Response code is returned from the Card Schemes and is corresponding to ISO-8583 field 39. Often used values are provided in a table below:
| Response | Description |
|---|---|
| 00 | Approved or completed successfully |
| 01 | Refer to card issuer Call Issuer |
| 03 | Invalid merchant Decline |
| 04 | Capture card Capture |
| 05 | Do not honor Decline |
| 08 | Honor with ID Approve |
| 10 | Partial Approval Approve |
| 12 | Invalid transaction Decline |
| 13 | Invalid amount Decline |
| 14 | Invalid card number Decline |
| 15 | Invalid issuer Decline |
| 30 | Format error Decline |
| 41 | Lost card Capture |
| 43 | Stolen card Capture |
| 51 | Insufficient funds/over credit limit |
| 54 | Expired card Decline |
| 55 | Invalid PIN Decline |
| 57 | Transaction not permitted to issuer/cardholder |
| 58 | Transaction not permitted to acquirer/terminal |
| 61 | Exceeds withdrawal amount limit |
| 62 | Restricted card Decline |
| 63 | Security violation Decline |
| 65 | Exceeds withdrawal count limit |
| 70 | Contact Card Issuer Call Issuer |
| 71 | PIN Not Changed Decline |
| 75 | Allowable number of PIN tries exceeded |
| 76 | Invalid/nonexistent “To Account” specified |
| 77 | Invalid/nonexistent “From Account” specified |
| 78 | Invalid/nonexistent account specified (general) |
| 81 | Domestic Debit Transaction Not Allowed (Regional use only) |
| 84 | Invalid Authorization Life Cycle |
| 85 | Not declined Valid for all zero amount transactions. |
| 86 | PIN Validation not possible Decline |
| 87 | Purchase Amount Only, No Cash Back Allowed |
| 88 | Cryptographic failure Decline |
| 89 | Unacceptable PIN—Transaction |
| 91 | Authorization Platform or issuer system inoperative |
| 92 | Unable to route transaction Decline |
| 94 | Duplicate transmission detected |
| 96 | System error Decline |
