Reason codes
Reason codes are included in the Processor_Reason_Code field of our <<glossary:FAST>> request messages to clients. The value provided in theProcessor_Reason_Codefield and its description in the Processor_Reason_Desc field explains our reason for:
- accepting a transaction
- or declining a transaction
Reason codes and their descriptions
The reason code list below provides all possible Processor_Reason_Code's and their corresponding descriptions in the Processor_Reason_Desc.
Reason code list
| Reason Code (Processor_Reason_Code) | Reason Code Description (Processor_Reason_Desc) |
|---|---|
| 000 | Normally Approved |
| 100 | Do not honour |
| 101 | Expired Card |
| 102 | Suspected Fraud |
| 104 | Restricted Card |
| 106 | Allowable PIN Tries Exceeded |
| 107 | Refer to Card Issuer (not used) |
| 108 | Refer to Card Issuer’s Special Conditions (not used) |
| 109 | Invalid Merchant |
| 110 | Invalid Amount |
| 111 | Invalid Card Number (No such number) |
| 112 | Account Enquiry on invalid card |
| 113 | Invalid MAC |
| 114 | No Account of Type Requested |
| 115 | Requested Function Not Supported |
| 116 | Not Sufficient Funds |
| 117 | Incorrect PIN |
| 118 | No Card Record |
| 119 | Transaction Not Permitted to Cardholder |
| 120 | Transaction Not Permitted to Terminal |
| 121 | Exceeds Withdrawal Amount Limit |
| 122 | Security Violation |
| 123 | Exceeds Withdrawal Frequency Limit |
| 124 | Violation of Law |
| 125 | Card not effective |
| 126 | Invalid PIN block |
| 127 | PIN length error |
| 128 | PIN key synchronization error |
| 129 | Suspect counterfeit |
| 130 | PIN entry required, PIN pad present, but PIN was not entered |
| 131 | Multiple Card Record |
| 132 | Invalid card number so default (garbage collection) account assigned |
| 140 | MADA Token Verification Result Failed |
| 150 | ASI failure within 24h - decline regular purchase |
| 170 | Cardholder contact Issuer |
| 171 | PIN not changed |
| 177 | Invalid currency code |
| 178 | ICC decline, after card-initiated referral |
| 179 | PIN change declined (new PIN unsafe) |
| 183 | No chequing account |
| 185 | CVV Validation Error |
| 188 | Restricted/No Funds |
| 189 | Forex not available |
| 190 | Transaction Count Limit Exceeded |
| 191 | SCA Contactless Limits Exceeded |
| 192 | SCA Ecommerce Limits Exceeded |
| 193 | Soft Decline Requires SCA |
| 196 | Chip Transaction – invalid cryptogram (9f27 <> 80) |
| 197 | ICC card authentication failed |
| 199 | Chip Txn, ARQC match fail |
| 200 | Acc Enq. Decline for other reasons |
| 201 | Pin mismatch in a pin change request |
| 202 | Decline Account enquiry check (Acc Enq DE4<>0 set DE39= 30 ) |
| 203 | Acc Enq DE3_1<>00 set DE39= 30 |
| 204 | Acc Enq no avs, no cvv req |
| 205 | MagStripe Compliance Fail (informed by acquirer) |
| 206 | ARQC Match Fail |
| 207 | Crypto Type Incorrect |
| 208 | NO Track Data |
| 209 | Two Tracks Data |
| 210 | Acquir not qualified for mag txn - decline |
| 211 | MPOS+chip Txn + unblock. Refer to card issuer |
| 212 | NO CVV, NOT Chip, NOT off premesis=> DE39=00 |
| 213 | NO CVV, NOT Chip, Not Recurring => DE39=57 |
| 214 | NO CVV, NOT Chip, is Recurring => DE39=00 |
| 215 | NO CVV, NOT Chip, is 0 amt => DE39=85 |
| 216 | CVV1 fail |
| 217 | CVV2 match fail |
| 218 | Account Status Enquiry – inform Retailer, CVV2 NOT matching. |
| 219 | Cashback req at POS that does not support it |
| 220 | DE22=80 fallback => Decline |
| 221 | DE22=79 fallback => DE39=05 |
| 222 | Not ARQC Cryptogram |
| 223 | Pin change requested via (ATM) |
| 224 | Cash request at non bank (Mcc<> 6010,6011) => decline |
| 225 | Chip pin tries exceeded via previous attempts |
| 226 | Bad Pin Change request (bad or missing De125 – new pin) |
| 230 | Address verification (AVS). Processor not providing any matchable data |
| 231 | US address- zip matches, address does not |
| 232 | Address match, postcode not match |
| 233 | US: zip and address match, non-us: Postcode and address match |
| 234 | Neither address nor postal code matches. |
| 237 | AVS check not supported by Processor |
| 240 | 3DS IAV verified by Mastercard On behalf |
| 241 | AAV skipped based on product config |
| 242 | AAV skipped based on merchant risk |
| 250 | No Track Data |
| 251 | DE2 and Track 2 Pan not matching |
| 252 | Two tracks provided – DE35 & De45 |
| 254 | This card has not been found in the system |
| 255 | Unknown card reading method |
| 256 | Expiry check fail (De14 provided but not matching Expiry in track) |
| 258 | Expiry in DE14 not matching Database stored Expiry for this card |
| 259 | Card is not same as original pre auth transaction |
| 260 | Merchant ID is not same as original transaction |
| 264 | DE39 set to 85 because it is approve but no amount included (de4=0) |
| 265 | DE39 set to 85 (approve) but no amount included (de4=0), pin unblock request |
| 277 | Card blocked (1005) due to pin tries exceeded |
| 278 | Unauthenticated gambling transaction (3DS) |
| 279 | Unauthenticated gambling transaction (Merchant Initiated Transaction (MIT)) |
| 290 | Service code mismatch |
| 291 | Txn FROM banned country |
| 293 | Apple pay recommended decline reason code received |
| 310 | ON BEHALF: DE48 SF71: Valid Cryptogram (AC); ATC outside allowed range |
| 311 | ON BEHALF: DE48 SF71: Invalid Cryptogram |
| 312 | ON BEHALF: DE48 SF71: Valid AC Crypto; ATC Replay |
| 313 | ON BEHALF: DE48 SF71: Unable to process |
| 314 | ON BEHALF: DE48 SF71: AC Crypto valid but not an ARQC or TC, status of TVR/CVR unknown |
| 319 | On Behalf services (processor rsn code in (212, 213, 214, 215)) |
| 320 | ON BEHALF: DE48 SF71: Valid ARQC/TC and ATC; TVR/CVR invalid |
| 400 | Overrides: Nwk_status override : to force decline |
| 401 | Overrides: Nwk_status override : Refer card to Issuer |
| 402 | Overrides: Nwk_status override : Capture card (beware of cost) |
| 403 | Nwk_status override : Restricted card – general decline |
| 404 | Overrides: Nwk_status override : Honour Txn with ID |
| 405 | Overrides: Nwk_status override : Lost card (Capture + costs) |
| 406 | Overrides: Nwk_status override : Stolen card (Capture + costs) |
| 407 | Overrides: Nwk_status override : Expired Card |
| 408 | Overrides: Nwk_status override : Lost card – general decline (no cost) |
| 409 | Overrides: Nwk_status override : Stolen card general decline (no cost) |
| 410 | Overrides: Nwk_status override : Expired card – general decline |
| 411 | Overrides: Nwk_status override : Void card general decline (no cost) |
| 413 | Blocked By Rules |
| 414 | Nwk_status override : Inactive card – formal decline |
| 415 | Nwk_status override : Void card – formal decline |
| 450 | Token flags: Decline all Contactless flag set to 1 |
| 451 | Token flags: Decline all ATM Cash flag set to 1 |
| 452 | Token flags: Decline Bal enquiry flag set to 1 |
| 453 | Token flags: Decline failover to mag at EMV-capable ATM flag set to 1 |
| 454 | Token flags: Decline mag at ATM flag set to 1 |
| 455 | Token flags: Decline Card not present txns flag set to 1 |
| 456 | Token flags: Decline Cardholder not present (excluding e-commerce and recurring) txns flag set to 1 |
| 457 | Token flags: Sets card to decline all account enq txns flag set to 1 |
| 458 | Token Flags: Decline All non-MDES (and non-e-com) card flag set to 1 |
| 459 | Token flags: Sets card to decline Auth credit pur/refund txns flag set to 1 |
| 460 | Token flags: Sets card to decline cash back txns flag set to 1 |
| 461 | Token flags: Decline standing order or recurring txns flag set to 1 |
| 462 | Token flags: Sets card to decline non-base currency txn flag |
| 500 | Token flags: Decline all E-commerce flag set to 1 |
| 501 | Card enrolled to 3DS verification but verification failed |
| 502 | TAVV verification failed |
| 510 | Token flags: Sets card to decline credit payment txns flag set to 1 |
| 511 | Token Flag Bypass AVS validation enabled – Address match failed |
| 512 | Token Flag Bypass AVS validation enabled – Postal Code match failed |
| 513 | Token Flag Bypass AVS validation enabled – Address and Postal Code match success |
| 514 | Token Flag Bypass AVS validation enabled – Both Address and Postal Code match failed |
| 515 | Invalid ATC |
| 601 | Account Status set to decline |
| 700 | Unreached Active Client |
| 701 | Unreached Active Client, internal STIP decision approved |
| 899 | Request Field Format Error |
| 900 | Response Timed Out |
| 910 | Response Format Error |
| 920 | Response Field Format Error |
| 930 | Response Overridden |
| 940 | STIP By Issuer Processor |
| 950 | Request Field Format Error |
Decision and reason code scenarios
The scenarios included below indicate the Processor_Decision_Code and Processor_Reason_Code fields within the FAST request message that would apply.
They are intended to be used by clients to support the authorization decision process.
You can refer to the Reason code list above to understand the Processor_Reason_Code further.
Scenarios
| Scenario | Processor_Decision_Code | Processor_Reason_Code |
|---|---|---|
| Card Status = 1001 (refer to issuer) | 01 | 401 |
| Cash withdrawal request from non bank terminals. | 03 | 224 |
| Card Status = 1004 (capture card) | 04 | 402 |
| Card Status = 1005 (decline all transactions) | 05 | 400 |
| Card status = 1140 (lost card - no capture) | 05 | 408 |
| Card Status = 1143 (stolen card - no capture) | 05 | 409 |
| Card Status = 1154 (expired card - do not inform) | 05 | 410 |
| Card Status = 1199 (void card) | 05 | 411 |
| DE49 <> product billing currency | 05 | 462 |
| Same ATC received and same ATC not allowed | 05 | Processor_Decision_Desc: ATC same, decline p39=05 |
| DE48_89 present in transaction indicating Magstripe compliance error | 05 | 205 |
| Wallet provider recommends decline of the tokenization authorization message (DE124_13) | 05 | 293 |
| Whenever an exception is thrown from the stored procedure | 05 | |
| Card Status = 1008 (honour with ID) | 08 | 404 |
| Transaction from unissued card | 14 | 132 |
| Transaction from unissued card but previously received txn from it | 14 | 132 |
| Transaction from unissued card and unissued BIN | 14 | 132 |
| Transaction from the card with lower PAN sequence number is received | 14 | 258 |
| Expiry of card <> DE14 of transaction | 14 | 258 |
| Expiry saved for the card is 9999 | 14 | 254 |
| Expiry in DE14 doesn't match to the expiry received in track2 | 14 | 256 |
| ASI transaction for invalid card | 14 | 112 |
| ASI transaction with non-zero balance in txn | 30 | 202 |
| ASI transaction with processing code other than 00 or 28 | 30 | 203 |
| EMV chip transaction without ATC (9F36) data except for credit transactions | 30 | 899 |
| Card Status = 1041 | 41 | 405 |
| Card Status = 1043 | 43 | 406 |
| Card Status = 1054 | 54 | 407 |
| Expiry of card is less than current date | 54 | 258 |
| PIN received in transaction does not match to PIN stored in system | 55 | 117 |
| PIN not received in single tap and PIN transaction | 55 | 130 |
| PIN tries had already exceeded in a single tap and PIN transaction and the PIN wasn't received | 55 | 225 |
| Tok flag position 27 set to decline transaction based on acquirer not qualified for mag stripe. | 57 | 210 |
| Tok flag position 9 set to decline ecommerce transaction | 57 | 500 |
| Tok flag position 5 set to decline non-MDES (and non-ecom) transactions | 57 | 458 |
| Tok flag position 6 set to decline all contactless transactions | 57 | 450 |
| Tok flag position 10 set to decline all ATM cash withdrawal transactions | 57 | 451 |
| Tok flag position 11 set to decline all balance enquiry transactions | 57 | 452 |
| Tok flag position 24 set to decline failover at emv capable atm transactions | 57 | 453 |
| Tok flag position 25 set to decline mag transaction at ATM | 57 | 454 |
| Tok flag position 22 set to decline card not present transactions | 57 | 455 |
| Tok flag position 23 set to decline cardholder not present transactions | 57 | 456 |
| Tok flag position 21 set to decline all account status inquiry (ASI) transactions | 57 | 457 |
| Tok flag position 29 set to decline recurring transaction | 57 | 461 |
| Tok flag position 14 set to decline auth credit/purchase refund transactions | 57 | 459 |
| Tok flag position 12 set to decline he cash back transaction | 57 | 460 |
| Tok flag position 19 set to decline the credit payment transaction | 57 | 510 |
| No arqc, no track 1, no track 2 and transaction is cash withdrawal/PIN change/PIN unblock | 57 | 250 |
| No arqc but both track 1 and track 2 is provided in the transaction | 57 | 252 |
| HSM could not decrypt new PIN in PIN change transaction | 57 | 226 |
| PIN not entered in a PIN pad present terminal | 57 | 130 |
| Address does not match to that of the system | 57 | 231 |
| Post code does not match to that of the system | 57 | 232 |
| Address and post code do not match to that of the system | 57 | 234 |
| CVV1 validation failed | 57 | 216 |
| CVV3 validation failed | 57 | 600 |
| CVV4 validation failed | 57 | 218 |
| No security data present for validation | 57 | 213 |
| 3DS verification failed for enrolled card | 57 | 501 |
| Fallback transaction (DE22 = 80) | 57 | 220 |
| Fallback transaction (DE22 = 79) | 57 | 221 |
| Service code of card stored in system does not match to service code received in track 2 (DE35) | 57 | 290 |
| Incremental transaction after 30 days of same transaction thread | 57 | 119 |
| Recurring transaction without original transaction | 57 | 238 |
| Card setup for multi-account but associated account not found | 57 | Processor_Decision_Desc: Valid multi-account not found |
| Status of the account associated to the card is not active | 57 | 601 |
| Device score provided by wallet provider during MDES tokenization authorization for apple pay was 1 (in DE124) | 57 | 292 |
| Card Status = 1062 | 62 | 104 |
| Transaction form the country marked as banned | 62 | 291 |
| CVV2 validation failed | 63 | 217 |
| Online PIN tries exceeded on a single tap and PIN transaction | 65 | 106 |
| Offline PIN tries exceeded and is a single tap and PIN transaction | 65 | 106 |
| Ecommerce/COF transaction without AAV validation or failed validation and SCA exemption criteria not satisfied | 65 | Processor_Decision_Desc: SCA exempted, decline |
| General overriding decline response code for PIN unblock transaction | 70 | Processor_Decision_Desc: PIN unblock fail because other validations decline |
| Transaction declined in a PIN change transaction due to some reason and hence the script could not be sent in the response | 71 | Processor_Decision_Desc: Cannot issue PIN change script as txn is a decline |
| Card Status = 1006 | 75 | 412 |
| Online PIN tries exceeded | 75 | 106 |
| Cashback transaction in POS terminal where cashback is not allowed ( DE3_1 = 09 and DE48 SF61 SE2 = 1) | 87 | 219 |
| ARQC validation failed and 9F27 = 80 | 88 | 199 |
| ARQC validation failed and 9F27 <> 80 | 88 | 196 |
| Application cryptogram is invalid | 88 | 207 |
| Online PIN mismatch during PIN change request | 89 | 201 |
Updated 5 months ago