General Bank Response Codes

There are code explain a reason, why transaction was successful approved or decline.


Everytime when transaction is processed through the CAS payment gateway to the bank, the bank returns a code (2 digit). This bank response code determine the same reason of transaction result. And DUMPKINGOM offer to learn reasons and their description.


That will help to decide your problems with payment and searching BIN. Important - you should understand that actual response text first bank may different from response code another banks. In addition is able to change at any time.


THE FULL LIST OF RESPONSE CODES


General Bank Response Codes

Code

Response

Detailed Response

00

Transaction Approved

The transaction Approved Successfully

01

Refer to Issuer

The customer should use an another credit card, or contact their bank because the customer’s card issuer has indicated there is a problem with the credentials used in the transaction.

01

Do Not Honour

Declined by Beagle. This error indicates that one of the Beagle rules has triggered. Check the transaction details against the account’s Beagle Settings.

01

Do Not Honour

Declined by Bendigo. This error will be received by Bendigo merchants who are not passing the CVN.

02

Refer to Issuer, Special

The customer’s card issuer has indicated there is a problem with the card number. The customer should use an another credit card, or contact their bank.

03

No Merchant

This error indicates that either your merchant facility is non-functional or the details entered into eWAY are incorrect.

04

Pick Up Card

The customer’s card issuer has declined the transaction and requested that the card be retained as the card may have been reported because of lost or stolen.

05

Do Not Honour

The '05 Do Not Honour' error is a generic bank response code that has several possible causes. However it does generally indicate a card error rather than an error with your merchant facility. The '05' error indicates your bank declining the customer's card for an unspecified reason.

06

Error

The customer’s card issuer has declined the transaction because of there is a problem with the card number. The customer should contact their card issuer and/or use an another card.


Note: This response code can also be returned via the Rapid API if you run a transaction query prior to the transaction being completed.

08

Honour with Identification

Transaction processed successfully - identification NOT required. This code is returned by some banks in place of 00 response.

09

Request in Progress

The card issuer has indicated there is a problem with the card number. The customer should contact

their bank and/or use an another credit card.

10

Approved for Partial Amount

The transaction was successful.

11

Approved VIP

The transaction was successful.

12

Invalid Transaction

The bank has declined the because of of an invalid format or field. This indicates the card details were incorrect. Check card data entered and try again.

Ensure there are no spaces, or special characters (, &, $) in the card number.

13

Invalid Amount

The customer’s card issuer has declined the transaction because of an invalid format or field. Check the transaction information and try processing the transaction again.

An invalid character (e.g. a dollar sign or a space) may be being passed to eWAY.

Note: Transaction amounts should be passed to eWAY in cents form only - ie, $10 should be passed as 1000.

You may need to speak with your web developer to review the code that is being passed to eWAY for transaction amount.

If you are attempting to charge in a currency other than your local currency, contact eWAY to ensure your account is able to support foreign currencies, and has been configured correctly.

14

Invalid Card Number

The card issuing bank has declined the transaction because of the credit card number is incorrectly entered, or does not exist. Check card details and try processing again.

15

No Issuer

The customer’s card issuer does not exist. Check the card information and try processing the transaction again.

19

Re-Enter Last Transaction

The transaction has not been processed and the customer should attempt to process the transaction again. No further information is provided from the bank because of to the reason why this was not processed.

21

No Action Taken

The customer’s card issuer has indicated there is a problem with the credit card number. The customer should use an another credit card, or contact their bank.

22

Suspected Malfunction

The customer’s card issuer could not be contacted during the transaction. The customer should check the card information and try processing the transaction again.

23

Unacceptable Transaction Fee

An unspecified bank error has occurred. No further information is available from eWAY or the bank. The customer should attempt to process the transaction again.

25

Unable to Locate Record on File

The customer’s card issuer does not recognise the credit card details. The customer should check the card information and try processing the transaction again.

30

Format Error

The customer’s card issuer does not recognise the transaction details being entered. This is due to a format error. The customer should check the transaction information and try processing the transaction again.

31

Bank Not Supported by Switch

The customer’s card issuer has declined the transaction because of it does not allow transactions originating through mail/telephone, fax, email or Internet orders.

33

Expired Card, Capture

The customer’s card issuer has declined the transaction because of Card has expired or the date is incorrect. Check the expiry date in the transaction and try processing the transaction again. Sometimes, this error code will be provided if the expiry date is entered incorrectly, NOT only for expired cards.

34

Suspected Fraud, Retain Card

The customer’s card issuer has declined the transaction because of there is a suspected fraud on this credit card number.

You should check transactions processed after any declined transactions receiving this particular error to monitor for fraudulent transactions on another cards.

35

Card Acceptor, Contact Acquirer, Retain Card

The customer’s card issuer has declined the transaction and requested that your customer’s card be retained as the card was reported as lost or stolen.

36

Restricted Card, Retain Card

The customer’s card issuer has declined the transaction and requested that your customer’s card be retained.

37

Contact Acquirer Security Department, Retain Card

The customer’s card issuer has declined the transaction and requested that your customer’s card be retained.

38

PIN Tries Exceeded, Capture

The customer’s card issuer has declined the transaction because of the customer has entered the incorrect PIN three times.


39

No Credit Account

The customer’s card issuer has declined the transaction because of the Credit Card number used is not a credit account.

40

Function Not Supported

The customer’s card issuer has declined the transaction because of it does not allow this type of transaction.

41

Lost Card

The customer’s card issuer has declined the transaction because of the card has been reported lost.

42

No Universal Account

The customer’s card issuer has declined the transaction because of the account type selected is not valid for this credit card number. The customer should use an another credit card, or contact their bank.

43

Stolen Card

The customer’s card has been reported because of stolen. While you could contact this customer yourself, it's very possible that this transaction is fraudulent. Tread carefully.

44

No Investment Account

The customer’s card issuer has declined the transaction because of the account type selected is not valid for this credit card number.

51

Insufficient Funds

The customer’s card issuer has declined the transaction because of the credit card does not have sufficient funds. Advise your customer of this fact, and they should either use an another card or contact their bank.

52

No Cheque Account

The customer’s card issuer has declined the transaction because of the credit card number is associated to a cheque account that does not exist.

53

No Savings Account

The customer’s card issuer has declined the transaction because of the credit card number is associated to a savings account that does not exist.

54

Expired Card

The customer’s card is expired. Contact your customer and confirm that the correct dates were entered and that there were no mistakes (e.g. 05/21 rather than 05/20).

Note: Invalid expiry dates (ie, expiry year is in the past) are not able to be passed through eWAY.

55

Incorrect PIN

The customer’s card issuer has declined the transaction because of the customer has entered an incorrect PIN. The customer should re-enter their PIN.

56

No Card Record

The customer’s card issuer has declined the transaction because of the credit card number does not exist. The customer should re-enter their card details, or use an another credit card.

57

Function Not Permitted to Cardholder

The customer’s card issuer has declined the transaction because of this credit card cannot be used for this type of transaction. The customer should use an another credit card, or contact their bank.

58

Function Not Permitted to Terminal

The customer’s card issuer has declined the transaction because of 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 another credit card, or contact their bank.

59

Suspected Fraud

The customer’s card issuer has declined this transaction because of the credit card appears to be fraudulent. While you could contact this customer yourself, it's very possible that this transaction is fraudulent. Tread carefully.

60

Acceptor Contact Acquirer

The customer’s card issuer has declined the transaction. The customer should contact their bank and retry the transaction.

61

Exceeds Withdrawal Limit

The customer’s card issuer has declined the transaction because of it will exceed the customer’s card limit. The customer should use an another credit card, or speak with their bank.

62

Restricted Card

The customer’s card issuer has declined the transaction because of the credit card has some restrictions. The customer should use an another credit card, or contact their bank.

63

Security Violation

The customer’s card issuer has declined the transaction. The customer should use an another credit card, and contact their bank.

64

Original Amount Incorrect

The customer’s card issuer has declined the transaction due to the amount attempting to be processed. The customer should check the transaction amount and try again, contacting their card issuer should the problem persist.

65

Exceeds withdrawal

The customer’s card issuer has declined the transaction because of the customer has exceeded the withdrawal frequency limit.

66

Acceptor Contact Acquirer, Security

The customer should use an another credit card. Neither eWAY nor the bank can provide more details.

67

Capture Card

The customer’s card issuer has declined the transaction because of the card is suspected to be a counterfeit. The customer’s card issue has requested that your customer’s credit card be retained by you.

While you can contact the customer yourself, it's very possible that this transaction is fraudulent. Tread carefully.

75

PIN Tries Exceeded

The customer’s card issuer has declined the transaction because of the customer has entered the incorrect PIN more than three times.

82

CVV Validation Error

The customer’s card issuer has declined the transaction because of the CVV is incorrect. The customer should check the CVV details (the 3 numbers on the back for Visa/MC, or 4 numbers on the front for AMEX) and try again. If not successful, the customer should use an another credit card.

90

Cutoff In Progress

The customer’s card issuer is temporarily not able to process this customer’s credit card. The customer should attempt to process this transaction again.

91

Card Issuer Unavailable

The customer’s card issuer is unable to be contacted to authorise the transaction. The customer should attempt to process this transaction again. If the problem persists, there may be an issue with the card issuing bank, and the cardholder should contact their bank.

92

Unable To Route Transaction

The customer’s card issuer 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

The customer’s card issuer has declined the transaction and request the customer to contact their bank.

94

Duplicate Transaction

The customer’s card issuer has declined the transaction because of this transaction appears to be a duplicate transmission. Check this is the case and process the transaction again if needed.

96

System Error

The customer’s card issuer was not able to process the transaction. The customer should attempt to process this transaction again.


Now you know cause of your problem and I wish you to solve it faster.


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