Error Codes and Messages

Processor Response Codes & Messages

TSYS

Response Codes	Response Messages	Processor Response Definition	Meaning
00	APPROVAL	Approved and completed	Transaction approved and successfully completed.
01	CALL	Refer to issuer	Refer the cardholder to the issuer.
02	CALL	Refer to issuer-Special condition	Refer the cardholder to the issuer for a special condition.
03	TERM ID ERROR	Invalid Merchant ID	Invalid Merchant ID.
04	HOLD-CALL	Pick up card (no fraud)	Lost card used to perform the transaction. Requesting the merchant to retain the card, but with no suspicion of fraudulent activity.
05	DECLINE	Do not honor	Transaction was declined by the processor.
06	ERROR	General error	General error.
07	HOLD-CALL	Pick up card, special condition (fraud account)	Lost card used to perform the transaction. Suspicion of fraud account.
08	APPROVAL	Honor Mastercard with ID
10	PARTIAL APPROVAL	Partial approval for the authorized amount returned in Group III version 022	Partial approval granted for the authorized amount returned in Group III version 022.
11	APPROVAL	VIP approval	Transaction approved with VIP status.
12	INVALID TRANS	Invalid transaction	Invalid transaction.
13	AMOUNT ERROR	Invalid amount	The amount is invalid.
14	CARD NO. ERROR	Invalid card number	The card number is invalid.
15	NO SUCH ISSUER	No such issuer	The issuer does not exist.
19	RE ENTER	Re-enter transaction	Packet Format Error. Re-enter the transaction.
21	NO ACTION TAKEN	Unable to back out transaction	Unable to cancel the transaction.
25	NO CARD NUMBER	Unable to locate the account number	The account number could not be found.
28	NO REPLY	File is temporarily unavailable	Transaction timed out with no response from the issuer.
30	MSG FORMAT ERROR	Transaction was improperly formatted	The transaction format is incorrect.
39	NO CREDIT ACCT	No credit account	Credit card is not supported.
41	HOLD-CALL	Lost card, pick up (fraud account)	Lost card used to perform the transaction. Suspicion of fraud account.
43	HOLD-CALL	Stolen card, pick up (fraud account)	Card used to perform the transaction is stolen. Suspicion of fraud account.
46	CLOSED ACCOUNT	Closed account	The cardholder's bank account has been closed.
51	DECLINE	Insufficient funds	The transaction was declined because there were insufficient funds in the cardholder's bank account.
52	NO CHECK ACCOUNT	No checking account	The account is invalid.
53	NO SAVE ACCOUNT	No savings account	The account is invalid.
54	EXPIRED CARD	Expired card	The card has expired.
55	WRONG PIN	Incorrect PIN	Incorrect PIN used during the transaction.
57	SERV NOT ALLOWED	Transaction not permitted-Card	The transaction is not permitted for this card.
58	SERV NOT ALLOWED	Transaction not permitted-Terminal	The transaction is not permitted on this terminal.
59	SUSPECTED FRAUD	Suspected fraud	Suspected fraud account.
61	EXC APPR AMT LIM	Exceeds approval amount limit	The transaction amount has exceeded the approved amount limit.
62	DECLINE	Invalid service code, restricted	The transaction was declined due to an invalid or restricted service code.
63	SEC VIOLATION	Security violation	Transaction violates SEC (Securities and Exchange Commission) laws.
65	EXC W/D FREQ LIM	Exceeds withdrawal frequency limit	The transaction withdrawal has exceeded the withdrawal frequency limit.
6P	VERIF DATA FAILD	Verification data failed	Data verification has failed.
75	PIN EXCEEDED	Allowable number of PIN-entry tries exceeded	PIN Entry limit has been exceeded.
76	UNSOLIC REVERSAL	Unable to locate, no match	Unable to locate the original transaction and so the transaction cannot be reinitiated.
77	NO ACTION TAKEN	Inconsistent, reversed, or repeat data	Unable to process the transaction request, and no action has been taken.
78	NO ACCOUNT	Blocked, first used transaction from new cardholder, and card not properly unblocked	First transaction from a new cardholder failed due to the card not being properly activated or unblocked by the issuer.
79	ALREADY REVERSED	Already reversed at switch	Transaction has already been reversed by switch.
80	NO IMPACT	No Financial impact (used in reversal responses to decline originals)	This response indicates there was no financial impact, typically used in reversal scenarios where the original transaction was declined.
81	ENCRYPTION ERROR	Cryptographic error	Card data error. Encryption was unsuccessful.
82	INCORRECT CVV	CVV data is not correct Or Offline PIN authentication interrupted	The CVV data is incorrect or the offline PIN authentication was interrupted.
83	CANT VERIFY PIN	Cannot verify PIN	Cannot verify the PIN used during the transaction.
85	CARD OK	No reason to decline	The card is okay and there is no reason to decline the transaction.
86	CANT VERIFY PIN	Cannot verify PIN	Unable to verify the PIN.
91	NO REPLY	Issuer or switch is unavailable	No reply. Either the card issuer or switch is unavailable at the moment.
92	INVALID ROUTING	Destination not found	Destination not found.
93	DECLINE	Violation, cannot complete	Transaction declined. Refer to TSYS processor for further information.
94	DUPLICATE TRANS	Unable to locate, no match	A duplicate reversal was attempted on an already reversed authorization.
96	SYSTEM ERROR	System malfunction	System has malfunctioned.
A1	ACTIVATED	POS device authentication successful	The POS (Point of Sale) device has been successfully activated and is ready to use.
A2	NOT ACTIVATED	POS device authentication not successful	The POS device could not be activated; the authentication failed.
A3	DEACTIVATED	POS device deactivation successful	The POS device has been successfully deactivated and is no longer in use.
A8	INVALID REGION CODE	Region code not valid	Region code is invalid.
A9	INVALID COUNTRY CODE	Country code not valid	Country code is invalid.
B1	SRCHG NOT ALLOWD	Surcharge amount not permitted on debit cards or EBT food stamps	A surcharge amount is not allowed on debit cards or EBT food stamp transactions.
B2	SRCHG NOT ALLOWD	Surcharge amount not supported by debit network issuer	Surcharge amount is not supported by the debit card issuer's network.
CV	FAILURE CV	Card Type Verification Error	Transaction failed due to a CV card type verification error. This means the processor could not verify the card type based on the CV (Card Verification) information, causing the transaction to fail.
D3	SECUR CRYPT FAIL	Transaction failure due to missing or invalid 3D-Secure cryptogram	Transaction failed due to a missing or invalid 3D-Secure cryptogram. This means the processor couldn't verify the security information required for the transaction, resulting in a failure.
E1	ENCR NOT CONFIGD	Encryption is not configured	Encryption is not configured.
E2	TERM NOT AUTHENT	Terminal is not authenticated	The terminal is not authenticated.
E3	DECRYPT FAILURE	Data could not be decrypted	The data could not be decrypted.
EA	ACCT LENGTH ERR	Verification error	Verification failed because the account number length is incorrect.
EB	CHECK DIGIT ERR	Verification error	Verification failed due to an invalid check digit in the account number.
EC	CID FORMAT ERROR	Verification error	Verification failed because the CID (Card Identification Data) is in the wrong format.
H1	SERV NOT ALLOWED	Contact Merchant Services/Technical Support	The service is not allowed; please contact Merchant Services or Technical Support for assistance.
H2	SERV NOT ALLOWED	Contact Merchant Services/Technical Support	The service is not allowed; please contact Merchant Services or Technical Support for assistance.
H3	SERV NOT ALLOWED	Contact Merchant Services/Technical Support	The service is not allowed; please contact Merchant Services or Technical Support for assistance.
H4	SERV NOT ALLOWED	Contact Merchant Services/Technical Support	The service is not allowed; please contact Merchant Services or Technical Support for assistance.
H5	SERV NOT ALLOWED	Contact Merchant Services/Technical Support	The service is not allowed; please contact Merchant Services or Technical Support for assistance.
H6	SERV NOT ALLOWED	Contact Merchant Services/Technical Support	The service is not allowed; please contact Merchant Services or Technical Support for assistance.
H7	SERV NOT ALLOWED	Contact Merchant Services/Technical Support	The service is not allowed; please contact Merchant Services or Technical Support for assistance.
H8	SERV NOT ALLOWED	Contact Merchant Services/Technical Support	The service is not allowed; please contact Merchant Services or Technical Support for assistance.
H9	SERV NOT ALLOWED	Contact Merchant Services/Technical Support	The service is not allowed; please contact Merchant Services or Technical Support for assistance.
HV	FAILURE HV	Hierarchy Verification Error	Transaction failed due to a hierarchy verification error, meaning the system could not verify the required hierarchical data for the transaction.
K0	TOKEN RESPONSE	Token request was processed	The token request was successfully processed.
K1	TOKEN NOT CONFIG	Tokenization is not configured	Tokenization has not been set up or configured.
K2	TERM NOT AUTHENT	Terminal is not authenticated	The terminal could not be authenticated.
K3	TOKEN FAILURE	Data could not be de-tokenized	The data could not be de-tokenized (converted back to the original data).
M0	DOM DBT NOT ALWD	Mastercard: Canada region-issued Domestic Debit Transaction not allowed	Mastercard transactions from the Canada region for domestic debit are not allowed.
N3	CACHBACK NOT AVL	Cash back service not available	Cashback service is not available for this transaction.
N4	DECLINE	Exceeds issuer withdrawal limit	The transaction was declined because it exceeds the issuer's withdrawal limit.
N7	CVV2 MISMATCH CVV2	Value supplied is invalid	The CVV2 value provided does not match the one on file.
P0	SERV NOT ALLOWED	Contact Merchant Services/Technical Support	The service is not allowed; please contact Merchant Services or Technical Support for assistance.
P1	SERV NOT ALLOWED	Contact Merchant Services/Technical Support	The service is not allowed; please contact Merchant Services or Technical Support for assistance.
P2	SERV NOT ALLOWED	Contact Merchant Services/Technical Support	The service is not allowed; please contact Merchant Services or Technical Support for assistance.
P3	SERV NOT ALLOWED	Contact Merchant Services/Technical Support	The service is not allowed; please contact Merchant Services or Technical Support for assistance.
P4	SERV NOT ALLOWED	Contact Merchant Services/Technical Support	The service is not allowed; please contact Merchant Services or Technical Support for assistance.
P5	SERV NOT ALLOWED	Contact Merchant Services/Technical Support	The service is not allowed; please contact Merchant Services or Technical Support for assistance.
P6	SERV NOT ALLOWED	Contact Merchant Services/Technical Support	The service is not allowed; please contact Merchant Services or Technical Support for assistance.
P7	MISSING SERIAL NUM	The terminal has not yet completed the boarding process. The Serial Number has not been set up.	The terminal has not completed the boarding process yet, and the Serial Number has not been set up.
Q1	CARD AUTH FAIL	Card authentication failed	Card authentication failed.
R0	STOP RECURRING	Customer requested stop of specific recurring payment	The customer has requested to stop a specific recurring payment from their account.
R1	STOP RECURRING	Customer requested stop of all recurring payments from specific merchant	The customer has requested to stop all recurring payments from a specific merchant.
R3	STOP ALL RECUR	All recurring payments have been canceled for the card number in the request	All recurring payments for the provided card number have been canceled.
S0	INACTIVE CARD	The PAN used in the transaction is inactive.	The card number (PAN) used in the transaction is inactive and cannot be processed.
S1	MOD 10 FAIL	The Mod-10 check failed.	The Mod-10 validation check, used to verify the card number, failed.
S5	DCLN NO PRE AUTH	Decline – no preauthorization found.	Transaction declined because no preauthorization was found for the transaction.
S9	MAX BALANCE	Maximum working balance exceeded.	The transaction exceeds the maximum allowed balance for the account or card.
SA	SHUT DOWN	The Authorization Server is shut down.	The Authorization Server is currently shut down and unable to process the transaction.
SB	INVALID STATUS	Invalid card status – status is other than active	The card has an invalid status (e.g., not active), preventing the transaction.
SC	UNKNOWN STORE	Unknown dealer/store code – special edit.	The store or dealer code provided is unknown, requiring special handling.
SD	TOO MANY RCHRGS	Maximum number of recharges is exceeded.	The maximum number of allowed recharges has been exceeded for this transaction.
SE	ALREADY USED	Card was already used.	The card has already been used for a transaction, making this request invalid.
SF	NOT MANUAL	Manual transactions not allowed.	Manual transactions are not permitted for this type of request.
SH	TYPE UNKNOWN	Transaction type was unknown.	The transaction type provided is unrecognized or not supported by the system.
SJ	INVALID TENDER	An invalid tender type was submitted.	The tender type (payment method) submitted is not valid or accepted.
SK	CUSTOMER TYPE	An invalid customer type was submitted.	The customer type provided is not valid for processing this transaction.
SL	PIN LOCKED	PIN was locked.	The PIN entered for the transaction has been locked due to multiple failed attempts.
SM	MAX REDEMPTS	The maximum number of redemptions was exceeded.	The card has exceeded the allowed number of redemptions for a specific offer or service.
SP	MAX PAN TRIES	The maximum number of PAN tries was exceeded.	The card has exceeded the maximum allowed number of attempts to enter the PAN (card number).
SR	ALREADY ISSUED	The card was already issued.	The card has already been issued and cannot be reissued.
SS	NOT ISSUED	The card was not issued.	The card has not been issued or is not recognized by the system.
T0	APPROVAL	First check is okay and has been converted.	The check passed initial verification and was successfully converted.
T1	CANNOT CONVERT	The check is okay but cannot be converted. This is a declined transaction.	The check passed verification but cannot be converted; transaction declined.
T2	INVALIDABA	Invalid ABA number, not an ACH participant.	The ABA number provided is invalid or not registered as an ACH participant.
T3	AMOUNT ERROR	Amount greater than the limit.	The transaction amount exceeds the allowed limit.
V1	FAILURE VM	Daily threshold exceeded.	The daily transaction threshold has been exceeded.
Z6	FIX INVALID MCC	Invalid use of MCC - correct and reattempt.	The MCC (Merchant Category Code) is incorrect; correct it and try again.

FISERV

Response Code	Response Message	Meaning
00	Successful approval/completion or that V.I.P. PIN verification is successful	The transaction was approved and successfully completed, or the entered V.I.P PIN was verified as correct.
01	Refer to card issuer	The transaction cannot be processed; the cardholder must contact the issuing bank for further details.
02	Refer to card issuer, special condition	A special condition prevents processing; the cardholder must contact their issuing bank for clarification.
03	Invalid merchant or service provider	The transaction cannot be processed because the merchant ID or service provider is invalid or unrecognized.
04	Pickup card	The card must be confiscated; the issuer requests its retrieval, typically due to cardholder issues.
05	Do not honor	The transaction is declined by the issuer without specifying a reason; the cardholder should contact their bank.
06	Error	A general or unspecified error occurred during transaction processing.
07	Pickup card, special condition (other than lost/stolen card)	The issuer requests the card's confiscation due to conditions such as fraud detection or account status.
10	Partial Approval	Only part of the transaction amount was approved, often due to insufficient funds or card restrictions.
11	V.I.P. approval	The transaction was approved under special processing, usually for high-value or priority cardholders.
12	Invalid transaction	The transaction type is not permitted or is formatted incorrectly for processing.
13	Invalid amount (currency conversion field overflow); or amount exceeds maximum for card program	The transaction amount is invalid, exceeds allowable limits, or causes an error in currency conversion.
14	Invalid account number (no such number)	The card number provided does not correspond to an existing account, or was entered incorrectly.
15	No such issuer	The issuer cannot be identified, likely due to an incorrect or unregistered BIN (Bank Identification Number).
19	Re-enter transaction	The transaction could not be processed; the merchant should attempt the transaction again.
21	No action taken (unable to back out prior transaction)	A related transaction could not be reversed or corrected, preventing further action.
25	Unable to locate record in file, or account number is missing from the inquiry	The system could not locate the account or transaction record needed to process the request.
28	File is temporarily unavailable	A required system file or database is inaccessible at the moment, delaying transaction processing.
39	No credit account	The card does not have a credit account associated with it, preventing the transaction.
41	Pickup card (lost card)	The card has been reported lost; the issuer requests its confiscation for security reasons.
43	Pickup card (stolen card)	The card has been reported stolen; the issuer requests its confiscation to prevent fraudulent use.
46	Closed account	The cardholder’s account has been closed and cannot process transactions.
51	Insufficient funds	The cardholder's account does not have enough funds to complete the transaction.
52	No checking account	The account does not have an associated checking feature or functionality required for this transaction.
53	No savings account	The account does not have an associated savings feature or functionality required for this transaction.
54	Expired card	The card’s expiration date has passed; it is no longer valid for transactions.
55	Incorrect PIN	The Personal Identification Number (PIN) entered is incorrect and does not match the cardholder's record.
56	No card record	The card is not recognized; it might not be activated or registered with the issuing bank.
57	Transaction not permitted to cardholder	The transaction type is not allowed for the cardholder’s account due to restrictions set by the issuer.
58	Transaction not allowed at terminal	The transaction type is not permitted at this terminal or merchant category.
59	Suspected fraud	The transaction was flagged as potentially fraudulent and declined for security reasons.
6P	Verification data failed	The data provided for verification (e.g., CVV, PIN, or other security measures) was incorrect.
61	Exceeds approval amount limit	The transaction amount exceeds the limit set by the issuer for the cardholder’s account.
62	Restricted card (for example, in Country Exclusion table)	The card is restricted, possibly due to geographic restrictions or usage limitations.
63	Security violation	The transaction violated security protocols or failed compliance checks.
64	Transaction does not fulfill AML requirement	The transaction failed Anti-Money Laundering (AML) requirements or regulatory checks.
65	Exceeds withdrawal frequency limit	The cardholder has exceeded the allowed number of withdrawals within a set timeframe.
70	PIN data required	The transaction requires a PIN to proceed but none was entered or verified.
75	Allowable number of PIN-entry tries exceeded	The cardholder has exceeded the maximum allowable attempts to enter the correct PIN.
76	Unable to locate previous message (no match on retrieval reference number)	The system could not find a match for a prior transaction, causing the current transaction to fail.
77	Previous message located for a repeat or reversal, but repeat or reversal data inconsistent with original message	Data for a reversal or repeat transaction did not match the original transaction, causing it to fail.
78	Blocked, first used	A new card is being used, but it has not been activated or unblocked by the issuer.
79	Transaction reversed	The transaction has already been reversed, and no further action is needed.
80	Visa transactions: credit issuer unavailable. Private label: invalid date	The issuer cannot process the transaction, or the date provided is invalid.
81	PIN cryptographic error found (error found by VIC security module during PIN decryption)	An error occurred during PIN encryption or decryption, preventing the transaction from completing.
82	Negative Online CAM, dCVV, iCVV, or CVV results or Offline PIN authentication interrupted	Card verification failed, or offline PIN authentication was interrupted.
85	No reason to decline request for account number verification, address verification, CVV2 verification, or credit voucher or merchandise return	The transaction is approved, as no issues were found during verification.
86	Cannot verify PIN	The PIN provided could not be verified by the issuer or processor.
91	Issuer unavailable or switch inoperative (STIP not applicable or available for this transaction)	The issuing bank or transaction switch is unavailable, preventing processing.
92	Financial institution or intermediate network facility cannot be found for routing	The system cannot find a route to the issuer or intermediate network, stopping the transaction.
93	Transaction cannot be completed; violation of law	The transaction violates legal or regulatory requirements and cannot be processed.
94	Duplicate transaction. Transaction submitted containing values in tracing data fields that duplicate values in a previous transaction	The transaction appears identical to a previous one and is being rejected to avoid duplication.
96	System malfunction; System malfunction or certain field error conditions	A system error occurred during transaction processing.
1A	Additional customer authentication required	The transaction requires additional authentication from the cardholder for security reasons.
B1	Surcharge amount not permitted on Visa cards (U.S. acquirers only)	Visa cards do not allow surcharges for this transaction.
N0	Force STIP	Stand-in processing was forced to approve the transaction.
N3	Cash service not available	Cash-related services, such as cash advance, are not available for this transaction.
N4	Cashback request exceeds issuer limit	The requested cashback amount is higher than the limit set by the card issuer.
N7	Decline for CVV2 failure	The CVV2 provided for verification is incorrect or does not match the issuer’s records.
N8	Transaction amount exceeds pre-authorized approval amount	The amount is greater than what was pre-authorized by the cardholder or issuer.
P2	Invalid biller information	The biller details provided for the transaction are incorrect or incomplete.
P5	PIN Change/Unblock request declined	The request to change or unblock the PIN was denied by the issuer.
P6	Unsafe PIN	The PIN entered is deemed insecure or violates issuer policies.
Q1	Card authentication failed or Offline PIN authentication interrupted	The card failed authentication checks, or offline PIN verification was interrupted.
R0	Stop Payment Order	A stop payment order has been placed on the transaction by the cardholder or issuer.
R1	Revocation of Authorization Order	Authorization for the transaction has been revoked by the cardholder or issuer.
R3	Revocation of All Authorizations Order	All authorizations associated with the card have been revoked.
Z3	Unable to go online; declined	The card or terminal is unable to connect to the network, and the transaction was declined.
XA	Forward to issuer	The transaction requires issuer intervention to complete.
XD	Forward to issuer	The transaction requires issuer intervention to complete.
000	Approved	The transaction was approved successfully.
001	Approve with ID	The transaction is approved but requires cardholder identification.
002	Partial Approval (Prepaid Cards only)	Only a portion of the requested transaction amount is approved, typically for prepaid cards.
100	Deny	The transaction is denied without a specific reason provided.
101	Expired Card/Invalid Expiration Date	The card has expired, or the expiration date entered is incorrect.
106	Exceeded PIN attempts	The maximum number of allowed PIN entry attempts has been reached.
107	Please Call Issuer	The cardholder must contact the issuing bank for further assistance.
109	Invalid Merchant	The merchant details provided are incorrect or unregistered.
110	Invalid Amount	The transaction amount is invalid or incorrectly formatted.
111	Invalid Account /Invalid MICR (Travelers Cheque)	The account or MICR number is invalid or incorrectly entered.
115	Requested function not supported	The requested transaction type or function is not supported by the issuer or processor.
116	Not Sufficient Funds	The cardholder’s account has insufficient funds to complete the transaction.
117	Invalid PIN	The PIN entered is incorrect and does not match issuer records.
119	Cardmember not enrolled/ not permitted	The cardholder is not enrolled in the service required to complete the transaction.
121	Limit Exceeded	The transaction exceeds account limits set by the issuer.
122	Invalid card security code (a.k.a, CID, 4DBC, 4CSC)	The card security code (e.g., CVV, CID) is invalid or incorrectly entered.
125	Invalid effective date	The effective date for the card or transaction is invalid.
130	Additional customer identification required	Additional identification is required to complete the transaction.
181	Format Error	The transaction message was improperly formatted and cannot be processed.
183	Invalid currency code	The currency code provided is invalid or not supported for the transaction.
187	Deny - New card issued	The card has been replaced by a new one; the old card is no longer valid.
189	Deny - Cancelled or Closed Merchant /SE	The merchant or account associated with the transaction has been canceled or closed.
200	Deny - Pick up card	The transaction is denied, and the card should be confiscated.
400	Reversal Accepted	The reversal of a previous transaction has been successfully processed.
900	Accepted - ATC Synchronization	The transaction is approved, with ATC synchronization successfully performed.
909	System Malfunction (Cryptographic error)	A cryptographic or system error occurred during processing.
912	Issuer not available	The issuer’s system is unavailable, and the transaction could not be completed.

WORLDPAY

Response Code	Response Message	Meaning
00	Successful approval/completion or that V.I.P. PIN verification is successful	The transaction was approved and successfully completed, or the entered V.I.P PIN was verified as correct.
01	Refer to card issuer	The transaction cannot be processed; the cardholder must contact the issuing bank for further details.
02	Refer to card issuer, special condition	A special condition prevents processing; the cardholder must contact their issuing bank for clarification.
03	Invalid merchant or service provider	The transaction cannot be processed because the merchant ID or service provider is invalid or unrecognized.
04	Pickup card	The card must be confiscated; the issuer requests its retrieval, typically due to cardholder issues.
05	Do not honor	The transaction is declined by the issuer without specifying a reason; the cardholder should contact their bank.
06	Error	A general or unspecified error occurred during transaction processing.
07	Pickup card, special condition (other than lost/stolen card)	The issuer requests the card's confiscation due to conditions such as fraud detection or account status.
10	Partial Approval	Only part of the transaction amount was approved, often due to insufficient funds or card restrictions.
11	V.I.P. approval	The transaction was approved under special processing, usually for high-value or priority cardholders.
12	Invalid transaction	The transaction type is not permitted or is formatted incorrectly for processing.
13	Invalid amount (currency conversion field overflow); or amount exceeds maximum for card program	The transaction amount is invalid, exceeds allowable limits, or causes an error in currency conversion.
14	Invalid account number (no such number)	The card number provided does not correspond to an existing account, or was entered incorrectly.
15	No such issuer	The issuer cannot be identified, likely due to an incorrect or unregistered BIN (Bank Identification Number).
19	Re-enter transaction	The transaction could not be processed; the merchant should attempt the transaction again.
21	No action taken (unable to back out prior transaction)	A related transaction could not be reversed or corrected, preventing further action.
25	Unable to locate record in file, or account number is missing from the inquiry	The system could not locate the account or transaction record needed to process the request.
28	File is temporarily unavailable	A required system file or database is inaccessible at the moment, delaying transaction processing.
39	No credit account	The card does not have a credit account associated with it, preventing the transaction.
41	Pickup card (lost card)	The card has been reported lost; the issuer requests its confiscation for security reasons.
43	Pickup card (stolen card)	The card has been reported stolen; the issuer requests its confiscation to prevent fraudulent use.
46	Closed account	The cardholder’s account has been closed and cannot process transactions.
51	Insufficient funds	The cardholder's account does not have enough funds to complete the transaction.
52	No checking account	The account does not have an associated checking feature or functionality required for this transaction.
53	No savings account	The account does not have an associated savings feature or functionality required for this transaction.
54	Expired card	The card’s expiration date has passed; it is no longer valid for transactions.
55	Incorrect PIN	The Personal Identification Number (PIN) entered is incorrect and does not match the cardholder's record.
56	No card record	The card is not recognized; it might not be activated or registered with the issuing bank.
57	Transaction not permitted to cardholder	The transaction type is not allowed for the cardholder’s account due to restrictions set by the issuer.
58	Transaction not allowed at terminal	The transaction type is not permitted at this terminal or merchant category.
59	Suspected fraud	The transaction was flagged as potentially fraudulent and declined for security reasons.
6P	Verification data failed	The data provided for verification (e.g., CVV, PIN, or other security measures) was incorrect.
61	Exceeds approval amount limit	The transaction amount exceeds the limit set by the issuer for the cardholder’s account.
62	Restricted card (for example, in Country Exclusion table)	The card is restricted, possibly due to geographic restrictions or usage limitations.
63	Security violation	The transaction violated security protocols or failed compliance checks.
64	Transaction does not fulfill AML requirement	The transaction failed Anti-Money Laundering (AML) requirements or regulatory checks.
65	Exceeds withdrawal frequency limit	The cardholder has exceeded the allowed number of withdrawals within a set timeframe.
70	PIN data required	The transaction requires a PIN to proceed but none was entered or verified.
75	Allowable number of PIN-entry tries exceeded	The cardholder has exceeded the maximum allowable attempts to enter the correct PIN.
76	Unable to locate previous message (no match on retrieval reference number)	The system could not find a match for a prior transaction, causing the current transaction to fail.
77	Previous message located for a repeat or reversal, but repeat or reversal data inconsistent with original message	Data for a reversal or repeat transaction did not match the original transaction, causing it to fail.
78	Blocked, first used	A new card is being used, but it has not been activated or unblocked by the issuer.
79	Transaction reversed	The transaction has already been reversed, and no further action is needed.
80	Visa transactions: credit issuer unavailable. Private label: invalid date	The issuer cannot process the transaction, or the date provided is invalid.
81	PIN cryptographic error found (error found by VIC security module during PIN decryption)	An error occurred during PIN encryption or decryption, preventing the transaction from completing.
82	Negative Online CAM, dCVV, iCVV, or CVV results or Offline PIN authentication interrupted	Card verification failed, or offline PIN authentication was interrupted.
85	No reason to decline request for account number verification, address verification, CVV2 verification, or credit voucher or merchandise return	The transaction is approved, as no issues were found during verification.
86	Cannot verify PIN	The PIN provided could not be verified by the issuer or processor.
91	Issuer unavailable or switch inoperative (STIP not applicable or available for this transaction)	The issuing bank or transaction switch is unavailable, preventing processing.
92	Financial institution or intermediate network facility cannot be found for routing	The system cannot find a route to the issuer or intermediate network, stopping the transaction.
93	Transaction cannot be completed; violation of law	The transaction violates legal or regulatory requirements and cannot be processed.
94	Duplicate transaction. Transaction submitted containing values in tracing data fields that duplicate values in a previous transaction	The transaction appears identical to a previous one and is being rejected to avoid duplication.
96	System malfunction; System malfunction or certain field error conditions	A system error occurred during transaction processing.
1A	Additional customer authentication required	The transaction requires additional authentication from the cardholder for security reasons.
B1	Surcharge amount not permitted on Visa cards (U.S. acquirers only)	Visa cards do not allow surcharges for this transaction.
N0	Force STIP	Stand-in processing was forced to approve the transaction.
N3	Cash service not available	Cash-related services, such as cash advance, are not available for this transaction.
N4	Cashback request exceeds issuer limit	The requested cashback amount is higher than the limit set by the card issuer.
N7	Decline for CVV2 failure	The CVV2 provided for verification is incorrect or does not match the issuer’s records.
N8	Transaction amount exceeds pre-authorized approval amount	The amount is greater than what was pre-authorized by the cardholder or issuer.
P2	Invalid biller information	The biller details provided for the transaction are incorrect or incomplete.
P5	PIN Change/Unblock request declined	The request to change or unblock the PIN was denied by the issuer.
P6	Unsafe PIN	The PIN entered is deemed insecure or violates issuer policies.
Q1	Card authentication failed or Offline PIN authentication interrupted	The card failed authentication checks, or offline PIN verification was interrupted.
R0	Stop Payment Order	A stop payment order has been placed on the transaction by the cardholder or issuer.
R1	Revocation of Authorization Order	Authorization for the transaction has been revoked by the cardholder or issuer.
R3	Revocation of All Authorizations Order	All authorizations associated with the card have been revoked.
Z3	Unable to go online; declined	The card or terminal is unable to connect to the network, and the transaction was declined.
XA	Forward to issuer	The transaction requires issuer intervention to complete.
000	Approved	The transaction was approved successfully.
001	Approve with ID	The transaction is approved but requires cardholder identification.
002	Partial Approval (Prepaid Cards only)	Only a portion of the requested transaction amount is approved, typically for prepaid cards.
100	Deny	The transaction is denied without a specific reason provided.
101	Expired Card/Invalid Expiration Date	The card has expired, or the expiration date entered is incorrect.
106	Exceeded PIN attempts	The maximum number of allowed PIN entry attempts has been reached.
107	Please Call Issuer	The cardholder must contact the issuing bank for further assistance.
109	Invalid Merchant	The merchant details provided are incorrect or unregistered.
110	Invalid Amount	The transaction amount is invalid or incorrectly formatted.
111	Invalid Account /Invalid MICR (Travelers Cheque)	The account or MICR number is invalid or incorrectly entered.
115	Requested function not supported	The requested transaction type or function is not supported by the issuer or processor.
116	Not Sufficient Funds	The cardholder’s account has insufficient funds to complete the transaction.
117	Invalid PIN	The PIN entered is incorrect and does not match issuer records.
119	Cardmember not enrolled/ not permitted	The cardholder is not enrolled in the service required to complete the transaction.
121	Limit Exceeded	The transaction exceeds account limits set by the issuer.
122	Invalid card security code (a.k.a, CID, 4DBC, 4CSC)	The card security code (e.g., CVV, CID) is invalid or incorrectly entered.
125	Invalid effective date	The effective date for the card or transaction is invalid.
130	Additional customer identification required	Additional identification is required to complete the transaction.
181	Format Error	The transaction message was improperly formatted and cannot be processed.
183	Invalid currency code	The currency code provided is invalid or not supported for the transaction.
187	Deny - New card issued	The card has been replaced by a new one; the old card is no longer valid.
189	Deny - Cancelled or Closed Merchant /SE	The merchant or account associated with the transaction has been canceled or closed.
200	Deny - Pick up card	The transaction is denied, and the card should be confiscated.
400	Reversal Accepted	The reversal of a previous transaction has been successfully processed.
900	Accepted - ATC Synchronization	The transaction is approved, with ATC synchronization successfully performed.
909	System Malfunction (Cryptographic error)	A cryptographic or system error occurred during processing.
912	Issuer not available	The issuer’s system is unavailable, and the transaction could not be completed.

Error Codes & Messages

HTTPs Error Messages

Error Code	Error Message	Meaning
400	Bad Request	The server could not understand the request due to invalid syntax
401	Unauthorized	Authentication is required to access the requested resource
403	Forbidden	Valid credentials, but access is explicitly denied
404	Not Found	The server cannot find the requested resource
405	Method Not Allowed	The HTTP method used is not supported for the requested resource
408	Request Timeout	The server timed out waiting for the complete request from the client
429	Too Many Requests	The user has sent too many requests in a given amount of time
500	Internal Server Error	The server encountered an unexpected condition
502	Bad Gateway	Error occurred between gateway/proxy and the backend server
503	Service Unavailable	The server is currently unable to handle the request
504	Gateway Timeout	The server did not receive a timely response from the upstream server
505	HTTP Version Not Supported	The HTTP version used in the request is not supported by the server

SPIn Specification

<RespMSG>…</RestMSG>	Description	What to do
Active route not found	A terminal does not have an active SPIn Connection. The Connection is created, but is disabled.	On the Terminal Details page check that SPIn Proxy is activated for this terminal. SPIn Proxy is activated for this terminal.
Not pars request	There is an error in the request message format.	Check a request format.
Route not found	A terminal does not have SPIn Connection. The Connection is not created.	On the Terminal Details page create a new SPIn Proxy connection.
Terminal not connected to SPIn proxy server	A terminal is not connected to the internet or it is inaccessible due to network settings. The terminal might be just disconnected due to reconnecting to the network, a terminal restart, being in sleep mode, or being in SPIn bypass mode.	Check a terminal whether it works or not and be sure that terminal is on the SPIn mode screen and online. Send a status request to get actual connection status to continue to work with a terminal. see Check Terminal Connection Status
The operation has timed out	A request was sent to a terminal, but the terminal did not provide a response at a proper time. Probably the terminal lost a connection, was switched off, a discharged battery, some bug on a terminal, a terminal not in the IDLE screen and busy by some process e.g. a terminal menu is open and a transaction not in focus. Possible that the terminal will respond to this transaction after a timeout event, a transaction will be performed and approved on a host side and added to a settlement report. But SPIn Proxy cannot guarantee a delivery on this POS request and a timeout is the best response in this case. Default timeout 120 seconds.	Check a terminal whether it works or not and be sure that terminal is on the SPIn mode screen and online. Do Status request to check transaction Status Alternative way: Repeat the transaction with the same parameters if the transaction was already performed you will get an error “Duplicated ReferenceID”. Continue to perform transactions
This terminal handles a different query	A terminal operates another request.	Wait when the previous request is completed and repeat a new request to a terminal.
Terminal in use	Register/Server/Host will get this error if it attempts to send a second request before the full time out period of previous request.	Wait for transaction timing out before attempting another transaction
Invalid Reference ID	Reference Id value sent from Register/POS/Server will have to be unique per transaction within the batch.	Change the reference id value and retry the transaction
Reconnected	Terminal was reconnected after receiving the request and before providing the response	Do Status request to check transaction Status
Service busy	If the terminal is not ready to receive a transaction for any reason (usually because it is not on the idle screen to receive the request, is busy processing another operation, or has not yet completed a previous transaction).	Try once the existing transaction is completed.

Freedom to Design

Error Code	Error Message	Meaning
FTD_001	Card Number is not valid, Please try with a valid Card Number	Triggered when the card number fails validation against the expected format.
FTD_002	Card Cvv is not valid,Please try with valid Cvv	Occurs when the CVV format does not meet validation criteria
FTD_003	Card is Expired	The transaction was declined due to the card being past its expiration date.
FTD_004	Card is Expiry Month is Not Valid	The expiration month could not be parsed from the request.
FTD_005	Card is Expiry Month is Not Valid	The expiration month format is incorrect.
FTD_006	Data Tokenization Key is not valid,Please try with valid Key	The tokenization key provided is invalid or expired.
FTD_007	Requested Origin is Not Registered. Please Contact Support Team	The request originated from an unrecognized domain.
FTD_008	Invalid Payload. Please Try With Valid Payload	The paymentTokenId is invalid or expired (older than 24 hours).
FTD_009	Data Tokenization Key is not valid,Please try with valid Key	The tokenization key has expired or is no longer valid.
FTD_010	Invalid Request, Please try again	Either the request is invalid or the HSM (Hardware Security Module) is down
FTD_011	Process Failed. Please try with new Token	No response was received from the HSM to complete decryption.
FTD_012	Invalid Request, Please try again	An internal exception occurred while invoking the HSM application.
FTD_013	Invalid Request, Please try again	HSM returned an invalid or unexpected response.

Hosted Payment Page

Error Response Code & Message - Upon Payment Form Generate URL request

Error	Error Response Message
merchantAuthentication	Merchant Auth request errors
merchantAuthentication[object]	Merchant authentication cannot be null
merchantAuthentication.merchantId	Merchant Id cannot be null
merchantAuthentication.merchantId	Invalid merchant id
merchantAuthentication.transactionReferenceId	Invalid transaction reference id
merchantAuthentication.transactionReferenceId	Transaction reference id cannot be null
	Transaction request errors
transactionRequest[object]	Transaction request cannot be null
transactionRequest.amount	Invalid amount
transactionRequest.amount	Transaction type cannot be null
transactionRequest.transactionType	Invalid transaction type
transactionRequest.feeAmount	Invalid fee amount
transactionRequest.feeLabel	Invalid fee label
transactionRequest.lTaxAmount	Invalid lTax amount
transactionRequest.lTaxLabel	Invalid lTax label
transactionRequest.gTaxAmount	Invalid gTax amount
transactionRequest.gTaxLabel	Invalid gTax label
	Notify By request errors
notificationOption[object]	Notification option cannot be null
notificationOption.postAPI	Invalid post API
notificationOption.returnUrl	Invalid return URL
notificationOption.failureUrl	Invalid failure URL
notificationOption.mobileNumber	Invalid mobile number
notificationOption.cancelUrl	Invalid Cancel URL
	Preference request errors
preferences[object]	Preferences cannot be null
preferences.integrationType	Integration type cannot be null
preferences.integrationType	Invalid integration type
preferences.customerName	Invalid customer name
preferences.customerEmail	Invalid customer email
preferences.customerMobile	Invalid customer mobile
preferences.customerEmail, preferences.customerMobile	Both customer email and customer mobile cannot be empty
	Personalization request errors
personalization.merchantName	Invalid merchant name
personalization.logoUrl	Invalid logo URL
personalization.themeColor	Invalid theme color
personalization.description	Invalid description
personalization.payNowButtonText	Invalid pay button text
personalization.buttonColor	Invalid button color
personalization.cancelButtonText	Invalid cancel button text
personalization.disclaimer	Invalid disclaimer

Printer SDK

Error code	Error message
-1	Invalid printer data
-2	Unknown exception while printing
-3	Invalid printer data body
-4	No paper roll
-5	If any unknown exceptions while printing
-6	Printer data limit exceeded
Other error codes	Printing failed

Swipereader SDK

Code	Type	Description
00	Success	The swipe card operation was successful.
01	Failure	Please update the timeout to be in the range of 10 to 90 seconds.
02	Failure	Unable to support this device model.
03	Failure	Unable to initialize card reader.
04	Failure	Unable to initialize card reader. Context is null.
05	Failure	Unable to support this device model.
06	Failure	Failed to open card reader
07	Failure	Failed to read card data.
08	Timeout	Card detection timeout.
09	Failure	Exception in card detection.
10	Failure	All track data null.
11	Failure	Card detection timeout.
12	Failure	We don’t support this device.
13	Failure	Swipe reader failed.
14	Failure	Device exception.

iPOS Transact API

HTTP Response Code	Response Message
200	Success
400	Declined

Error	Error Message	Meaning
Failed	Invalid Token	The request failed due to an invalid or expired token.
Failed	Device does not exist	The specified device was not found in the system.
Failed	TPN status is suspended	Transactions are blocked because the TPN is suspended.
Failed	TPN status is not active	The TPN must be active to proceed with the transaction
transactionRequest.amount	Invalid amount	The transaction amount is either missing or improperly formatted.
transactionRequest.transactionType	Invalid transaction type	The transaction type is not recognized or unsupported
transactionRequest.cardToken	Card Token cannot be empty	Card token is required for processing the transaction
transactionRequest.rrn	RRN cannot be empty	RRN is required but was not provided in the request
transactionRequest.applySteamSettingTipFeeTax	Steam setting for tip, fee & tax are not found to requested TPN	Tip/Fee/Tax settings are not configured in S.T.E.A.M → Edit Parameters for the requested TPN
IPOSTRANSCT_001	AVS is Mandatory -- (using multiple place)	Address Verification System (AVS) information is required
IPOSTRANSCT_004	Street No is Mandatory	Street number is required for AVS or transaction validation
IPOSTRANSCT_006	Zip Code is Mandatory	Zip code is required as part of address verification or validation
transactionRequest.rrn	RRN cannot be null	RRN field must contain a value and cannot be null
IPOS_001	REFUND cannot be processed as you have exceeded the maximum limit of + refundenableCount + attempts	Refund request exceeded the allowed number of attempts
Failed	High amount value	Transaction amount exceeds the allowable or configured limit
Failed	This transaction is already voided	The transaction cannot be voided again
Failed	This transaction is already refunded	Refund cannot proceed as it has already been processed
Failed	Refund option is disabled for this TPN	Refunds are not permitted for the current TPN configuration
Failed	Void option is disabled for this TPN	Void transactions are not permitted for this TPN
Failed	Invalid transaction request	The transaction request failed due to validation or formatting issues
transactionRequest.amount	Amount cannot be empty	amount field is missing or empty and it must be provided for processing
transactionRequest.cardToken	Card Token cannot be empty	Card token is mandatory and must be included
Failed	Tip is not enabled for this TPN	Tips are not supported under this TPN
Failed	Txn not supported	The type of transaction is not allowed under current settings
No PreAuth Transaction	Incremental auth can be done with Original PreAuth	Incremental authorization requires a valid PreAuth transaction
This ticket is now closed	Incremental auth can only be done before closing the ticket	You cannot perform incremental authorization after closing the ticket
This ticket is now closed	Please close this ticket	The number of incremental auth attempts has been exceeded
IPOS_BATCH_001	No Open Batch For this TPN	No active batch session is available for the given TPN
IPOS_BATCH_002	Error Connecting With Open Batch Api, Please Try Again	System failed to connect to the batch service API
Failed	Transaction reference ID must be unique	Duplicate reference ID detected. Each transaction must have a distinct reference ID
Failed	Partial Approval Decline	The transaction was partially approved but ultimately declined
Socket Timeout Exception	Settlement Is Being Processed	Settlement process timed out or is currently in progress

Onboard Merchant API

Error	Error Message
mandatory_field	If input field is mandatory
invalid_characters_or_length	If input field characters or length are not as specified
invalid_data	If input field data given is invalid
already_exists	If input given is already exists in our database
Methodinvalid_dependent_data	If dependent input given is invalid
invalid_object_name	If the payload has invalid object or not as specified

Error	Error message
mandatory_field	Merchant dba name input is mandatory
invalid_characters_or_length	Merchant dba name should have min 2 chars and upto 35 chars
mandatory_field	Merchant e-mail address input is mandatory
invalid_email	Merchant e-mail address should be valid and check email address is properly formatted
invalid_characters_or_length	Merchant e-mail address length cannot be exceed 255 chars
already_exists	Given merchant e-mail address input is already exists
mandatory_field	Merchant first name input is mandatory
invalid_data	Merchant first name input is invalid
invalid_characters_or_length	Merchant first name input should have min 2 & upto 50 characters
invalid_data	Merchant last name input is invalid
invalid_characters_or_length	Merchant last name input should have min 2 & upto 50 characters
mandatory_field	Merchant address line 1 input is mandatory
invalid_data	Merchant address line 1 input is invalid
invalid_characters_or_length	Merchant address line 1 input should have min 2 & upto 35 characters
invalid_data	Merchant address line 2 input is invalid
invalid_characters_or_length	Merchant address line 2 should have min 2 and upto 35 characters
mandatory_field	Merchant zip code input is mandatory
invalid_data	Merchant zip code input is invalid
mandatory_field	Merchant ISD code input is mandatory
invalid_data	Merchant ISD code input is invalid (eg., input format is +1)
mandatory_field	Merchant phone number input is mandatory
invalid_data	Merchant phone number input is invalid
invalid_characters_or_length	Merchant phone number input must have 10 characters
invalid_data	Merchant ebt data input is invalid, must be alphanumeric value
invalid_characters_or_length	Merchant ebt data input must have 7 characters
invalid_data	ISO agent reference input is invalid, must have alphanumeric value
invalid_characters_or_length	ISO agent reference input should have min 2 & upto 15 characters
invalid_data	ISO merchant input is invalid, must have alphanumeric value
invalid_characters_or_length	ISO merchant input should have min 1 & upto 6 characters
invalid_data	Merchant Logo URL input is invalid (Ex: https://example.com/image.png)
invalid_characters_or_length	Merchant Logo URL input value should not exceed 2000 characters
mandatory_field	Store dba name input is mandatory
invalid_characters_or_length	Store dba name input should have min 2 & upto 35 characters
already_exists	Given store dba name input is already exists
mandatory_field	Store email address input is mandatory
invalid_data	Store email address should be valid and check email address is properly formatted
invalid_characters_or_length	Store email address length cannot be exceed 255 chars
mandatory_field	Store first name input is mandatory
invalid_data	Store first name input is invalid
invalid_characters_or_length	Store first name input should have min 2 & upto 50 characters
invalid_data	Store last name input is invalid
invalid_characters_or_length	Store last name input should have min 2 & upto 50 characters
mandatory_field	Store address line 1 input is mandatory
invalid_data	Store address line 1 input is invalid
invalid_characters_or_length	Store address line 1 input should have min 2 & upto 35 characters
invalid_data	Store address line 2 input is invalid
invalid_characters_or_length	Store address line 2 should have min 2 and upto 35 characters
mandatory_field	Store zip code input is mandatory
invalid_data	Store zip code input is invalid
mandatory_field	Store ISD code input is mandatory
invalid_data	Store ISD code input is invalid (eg., input format is +1)
mandatory_field	Store phone number input is mandatory
invalid_data	Store phone number input is invalid
invalid_characters_or_length	Store phone number input must have 10 characters
mandatory_field	MCC code input is mandatory
invalid_data	MCC code input is invalid
invalid_characters_or_length	MCC code input must have 4 characters
invalid_mcc_code	invalid_mcc_code
mandatory_field	Device manufacture input is mandatory
invalid_data	Device manufacturer input is invalid
mandatory_field	Device model input is mandatory
invalid_data	Device model input is invalid
mandatory_field	Application sign input is mandatory
invalid_data	Application sign input is invalid
mandatory_field	Routing type input is mandatory
invalid_data	Routing type is invalid
mandatory_field	Bin number input is mandatory
invalid_data	Bin number input is invalid
invalid_characters_or_length	Bin number input must have 6 characters
invalid_data	Bin number input is invalid
invalid_characters_or_length	Bin number input must have 6 characters
invalid_data	Default label input is invalid
invalid_characters_or_length	Default label input should have min 1 and upto 18 characters
invalid_data	Assign template input is invalid, must be alphanumeric value
invalid_characters_or_length	Assign template input should have min 2 and upto 28 characters
mandatory_field	TPN processor name input is mandatory
mandatory_field	TPN profile input is mandatory
invalid_data	TPN profile input is invalid, must have 2 profiles
mandatory_field	TPN profile id input is mandatory
invalid_data	TPN profile id input should not be same to both profiles
invalid_data	TPN profile id input is invalid
mandatory_field	MID input is mandatory
invalid_data	MID input must be in number
invalid_characters_or_length	MID input must have 12 characters
invalid_data	MID input should not be same in both profiles
mandatory_field	Agent input is mandatory
invalid_data	Agent input must be in number
invalid_characters_or_length	Agent input number must hae 6 digits
mandatory_field	Chain input is mandatory
invalid_data	Chain input must be in number
invalid_characters_or_length	Chain input number must have 6 digits
mandatory_field	Store input is mandatory
invalid_data	Store input must be in number
invalid_characters_or_length	Store input number must have 4 digits
mandatory_field	TermNo input is mandatory
invalid_data	TermNo input must be in number
invalid_characters_or_length	TermNo input must have 4 digits
mandatory_field	TermId input is mandatory
invalid_data	TermId input must be in alphanumeric
invalid_characters_or_length	TermId input must have 8 characters
invalid_data	TermId input should not be same to both profiles
invalid_data	ABA_No input must be number
invalid_characters_or_length	ABA_No input must have 9 digits
invalid_data	Agent_FIID must be in alphanumeric
invalid_characters_or_length	Agent_FIID must have 4 characters
invalid_data	dsGroup input must be alphanumeric
invalid_characters_or_length	dsGroup must contain between 1 and 30 characters
mandatory_field	AccessTokenUser input is mandatory
invalid_data	AccessTokenUser input must be alphanumeric
invalid_characters_or_length	AccessTokenUser must have min 25 characters and should not exceed 56 characters
mandatory_field	AccessTokenPassword input is mandatory
invalid_data	AccessTokenPassword must be in alphanumeric
invalid_characters_or_length	AccessTokenPassword must have min 25 characters and should not exceed 50 characters
invalid_processor_name	invalid_processor_name
invalid_data	TerminalNumber input must be number
invalid_characters_or_length	TerminalNumber must have min 10 characters and should not exceed 16 characters
invalid_data	Password input must be alphanumeric
invalid_characters_or_length	Password must have min 6 characters and should not exceed 16 characters
invalid_data	Track2 input must be alphanumeric
invalid_characters_or_length	Track2 must have min 8 characters and should not exceed 18 characters
invalid_data	ApiKey input can have alphanumeric and following special characters _@.,/#&+’-
invalid_characters_or_length	ApiKey must have 45 characters
invalid_data	MID input can have alphanumeric and following special characters _@.,/#&+’-
invalid_characters_or_length	MID must have 15 characters
invalid_data	TermID input must be number
invalid_characters_or_length	TermID must have 8 characters
invalid_data	GroupID input must be number
invalid_characters_or_length	GroupID must have 5 characters
invalid_data	DID input must be number
invalid_characters_or_length	DID must have 5 characters
invalid_data	RegStatus input can have alphanumeric and following special characters _@.,/#&+’-
invalid_characters_or_length	RegStatus must have min 2 characters and should not exceed 3 characters
mandatory_field	Merchant Id input is mandatory
invalid_characters_or_length	Merchant Id input must have alphanumeric
invalid_data	Merchant Id input is invalid
mandatory_field	Store Id input is mandatory
invalid_characters_or_length	Store Id input must have alphanumeric
invalid_data	Store Id input is invalid

Tap to Pay on iPhone

Messages	Description
notAllowed	Account not allowed
backgroundRequestNotAllowed	Background request not allowed
unsupported	Unsupported hardware or a problem with the device
osVersionNotSupported	Please update your app to the latest iOS version
modelNotSupported	Current device doesn't support NFC
networkError	Please check your network settings and try again
networkAuthenticationError	An authentication error occurred during the server connection
serviceConnectionError	Internal service is unavailable
notReady	Please try the session again to resolve the issue
emptyReaderToken	The token is empty, making it invalid
prepareExpired	Please reinitiate the session to try again
tokenExpired	Token Expired
readerMemoryFull	The card reader is busy
accountNotLinked	Accept the Terms and Conditions using a valid Apple ID
accountAlreadyLinked	Terms and Conditions have already been accepted
accountLinkingFailed	The system couldn't link or relink the merchant using the provided Apple ID
accountLinkingRequiresiCloudSignIn	Please accept the Terms and Conditions on your device while signed into iCloud
accountLinkingCancelled	The linking or relinking operation has been canceled
merchantBlocked	The merchant is blocked
invalidMerchant	The merchant is invalid or unknown
somethingWentWrong	The merchant is invalid or unknown
cardReadFailed	The reader was unable to read a card
invalidAmount	Amount must be positive and contain less than 10 digits
invalidCurrencyCode	Currency code in the request must follow the ISO 4217 standard
nfcDisabled	The user needs to enable their NFC
noReaderSession	No reader session is available or the session isn't ready
passcodeDisabled	Passcode disabled. Please set a security passcode on your device
paymentCardDeclined	The payment card declined the transaction
paymentReadFailed	An internal failure prevented the read operation
pinCancelled	The current PIN capture was canceled, thereby canceling any ongoing read operation
pinNotAllowed	The time window for capturing a PIN after a card read has expired
pinEntryFailed	An error occurred when capturing the PIN
pinEntryTimeout	The ongoing PIN capture was not completed within the given time
pinTokenInvalid	An error that indicates an invalid PIN token
readFromBackgroundError	Read operations aren't allowed when an app is running in the background
readNotAllowed	This error usually occurs when there's an entitlement issue
readNotAllowedDuringCall	Read operations aren't allowed during a phone call
readerServiceConnectionError	The session wasn't able to connect the system UI or other services
readerServiceError	Reader service internal state issue occurred
readerSessionAuthenticationError	An authentication error occurred while refreshing reader session
readerSessionBusy	The reader is busy with another session
readerSessionExpired	The reader session expired and couldn't refresh due to other state changes
readerSessionNetworkError	Network error occurred that prevented a reader session refresh
readerTokenExpired	The configuration token for the reader session expired
vasReadFail	Error occurred when reading a loyalty pass
invalidReaderToken	Invalid reader token
prepareFailed	Prepare session failed
entitlementIssue	Please check the tap on phone entitlement configuration
environmentIssue	The token key environment is not acceptable
deviceSupportTapOnPay	Device Supports Tap to Pay
deviceUnSupportTapOnPay	Your current device does not support NFC
readerSessionCleanUp	Reader session cleaned up

ACH Error Messages

Error	Error Message	Meaning
PAYA_TOKEN_ERR_01	MerchantId cannot be empty	The request failed due to a missing Merchant ID
PAYA_TOKEN_ERR_02	StoreId cannot be empty	The request failed due to a missing Store ID
PAYA_TOKEN_ERR_03	RRN not found for this transaction ID	The system could not locate an RRN for the specified transaction ID
PAYA_TOKEN_ERR_04	RRN not found for this transaction ID	The system could not locate an RRN for the specified transaction ID (Duplicate of PAYA_TOKEN_ERR_03; similar issue)
PAYA_TOKEN_ERR_05	This transaction has already been Declined.	The request cannot be processed as the transaction was previously declined
PAYA_TOKEN_ERR_06	Transaction Already Voided/Refunded	The transaction cannot be reversed again
PAYA_TOKEN_ERR_07	Invalid Payload Request	The request payload is malformed or missing required fields
PAYA_TOKEN_ERR_08	Unable to process: RRN not found for this transaction.	The transaction could not be completed because RRN was missing
PAYA_TOKEN_ERR_09	Unable to process: This transaction has already been voided.	The system rejected the request as the transaction is already voided
PAYA_TOKEN_ERR_10	Unable to process: This transaction has already been Declined.	Further processing is not allowed since the transaction was declined
PAYA_TOKEN_ERR_11	Invalid Payload Request	The request payload is invalid or incomplete
PAYA_TOKEN_ERR_12	Invalid Payload Request	The request structure does not meet validation standards (Similar to ERR_11; malformed or incomplete request)

In-app SDK