Bank Response Codes

Each time a transaction is processed through the CAS payment gateway to the bank, the bank returns a 2 digit response code which identifies the reason the payment was approved or declined. A full list of response codes is included below.

Please Note – some response codes may not be applicable to payments processed via an online channel, like your website.

Code	Response Description	Result

00	Transaction Approved	✔
01	Refer to Issuer	X
02	Refer to Issuer, special	X
03	No Merchant	X
04	Pick Up Card	X
05	Do Not Honour	X
06	Error	X
07	Pick Up Card, Special	X
08	Honour With Identification	✔
09	Request In Progress	X
10	Approved For Partial Amount	✔
11	Approved, VIP	✔
12	Invalid Transaction	X
13	Invalid Amount	X
14	Invalid Card Number	X
15	No Issuer	X
16	Approved, Update Track 3	✔
19	Re-enter Last Transaction	X
21	No Action Taken	X
22	Suspected Malfunction	X
23	Unacceptable Transaction Fee	X
25	Unable to Locate Record On File	X
30	Format Error	X
31	Bank Not Supported By Switch	X
33	Expired Card, Capture	X
34	Suspected Fraud, Retain Card	X
35	Card Acceptor, Contact Acquirer, Retain Card	X
36	Restricted Card, Retain Card	X
37	Contact Acquirer Security Department, Retain Card	X
39	No Credit Account	X
41	Lost Card	X
42	No Universal Account	X
43	Stolen Card	X
51	Insufficient Funds	X
54	Expired Card	X
56	No Card Record	X
57	Function Not Permitted to Cardholder	X
59	Suspected Fraud	X
60	Acceptor Contact Acquirer	X
62	Restricted Card	X
63	Security Violation	X
64	Original Amount Incorrect	X
66	Acceptor Contact Acquirer, Security	X
67	Capture Card	X
82	CVV Validation Error	X
90	Cutoff In Progress	X
91	Card Issuer Unavailable	X
92	Unable To Route Transaction	X
93	Cannot Complete, Violation Of The Law	X
94	Duplicate Transaction	X
96	System Error	X