| 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 |