Bank Response Codes – Information for Every Carder

Introduction

In the world of banking and financial transactions, there are times when things don’t go as smoothly as expected. Whether you’re making a purchase online or withdrawing cash from an ATM, encountering a bank response code can be frustrating and confusing. But fear not! This comprehensive guide aims to demystify bank response codes, providing you with a deep understanding of their meanings.

Bank Response Codes Explained

Bank response codes are numerical or alphanumeric codes generated by financial institutions to indicate the status of a transaction. These codes are designed to provide information to both merchants and customers regarding the outcome of a transaction request. Each code corresponds to a specific event or error, helping stakeholders identify the nature of the problem and take appropriate action.

The Significance of Bank Response Codes

Bank response codes serve several crucial purposes in the world of financial transactions. Firstly, they inform customers about the status of their transactions, whether they were successful, declined, or require additional verification. Secondly, these codes help merchants identify the reasons for declined transactions, allowing them to take necessary steps to rectify the issue. Lastly, bank response codes assist financial institutions in monitoring and analyzing transaction trends, which in turn helps them enhance security measures and improve overall customer experience.

Common types of responses from the banks every beginner should know include:

• Transaction approved: Your customer’s transaction was processed successfully.
• Insufficient funds: The customer’s bank noted that there was not enough money available on the card.
• Card expired: The card used is expired. Has the card been replaced?
• Refer to issuer: This can mean many different things, ultimately you will need to tell your customer to contact their card issuing bank. Do they have another card they can use?

Please find below a complete list of the Response Codes you may receive from your merchant bank, plus a description of what those responses mean.

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Bank Codes, their Response, Results, and Explanation

Code	Response Text	Result	Explanation
00	Transaction Approved	Successful	The transaction was successful.
01	Refer to Issuer	Fail	The customer’s bank (Card Issuer) has indicated there is a problem with the credit card number. The customer should contact their bank. The customer should use an alternate credit card.
02	Refer to Issuer, special	Fail	The customer’s bank (Card Issuer) has indicated there is a problem with the credit card number. The customer should contact their bank. The customer should use an alternate credit card.
03	No Merchant	Fail	The Merchant ID is invalid, you should contact your Bank and ensure you have provided the correct Merchant Account Number to eWAY.
04	Pick Up Card	Fail	The customer’s bank (Card Issuer) has declined the transaction and requested that your customer’s credit card be retained. (card reported lost or stolen). The customer should use an alternate credit card.
05	Do Not Honour	Fail	The customer’s bank has declined the transaction as the credit card number has failed a security check, or the funds have been frozen or depleted. The customer should use an alternate credit card.
06	Error	Fail	The customer’s bank (Card Issuer) has declined the transaction as there is a problem with the credit card number. The customer should contact their bank. The customer should use an alternate credit card.
07	Pick Up Card, Special	Fail	The customer’s bank (Card Issuer) has declined the transaction and requested that your customer’s credit card be retained. (card reported lost or stolen) The customer should use an alternate credit card.
08	Honour With Identification	Successful	The transaction was successful. Some Banks use this code instead of ‘00’.
09	Request In Progress	Fail	The customer’s bank (Card Issuer) has indicated there is a problem with the credit card number. The customer should contact their bank. The customer should use an alternate credit card.
10	Approved For Partial Amount	Successful	The transaction was successful.
11	Approved, VIP	Successful	The transaction was successful. (This code is not used in Australia.)
12	Invalid Transaction	Fail	The customer’s bank (Card Issuer) has declined the transaction because of an invalid format or field. Check the transaction information and try processing the transaction again.
13	Invalid Amount	Fail	An invalid character (e.g. a dollar sign or a space) maybe being passed to the gateway. Check your website’s code.
14	Invalid Card Number	Fail	The customer’s bank (Card Issuer) has declined the transaction as the Credit Card number does not exist. Check the credit card information and try processing the transaction again.
15	No Issuer	Fail	The customer’s bank (Card Issuer) does not exist. Check the credit card information and try processing the transaction again.
16	Approved, Update Track 3	Successful	The transaction was successful.
19	Re-enter Last Transaction	Fail	The transaction has not been processed and the customer should attempt to process the transaction again.
21	No Action Taken	Fail	The customer’s bank (Card Issuer) has indicated there is a problem with the credit card number. The customer should contact their bank. The customer should use an alternate credit card.
22	Suspected Malfunction	Fail	The customer’s bank (Card Issuer) cannot be contacted during the transaction. The customer should check the credit card information and try processing the transaction again.
23	Unacceptable Transaction Fee	Fail	An unspecified error has occurred.
25	Unable to Locate Record On File	Fail	The customer’s bank (Card Issuer) does not recognize the credit card details. The customer should check the credit card information and try processing the transaction again.
30	Format Error	Fail	The customer’s bank (Card Issuer) does not recognize the transaction details. The customer should check the transaction information and try processing the transaction again.
31	Bank Not Supported By Switch	Fail	The customer’s bank (Card Issuer) has declined the transaction as it does not allow transactions originating through mail/telephone, fax, email, or Internet orders. This error is associated with customers attempting to use a Discover Card. The customer should use an alternate credit card.
33	Expired Card, Capture	Fail	The customer’s bank (Card Issuer) has declined the transaction as Credit Card has expired or the date is incorrect. Check the expiry date in the transaction and try processing the transaction again.
34	Suspected Fraud, Retain Card	Fail	The customer’s bank (Card Issuer) has declined the transaction as there is suspected fraud on this Credit Card number.
35	Card Acceptor, Contact Acquirer, Retain Card	Fail	The customer’s bank (Card Issuer) has declined the transaction and requested that the customer’s credit card be retained (card reported lost or stolen). The customer should use an alternate credit card.
36	Restricted Card, Retain Card	Fail	The customer’s bank (Card Issuer) has declined the transaction and requested that the customer’s credit card be retained. (card reported lost or stolen) The customer should use an alternate credit card.
37	Contact Acquirer Security Department, Retain Card	Fail	The customer’s bank (Card Issuer) has declined the transaction and requested that your customer’s credit card be retained. (card reported lost or stolen) The customer should use an alternate credit card.
38	PIN Tries Exceeded, Capture	Fail	The customer’s bank (Card Issuer) has declined the transaction as the customer has entered the incorrect PIN three times. The customer’s bank (Card Issuer) has requested you retain the credit card. The customer should use an alternate credit card and contact their bank.
39	No Credit Account	Fail	The customer’s bank has declined the transaction as the Credit Card number used is not a credit account. The customer should use an alternate credit card.
40	Function Not Supported	Fail	The customer’s bank (Card Issuer) has declined the transaction as it does not allow this type of transaction. The customer should use an alternate credit card.
41	Lost Card	Fail	The customer’s bank (Card Issuer) has declined the transaction as the card has been reported lost. The customer should use an alternate credit card.
42	No Universal Account	Fail	The customer’s bank (Card Issuer) has declined the transaction as the account type selected is not valid for this credit card number. The customer should use an alternate credit card.
43	Stolen Card	Fail	The customer’s bank (Card Issuer) has declined the transaction as the card has been reported stolen. The customer should use an alternate credit card.
44	No Investment Account	Fail	The customer’s bank (Card Issuer) has declined the transaction as the account type selected is not valid for this credit card number. The customer should use an alternate credit card.
51	Insufficient Funds	Fail	The customer’s bank (Card Issuer) has declined the transaction as the credit card does not have sufficient funds. The customer should use an alternate credit card.
52	No Cheque Account	Fail	The customer’s bank (Card Issuer) has declined the transaction as the credit card number is associated to a cheque account that does not exist. The customer should use an alternate credit card.
53	No Savings Account	Fail	The customer’s bank (Card Issuer) has declined the transaction as the credit card number is associated to a savings account that does not exist. The customer should use an alternate credit card.
54	Expired Card	Fail	The customer’s bank (Card Issuer) has declined the transaction as the credit card appears to have expired. The customer should check the expiry date entered and try again, or use an alternate credit card.
55	Incorrect PIN	Fail	The customer’s bank (Card Issuer) has declined the transaction as the customer has entered an incorrect PIN. The customer should re-enter their PIN, otherwise use an alternate credit card.
56	No Card Record	Fail	The Customer’s bank has declined the transaction as the credit card number does not exist. The customer should use an alternate credit card.
57	Function Not Permitted to Cardholder	Fail	The Customer’s bank has declined the transaction as this credit card cannot be used for this type of transaction. The customer should use an alternate credit card.
58	Function Not Permitted to Terminal	Fail	The Customer’s bank has declined the transaction as this credit card cannot be used for this type of transaction. This may be associated with a test credit card number. The customer should use an alternate credit card.
59	Suspected Fraud	Fail	The customer’s bank has declined this transaction as the credit card appears to be fraudulent.
60	Acceptor Contact Acquirer	Fail	The customer’s bank (card issuer) has declined the transaction. The customer should contact their bank and retry the transaction.
61	Exceeds Withdrawal Limit	Fail	The customer’s bank has declined the transaction as it will exceed the customer’s card limit. The customer should use an alternate credit card.
62	Restricted Card		The customer’s bank has declined the transaction as the credit card has some restrictions. The customer should use an alternate credit card.
63	Security Violation	Fail	The customer’s bank has declined the transaction. The customer should use an alternate credit card.
64	Original Amount Incorrect	Fail	The customer’s bank has declined the transaction due to the amount attempting to be processed. The customer should check the transaction amount and try again.
65	Exceeds withdrawal	FAIL	The customer’s bank has declined the transaction as the customer has exceeded the withdrawal frequency limit. The customer should use an alternate credit card.
66	Acceptor Contact Acquirer, Security	Fail	The customer’s bank has declined the transaction and requested the Merchant to contact the bank. The customer should use an alternate credit card.
67	Capture Card	Fail	The customer’s bank has declined the transaction as the card is suspected to be counterfeit. The customer’s bank (Card Issuer) has requested that your customer’s credit card be retained. The customer should use an alternate credit card.
75	PIN Tries Exceeded	Fail	The customer’s bank has declined the transaction as the customer has entered the incorrect PIN more than three times. The customer should use an alternate credit card.
82	CVV Validation Error	Fail	The customer’s bank has declined the transaction as the CVV is incorrect. The customer should check the CVV details and try again. If not successful, the customer should use an alternate credit card.
90	Cutoff In Progress	Fail	The customer’s bank is temporarily not able to process this customer’s credit card. The customer should attempt to process this transaction again.
91	Card Issuer Unavailable	Fail	The customer’s bank is unable to be contacted to authorize the transaction. The customer should attempt to process this transaction again.
92	Unable To Route Transaction	Fail	The customer’s bank cannot be found for routing. This response code is often returned when the customer is using a test credit card number. The customer should attempt to process this transaction again.
93	Cannot Complete, Violation Of The Law	Fail	The customer’s bank has declined the transaction and requested the customer to contact their bank. The customer should use an alternate credit card.
94	Duplicate Transaction	Fail	The customer’s bank has declined the transaction as this transaction appears to be a duplicate transmission. No action is required.
96	System Error	Fail	The customer’s bank was not able to process the transaction. The customer should attempt to process this transaction again.

Important notes:

1. The text “CUST CONTACT THEIR BANK”/”CONTACT BANK” means that you need to advise your customer to contact their bank to enquire if there is a problem with their card. If repeated attempts to collect money from this customer using a credit card fail, you should request an alternate credit card for payment.
2. The actual response text displayed with a response code may vary between banks and is subject to change at any time. The response text may also vary between test and live systems.
3. The majority of response codes in the range 00-99 are returned by the cardholder’s bank- eWAY and your merchant bank do not have any control over them.

Bank Response Codes and Their Impact on Transactions

Bank response codes play a crucial role in determining the outcome of various financial transactions. Understanding these codes is essential for both customers and merchants to ensure smooth and secure transactions. Let’s delve deeper into the significance of bank response codes and their impact on different types of transactions.

Online Purchases and Bank Response Codes

When making online purchases, customers often encounter bank response codes that provide information about the transaction status. These codes help customers determine whether their payment was successful or declined. Additionally, they help merchants identify potential issues that may have caused a decline. By understanding these codes, customers can take appropriate actions to resolve any problems and complete their purchases successfully.

ATM Withdrawals and Bank Response Codes

Bank response codes also come into play when using ATMs for cash withdrawals. In such cases, these codes indicate whether the transaction was successful or unsuccessful. For instance, a code indicating insufficient funds means that the withdrawal was declined due to a lack of available balance in the account. Similarly, a code indicating an exceeded withdrawal limit suggests that the requested amount exceeds the maximum limit set by the card issuer or the bank.

Point of Sale Transactions and Bank Response Codes

Point of Sale (POS) transactions, where customers make payments using their debit or credit cards at physical stores, are subject to bank response codes as well. These codes determine whether the transaction is approved or declined. For example, if a customer’s card is blocked or flagged for suspicious activity, the code generated would indicate a decline, preventing the transaction from being completed.

International Transactions and Bank Response Codes

Bank response codes also play a role in international transactions. Different countries and financial institutions may have specific response codes for cross-border payments. These codes help customers and merchants identify any issues related to currency conversions, international transaction fees, or limitations on certain types of transactions.

FAQs

1. Q: Can I fix a declined online transaction due to an invalid response code?

   • A: Yes, you can take steps to address a declined online transaction. Start by double-checking the information you entered, including the card details and billing address. If the problem persists, contact your bank to understand the specific reason for the decline and seek their guidance.

2. Q: How can I resolve an issue with a declined ATM withdrawal?

   • A: If your ATM withdrawal is declined due to a response code indicating insufficient funds or an exceeded limit, you can take immediate action. Ensure you have sufficient funds in your account or contact your bank to request a temporary increase in the withdrawal limit.

3. Q: Is it common to encounter bank response codes for POS transactions?

   • A: Yes, it is common to encounter bank response codes for POS transactions. These codes help verify the validity of the card, confirm available funds, and protect against potential fraudulent activities.

4. Q: What should I do if my international transaction is declined with a specific response code?

   • A: If your international transaction is declined and you receive a specific response code, it’s recommended to contact your bank or card issuer. They can provide insights into any limitations or restrictions that may be affecting the transaction and guide you accordingly.

5. Q: Are bank response codes the same for all types of transactions?

   • A: While there are standardized bank response codes used across the industry, some codes may vary depending on the transaction type and the specific financial institution. It’s important to refer to your bank’s documentation or consult with their customer support for accurate information.

6. Q: How can I prevent transaction issues related to bank response codes?

   • A: To minimize transaction issues, ensure you maintain a sufficient balance in your account, update your card information regularly, and stay vigilant for any potential fraudulent activity. Regularly reviewing your account statements and promptly reporting any suspicious transactions can help maintain the security of your financial transactions.

Conclusion

Bank response codes provide valuable information regarding the outcome of various financial transactions. Understanding these codes empowers customers to troubleshoot issues and ensures smoother and more successful transactions. By familiarizing yourself with common bank response codes and their meanings, you can navigate the world of financial transactions with confidence.

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