| CARD BRAND | CARD NUMBER |
| Visa | 4005520000000939 |
| MasterCard | 5405001111111116 |
| Discover | 6011208701111117 |
| Amex | 375987654111116 |
To get AVS and CVV match use the following:
ADDRESS - 1307 Broad Hollow Road
CVV - 123
CVV FOR AMEX - 1234
| Transactions below $100.00 will receive an Approved response. A specific approval code will be returned. |
| Transactions above $100.00 will receive a Declined response. A specific decline code will be returned. |
| The transaction amount sent in the transaction request message is used to determine which error response code will be received in your response. To request an error response code, the last three digits of the transaction amount should be the response code you wish to receive. |
| For example, if you need to receive a response message with a 116 response code, then the request message could contain a transaction amount of $101.16. Likewise, if you need to receive a response message with a 318 response code, then the request message could contain a transaction amount of $403.18. A complete list of response codes can be found within Appendix A of the UMF specification in your SDK zip file. |
| Response Code | Description |
| 000 | Approve |
| 001 | Schema Validation Error |
| 002 | Approve for partial amount |
| 003 | Approve VIP |
| 100 | Do not honor |
| 101 | Expired card |
| 102 | Suspected fraud |
| 103 | Unable to process TeleCheck recurring transaction with this payment type (not associated with insufficient or uncollected funds) |
| 104 | Restricted card |
| 105 | Call acquirer's security department |
| 106 | Allowable PIN tries exceeded |
| 107 | Call for authorization |
| 108 | Refer to issuer's special conditions |
| 109 | Invalid merchant. The merchant is not in the merchant database or the merchant is not permitted to use this particular card |
| 110 | Invalid amount |
| 111 | Invalid Host Totals Date |
| 112 | DES Encryption not allowed from the device / terminal |
| 113 | Host Totals are Incomplete |
| 114 | Invalid account type |
| 116 | Not sufficient funds |
| 117 | Incorrect PIN or PIN length error |
| 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 |
| 129 | Suspected counterfeit card |
| 130 | Invalid terminal |
| 131 | Invalid account number |
| 132 | Unmatched card expiry date |
| 133 | The TPP ID was not found |
| 134 | Not sufficient funds |
| 150 | Invalid merchant set up |
| 151 | Activation failed |
| 152 | Exceeds limit |
| 153 | Already redeemed |
| 154 | Over monthly limit |
| 155 | Recharge amount exceeded |
| 156 | Max number of recharges exceeded |
| 157 | Invalid entry |
| 208 | Lost Card / Lost Check |
| 209 | Stolen card |
| 211 | Invalid SKU number. |
| 212 | Missing conditional data. |
| 213 | Invalid account number for card type. |
| 214 | Invalid payment type/card type for merchant ID. |
| 215 | Invalid transaction for Merchant ID. |
| 216 | Invalid TransArmor request. Not supported for given Payment Type, or Merchant is not enabled for Transarmor |
| 217 | Missing or invalid secure payment data. |
| 218 | Merchant ID not enabled for Secure Code. |
| 219 | Invalid Merchant Category Code |
| 220 | Customer service phone number missing. |
| 221 | Merchant not enabled for soft descriptors, account updater or optimization processing. |
| 222 | Partial auth not allowed. |
| 223 | Customer under 18 years old. |
| 224 | Account blocked – possible compromise. |
| 225 | Bill-to address does not match ship-to. |
| 226 | Invalid preapproval number. |
| 227 | Invalid email address. |
| 228 | Need more ID – request full SSN. |
| 229 | Previously declined/closed account. |
| 230 | One time stop payment requested by cardholder. |
| 231 | Stop payment requested for all payments. |
| 232 | Stop all payments – account closed. |
| 233 | Auth response date not valid. |
| 234 | Issuance under minimum amount. |
| 235 | Outstanding auth – funds on hold. |
| 236 | Activation amount incorrect. |
| 237 | Deny – new card issued. |
| 238 | BIN blocked. |
| 242 | Customer opt-out. |
| 243 | Institution does not accept ACH payments. |
| 244 | Original transaction not approved. |
| 245 | Invalid MICR data. |
| 246 | Declined due to high risk. |
| 247 | Declined due to stand-in rules. |
| 248 | Conditional Approval – Hold shipping for 24 hours |
| 250 | Re-authorization request is declined. Original Auth could not be found. |
| 251 | Re-authorization request is declined. The customer account number, merchant id, or amount did not match the original authorization. |
| 252 | Re-authorization request is declined. The amount significantly exceeds the original request amount. |
| 253 | Re-authorization request is declined. The timeframes for re-authorization have been exceeded. |
| 254 | Counter Offer to Supply Personal Guaranty. |
| 300 | Invalid EAN or SCV. |
| 301 | Lock has expired on prepaid card. |
| 302 | Account closed. The account was closed, probably because the account balance was $0.00 |
| 303 | Unknown account. The account could not be located or the account does not exist in the account table |
| 304 | Inactive account. The account has not been activated by an approved location |
| 308 | Already active. The card is already active and does not need to be reactivated |
| 311 | Not lost or stolen |
| 315 | Bad mag stripe. The mag stripe could not be parsed for account information |
| 316 | Incorrect location. There was a problem with the merchant location |
| 317 | Max balance exceeded. The transaction, if completed, would cause the account balance to be exceeded by the max_balance as specified in the promotion. Some merchants set the max_balance to a value twice the max transaction amount |
| 318 | Invalid amount. There was a problem with the amount field in the transaction format – more or less than min/max amounts specified in the promotion for that transaction |
| 319 | Invalid clerk. The clerk field was either missing, when required, or the content did not match the requirements |
| 320 | Invalid password |
| 321 | Invalid new password. The new password does not meet the minimum security criteria |
| 322 | Exceeded account reloads. The clerk/user/location was only permitted to reload some number of accounts. That number was exceeded. (See your Business Manager in order to extend this limit.) |
| 323 | Password retry exceeded. The user account has been frozen because the user attempted access and was denied. Seek management assistance |
| 326 | Incorrect transaction version or format number for POS transactions |
| 327 | Request not permitted by this account |
| 328 | Request not permitted by this merchant location |
| 329 | Bad_repay_date |
| 330 | Bad checksum. The checksum provided is incorrect |
| 331 | Balance not available (denial). Due to an internal Fiserv Prepaid Closed Loop issue, information from this account could not be retrieved |
| 332 | Account locked |
| 333 | No previous transaction. The void or reversal transaction could not be matched to a previous (original) transaction. In the case of a redemption, the corresponding locking transaction could not be identified |
| 334 | Already reversed |
| 336 | Bad Authorization ID. The Authorization ID test failed |
| 337 | Too many transactions requested |
| 338 | No transactions available/no more transactions available. There are no transactions for this account or there are no transactions as determined by the specified first transaction number |
| 339 | Transaction history not available |
| 340 | New password required |
| 341 | Invalid status change. The status change requested (e.g. lost/stolen, freeze active card) cannot be performed |
| 342 | Void of activation after account activity |
| 343 | No phone service. Attempted a calling card transaction on an account which is not configured for calling card activity |
| 344 | Internet access disabled |
| 345 | Invalid Date or Time |
| 350 | Additional customer authentication required or, Customer Authentication Required (Decline – Discover only) |
| 351 | Customer PIN authentication required |
| 355 | Invalid currency. The provided currency is invalid. |
| 356 | Currency Not Supported |
| 357 | Currency conversion error |
| 359 | The terminal transaction number did not match (on a void or reversal). |
| 367 | Target embossed card entered and Transaction count entered do not match |
| 368 | No account link |
| 369 | Invalid time zone |
| 370 | Account on hold or subscriber not active |
| 372 | Promo location restricted |
| 373 | Invalid Card Account |
| 374 | Product code(s) restricted |
| 375 | Bad Post Date. The Post Date is not a valid date. |
| 376 | Account status is void lock |
| 377 | Already active and reloadable |
| 378 | Account is Purged. The Account record was purged from the database. |
| 380 | Bulk activation error |
| 381 | Bulk activation un-attempted error |
| 382 | Bulk activation package amount error |
| 383 | Store location zero not allowed |
| 384 | Account row locked |
| 385 | Accepted but not yet processed |
| 402 | TransArmor Service Unavailable |
| 403 | TransArmor Invalid Token or Account Number |
| 404 | TransArmor Key Error |
| 414 | Void/Full Reversal request unable to process due to network cut-off window elapsed. A Refund transaction is necessary to reconcile the cardholder’s account. Applicable to Debit networks only. |
| 430 | Prepaid Card Amount Over EU AMLD (Anti-Money Laundering Directive) Limit |
| 500 | Decline |
| 501 | Date of Birth Error for Check Processing |
| 502 | Invalid State Code |
| 503 | New Account Information |
| 504 | Do not try again |
| 505 | Please retry |
| 506 | Invalid Checking Account Number |
| 507 | New Account Information available |
| 508 | Try again later – Declined: Association‘s payment cancellation advice code provided. Applies to recurring authorizations only. These are examples of what may have occurred: the account is over the credit limit try again in 72 hours. |
| 509 | Do not try again – Applies to recurring authorizations only. The card has expired |
| 510 | New Account Information – Applies to recurring authorizations only. The card has expired. |
| 511 | Try again later – Applies to recurring authorizations only. The card has expired. Get the new expiration date and try again. |
| 512 | Service not allowed or invalid surcharge amount |
| 513 | Decline. Transaction not permitted to acquirer or terminal. |
| 514 | Do not try again – Applies to recurring authorizations only. There was security violation. |
| 515 | Declined. No term record on Fiserv system |
| 516 | Please retry – Reasons for this error are one of the following: Format Error, Unable to route transaction, Switch or issuer unavailable, System Busy, Timeout |
| 517 | CVV2 Declined |
| 518 | Invalid account/date or sales date in future |
| 519 | Invalid Effective Date |
| 520 | Reversal Rejected. Do not try again. |
| 521 | Enter lesser amount |
| 522 | Cash Back greater than total Transaction amount |
| 523 | Crypto box is offline |
| 524 | Debit Switch unavailable Timeout Retry – Communications link to debit/EBT network gateway is down or responded with a “System Malfunction (96)” message |
| 525 | Debit/EBT network gateway cannot get through to the ISSUER. |
| 526 | Undefined Card – Debit/EBT network gateway cannot route card based on Merchant Entitlement |
| 527 | Network Response indicates that Merchant ID / SE is invalid |
| 528 | Debit/EBT transaction count exceeds pre-determined limit in specified time/ Withdrawal limit exceeded. |
| 529 | Resubmission of transaction violates debit/EBT network frequency |
| 530 | The authorizing network has a problem decrypting the cryptogram in the request |
| 531 | Retry with 3DS data |
| 532 | The DUKPT Base Derivation key is missing or incorrect in the PIN pad, PIN key synchronization error, or Master session PIN key is missing. |
| 533 | Invalid encryption key offset sent by merchant |
| 534 | Invalid master session key id sent by merchant |
| 539 | No Checking Account |
| 540 | Edit Honor |
| 541 | No Savings Account |
| 542 | DUKPT: An error while processing the PIN block that is not related to the point- of-sale equipment. Contact the Help Desk for assistance. |
| 550 | Invalid Vehicle |
| 551 | Invalid Driver |
| 552 | Invalid Product |
| 553 | Exceeds transaction total limit per product class. |
| 554 | Over daily limit |
| 555 | Invalid Date/Time |
| 556 | Exceeds quantity |
| 557 | Invalid prompt entry |
| 558 | Invalid Track 2 data |
| 559 | Voyager ID problem |
| 560 | Invalid Odometer |
| 561 | Invalid Restriction Code |
| 562 | Pay at pump not allowed |
| 563 | Over fuel limit |
| 564 | Over cash limit |
| 565 | Fuel price error |
| 566 | Y or N required |
| 567 | Over repair limit |
| 568 | Over additive limit |
| 569 | Invalid user |
| 570 | Before 1400 and can't cut. Wait until 2:00 pm Eastern. |
| 571 | Cut time too close to 1400 |
| 572 | Checker/Manager not found |
| 573 | Security insufficient |
| 574 | No transaction security record |
| 575 | Insufficient data |
| 576 | Merchant has mail pending |
| 577 | No messages pending |
| 578 | The Visa OCT / MasterCard MoneySend activity has exceeded preset transaction count or amount limit within a rolling 24-hour period for given merchant. |
| 579 | The Visa OCT / MasterCard MoneySend activity has exceeded preset transaction count or amount limit within a rolling 7-day period for given merchant. |
| 580 | The Visa OCT / MasterCard MoneySend activity has exceeded preset transaction count or amount limit within a rolling 30-day period for given merchant. |
| 581 | The Visa OCT / MasterCard MoneySend Funding activity has exceeded preset transaction count or amount limit within a rolling 24- hour period for this account number. |
| 582 | The Visa OCT / MasterCard MoneySend Funding activity has exceeded preset transaction count or amount limit within a rolling 7- day period for this account number. |
| 583 | The Visa OCT / MasterCard MoneySend Funding activity has exceeded preset transaction count or amount limit within a rolling 30- day period for this account number. |
| 584 | The Visa OCT / MasterCard MoneySend Payment activity has exceeded preset transaction count or amount limit within a rolling 24- hour period for this account number. |
| 585 | The Visa OCT / MasterCard MoneySend Payment activity has exceeded preset transaction count or amount limit within a rolling 7- day period for this account number. |
| 586 | The Visa OCT / MasterCard MoneySend Payment activity has exceeded preset transaction count or amount limit within a rolling 30- day period for this account number. |
| 587 | The single transaction amount limit was exceeded for a Visa OCT/ MasterCard MoneySend transaction for given merchant. |
| 588 | All Visa OCT / MasterCard MoneySend transactions are blocked for a rolling 24 hour period, or 7 day period (current and prior 6 days), or 30 day period (current and prior 29 days) for given merchant |
| 601 | Invalid Batch Number/ Invalid Batch ID or Invalid OpenBatch |
| 602 | No Open Batch |
| 603 | Close Unavailable |
| 604 | Close Not Valid |
| 701 | Approved EMV Key Load |
| 702 | EMV Key Download Error |
| 703 | Approved EMV Key Load, more key load data pending |
| 704 | Pick Up Card |
| 708 | Honor With Authentication |
| 721 | Invalid ZIP Code |
| 722 | Invalid value in the field / Host Totals Declined |
| 723 | Driver's License or ID is Required |
| 724 | Referred – Not Active |
| 726 | Unable to Locate Record On File |
| 727 | Refer – Call Authorization |
| 728 | Referred – Skip Trace Info |
| 729 | Hard Negative Info On File |
| 731 | Rejected Lost/Stolen Checks |
| 740 | Totals Unavailable |
| 767 | Hard Capture; Pick Up |
| 771 | Amount Too Large |
| 772 | Duplicate Return |
| 773 | Unsuccessful |
| 774 | Duplicate Reversal |
| 775 | Subsystem Unavailable |
| 776 | Duplicate Completion |
| 782 | Count Exceeds Limit |
| 785 | No reason to decline– applicable to $0.00 verification requests and may be returned on Online Refund responses. Should be treated as an approval. |
| 790 | Not approved. Used only in Visa bill/recurring payment. Merchant must not resubmit same transaction but may continue billing process in subsequent billing period. |
| 791 | Not approved. Used only in Visa bill/recurring payment. Merchant must stop recurring payment requests. |
| 792 | See attendant. |
| 800 | Deferred authorization not cancelled 801 Over merchandise limit |
| 802 | Imprint card |
| 803 | Not on file |
| 804 | Fuel only |
| 805 | Velocity exceeded |
| 806 | Authorization ID needed |
| 807 | Over non-fuel limit |
| 808 | Invalid location |
| 809 | Over card velocity count |
| 810 | Over card velocity amount |
| 811 | Over issuer velocity count |
| 812 | Over issuer velocity amount |
| 813 | Over merchant daily velocity count |
| 814 | Over merchant daily velocity amount |
| 815 | Over merchant daily velocity both |
| 816 | Over merchant product velocity amount |
| 817 | Over merchant product velocity count |
| 818 | Over merchant product velocity both |
| 819 | Over chain daily velocity count |
| 820 | Over chain daily velocity amount |
| 821 | Over chain daily velocity both |
| 822 | Over chain product velocity count |
| 823 | Over chain product velocity both |
| 824 | Over chain product velocity amount |
| 825 | No chain ID for chain merchant |
| 826 | Signature required |
| 827 | Velocity exception error – pay inside |
| 828 | Exceeds merchant count for period – pay inside |
| 829 | Exceeds merchant amount for period – pay inside |
| 830 | Exceeds merchant count and amount for period – pay inside |
| 831 | Exceeds zip code count for period – pay inside |
| 832 | Exceeds zip code amount for period – pay inside |
| 833 | Exceeds zip code count and amount for period – pay inside |
| 834 | Exceeds state count for period – pay inside |
| 835 | Exceeds state amount for period – pay inside |
| 836 | Exceeds state count and amount for period – pay inside |
| 837 | Exceeds global count for period – pay inside |
| 838 | Exceeds global amount for period – pay inside |
| 839 | Exceeds global count and amount for period – pay inside |
| 840 | Unknown velocity error – pay inside |
| 902 | Invalid transaction. This merchant, card or terminal is not permitted to perform this transaction, or the transaction type is invalid, or Fiserv is unable to route a refund request to the network, or there is an issue with the xml message. If a 902 is returned when submitting a completion for the second time, the first completion submitted has been successfully applied, even if the device did not receive a response in the first completion. |
| 903 | Invalid Reversal Transaction – transaction already settled |
| 904 | Format error. |
| 905 | Unsupported message. Transaction was rejected. Call your helpdesk or operations support. |
| 906 | System Error. There is a problem with the host processing system. Call your helpdesk or operations support. |
| 907 | Card issuer or switch inoperative or processor not available |
| 908 | Transaction destination not found for routing. |
| 909 | System malfunction or timeout |
| 911 | Card issuer timed out. |
| 913 | Duplicate transaction. |
| 914 | Void/Full Reversal request unable to process due to settlement already occurred. A Refund transaction may be necessary to reconcile the cardholder's account. |
| 915 | Timeout Reversal not supported. Resend the original transaction with the same Reference Number that timed out. Do not retry the timeout reversal |
| 916 | Void/Full Reversal request unable to process since the Original Authorization was not found. |
| 920 | Security H/W or S/W error – try again |
| 921 | Security H/W or S/W error – no action |
| 923 | Request in progress |
| 924 | Limit check failed |
| 940 | Error. |
| 941 | Invalid issuer. |
| 942 | Customer cancellation |
| 944 | Invalid response |
| 950 | Violation of business arrangement |
| 954 | CCV failed. |
| 958 | CCV2 failed |
| 959 | CAV failed |
| 963 | Acquirer channel unavailable |