issuer_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

For FDC Nashville Global, this field is used in conjunction with

ccAuthReply_merchantAdviceCode

for Visa and Mastercard. See ccAuthReply_merchantAdviceCode 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.

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