NO EXISTING HOST

The host system does not exist or is unreachable.

FEES N/A PROFILE

Fee settings are missing or misconfigured in the merchant profile.

STMT/TXN INPRGRS

A settlement or transaction is still being processed.

NO ORIGINAL TXN

The original transaction reference is missing or invalid.

INCAUTH N/A AMEX

Incomplete or unavailable AMEX authorization.

INVALID YEAR

The card's expiration year is incorrect or not accepted.

INVALID MONTH

The card's expiration month is incorrect or not accepted.

HOST NO RESPONSE

The acquiring host did not respond.

GATEWAY KEY ERR

Error with the encryption key used for secure gateway communication.

R02 RISK FLAGGED

Too many transactions or declines using cards that share the same BIN within a short time. BIN is blocked to prevent abuse.

R03 RISK FLAGGED

High number and percentage of declined transactions within a short time — TPN is deactivated due to suspicious activity.

R04 RISK FLAGGED

Transaction volume for the current open batch has reached its daily limit. No new sales are allowed until the batch is closed.

R05 RISK FLAGGED

The daily limit for manual refunds was exceeded — either in total amount or number of refunds.

R06 RISK FLAGGED

A sale transaction exceeded the maximum amount allowed for this terminal.

R07 RISK FLAGGED

A manual refund exceeded the allowed limit for this terminal.

R08 RISK FLAGGED

Daily EMV fallback limit reached. Further fallback transactions are blocked to prevent fraud.

R09 RISK FLAGGED

International card transactions are not allowed for this terminal.

R10 RISK FLAGGED

Too many transactions attempted using any cards (not limited to a BIN) in a short time. TPN is blocked to prevent bot-based attacks.

R11 RISK FLAGGED

Refunds to international cards are restricted. Only domestic card refunds are allowed on this terminal.

R12: INVALID CVV

The CVV code didn’t match the card. The transaction was declined and automatically voided.

R12: INVALID ZIP

The ZIP code didn’t match the billing address. The transaction was declined and automatically voided.

APPROVAL

Approved and completed

Transaction approved and successfully completed.

CALL

Refer to issuer

Refer the cardholder to the issuer.

CALL

Refer to issuer-Special condition

Refer the cardholder to the issuer for a special condition.

TERM ID ERROR

Invalid Merchant ID

Invalid Merchant ID.

HOLD-CALL

Pick up card (no fraud)

Lost card used to perform the transaction. Requesting the merchant to retain the card, but with no suspicion of fraudulent activity.

DECLINE

Do not honor

Transaction was declined by the processor.

ERROR

General error

General error.

HOLD-CALL

Pick up card, special condition (fraud account)

Lost card used to perform the transaction. Suspicion of fraud account.

APPROVAL

Honor Mastercard with ID

PARTIAL APPROVAL

Partial approval for the authorized amount returned in Group III version 022

Partial approval granted for the authorized amount returned in Group III version 022.

APPROVAL

VIP approval

Transaction approved with VIP status.

INVALID TRANS

Invalid transaction

Invalid transaction.

AMOUNT ERROR

Invalid amount

The amount is invalid.

CARD NO. ERROR

Invalid card number

The card number is invalid.

NO SUCH ISSUER

No such issuer

The issuer does not exist.

RE ENTER

Re-enter transaction

Packet Format Error. Re-enter the transaction.

NO ACTION TAKEN

Unable to back out transaction

Unable to cancel the transaction.

NO CARD NUMBER

Unable to locate the account number

The account number could not be found.

NO REPLY

File is temporarily unavailable

Transaction timed out with no response from the issuer.

MSG FORMAT ERROR

Transaction was improperly formatted

The transaction format is incorrect.

NO CREDIT ACCT

No credit account

Credit card is not supported.

HOLD-CALL

Lost card, pick up (fraud account)

Lost card used to perform the transaction. Suspicion of fraud account.

HOLD-CALL

Stolen card, pick up (fraud account)

Card used to perform the transaction is stolen. Suspicion of fraud account.

CLOSED ACCOUNT

Closed account

The cardholder's bank account has been closed.

DECLINE

Insufficient funds

The transaction was declined because there were insufficient funds in the cardholder's bank account.

NO CHECK ACCOUNT

No checking account

The account is invalid.

NO SAVE ACCOUNT

No savings account

The account is invalid.

EXPIRED CARD

Expired card

The card has expired.

WRONG PIN

Incorrect PIN

Incorrect PIN used during the transaction.

SERV NOT ALLOWED

Transaction not permitted-Card

The transaction is not permitted for this card.

SERV NOT ALLOWED

Transaction not permitted-Terminal

The transaction is not permitted on this terminal.

SUSPECTED FRAUD

Suspected fraud

Suspected fraud account.

EXC APPR AMT LIM

Exceeds approval amount limit

The transaction amount has exceeded the approved amount limit.

DECLINE

Invalid service code, restricted

The transaction was declined due to an invalid or restricted service code.

SEC VIOLATION

Security violation

Transaction violates SEC (Securities and Exchange Commission) laws.

EXC W/D FREQ LIM

Exceeds withdrawal frequency limit

The transaction withdrawal has exceeded the withdrawal frequency limit.

VERIF DATA FAILD

Verification data failed

Data verification has failed.

PIN EXCEEDED

Allowable number of PIN-entry tries exceeded

PIN Entry limit has been exceeded.

UNSOLIC REVERSAL

Unable to locate, no match

Unable to locate the original transaction and so the transaction cannot be reinitiated.

NO ACTION TAKEN

Inconsistent, reversed, or repeat data

Unable to process the transaction request, and no action has been taken.

NO ACCOUNT

Blocked, first used transaction from new cardholder, and card not properly unblocked

First transaction from a new cardholder failed due to the card not being properly activated or unblocked by the issuer.

ALREADY REVERSED

Already reversed at switch

Transaction has already been reversed by switch.

NO IMPACT

No Financial impact (used in reversal responses to decline originals)

This response indicates there was no financial impact, typically used in reversal scenarios where the original transaction was declined.

ENCRYPTION ERROR

Cryptographic error

Card data error. Encryption was unsuccessful.

INCORRECT CVV

CVV data is not correct Or Offline PIN authentication interrupted

The CVV data is incorrect or the offline PIN authentication was interrupted.

CANT VERIFY PIN

Cannot verify PIN

Cannot verify the PIN used during the transaction.

CARD OK

No reason to decline

The card is okay and there is no reason to decline the transaction.

CANT VERIFY PIN

Cannot verify PIN

Unable to verify the PIN.

NO REPLY

Issuer or switch is unavailable

No reply. Either the card issuer or switch is unavailable at the moment.

INVALID ROUTING

Destination not found

Destination not found.

DECLINE

Violation, cannot complete

Transaction declined. Refer to TSYS processor for further information.

DUPLICATE TRANS

Unable to locate, no match

A duplicate reversal was attempted on an already reversed authorization.

SYSTEM ERROR

System malfunction

System has malfunctioned.

ACTIVATED

POS device authentication successful

The POS (Point of Sale) device has been successfully activated and is ready to use.

NOT ACTIVATED

POS device authentication not successful

The POS device could not be activated; the authentication failed.

DEACTIVATED

POS device deactivation successful

The POS device has been successfully deactivated and is no longer in use.

INVALID REGION CODE

Region code not valid

Region code is invalid.

INVALID COUNTRY CODE

Country code not valid

Country code is invalid.

SRCHG NOT ALLOWD

Surcharge amount not permitted on debit cards or EBT food stamps

A surcharge amount is not allowed on debit cards or EBT food stamp transactions.

SRCHG NOT ALLOWD

Surcharge amount not supported by debit network issuer

Surcharge amount is not supported by the debit card issuer's network.

FAILURE CV

Card Type Verification Error

Transaction failed due to a CV card type verification error. This means the processor could not verify the card type based on the CV (Card Verification) information, causing the transaction to fail.

SECUR CRYPT FAIL

Transaction failure due to missing or invalid 3D-Secure cryptogram

Transaction failed due to a missing or invalid 3D-Secure cryptogram. This means the processor couldn't verify the security information required for the transaction, resulting in a failure.

ENCR NOT CONFIGD

Encryption is not configured

Encryption is not configured.

TERM NOT AUTHENT

Terminal is not authenticated

The terminal is not authenticated.

DECRYPT FAILURE

Data could not be decrypted

The data could not be decrypted.

ACCT LENGTH ERR

Verification error

Verification failed because the account number length is incorrect.

CHECK DIGIT ERR

Verification error

Verification failed due to an invalid check digit in the account number.

CID FORMAT ERROR

Verification error

Verification failed because the CID (Card Identification Data) is in the wrong format.

SERV NOT ALLOWED

Contact Merchant Services/Technical Support

The service is not allowed; please contact Merchant Services or Technical Support for assistance.

SERV NOT ALLOWED

Contact Merchant Services/Technical Support

The service is not allowed; please contact Merchant Services or Technical Support for assistance.

SERV NOT ALLOWED

Contact Merchant Services/Technical Support

The service is not allowed; please contact Merchant Services or Technical Support for assistance.

SERV NOT ALLOWED

Contact Merchant Services/Technical Support

The service is not allowed; please contact Merchant Services or Technical Support for assistance.

SERV NOT ALLOWED

Contact Merchant Services/Technical Support

The service is not allowed; please contact Merchant Services or Technical Support for assistance.

SERV NOT ALLOWED

Contact Merchant Services/Technical Support

The service is not allowed; please contact Merchant Services or Technical Support for assistance.

SERV NOT ALLOWED

Contact Merchant Services/Technical Support

The service is not allowed; please contact Merchant Services or Technical Support for assistance.

SERV NOT ALLOWED

Contact Merchant Services/Technical Support

The service is not allowed; please contact Merchant Services or Technical Support for assistance.

SERV NOT ALLOWED

Contact Merchant Services/Technical Support

The service is not allowed; please contact Merchant Services or Technical Support for assistance.

FAILURE HV

Hierarchy Verification Error

Transaction failed due to a hierarchy verification error, meaning the system could not verify the required hierarchical data for the transaction.

TOKEN RESPONSE

Token request was processed

The token request was successfully processed.

TOKEN NOT CONFIG

Tokenization is not configured

Tokenization has not been set up or configured.

TERM NOT AUTHENT

Terminal is not authenticated

The terminal could not be authenticated.

TOKEN FAILURE

Data could not be de-tokenized

The data could not be de-tokenized (converted back to the original data).

DOM DBT NOT ALWD

Mastercard: Canada region-issued Domestic Debit Transaction not allowed

Mastercard transactions from the Canada region for domestic debit are not allowed.

CACHBACK NOT AVL

Cash back service not available

Cashback service is not available for this transaction.

DECLINE

Exceeds issuer withdrawal limit

The transaction was declined because it exceeds the issuer's withdrawal limit.

CVV2 MISMATCH CVV2

Value supplied is invalid

The CVV2 value provided does not match the one on file.

SERV NOT ALLOWED

Contact Merchant Services/Technical Support

The service is not allowed; please contact Merchant Services or Technical Support for assistance.

SERV NOT ALLOWED

Contact Merchant Services/Technical Support

The service is not allowed; please contact Merchant Services or Technical Support for assistance.

SERV NOT ALLOWED

Contact Merchant Services/Technical Support

The service is not allowed; please contact Merchant Services or Technical Support for assistance.

SERV NOT ALLOWED

Contact Merchant Services/Technical Support

The service is not allowed; please contact Merchant Services or Technical Support for assistance.

SERV NOT ALLOWED

Contact Merchant Services/Technical Support

The service is not allowed; please contact Merchant Services or Technical Support for assistance.

SERV NOT ALLOWED

Contact Merchant Services/Technical Support

The service is not allowed; please contact Merchant Services or Technical Support for assistance.

SERV NOT ALLOWED

Contact Merchant Services/Technical Support

The service is not allowed; please contact Merchant Services or Technical Support for assistance.

MISSING SERIAL NUM

The terminal has not yet completed the boarding process. The Serial Number has not been set up.

The terminal has not completed the boarding process yet, and the Serial Number has not been set up.

CARD AUTH FAIL

Card authentication failed

Card authentication failed.

STOP RECURRING

Customer requested stop of specific recurring payment

The customer has requested to stop a specific recurring payment from their account.

STOP RECURRING

Customer requested stop of all recurring payments from specific merchant

The customer has requested to stop all recurring payments from a specific merchant.

STOP ALL RECUR

All recurring payments have been canceled for the card number in the request

All recurring payments for the provided card number have been canceled.

INACTIVE CARD

The PAN used in the transaction is inactive.

The card number (PAN) used in the transaction is inactive and cannot be processed.

MOD 10 FAIL

The Mod-10 check failed.

The Mod-10 validation check, used to verify the card number, failed.

DCLN NO PRE AUTH

Decline – no preauthorization found.

Transaction declined because no preauthorization was found for the transaction.

MAX BALANCE

Maximum working balance exceeded.

The transaction exceeds the maximum allowed balance for the account or card.

SHUT DOWN

The Authorization Server is shut down.

The Authorization Server is currently shut down and unable to process the transaction.

INVALID STATUS

Invalid card status – status is other than active

The card has an invalid status (e.g., not active), preventing the transaction.

UNKNOWN STORE

Unknown dealer/store code – special edit.

The store or dealer code provided is unknown, requiring special handling.

TOO MANY RCHRGS

Maximum number of recharges is exceeded.

The maximum number of allowed recharges has been exceeded for this transaction.

ALREADY USED

Card was already used.

The card has already been used for a transaction, making this request invalid.

NOT MANUAL

Manual transactions not allowed.

Manual transactions are not permitted for this type of request.

TYPE UNKNOWN

Transaction type was unknown.

The transaction type provided is unrecognized or not supported by the system.

INVALID TENDER

An invalid tender type was submitted.

The tender type (payment method) submitted is not valid or accepted.

CUSTOMER TYPE

An invalid customer type was submitted.

The customer type provided is not valid for processing this transaction.

PIN LOCKED

PIN was locked.

The PIN entered for the transaction has been locked due to multiple failed attempts.

MAX REDEMPTS

The maximum number of redemptions was exceeded.

The card has exceeded the allowed number of redemptions for a specific offer or service.

MAX PAN TRIES

The maximum number of PAN tries was exceeded.

The card has exceeded the maximum allowed number of attempts to enter the PAN (card number).

ALREADY ISSUED

The card was already issued.

The card has already been issued and cannot be reissued.

NOT ISSUED

The card was not issued.

The card has not been issued or is not recognized by the system.

APPROVAL

First check is okay and has been converted.

The check passed initial verification and was successfully converted.

CANNOT CONVERT

The check is okay but cannot be converted. This is a declined transaction.

The check passed verification but cannot be converted; transaction declined.

INVALIDABA

Invalid ABA number, not an ACH participant.

The ABA number provided is invalid or not registered as an ACH participant.

AMOUNT ERROR

Amount greater than the limit.

The transaction amount exceeds the allowed limit.

FAILURE VM

Daily threshold exceeded.

The daily transaction threshold has been exceeded.

FIX INVALID MCC

Invalid use of MCC - correct and reattempt.

The MCC (Merchant Category Code) is incorrect; correct it and try again.

Approved

The transaction was approved successfully.

Approve with ID

The transaction is approved but requires cardholder identification.

Partial Approval (Prepaid Cards only)

Only a portion of the requested transaction amount is approved, typically for prepaid cards.

Deny

The transaction is denied without a specific reason provided.

Expired Card/Invalid Expiration Date

The card has expired, or the expiration date entered is incorrect.

Exceeded PIN attempts

The maximum number of allowed PIN entry attempts has been reached.

Please Call Issuer

The cardholder must contact the issuing bank for further assistance.

Invalid Merchant

The merchant details provided are incorrect or unregistered.

Invalid Amount

The transaction amount is invalid or incorrectly formatted.

Invalid Account /Invalid MICR (Travelers Cheque)

The account or MICR number is invalid or incorrectly entered.

Requested function not supported

The requested transaction type or function is not supported by the issuer or processor.

Not Sufficient Funds

The cardholder’s account has insufficient funds to complete the transaction.

Invalid PIN

The PIN entered is incorrect and does not match issuer records.

Cardmember not enrolled/ not permitted

The cardholder is not enrolled in the service required to complete the transaction.

Limit Exceeded

The transaction exceeds account limits set by the issuer.

Invalid card security code (a.k.a, CID, 4DBC, 4CSC)

The card security code (e.g., CVV, CID) is invalid or incorrectly entered.

Invalid effective date

The effective date for the card or transaction is invalid.

Additional customer identification required

Additional identification is required to complete the transaction.

Format Error

The transaction message was improperly formatted and cannot be processed.

Invalid currency code

The currency code provided is invalid or not supported for the transaction.

Deny - New card issued

The card has been replaced by a new one; the old card is no longer valid.

Deny - Cancelled or Closed Merchant /SE

The merchant or account associated with the transaction has been canceled or closed.

Deny - Pick up card

The transaction is denied, and the card should be confiscated.

Reversal Accepted

The reversal of a previous transaction has been successfully processed.

Accepted - ATC Synchronization

The transaction is approved, with ATC synchronization successfully performed.

System Malfunction (Cryptographic error)

A cryptographic or system error occurred during processing.

Issuer not available

The issuer’s system is unavailable, and the transaction could not be completed.

CALL OPER

Refer to card issuer

CALL OPER

Refer to card issuer, special condition

INV MERCHANT (Visa)

Invalid merchant

NV MERCHANT (Mastercard)

Invalid merchant

PICK UP CARD

Pick up card

TRANS DENIED

Do not honor

TRANS DENIED

One or more errors in message

PICK UP CARD

Pick up card (special condition)

HONOR WITH ID

Honor with identification

APP FOR VIP

VIP approval

INV TRANS

Invalid transaction

INV DOLLAR AMT (Mastercard)

Invalid dollar amount

INV DOLLAR AMT (Visa)

Invalid amount

TRANS DENIED

Invalid cardholder account

INV ISSUER

No such issuer

NEW ACCT INFO

Recurring payment - new account info available

CANNOT APPROVE

Recurring payment - cannot approve

DO NOT TRY AGAIN

Recurring payment - do not try again

RE-ENTER TRANSACTION

Re-enter transaction

NO ACTION TAKEN

No action taken, unable to back out prior transaction

TRANS DENIED (Mastercard)

Unable to locate record

TRANS DENIED (Visa)

Unable to locate record in file

FILE UPDATE ERR

File update field edit error

TRANS DENIED

File is unavailable

FORMAT ERROR

Format error

DO NOT TRY AGAIN

Recurring payment - obtain another type of payment from customer

TRANS DENIED

No credit account

FUNCTION NOT AVAIL

Requested function not supported

PICK UP CARD

Lost card - pick up

PICK UP CARD

Stolen card - pick up

TRANS DENIED

Insufficient funds

TRANS DENIED

No checking account

TRANS DENIED

No savings account

CARD EXPIRED

Expired card

INVALID PIN

Incorrect PIN

TRANS NOT ALLOW

Transactions not allowed to cardholder

TRANS NOT ALLOW

Transactions not allowed to terminal

EXCEEDS MAX AMT (Mastercard)

Exceeds purchase limits

EXCEEDS MAX AMT (Visa)

Exceeds withdrawal/approval amount limits

TRANS DENIED

Restricted card

TRANS DENIED

Security violation

TRANS DENIED (Mastercard)

Account activity limit exceeded

TRANS DENIED (Visa)

Activity count limit exceeded

RESPONSE LATE

Response received late

CONTACT CARD ISSUER

Contact the card issuer

TRANS DENIED (Mastercard)

Exceeded PIN tries - no capture

TRANS DENIED (Visa)

Allowable number of PIN entry tries exceeded

BAD "TO" ACCT (Mastercard)

Invalid/non-existent "to" account specified

INV REF NUMBER (Visa)

Unable to locate previous message

BAD "FROM" ACCT (Mastercard)

Invalid/non-existent "from" account specified

DATA INCONSISTENT (Visa)

Previous message located for repeat/reversal, but data inconsistent

BAD GENERAL ACCT

Invalid non-existent account specified (general)

KEY EXCHG FAILED (Mastercard)

Key exchange validation failed

TRANS DENIED (Visa)

Already reversed by switch

DUPLICATE ADD (Mastercard)

Duplicate add - action not performed

INVALID DATE (Visa)

Invalid date

TRANS DENIED

Cryptographic error found in PIN or CVV

TRANS DENIED

Incorrect CVV

INCORRECT PIN

Unable to verify PIN

BAD LIFE CYCLE (Mastercard)

Invalid authorization life cycle

TRANS DENIED (Visa)

Time limit for a pre-authorization is to long

NOT DECLINED (Mastercard)

No reason to decline

NOT DECLINED (Visa)

No reason to decline AVS request

TRANS DENIED

Cannot verify PIN

RECON TOTAL STOPPED

Reconciliation totaling has stopped for current settlement day

NO TOTALS TRY LATER

Switch cannot provide totals now, try again in 30 minutes

GIV TRANS DENIED

Ineligible to receive financial position information (GIV)

AUTH DOWN

Issuer/switch inoperative

AUTH DOWN (Mastercard)

Unable to route transaction

AUTH DOWN (Visa)

Financial Inst facility cannot be found for routing

TRANS NOT ALLOW

Illegal transaction - violation of law

DUPLICATE TRANS

Duplicate transmission detected

AUTH DOWN (Mastercard)

System malfunction

AUTH DOWN (Visa)

System Malfunction

CVV2 DATA MISSING

Transaction did not contain CVV2 data - retry

STOP PAYMENT (Mastercard)

Stop payment order

STOP PAYMENT ORDER (Visa)

Recurring payment - cardholder requested specific payment stopped

RECUR REVOCATION (Mastercard)

Recurring payment revocation of authorization order

REVOKE AUTH ORDER (Visa)

Recurring payment - cardholder requested all payment stopped

CALL VOICE OPERATOR (Discover)

Call for Authorization

HONOR W/ID (Amex)

Honor with identification

CALL VOICE OPERATOR (Discover)

Call for Authorization

DECLINED (Amex)

Declined by issuer

CARD EXPIRED (Amex)

Expiration date check failed

INV MERCHANT (Discover)

Invalid Merchant

CALL SERVICE CENTER (Amex)

Please call card issuer

PICK UP CARD (Discover)

Pick up card - No Fraud

FORMAT - MERCHANT (Amex)

Format error - invalid merchant ID

TRANS DENIED (Discover)

Do Not Honor

FORMAT - AMOUNT

Format error - invalid amount

FORMAT - ACCOUNT (Amex)

Format error - invalid account number

PICK UP CARD (Discover)

Pick up card (Special Condition) (Fraud Account)

HONOR WITH ID (Discover)

Honor with ID

TRAN NOT ALLOWED (Amex)

Service not valid

FORMAT - BAD CARD

Invalid card security code (CID)

DECLINED

Invalid effective date on card

FORMAT ERROR

Format error

INVALID TRANS (Discover)

Invalid Transaction

NETWK NOT AVAILABLE (Amex)

Network unavailable - please wait

AMOUNT ENTRY ERROR (Discover)

Invalid Amount

FORMAT - CURRENCY (Amex)

Invalid currency code

INVALID CARD NUMBER (Discover)

Invalid Card Number

PICK UP CARD (Amex)

Decline - pick up card

INVALID CARD NUMBER (Discover)

Invalid Card Number Prefix

INVALID TRAN (Amex)

Invalid transaction for network

FORMAT ERROR

Format error

NETWK NOT AVAILABLE

Host/card issuer not available

RE-ENTER TRANS

Re-enter Transaction

MESSAGE FORMAT ERROR

Message Format Error

BANK NOT SUPPORTED

Bank not supported by switch. MID not valid for processing

EXP CARD-CALL CENTER

Expired Card - Call Center

SUSPECTED FRAUD

Suspected Fraud - Call Center

ACCPTOR CONTACT REQD

Card Acceptor Contact Required

RESTRICTED CARD

Restricted Card - Call Center

CALL ACQUIRER SECURTY

Call Center

AUTH DECLINED

Declined PIN attempts

NO CREDIT ACCOUNT

No Credit Account

CALL VOICE OPERATOR

Call for authorization function not available

HOLD - CALL

Pick up - lost card

HOLD - CALL

Pick up - stolen card

AUTH DECLINED

Declined - over limit account

INVALID ACCOUNT #

Declined - No Savings Account

EXPIRED CARD

Expired card

INVALID PIN

Invalid PIN

NO CARD RECORD

No card record

AUTH DECLINED

Transaction not permitted to issuer/cardholder

INVALID TERMINAL ID

Merchant closed or merchant not authorized for authorization type

DO NOT HONOR

Do not honor - Suspected Fraud

CONTACT ACQUIRER

Card acceptor contact acquirer

AUTH DECLINED

Exceeds withdrawal limit

RESTRICTED CARD

Declined - Authorization prohibited

SECURITY VIOLATION

Security violation

ORIG. AMT INCORRECT

Original amount incorrect

AUTH DECLINED

Exceeds withdrawal limit Count limit

CALL ACQUIRER SECUR.

Card acceptor contact acquirer's security

HARD CAPTURE

Hard capture (Requires ATM pickup)

RESP. REC. TOO LATE

Response received too late

AUTH DECLINED

Allowable number of PIN tries exceeded

INVALID "TO" ACCT

Invalid/Nonexistent "to" Account

INVALID "FROM" ACCT

Invalid/Nonexistent "From" Account

INVALID ACCT

Invalid/Nonexistent Account Specified

AUTH DECLINED

Domain Restriction Controls Fail

NETWORK UNAVAILABLE

Network Unavailable

CALL VOICE OPERATOR

Call for authorization - network problems

UNABLE TO ROUTE

Unable to route transaction

AUTH DECLINED

Declined - transaction in violation of law

CALL VOICE OPERATOR

Call for authorization - duplicate authorization request

CALL VOICE OPERATOR

Call for authorization - system malfunction

AVS MATCH

Exact Match of address and 9 digit zip code

AVS MATCH

Match of address and 5 digit zip code

AVS MATCH - ZIP

Match of 5 digit code only address does not match

AVS MATCH - ADDRESS

Match of address only zip code does not match

AVS MATCH - ZIP ONLY

Match of 9 digit zip only address does not match

NO MATCH

Neither address or zip code matched

RETRY

System is unavailable or has timed out

SERVICE UNSUPPORTED

AVS service is unsupported by issuer

DATA UNAVAILABLE

Address info is unavailable

AVS NOT SUPPORTED (Visa)

Issuer does not support AVS

NEW ACCT INFO AVAIL (Mastercard)

Recurring payment - Obtain new account information before the next billing cycle.

ADDRESS MATCH ONLY (Visa)

International address matches, but postal code format incompatible

TRY AGAIN LATER (Mastercard)

Recurring payment - Recycle the transaction 72 hours later.

DO NOT TRY AGAIN (Mastercard)

Recurring payment - Obtain another type of payment from customer.

NOT VERIFIED (Visa)

International address and postal code are in incompatible format.

AVS MATCH

International address and postal code both match

NOT VERIFIED

International address not verified

AVS MATCH

International addresses and postal codes match

AVS MATCH - ZIP

Match of international postal code only. Address format incompatible

TRANS DENIED

Token requirements not fulfilled for this token type

Pick Up Card

PICK UP CARD

Card must be confiscated

Do Not Honor

REPRINT PREV TXN

The transaction was declined because an identical transaction using the same card BIN and amount was submitted within one second of the original transaction. Reprint or reference the previous transaction instead of resubmitting the request.

Do Not Honor

BIN NOT FOUND

The card BIN could not be identified by iPOSpays

PICK UP CARD

Pick Up Card (other than lost/stolen)

Card should be retained

PICK UP CARD

Pick Up Card (Lost Card)

Card reported lost

PICK UP CARD

Pick Up Card (Stolen Card)

Card reported stolen

INVALID TRAN

Invalid Transaction

Transaction type invalid

INVALID CARD

Invalid Account Number

Card number invalid

INVALID ISSUER

No Such Issuer

Issuer not recognized

DECLINED:CLOSED

Closed Account

Account closed

TRAN NOT ALLOWED

Transaction Not Permitted

Not allowed for cardholder

STOP PAYMENT

Stop Payment Order

Payment stopped

STOP ORDER

Revocation of Authorization

Authorization revoked

STOP ALL ORDERS

Revocation of All Authorizations

All authorizations revoked

INVALID MERCHANT

Invalid Merchant

Merchant invalid

PLEASE RETRY

Re-enter Transaction

Retry transaction

DECLINED: NSF

Insufficient Funds

Not enough balance

SUSPECTED FRAUD

Suspected Fraud

Fraud suspected

EXCEEDS AMT LMT

Exceeds Amount Limit

Limit exceeded

RESTRICTED CARD

Restricted Card

Card restricted

WITHDRAWAL LIMIT

Withdrawal Limit Exceeded

Too many withdrawals

PIN ENTRY LIMIT

PIN Attempts Exceeded

Too many PIN tries

DECLINED:BLOCKED

Blocked Card

Card blocked

CANT VERIFY PIN

Cannot Verify PIN

PIN verification failed

ISSUER UNAVAIL

Issuer Unavailable

Issuer/system down

DECLINED

Violation of Law

Legal restriction

SYSTEM ERROR

System Malfunction

System error

CASHBACK UNAVAIL

Cash Service Not Available

Cashback unavailable

CASHBACK AMT LMT

Cashback Limit Exceeded

Cashback exceeds limit

EXPIRED CARD

Expired Card

Card expired

INCORRECT PIN

Incorrect PIN

Wrong PIN

INVALID CAM/CVV

Invalid CVV/CAM

Verification failed

DECLINE CVV2

CVV2 Failure

CVV2 mismatch

APPROVAL

APPROVED

Transaction approved successfully

CALL

APPROVE WITH ID

REFER TO CARD ISSUER

APPROVE WITH ID

Contact issuer for further action

Approval with ID verification

CALL

PARTIAL APPROVAL

REFER TO CARD ISSUER, SPECIAL CONDITION

PARTIAL APPROVAL

Issuer review required due to special condition

Only part of the requested amount approved

TERM ID ERROR

INVALID MERCHANT OR SERVICE PROVIDER

TERMINAL ID ERROR

Merchant/terminal not recognized

Invalid or missing terminal ID

HOLD-CALL

PICK UP CARD (NO FRAUD)

CAPTURE CARD

DENY - PICK UP CARD

Retain card; no fraud suspected

Retain card as instructed

Transaction denied; retain card

DECLINE

DO NOT HONOR

DENY

Issuer declined without specific reason

Transaction denied

ERROR

ERROR

General processing error

HOLD-CALL

PICK UP CARD, SPECIAL CONDITION (POSSIBLE FRAUD)

HOLD-CALL

Retain card; possible fraud

Hold card and contact issuer

HONOR WITH ID

HONOR WITH ID

Approval requires ID verification

PARTIAL APPROVED

PARTIAL APPROVAL

APPROVED PARTIAL

PARTIAL APPROVAL

Partial approval granted

Partial amount approved

INVALID TRANS

INVALID TRANSACTION

Transaction type not supported

AMOUNT ERROR

INVALID AMOUNT

Invalid transaction amount

CARD NO. ERROR

INVALID ACCT NBR

INVALID ACCOUNT NUMBER

Card number invalid

Account number invalid

NO SUCH ISSUER

NO SUCH ISSUER

Issuer not recognized

DECLINE

CUSTOMER CANCEL

Transaction cancelled by customer

RE ENTER

RE-ENTER TRANSACTION

Retry transaction entry

NO ACTION TAKEN

NO ACTION TAKEN

No processing performed

UNABLE TO LOCATE

UNABLE TO LOCATE RECORD IN FILE

Record not found

NO REPLY

FILE IS TEMPORARILY UNAVAILABLE

System temporarily unavailable

FORMAT ERROR

CALL

FORMAT ERROR

Message format invalid

Contact issuer due to format issue

CALL

BANK NOT SUPPORTED BY SWITCH

Issuer not supported

EXPIRED CARD

EXPIRED CARD

Card expired

CALL

CALL

SUSPECTED FRAUD

Contact issuer

Possible fraud detected

CALL

CARD ACCEPTOR CONTACT ACQUIRER

Merchant must contact acquirer

CALL

RESTRICTED CARD

Card usage restricted

CALL

CALL - SECURITY

Security-related issue

PIN EXCEEDED

ALLOWABLE PIN TRIES EXCEEDED

Too many incorrect PIN attempts

NO CREDIT ACCT

NO CREDIT ACCOUNT

No valid credit account

CALL

REQUESTED FUNCTION NOT SUPPORTED

Operation not supported

HOLD-CALL

LOST CARD

LOST CARD, PICK UP CARD (FRAUD ACCOUNT)

Card reported lost

Retain lost card (fraud)

HOLD-CALL

STOLEN CARD

STOLEN CARD, PICK UP (FRAUD ACCOUNT)

Card reported stolen

Retain stolen card (fraud)

DECLINE

CLOSED ACCOUNT

Account closed

INSUFF FUNDS

INSUFFICIENT FUNDS

Not enough balance

NO CHECK ACCOUNT

NO CHECKING ACCOUNT

Checking account missing

NO SAVE ACCOUNT

NO SAVINGS ACCOUNT

Savings account missing

EXPIRED CARD

EXPIRED CARD

Card expired

WRONG PIN

INCORRECT PIN

Invalid PIN entered

NO CARD RECORD

NO CARD RECORD

Card not found

SERV NOT ALLOWED

TRANSACTION NOT PERMITTED TO ISSUER/CARDHOLDER

Not allowed for cardholder

SERV NOT ALLOWED

TRANSACTION NOT PERMITTED TO ACQUIRER/TERMINAL

Not allowed for terminal

CALL

SUSPECTED FRAUD

Fraud suspected

CALL

CARD ACCEPTOR ERROR

Merchant/terminal issue

DECLINE

EXCEEDS APPROVAL AMOUNT LIMIT

EXCEEDS WITHDRAWAL AMOUNT LIMIT

Amount exceeds limit

Withdrawal exceeds limit

DECLINE

RESTRICTED CARD

RESTRICTED CARD - INVALID IN REGION OR COUNTRY

Card restricted

Region restriction

SEC VIOLATION

SECURITY VIOLATION

Security breach detected

CALL

ORIGINAL AMOUNT INCORRECT

Amount mismatch

DECLINE

ACTIVITY COUNT LIMIT EXCEEDED

EXCEEDS WITHDRAWAL COUNT LIMIT

Too many transactions

Withdrawal count exceeded

CALL

CARD ACCEPTOR ERROR

Terminal error

HOLD-CALL

HARD CAPTURE - CALL

Retain card, call issuer

CALL

RESPONSE RECEIVED TOO LATE

Timeout from issuer

CALL

CONTACT CARD ISSUER

Contact issuer

PIN EXCEEDED

ALLOWABLE NUMBER OF PIN ENTRY TRIES EXCEEDED

PIN retries exceeded

NO ACTION TAKEN

UNABLE TO LOCATE PREVIOUS MESSAGE

Previous record not found

NO ACTION TAKEN

NO MATCH ON ORIGINAL MESSAGE

No matching transaction

NO ACCOUNT

BLOCKED 1ST USE

INVALID/NONEXISTENT ACCOUNT

BLOCKED FIRST USE BY CARDHOLDER

Account does not exist

First use blocked

DECLINE

LIFE CYCLE (NEW ABU AVAIL)

Updated account info available

DECLINED

DATE ERROR

NO FINANCIAL IMPACT

DATE ERROR

Informational decline

Invalid date

ENCRYPTION ERROR

SERV NOT ALLOWED

PIN CRYPTOGRAPHIC ERROR FOUND

DEBIT TRANSACTION NOT ALLOWED

Encryption failure

Debit not allowed

CVV ERROR

DECLINE

INCORRECT CVV

POLICY (NEW ABU AVAIL)

CVV mismatch

Policy-based decline

CANT VERIFY PIN

DECLINE

UNABLE TO VERIFY PIN

FRAUD/SECURITY

PIN verification failed

Fraud/security risk

INVALID ALC

INVALID ALC

Invalid authorization lifecycle

NOT DECLINED

ISSUER HAS NO REASON TO DECLINE

Informational approval

CANT VERIFY PIN

CAN NOT VERIFY PIN

PIN verification unavailable

NO REPLY

CASHBACK NOT AVL

NETWORK UNAVAILABLE

NO CASH BACK

Network down

Cashback unavailable

CRYPTO FAILURE

CRYPTO FAILURE

Cryptographic failure

PIN REQUIRED

PIN REQUIRED

PIN must be entered

NO REPLY

ISSUER UNAVAILABLE OR SWITCH INOPERATIVE

ISSUER NOT AVAILABLE

Issuer not responding

Issuer unavailable

INVALID ROUTING

DESTINATION CANNOT BE FOUND FOR ROUTING

INVALID ROUTING NUMBER

Routing failure

Invalid routing

DECLINE

TRANSACTION CANNOT BE COMPLETED, VIOLATION

Rule violation

CALL

DUP TRANS

DUPLICATE TRANSMISSION DETECTED

Duplicate request

Duplicate transaction

SYSTEM ERROR

SYSTEM MALFUNCTION

System failure

DECLINE

ADDITIONAL CUSTOMER AUTHENTICATION REQUIRED

Extra authentication needed

DECLINE

VERIFICATION DATA FAILED

Verification failed

DECLINE

SURCHARGE AMOUNT NOT PERMITTED ON VISA

Surcharge not allowed

INVALID FLEET

REQUIRED FLEET PROMPTS INVALID OR MISSING

Fleet data invalid

AVS REQUIRED

AVS DATA REQUIRED

Address verification needed

CVV2 REQUIRED

CVV2 DATA REQUIRED

CVV2 required

SERV NOT ALLOWED

SERVICE NOT ALLOWED

Operation not permitted

SERV NOT ALLOWED

SERVICE NOT ALLOWED

Operation not permitted

SERV NOT ALLOWED

SERVICE NOT ALLOWED

Operation not permitted

TERM ID ERROR

TERMINAL ID ERROR

Invalid terminal ID

NO REPLY

NO REPLY NETWORK

Network unavailable

ACCT LENGTH ERR

ACCOUNT LENGTH ERROR

Invalid account length

CHK DIGIT ERROR

CHECK DIGIT ERROR

Check digit mismatch

CID FORMAT ERROR

CID FORMAT ERROR

CID format invalid

EXPIRED AUTH

AUTH IS TOO OLD FOR CAPTURE

Authorization expired

RESTRICTED CARD

CARD PRODUCT BLOCKED

Card type blocked

INVALID TRANS

BRIC ON PIN TRAN NOT ALLOWED

PIN transaction not allowed

CEM INVALID

INVALID CARD ENTRY METHOD

Invalid entry method

CARD_ID INVALID

INVALID CARD ID

Card ID invalid

NO PIN BLK

NO PIN BLOCK

Missing PIN block

SERV NOT ALLOWED

PINLESS ROUTING NOT ALLOWED

Routing not allowed

STORAGE FAILED

BRIC STORAGE FAILED

Storage error

DEBIT SWIPE ONLY

DEBIT SWIPE ONLY

Swipe required

BRIC RESPONSE TO

BRIC RESPONSE TIMEOUT

Timeout

CVV2 MISMATCH

CVV2 MISMATCH

CVV mismatch

SYSTEM ERROR

NETWORK GATEWAY NOT AVAILABLE

Gateway down

DECLINE

TRANSACTION NOT ALLOWED (VALIDATION FAILURE)

Validation failed

FORMAT ERROR

EMV DATA REQUIRED

EMV data missing

NO REPLY

NETWORK REJECTED ITEM

Network rejected

NO ACTION TAKEN

ITEM ALREADY CAPTURED

Already processed

FORMAT ERROR

FAILED REGEX VALIDATION

Format validation failed

CHECK NBR REQUIR

CHECK NUMBER REQUIRED

Check number missing

RETRY - DIP CARD

CONTACTLESS MSD NOT ALLOWED. DIP CARD

Use chip instead

DECLINE

FORCE STIP

Stand-in processing decline

CASHBACK NOT AVL

CASH SERVICE NOT AVAILABLE

CASHBACK NOT AVAILABLE

No cash service

Cashback unavailable

DECLINE

CASH REQUEST EXCEEDS ISSUER LIMIT

DECLINE

Cash limit exceeded

Generic decline

DECLINE

DECLINE

Generic decline

CVV2 MISMATCH

CVV AVS MISMATCH

DECLINE FOR CVV2 FAILURE

CVV2 / AVS FAILURE

CVV failed

CVV/AVS failed

NO DEBIT ROUTE

NO VALID DEBIT NETWORK AVAILABLE

No routing path

DECLINE

INVALID BILLER INFORMATION

Invalid biller

DECLINE

PIN CHANGE/UNBLOCK REQUEST DECLINED

PIN change failed

DECLINE

UNSAFE PIN

Weak PIN

DECLINE

CARD AUTHENTICATION FAILED

Auth failed

DECLINE

STOP PAYMENT ORDER

Payment stopped

DECLINE

REVOCATION OF AUTHORIZATION ORDER

Authorization revoked

DECLINE

REVOCATION OF ALL AUTHORIZATIONS ORDER

All auth revoked

ERROR

INVALID DATA IN REQUEST

Request invalid

CRYPTO FAILURE

PIN BLOCK TRANSLATION ERROR

PIN block error

UNABLE TO LOCATE

UNABLE TO LOCATE A MATCHING ORIGINAL PURCHASE TRANSACTION

Original txn not found

INVALID RETURN

UNABLE TO LOCATE A MATCHING ORIGINAL PURCHASE TRANSACTION

Return txn not found

NO AUTHORIZATION

UNABLE TO LOCATE A MATCHING AUTHORIZATION

Auth not found

TLV TAGS INVALID

TLV TAGS INVALID

TLV data invalid

DECLINED

LIFE CYCLE - NEW ACCOUNT INFORMATION AVAILABLE

Updated account info

DECLINED

LIFE CYCLE - TRY AGAIN LATER

Retry later

DECLINED

LIFE CYCLE - DO NOT TRY AGAIN

Do not retry

DECLINED

TOKEN REQUIREMENTS NOT FULFILLED

Token issue

DECLINED

PAYMENT CANCELLATION

Payment cancelled

DECLINED

MERCHANT DOES NOT QUALIFY

Merchant restriction

DECLINED

POLICY - NEW ACCOUNT INFO AVAILABLE

Policy update

DECLINED

POLICY - TRY AGAIN LATER

Retry later

DECLINED

POLICY - DO NOT TRY AGAIN

Do not retry

DECLINED

POLICY - TOKEN REQUIREMENTS NOT FULFILLED

Token issue

DECLINED

POLICY - PAYMENT CANCELLATION

Cancelled

DECLINED

POLICY - MERCHANT DOES NOT QUALIFY

Merchant restriction

DECLINED

FRAUD/SECURITY - NEW ACCOUNT INFO

Fraud update

DECLINED

FRAUD/SECURITY - TRY AGAIN LATER

Retry later

DECLINED

FRAUD/SECURITY - DO NOT TRY AGAIN

Do not retry

DECLINED

FRAUD/SECURITY - TOKEN REQUIREMENTS NOT FULFILLED

Token issue

DECLINED

FRAUD/SECURITY - PAYMENT CANCELLATION

Cancelled

DECLINED

FRAUD/SECURITY - MERCHANT DOES NOT QUALIFY

Merchant restriction

DECLINE

OFFLINE DECLINED

Offline decline

DECLINE

UNABLE TO GO ONLINE

Cannot connect

DECLINE

DENY

Denied

EXPIRED CARD

EXPIRED CARD

Card expired

PIN EXCEEDED

PIN EXCEEDED

PIN limit exceeded

PLEASE CALL

PLEASE CALL ISSUER

Contact issuer

TERM ID ERROR

INVALID MERCHANT

Merchant invalid

AMOUNT ERROR

INVALID AMOUNT

Amount invalid

NO ACCOUNT

INVALID ACCOUNT

Account invalid

SERV NOT ALLOWED

SERVICE NOT PERMITTED

Not allowed

DECLINE

INSUFFICIENT FUNDS

Insufficient funds

WRONG PIN

INVALID PIN

Wrong PIN

NO CARD RECORD

NO CARD RECORD

No record

DECLINE

LIMIT EXCEEDED

Limit exceeded

EXPIRED CARD

INVALID EFFECTIVE DATE

Invalid date

FORMAT ERROR

FORMAT ERROR

Format issue

DECLINE

INVALID CURRENCY CODE

Currency invalid

INVALID ACCT NBR

DENY - NEW CARD ISSUED

New card issued

TERM ID ERROR

DENY - CANCELED OR CLOSED MERCHANT

Merchant closed

HOLD-CALL

DENY - PICK UP CARD

Retain card

SYSTEM ERROR

ATC SYNCHRONIZATION

Sync issue

SYSTEM ERROR

SYSTEM MALFUNCTION (CRYPTO ERROR)

Crypto failure

NO REPLY

ISSUER NOT AVAILABLE

Issuer unavailable

Bad Request

The server could not understand the request due to invalid syntax

Unauthorized

Authentication is required to access the requested resource

Forbidden

Valid credentials, but access is explicitly denied

Not Found

The server cannot find the requested resource

Method Not Allowed

The HTTP method used is not supported for the requested resource

Request Timeout

The server timed out waiting for the complete request from the client

Too Many Requests

The user has sent too many requests in a given amount of time

Internal Server Error

The server encountered an unexpected condition

Bad Gateway

Error occurred between gateway/proxy and the backend server

Service Unavailable

The server is currently unable to handle the request

Gateway Timeout

The server did not receive a timely response from the upstream server

HTTP Version Not Supported

The HTTP version used in the request is not supported by the server

A terminal does not have an active SPIn Connection. The Connection is created, but is disabled.

On the Terminal Details page check that SPIn Proxy is activated for this terminal.

There is an error in the request message format.

Check a request format.

A terminal does not have SPIn Connection. The Connection is not created.

On the Terminal Details page create a new SPIn Proxy connection.

A terminal is not connected to the internet or it is inaccessible due to network settings.

The terminal might be just disconnected due to reconnecting to the network, a terminal restart, being in sleep mode, or being in SPIn bypass mode.

Check a terminal whether it works or not and be sure that terminal is on the SPIn mode screen and online.

Send a status request to get actual connection status to continue to work with a terminal. see Check Terminal Connection Status

A request was sent to a terminal, but the terminal did not provide a response at a proper time. Probably the terminal lost a connection, was switched off, a discharged battery, some bug on a terminal, a terminal not in the IDLE screen and busy by some process e.g. a terminal menu is open and a transaction not in focus.

Possible that the terminal will respond to this transaction after a timeout event, a transaction will be performed and approved on a host side and added to a settlement report. But SPIn Proxy cannot guarantee a delivery on this POS request and a timeout is the best response in this case.

Default timeout 120 seconds.

Check a terminal whether it works or not and be sure that terminal is on the SPIn mode screen and online.

Do Status request to check transaction Status

Alternative way:

Repeat the transaction with the same parameters if the transaction was already performed you will get an error “Duplicated ReferenceID”.

Continue to perform transactions

A terminal operates another request.

Wait when the previous request is completed and repeat a new request to a terminal.

Register/Server/Host will get this error if it attempts to send a second request before the full time out period of previous request.

Wait for transaction timing out before attempting another transaction

Reference Id value sent from Register/POS/Server will have to be unique per transaction within the batch.

Change the reference id value and retry the transaction

Terminal was reconnected after receiving the request and before providing the response

Do Status request to check transaction Status

If the terminal is not ready to receive a transaction for any reason (usually because it is not on the idle screen to receive the request, is busy processing another operation, or has not yet completed a previous transaction).

Try once the existing transaction is completed.

Card Number is not valid, Please try with a valid Card Number

Triggered when the card number fails validation against the expected format.

Card Cvv is not valid,Please try with valid Cvv

Occurs when the CVV format does not meet validation criteria

Card is Expired

The transaction was declined due to the card being past its expiration date.

Card is Expiry Month is Not Valid

The expiration month could not be parsed from the request.

Card is Expiry Month is Not Valid

The expiration month format is incorrect.

Data Tokenization Key is not valid,Please try with valid Key

The tokenization key provided is invalid or expired.

Requested Origin is Not Registered. Please Contact Support Team

The request originated from an unrecognized domain.

Invalid Payload. Please Try With Valid Payload

The paymentTokenId is invalid or expired (older than 24 hours).

Data Tokenization Key is not valid,Please try with valid Key

The tokenization key has expired or is no longer valid.

Invalid Request, Please try again

Either the request is invalid or the HSM (Hardware Security Module) is down

Process Failed. Please try with new Token

No response was received from the HSM to complete decryption.

Invalid Request, Please try again

An internal exception occurred while invoking the HSM application.

Invalid Request, Please try again

HSM returned an invalid or unexpected response.

Invalid TPN. Please verify the Terminal Profile Number.

The TPN you entered is incorrect. Please check and try again.

TPN status is suspended. Please contact support to reactivate the terminal.

The TPN is suspended. You’ll need to contact support to get it reactivated.

TPN is inactive. Please activate the TPN or contact support.

The TPN is not active. Please activate it or reach out to support for help.

Invalid token. Please authenticate again with a valid token.

The token used isn’t valid. Try logging in again to get a new one.

Token is expired.

Your token has expired. To generate a new one, call the “Refresh-Token” API.

Invalid Token. Please Provide Valid Token.

The token provided is not valid. Make sure you’re using the correct one.

Token must include encrypted scope and uniqueId.

The token is missing some required details. It needs both scope and uniqueId.

User is not registered for Payment Tokenization.

Your account isn’t set up for payment tokenization. Please register or contact support.

The token contains an invalid scope. Please ensure the scope matches one of the allowed values.

The scope inside your token isn’t correct. Please use one of the supported options.

The merchant token is not encrypted using a valid or recognized public key. Please verify the encryption process and key used.

The token wasn’t encrypted properly. Make sure you’re using the correct method and key.

API Key is required.

The API key is missing. Please include it in your request.

Secret Key is required.

The secret key is missing. Make sure to provide it for authentication.

Scope is required.

You must specify a scope in your request.

Invalid Credentials, Please Contact Support Team.

The API key or secret is incorrect. Contact support if you’re unsure.

Invalid scope provided. Please use a valid scope.

The scope provided is not valid. Use one of the supported scopes.

Invalid Token, Please try with a Valid Token.

The token used is not valid. Please get a new one and try again.

Invalid Token, Please try with a Valid Token.

Same as above. Token is invalid. Please use a valid one.

Invalid Signature.

The request signature doesn’t match. Check your signing method and try again.

Refresh Token needs to be true in the Header.

You must set refreshToken=true in the request header for this action.

PUBLIC_KEY_MISSING

Authentication system is not configured. Please try again later.

TOKEN_MISSING

Missing authentication token. Please include a valid API token in your request.

TOKEN_EXPIRED

Your API token has expired. Please generate a new token.

TOKEN_INVALID

The provided API token is invalid. Please check your credentials.

TOKEN_VERIFICATION_FAILED

Unable to verify the provided API token. Please try again.

TOKEN_VERIFICATION_FAILED

An internal error occurred while verifying your API token. Please try again later.

TOKEN_INACTIVE

The provided API token is inactive or revoked. Please request a new token.

ACCESS_DENIED

Only ISO, MERCHANT, STORE allowed to set Recurring!

IN_ACTIVE

ISO is in-active!

IN_ACTIVE

MERCHANT is in-active!

IN_ACTIVE

STORE is in-active!

NOT_FOUND

We couldn’t find a match for this Customer ID. Please check the ID and try again.

PRECONDITION_FAILED

Consumer ID and TPN must be from the same store.

ACCESS_DENIED

The Customer ID does not belong to this iso.

ACCESS_DENIED

The Customer ID does not belong to this merchant.

ACCESS_DENIED

The Customer ID does not belong to this store.

NOT_FOUND

We couldn’t find a match for this Subscription ID. Please check the ID and try again.

NOT_FOUND

Subscription ID and TPN must be from the same store.

NOT_FOUND

The subscription is not active. Please activate it before making changes.

ACCESS_DENIED

The Subscription ID does not belong to this iso.

ACCESS_DENIED

The Subscription ID does not belong to this merchant.

ACCESS_DENIED

The Subscription ID does not belong to this store.

GENERATE_ECOM_TOKEN

The card is not linked to this customer. To proceed with pre-authorization, an Ecom token is required. Please generate the Ecom token for TPN ().

INTERNAL_ERROR

An error occurred while processing your request. Please try again later.

INVALID_CARD_TOKEN

Card token is invalid!

NOT_FOUND

No ACH payment method is available for this customer.

NOT_FOUND

No valid ACH payment method found. Please check the ACH token.

NOT_FOUND

No valid PPD payment method found. Please check the ACH token or SEC code.

NOT_FOUND

No valid WEB payment method found. Please check the ACH token or SEC code.

NOT_FOUND

No valid CCD payment method found. Please check the ACH token or SEC code.

NOT_FOUND

No valid TEL payment method found. Please check the ACH token or SEC code.

NOT_FOUND

We couldn’t find a match for this TPN. Please check the TPN and try again.

NOT_FOUND

TPN is not active.

ACCESS_DENIED

The TPN does not belong to this iso.

ACCESS_DENIED

The TPN does not belong to this merchant.

ACCESS_DENIED

The TPN does not belong to this store.

BAD_REQUEST

Start date is required.

BAD_REQUEST

Start date is invalid. Please enter a valid date in YYYY-MM-DD format (e.g., 1947-01-01).

BAD_REQUEST

Start date cannot be today or in the past. Please choose a future date.

BAD_REQUEST

End criteria is required.

BAD_REQUEST

End criteria must be one of: NEVER, AFTER_A_SPECIFIC_DATE, AFTER_NO_OF_INSTALLMENTS.

BAD_REQUEST

Status is required.

BAD_REQUEST

Status must be one of: ACTIVE, CANCEL.

BAD_REQUEST

Preferred day is required.

BAD_REQUEST

Preferred day must be one of: MONDAY, TUESDAY, WEDNESDAY, THURSDAY, FRIDAY, SATURDAY, SUNDAY.

BAD_REQUEST

The preferred day must align with the start date. Your start date falls on (EST), but selected day is <SELECTED_DAY>. Please choose as your preferred day.

BAD_REQUEST

End date is required.

BAD_REQUEST

End date is invalid. Please enter a valid date in YYYY-MM-DD format (e.g., 1947-01-01).

BAD_REQUEST

End date cannot be today or in the past. Please choose a future date.

BAD_REQUEST

End date must be after start date.

BAD_REQUEST

End date must be after both day 1 and day 2. Please choose a date after <MAX_DATE>.

BAD_REQUEST

End value is required.

BAD_REQUEST

End count must be greater than 1.

BAD_REQUEST

End count can’t be more than 100.

BAD_REQUEST

Custom interval days is required.

BAD_REQUEST

Custom interval days must be greater than 1.

BAD_REQUEST

Custom interval days can’t be more than 365.

BAD_REQUEST

Day 1 is required.

BAD_REQUEST

Day 1 must be at least 1.

BAD_REQUEST

Day 1 cannot be more than 31.

BAD_REQUEST

Day 2 is required.

BAD_REQUEST

Day 1 and Day 2 cannot be the same.

BAD_REQUEST

Day 2 must be at least 1.

BAD_REQUEST

Day 2 cannot be more than 31.

BAD_REQUEST

Day 1 is invalid. Please enter a valid date in YYYY-MM-DD format (e.g., 1947-01-01).

BAD_REQUEST

Day 2 is invalid. Please enter a valid date in YYYY-MM-DD format (e.g., 1947-01-01).

BAD_REQUEST

Day 2 cannot be today or in the past. Please choose a future date.

BAD_REQUEST

Sec code must be one of: PPD, WEB, CCD, TEL.

BAD_REQUEST

Description must not be longer than 100 characters.

BAD_REQUEST

Reference ID can only contain letters and numbers.

BAD_REQUEST

Reference ID must be at least 1 character long.

BAD_REQUEST

Reference ID cannot exceed 12 characters.

SUCCESS

subscription added successfully

SUCCESS

subscription updated successfully

NOT_FOUND

Subscription not found.

NO_CHANGE

The subscription is already ACTIVE.

NO_CHANGE

The subscription is already CANCELLED.

SUCCESS

Your subscription has been activated.

SUCCESS

Your subscription has been cancelled.

SUCCESS

transactions

SUCCESS

cards and ach

INTERNAL_ERROR

An error occurred while processing your request. Please try again later.

The swipe card operation was successful.

Please update the timeout to be in the range of 10 to 90 seconds.

Unable to support this device model.

Unable to initialize card reader.

Unable to initialize card reader. Context is null.

Unable to support this device model.

Failed to open card reader

Failed to read card data.

Card detection timeout.

Exception in card detection.

All track data null.

Card detection timeout.

We don’t support this device.

Swipe reader failed.

Device exception.

Invalid Token

The request failed due to an invalid or expired token.

Device does not exist

The specified device was not found in the system.

TPN status is suspended

Transactions are blocked because the TPN is suspended.

TPN status is not active

The TPN must be active to proceed with the transaction

Invalid amount

The transaction amount is either missing or improperly formatted.

Invalid transaction type

The transaction type is not recognized or unsupported

Card Token cannot be empty

Card token is required for processing the transaction

RRN cannot be empty

RRN is required but was not provided in the request

Steam setting for tip, fee & tax are not found to requested TPN

Tip/Fee/Tax settings are not configured in S.T.E.A.M → Edit Parameters for the requested TPN

AVS is Mandatory -- (using multiple place)

Address Verification System (AVS) information is required

Street No is Mandatory

Street number is required for AVS or transaction validation

Zip Code is Mandatory

Zip code is required as part of address verification or validation

RRN cannot be null

RRN field must contain a value and cannot be null

REFUND cannot be processed as you have exceeded the maximum limit of + refundenableCount + attempts

Refund request exceeded the allowed number of attempts

High amount value

Transaction amount exceeds the allowable or configured limit

This transaction is already voided

The transaction cannot be voided again

This transaction is already refunded

Refund cannot proceed as it has already been processed

Refund option is disabled for this TPN

Refunds are not permitted for the current TPN configuration

Void option is disabled for this TPN

Void transactions are not permitted for this TPN

Invalid transaction request

The transaction request failed due to validation or formatting issues

Amount cannot be empty

amount field is missing or empty and it must be provided for processing

Card Token cannot be empty

Card token is mandatory and must be included

Tip is not enabled for this TPN

Tips are not supported under this TPN

Txn not supported

The type of transaction is not allowed under current settings

Incremental auth can be done with Original PreAuth

Incremental authorization requires a valid PreAuth transaction

Incremental auth can only be done before closing the ticket

You cannot perform incremental authorization after closing the ticket

Please close this ticket

The number of incremental auth attempts has been exceeded

No Open Batch For this TPN

No active batch session is available for the given TPN

Error Connecting With Open Batch Api, Please Try Again

System failed to connect to the batch service API

Transaction reference ID must be unique

Duplicate reference ID detected. Each transaction must have a distinct reference ID

Partial Approval Decline

The transaction was partially approved but ultimately declined

Settlement Is Being Processed

Settlement process timed out or is currently in progress

notAllowed

Account not allowed

backgroundRequestNotAllowed

Background request not allowed

unsupported

Unsupported hardware or a problem with the device

osVersionNotSupported

Please update your app to the latest iOS version

modelNotSupported

Current device doesn't support NFC

networkError

Please check your network settings and try again

networkAuthenticationError

An authentication error occurred during the server connection

serviceConnectionError

Internal service is unavailable

notReady

Please try the session again to resolve the issue

emptyReaderToken

The token is empty, making it invalid

prepareExpired

Please reinitiate the session to try again

tokenExpired

Token Expired

readerMemoryFull

The card reader is busy

accountNotLinked

Accept the Terms and Conditions using a valid Apple ID

accountAlreadyLinked

Terms and Conditions have already been accepted

accountLinkingFailed

The system couldn't link or relink the merchant using the provided Apple ID

accountLinkingRequiresiCloudSignIn

Please accept the Terms and Conditions on your device while signed into iCloud

accountLinkingCancelled

The linking or relinking operation has been canceled

merchantBlocked

The merchant is blocked

invalidMerchant

The merchant is invalid or unknown

somethingWentWrong

The merchant is invalid or unknown

cardReadFailed

The reader was unable to read a card

invalidAmount

Amount must be positive and contain less than 10 digits

invalidCurrencyCode

Currency code in the request must follow the ISO 4217 standard

nfcDisabled

The user needs to enable their NFC

noReaderSession

No reader session is available or the session isn't ready

passcodeDisabled

Passcode disabled. Please set a security passcode on your device

paymentCardDeclined

The payment card declined the transaction

paymentReadFailed

An internal failure prevented the read operation

pinCancelled

The current PIN capture was canceled, thereby canceling any ongoing read operation

pinNotAllowed

The time window for capturing a PIN after a card read has expired

pinEntryFailed

An error occurred when capturing the PIN

pinEntryTimeout

The ongoing PIN capture was not completed within the given time

pinTokenInvalid

An error that indicates an invalid PIN token

readFromBackgroundError

Read operations aren't allowed when an app is running in the background

readNotAllowed

This error usually occurs when there's an entitlement issue

readNotAllowedDuringCall

Read operations aren't allowed during a phone call

readerServiceConnectionError

The session wasn't able to connect the system UI or other services

readerServiceError

Reader service internal state issue occurred

readerSessionAuthenticationError

An authentication error occurred while refreshing reader session

readerSessionBusy

The reader is busy with another session

readerSessionExpired

The reader session expired and couldn't refresh due to other state changes

readerSessionNetworkError

Network error occurred that prevented a reader session refresh

readerTokenExpired

The configuration token for the reader session expired

vasReadFail

Error occurred when reading a loyalty pass

invalidReaderToken

Invalid reader token

prepareFailed

Prepare session failed

entitlementIssue

Please check the tap on phone entitlement configuration

environmentIssue

The token key environment is not acceptable

deviceSupportTapOnPay

Device Supports Tap to Pay

deviceUnSupportTapOnPay

Your current device does not support NFC

readerSessionCleanUp

Reader session cleaned up