, which V.I.P. passes to the acquirer without invoking stand-in processing (STIP). Issuer processors use the code to indicate they cannot perform authorization on issuers’ behalf. Code causes decline at POS.
  • 092
    : Financial institution or intermediate network facility cannot be found for routing
  • 093
    : Transaction cannot be completed; violation of law
  • 094
    : Duplicate transaction. Transaction submitted containing values in tracing data fields that duplicate values in a previous transaction.
  • 096
    : System malfunction; System malfunction or certain field error conditions
  • 01A
    : Additional customer authentication required
  • 0B1
    : Surcharge amount not permitted on Visa cards (U.S. acquirers only)
  • 0N0
    : Force STIP
  • 0N3
    : Cash service not available
  • 0N4
    : Cashback request exceeds issuer limit
  • 0N7
    : Decline for CVV2 failure
  • 0N8
    : Transaction amount exceeds pre-authorized approval amount
  • 0P2
    : Invalid biller information
  • 0P5
    : PIN Change/Unblock request declined
  • 0P6
    : Unsafe PIN
  • 0Q1
    : Card authentication failed Or Offline PIN authentication interrupted
  • 0R0
    : Stop payment order
  • 0R1
    : Revocation of authorization order
  • 0R3
    : Revocation of all authorizations order
  • 0Z3
    : Unable to go online; declined
  • 0XA
    : Forward to issuer
  • 0XD
    : Forward to issuer
Mastercard:
  • 000
    : Approved or completed successfully
  • 001
    : Refer to card issuer
  • 003
    : Invalid merchant
  • 004
    : Capture card
  • 005
    : Do not honor
  • 006
    : Error
  • 008
    : Honor with ID
  • 010
    : Partial approval
  • 012
    : Invalid transaction
  • 013
    : Invalid amount
  • 014
    : Invalid card number
  • 015
    : Invalid issuer
  • 017
    : Customer cancellation
  • 025
    : Unable to locate record on file (no action taken)
  • 026
    : Record not in active status
  • 027
    : Issuer file update field edit error
  • 028
    : Record permanently deleted
  • 029
    : Delete request less than 540 days
  • 030
    : Format error
  • 032
    : Partial reversal
  • 034
    : Suspect Fraud
  • 040
    : Requested function not supported
  • 041
    : Lost card
  • 043
    : Stolen card
  • 051
    : Insufficient funds/over credit limit
  • 054
    : Expired card
  • 055
    : Invalid PIN
  • 057
    : Transaction not permitted to issuer/cardholder
  • 058
    : Transaction not permitted to acquirer/terminal
  • 061
    : Exceeds withdrawal amount limit
  • 062
    : Restricted card
  • 063
    : Security violation
  • 065
    : Exceeds withdrawal count limit OR Identity Check Soft-Decline of EMV 3DS Authentication (merchant should resubmit authentication with 3DSv1)
  • 068
    : Response received late
  • 070
    : Contact card issuer
  • 071
    : PIN not changed
  • 075
    : Allowable number of PIN tries exceeded
  • 076
    : Invalid/nonexistent "To Account" specified
  • 077
    : Invalid/nonexistent "From Account" specified
  • 078
    : Invalid/nonexistent account specified (general)
  • 079
    : Life cycle
  • 080
    : Duplicate add, action not performed
  • 081
    : Domestic debit transaction not allowed (Regional use only)
  • 082
    : Policy
  • 083
    : Fraud/Security
  • 084
    : Invalid authorization life cycle
  • 085
    : Not declined Valid for all zero amount transactions
  • 086
    : PIN validation not possible
  • 087
    : Purchase amount only, no cash back allowed
  • 088
    : Cryptographic failure
  • 089
    : Unacceptable PIN - Transaction declined - Retry
  • 091
    : Authorization platform or issuer system inoperative
  • 092
    : Unable to route transaction
  • 094
    : Duplicate transmission detected
  • 096
    : System error
American Express
  • 000
    : Approved
  • 001
    : Approve with ID
  • 002
    : Partial Approval (Prepaid Cards only)
  • 100
    : Deny
  • 101
    : Expired Card/Invalid Expiration Date
  • 106
    : Exceeded PIN attempts
  • 107
    : Please call issuer
  • 109
    : Invalid merchant
  • 110
    : Invalid amount
  • 111
    : Invalid account/Invalid MICR (Travelers Cheque)
  • 115
    : Requested function not supported
  • 116
    : Not sufficient funds
  • 117
    : Invalid PIN
  • 119
    : Card member not enrolled/not permitted
  • 121
    : Limit exceeded
  • 122
    : Invalid card security code (a.k.a, CID, 4DBC, 4CSC)
  • 125
    : Invalid effective date
  • 130
    : Additional customer identification required
  • 181
    : Format error
  • 183
    : Invalid currency code
  • 187
    : Deny - New card issued
  • 189
    : Deny - Canceled or Closed merchant/SE
  • 193
    : Invalid country code
  • 200
    : Deny - Pick up card
  • 400
    : Reversal accepted
  • 900
    : Accepted - ATC Synchronization
  • 909
    : System malfunction (Cryptographic error)
  • 912
    : Issuer not available
Discover:
  • 000
    : Approved or completed successfully
  • 001
    : Reserved for future USE
  • 002
    : Reserved for future USE
  • 003
    : Invalid merchant
  • 004
    : Capture card
  • 005
    : Do not honor
  • 007
    : Pick-up card, special condition
  • 008
    : Reserved for future USE
  • 010
    : Approved for partial amount
  • 011
    : Approved
  • 012
    : Invalid transaction
  • 013
    : Invalid amount
  • 014
    : Invalid card number
  • 015
    : Reserved for future USE
  • 019
    : Re-enter transaction
  • 030
    : Format error
  • 031
    : Bank not supported by switch
  • 033
    : Reserved for future USE
  • 034
    : Reserved for future USE
  • 035
    : Reserved for future USE
  • 036
    : Reserved for future USE
  • 037
    : Reserved for future USE
  • 038
    : Allowable PIN tries exceeded
  • 039
    : No credit account
  • 040
    : Requested function not supported
  • 041
    : Lost card
  • 043
    : Stolen card
  • 051
    : Decline
  • 053
    : No savings account
  • 054
    : Expired card
  • 055
    : Invalid PIN
  • 056
    : No card record
  • 057
    : Transaction not permitted to issuer/cardholder
  • 058
    : Transacton not permitted to acquirer/terminal
  • 059
    : Suspected fraud
  • 060
    : Card acceptor contact acquirer
  • 061
    : Exceeds withdrawal amount limit
  • 062
    : Restricted card
  • 063
    : Security violation
  • 064
    : Original amount incorrect
  • 065
    : Exceeds withdrawal count limit
  • 066
    : Card acceptor call acquirer's security dept
  • 067
    : Hard capture (requires ATM pick-up)
  • 068
    : Response received too late
  • 075
    : Allowable number of PIN tries exceeded
  • 076
    : Invalid/nonexistent "to" account specified
  • 077
    : Invalid/nonexistent "from" account specified
  • 078
    : Invalid/nonexistent account specified (general)
  • 083
    : Domain restriction controls failure
  • 085
    : No reason to decline
  • 087
    : Network unavailable
  • 091
    : Authorization system or Issuer system inoperative
  • 092
    : Unable to route transaction
  • 093
    : Transaction cannot be completed, violation of law
  • 094
    : Duplicate transmission detected
  • 096
    : System malfunction
  • 01A
    : Customer authentication required (Decline)
  • 0N1
    : System-up
  • 0N2
    : Soft down
  • 0N3
    : System down
  • 0N7
    : Decline for AVS or CID mismatch
  • 0P5
    : PIN change/unblock failed
  • 0P6
    : New PIN not accepted

Specifications

  • Data Type:
    Integer
  • Data Length:
    6

Mapping Information

  • REST API Field:
    issuerInformation.responseCode
  • SCMP API Field:
    issuer_response_code
  • Simple Order API Field:
    issuer_responseCode