Error Codes & Messages
Processor Error Codes & Messages
| Error Codes | Messages | Description |
|---|---|---|
| 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) | |
| 05 | DECLINE Do not honor | |
| 06 | ERROR General error | General error. |
| 07 | HOLD-CALL Pick up card, special condition (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 | 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 | The file is temporarily unavailable. |
| 30 | MSG FORMAT ERROR Transaction was improperly formatted | The transaction format is incorrect. |
| 39 | NO CREDIT ACCT No credit account | No credit account. |
| 41 | HOLD-CALL Lost card, pick up (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 was insufficient funds in the cardholder's bank account. |
| 52 | NO CHECK ACCOUNT No checking account | |
| 53 | NO SAVE ACCOUNT No savings account | |
| 54 | EXPIRED CARD Expired card | |
| 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 | |
| 77 | NO ACTION TAKEN Inconsistent, reversed, or repeat data | |
| 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 | |
| 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 | |
| 93 | DECLINE Violation, cannot complete | |
| 94 | DUPLICATE TRANS Unable to locate, no match | |
| 96 | SYSTEM ERROR System malfunction | The system has malfunctioned and cannot process the transaction. |
| 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 | The region code provided is invalid. |
| A9 | INVALID COUNTRY CODE Country code not valid | The country code provided 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, which prevents the transaction from being processed securely. |
| E2 | TERM NOT AUTHENT Terminal is not authenticated | The terminal is not authenticated, meaning the transaction cannot proceed. |
| E3 | DECRYPT FAILURE Data could not be decrypted | The transaction data could not be decrypted, resulting in a failure. |
| 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. |
Freedom to Design Error Codes & Messages
| Codes | Description |
|---|---|
| FTD_001 | Card number is not valid, Please try with a valid card number |
| FTD_002 | Card CVV is not valid,Please try with valid CVV |
| FTD_003 | Card has expired |
| FTD_004 | Card expiry month is not valid |
| FTD_005 | Invalid card expiration date |
| FTD_006,FTD_009 | Data tokenization key is not valid, Please try with valid key |
| FTD_007 | Requested origin is not registered. Please contact support team |
| FTD_010 | Invalid request, Please try again |
Tap to Pay on iPhone Error Codes & Messages
| 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 |
Hosted Payment Page Error Codes & Messages
Error Response Code & Message - Upon Payment Form Generate URL request
| Error Response Code | 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 |
Spin Specification Error Codes & Messages
| <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. |
Printer SDK Error Codes & Messages
| 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 Error Codes & Messages
| 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. |