Overview

This page describes the responses you may receive when sending CardPointe Gateway API requests, including HTTP errors and a detailed reference for authorization response codes.

HTTP Errors

HTTP errors are returned when the client (for example, the browser) encounters an issue communicating with the host server.

Error	Description
400	The server was unable to decipher the request because of invalid syntax. Update the request before repeating.
401	The credentials passed in the request were not accepted by the server. Update the request before repeating.
404	The endpoint url path specified in the request was incorrect.
500	The host server encountered an issue and was unable to send a response.

Response Codes

The CardPointe Gateway validates various parameters of a request prior to sending it to a payment card processor. For this internal validation, the card processor field (respproc) contains PPS.

If the request passes the internal validation, the request is forwarded to the appropriate payment processor based on the merchant ID, and the payment processor supplies the response values.

Each payment processor has a unique set of response codes. Generally, a processor response code (respcode) beginning with "00" or "000" is a successful authorization request. The respstat response indicates one of the following:

A - Approval
B - Temporary processing issue, such as a network error
C - Rejection

Gateway (PPS) Response Codes

The CardPointe Gateway validates various parameters of an authorization request prior to sending it to the payment card processor. The following response codes describe the approval and decline responses returned by the CardPointe Gateway.

The CardPointe Gateway does not validate the expiration date or automatically decline expired cards. Some issuers accept authorizations for expired cards; however, the issuer may decline an expired card based on its specific policies.

Gateway Response Codes (PPS)

respproc	respcode	respstat	resptext
PPS	00	A	"Approval"
PPS	01	A	"VoiceAuth Approved"
PPS	08	A	"Profile Deleted"
PPS	09	A	"Profile Saved"
PPS	11	C	"Invalid card"
PPS	12	C	"Invalid track"
PPS	13	C	"Bad card check digit"
PPS	14	C	"Non-numeric CVV"
PPS	15	C	"Non-numeric expiry"
PPS	16	C	"Card expired"
PPS	17	C	"Invalid zip"
PPS	18	C	"CardDefense Review"
PPS	19	C	"CardDefense Decline"
PPS	21	C	"Invalid merchant"
PPS	22	C	"No auth route"
PPS	23	C	"No auth queue"
PPS	24	C	"Reversal not supported"
PPS	25	C	"No matching auth for reversal"
PPS	26	A	"Txn Settled"
PPS	27	C	"Txn Batched"
PPS	28	C	"Txn not settled"
PPS	29	C	"Txn not found"
PPS	31	C	"Invalid currency"
PPS	32	C	"Wrong currency for merch"
PPS	33	C	"Unknown card type"
PPS	34	C	"Invalid field"
PPS	35	C	"No postal code"
PPS	36	C	"Duplicate sequence"
PPS	37	C	"CVV mismatch"
PPS	38	C	"CVV is required"
PPS	39	C	"Void not permitted after 30 days"
PPS	41	C	"Below min amount"
PPS	42	C	"Above max amount"
PPS	43	C	"Invalid amount"
PPS	44	C	"Prepaid not supported"
PPS	45	C	"Refunds without reference not supported"
PPS	46	C	"Partial refunds not supported"
PPS	48	C	"Echeck not supported"
PPS	61	B	"Line down"
PPS	62	B	"Timed out" Note: See Handling Timed-Out Transactions for more information.
PPS	63	C	"Bad resp format"
PPS	64	C	"Bad HTTP header"
PPS	65	C	"Socket close error"
PPS	66	C	"Response mismatch"
PPS	70	C	"Voice authorization cannot be voided"
PPS	71	C	"EMV data not authorized"
PPS	91	C	"No TokenSecure"
PPS	92	C	"No Merchant table"
PPS	93	C	"No Database"
PPS	94	C	"No action"
PPS	95	C	"Missing config"
PPS	96	C	"Profile not found"
PPS	97	C	"Merchant disabled"
PPS	98	C	"Invalid token"
PPS	99	C	"Invalid card"
PPS	101	C	“AVS Mismatch”
PPS	102	C	“Service Fee Declined”
PPS	103	C	“Service Fee Txn not found”
PPS	104	C	“Surcharge Not Supported”
PPS	105	C	"Invalid EMV"
PPS	106	B	"Invalid method. Please insert card"

Processing Host Response Codes

American Express Response Codes (AMEX)

respproc	respcode	respstat	resptext
AMEX	000	A	"Approval"
AMEX	001	A	"Approval with ID"
AMEX	002	A	"Partial Approval"
AMEX	003	A	"Approval VIP"
AMEX	100	C	"Decline"
AMEX	101	C	"Expired card"
AMEX	103	C	"CID failed"
AMEX	105	C	"Card cancelled"
AMEX	107	C	"Call issuer"
AMEX	109	C	"Invalid merchant"
AMEX	110	C	"Invalid amount"
AMEX	111	C	"Invalid card"
AMEX	115	C	"Function not supported"
AMEX	116	C	"Insufficient funds"
AMEX	121	C	"Limit exceeded"
AMEX	122	C	"Invalid CID"
AMEX	181	C	"Invalid feature"
AMEX	182	B	"Try later"
AMEX	187	C	"Deny - new card issued"
AMEX	188	C	"Deny - canceled"
AMEX	200	C	"Pick up card"
AMEX	400	A	"Reversal"

First Data North Response Codes (FNOR)

respproc	respcode	respstat	resptext
FNOR	00	A	"Approval"
FNOR	10	A	"Partial Approval"
FNOR	76	A	"Reversed"
FNOR	85	A	"Validated"
FNOR	01	C	"Refer to issuer"
FNOR	03	C	"Invalid merchant"
FNOR	05	C	"Do not honor"
FNOR	12	C	"Invalid transaction"
FNOR	13	C	"Invalid amount"
FNOR	14	C	"Invalid card number"
FNOR	25	C	"Invalid terminal"
FNOR	28	B	"Please retry"
FNOR	51	C	"Declined"
FNOR	54	C	"Wrong expiration"
FNOR	55	C	"Incorrect pin"
FNOR	57	C	"Invalid txn for card"
FNOR	60	C	"Declined" # Capture card
FNOR	61	C	"Exceeds withdrawal limit"
FNOR	63	C	"Service not allowed"
FNOR	69	C	"Host key error"
FNOR	75	C	"Pin try exceeded"
FNOR	89	C	"Invalid Term ID"
FNOR	91	B	"System error"
FNOR	94	C	"Duplicate tran"
FNOR	1A	C	"Need addl authentication"
FNOR	1B	C	"Need PIN data"
FNOR	C2	C	"CVV decline"
FNOR	CE	C	"System problem"
FNOR	N3	C	"Invalid Account"
FNOR	NG	C	"Reversal rejected"
FNOR	NH	C	"Enter lesser amt"
FNOR	NI	C	"Pin decrypt error"
FNOR	NK	C	"Crypto box offline"
FNOR	NL	B	"Debit switch down"
FNOR	NM	C	"Issuer unavailable" # Debit cards
FNOR	NN	C	"Bad debit card"
FNOR	NP	C	"Bad debit merchant"
FNOR	NQ	C	"Tran limit exceeded"
FNOR	NR	C	"Tran freq exceeded"
FNOR	NS	C	"Error decrypting pin"
FNOR	NU	C	"Insufficient funds"
FNOR	RW	C	"Reversal outside window"

First Data Nashville Response Codes (NASH)

respproc	respcode	respstat	resptext
NASH	00	A	"Approval"
NASH	10	A	"Partial Approval"
NASH	76	A	"Reversed"
NASH	85	A	"Validated"
NASH	01	C	"Refer to issuer"
NASH	03	C	"Invalid merchant"
NASH	05	C	"Do not honor"
NASH	12	C	"Invalid transaction"
NASH	13	C	"Invalid amount"
NASH	14	C	"Invalid card number"
NASH	25	C	"Invalid terminal"
NASH	28	B	"Please retry"
NASH	51	C	"Declined"
NASH	54	C	"Wrong expiration" # Expired card
NASH	55	C	"Incorrect pin"
NASH	57	C	"Invalid txn for card"
NASH	60	C	"Declined" # Capture card
NASH	61	C	"Exceeds withdrawal limit"
NASH	63	C	"Service not allowed"
NASH	69	C	"Host key error"
NASH	75	C	"Pin try exceeded"
NASH	89	C	"Invalid Term ID"
NASH	91	B	"System error"
NASH	94	C	"Duplicate tran"
NASH	C2	C	"CVV decline"
NASH	CE	C	"System problem"
NASH	N3	C	"Invalid Account"
NASH	NG	C	"Reversal rejected"
NASH	NH	C	"Enter lesser amt"
NASH	NI	C	"Pin decrypt error"
NASH	NK	C	"Crypto box offline"
NASH	NL	B	"Debit switch down"
NASH	NM	C	"Issuer unavailable" # Debit cards
NASH	NN	C	"Bad debit card"
NASH	NP	C	"Bad debit merchant"
NASH	NQ	C	"Tran limit exceeded"
NASH	NR	C	"Tran freq exceeded"
NASH	NS	C	"Error decrypting pin"
NASH	NU	C	"Insufficient funds"
NASH	RW	C	"Reversal outside window"

First Data Omaha Response Codes (FOMA)

respproc	respcode	respstat	resptext
FOMA	0	A	"Approval"
FOMA	00	A	"Approval"
FOMA	01	C	"Call"
FOMA	02	C	"Invalid amount"
FOMA	03	C	"Invalid card"
FOMA	04	C	"Invalid merchant"
FOMA	05	C	"Decline"
FOMA	06	C	"Wrong expiry"
FOMA	07	C	"Invalid expiry"
FOMA	08	C	"Transmit error"
FOMA	09	B	"Timeout - retry"
FOMA	10	A	"Approval"
FOMA	11	B	"Invalid batch"
FOMA	12	C	"Unmatched void"
FOMA	13	C	"Invalid tran type"
FOMA	14	C	"Invalid CVV2"
FOMA	76	A	"Reversed"
FOMA	99	C	"Decline"

First Data South Response Codes (FDMS)

respproc	respcode	respstat	resptext
FDMS	0	A	"Approval"
FDMS	3	C	"Not valid"
FDMS	4	C	"Referral"
FDMS	6	C	"Reenter"
FDMS	7	C	"Decline"
FDMS	A00	A	"Approval"

Rapid Connect Response Codes (RPCT)

respproc	respcode	respstat	resptext
RPCT	000	A	"Approve"
RPCT	001	C	"Schema Validation Error"
RPCT	002	A	"Approve for partial amount"
RPCT	003	A	"Approve VIP"
RPCT	100	C	"Do not honor"
RPCT	101	C	"Expired card"
RPCT	102	C	"Suspected fraud"
RPCT	104	C	"Restricted card"
RPCT	105	C	"Call acquirer security department"
RPCT	106	C	"Allowable PIN tries exceeded"
RPCT	107	C	"Call for authorization"
RPCT	108	C	"Refer to issuer special conditions"
RPCT	109	C	"Invalid merchant"
RPCT	110	C	"Invalid amount"
RPCT	114	C	"Invalid account type"
RPCT	116	C	"Not sufficient funds"
RPCT	117	C	"Incorrect PIN"
RPCT	118	C	"No card record"
RPCT	119	C	"Transaction not permitted to cardholder"
RPCT	120	C	"Transaction not permitted to terminal"
RPCT	121	C	"Exceeds withdrawal amount"
RPCT	122	C	"Security violation"
RPCT	123	C	"Exceeds withdrawal frequency limit"
RPCT	124	C	"Violation of law"
RPCT	129	C	"Suspected counterfeit card"
RPCT	130	C	"Invalid terminal"
RPCT	131	C	"Invalid account number"
RPCT	132	C	"Unmatched card expiry date"
RPCT	150	C	"Invalid merchant set up"
RPCT	151	C	"Activation failed"
RPCT	152	C	"Exceeds limit"
RPCT	153	C	"Already redeemed"
RPCT	154	C	"Over monthly limit"
RPCT	155	C	"Recharge amount exceeded"
RPCT	156	C	"Max number of recharges exceeded"
RPCT	157	C	"Invalid entry"
RPCT	208	C	"Lost card"
RPCT	209	C	"Stolen card"
RPCT	302	C	"Account closed"
RPCT	303	C	"Unknown account"
RPCT	304	C	"Inactive account"
RPCT	308	C	"Already active"
RPCT	311	C	"Not lost or stolen"
RPCT	315	C	"Bad mag stripe"
RPCT	316	C	"Incorrect location"
RPCT	317	C	"Max balance exceeded"
RPCT	318	C	"Invalid amount"
RPCT	319	C	"Invalid clerk"
RPCT	320	C	"Invalid password"
RPCT	321	C	"Invalid new password"
RPCT	322	C	"Exceeded account reloads"
RPCT	323	C	"Password retry exceeded"
RPCT	326	C	"Incorrect transaction version or format number for POS"
RPCT	327	C	"Request not permitted by this account"
RPCT	328	C	"Request not permitted by this merchant location"
RPCT	329	C	"Bad repay date"
RPCT	330	C	"Bad checksum"
RPCT	331	C	"Balance not available (denial)"
RPCT	332	C	"Account locked"
RPCT	333	C	"No previous transaction"
RPCT	334	C	"Already reversed"
RPCT	336	C	"Bad Authorization ID"
RPCT	337	C	"Too many transactions requested"
RPCT	338	C	"No transactions available/no more transactions available"
RPCT	339	C	"Transaction history not available"
RPCT	340	C	"New password required"
RPCT	341	C	"Invalid status change"
RPCT	342	C	"Void of activation after account activity"
RPCT	343	C	"No phone service"
RPCT	344	C	"Internet access disabled"
RPCT	351	C	"PIN authentication required"
RPCT	355	C	"Invalid currency"
RPCT	357	C	"Currency conversion error"
RPCT	359	C	"The terminal transaction number did not match"
RPCT	367	C	"Target embossed card entered and Transaction count entered do not match"
RPCT	368	C	"No account link"
RPCT	369	C	"Invalid time zone"
RPCT	370	C	"Account on hold"
RPCT	372	C	"Promo location restricted"
RPCT	373	C	"Invalid Card Account"
RPCT	374	C	"Product code(s) restricted"
RPCT	375	C	"Bad Post Date. The Post Date is not a valid date"
RPCT	376	C	"Account status is void lock"
RPCT	377	C	"Already active and reloadable"
RPCT	378	C	"Account is Purged"
RPCT	380	C	"Bulk activation error"
RPCT	381	C	"Bulk activation un-attempted error"
RPCT	382	C	"Bulk activation package amount error"
RPCT	383	C	"Store location zero not allowed"
RPCT	384	C	"Account row locked"
RPCT	385	C	"Accepted but not yet processed"
RPCT	401	C	"Offer Processing Error"
RPCT	402	C	"TransArmor Service Unavailable"
RPCT	403	C	"TransArmor Invalid Token or Account Number"
RPCT	404	C	"TransArmor Key Error"
RPCT	500	C	"Decline"
RPCT	501	C	"Date of Birth Error for Check Processing"
RPCT	502	C	"Invalid State Code"
RPCT	503	C	"New Account Information"
RPCT	504	C	"Do not try again"
RPCT	505	B	"Please retry"
RPCT	506	C	"Invalid Checking Account Number"
RPCT	507	C	"New Account Information available"
RPCT	508	B	"Try again later - Declined"
RPCT	509	C	"Do not try again - The card has expired"
RPCT	510	C	"New Account Information - The card has expired"
RPCT	511	B	"The card has expired. Get the new expiration date and try again."
RPCT	512	C	"Service not allowed"
RPCT	513	C	"Decline. Transaction not permitted to acquirer or terminal."
RPCT	514	C	"Do not try again - There was security violation"
RPCT	515	C	"Declined. No term record on First Data system."
RPCT	516	B	"Please retry"
RPCT	517	C	"CVV2 Declined"
RPCT	518	C	"Invalid account/date or sales date in future"
RPCT	519	C	"Invalid Effective Date"
RPCT	520	C	"Reversal Rejected"
RPCT	521	C	"Enter lesser amount"
RPCT	522	C	"Cash Back greater than total Transaction amount"
RPCT	523	C	"Crypto box is offline"
RPCT	524	C	"Debit Switch unavailable"
RPCT	525	C	"Debit/EBT network gateway cannot get through to the ISSUER"
RPCT	526	C	"Undefined Card"
RPCT	527	C	"Network Response indicates that Merchant ID / SE is invalid"
RPCT	528	C	"Debit/EBT transaction count exceeds pre-determined limit in specified time/ Withdrawal limit exceeded"
RPCT	529	C	"Resubmission of transaction violates debit/EBT network frequency"
RPCT	530	C	"The authorizing network has a problem decrypting the cryptogram in the request"
RPCT	531	C	"Retry with 3DS" See our 3-D Secure 2.0 support article for information on integrating 3-D Secure if required for your business.
RPCT	532	C	"The DUKPT Base Derivation key is missing or incorrect in the PIN pad or PIN key synchronization error"
RPCT	540	C	"Edit Honor"
RPCT	541	C	"No Savings Account"
RPCT	542	C	"DUKPT: An error while processing the PIN block that is not related to the point- of sale equipment"
RPCT	550	C	"Invalid Vehicle"
RPCT	551	C	"Invalid Driver"
RPCT	552	C	"Invalid Product"
RPCT	553	C	"Exceeds transaction total limit per product class"
RPCT	554	C	"Over daily limit"
RPCT	555	C	"Invalid Date/Time"
RPCT	556	C	"Exceeds quantity"
RPCT	557	C	"Invalid prompt entry"
RPCT	558	C	"Invalid Track 2 data"
RPCT	559	C	"Voyager ID problem"
RPCT	560	C	"Invalid Odometer"
RPCT	561	C	"Invalid Restriction Code"
RPCT	562	C	"Pay at pump not allowed"
RPCT	563	C	"Over fuel limit"
RPCT	564	C	"Over cash limit"
RPCT	565	C	"Fuel price error"
RPCT	566	C	"Y or N required"
RPCT	567	C	"Over repair limit"
RPCT	568	C	"Over additive limit"
RPCT	569	C	"Invalid user"
RPCT	701	A	"Approved EMV Key Load"
RPCT	702	C	"EMV Key Download Error"
RPCT	703	A	"Approved EMV Key Load-more key load data pending"
RPCT	704	C	"Pick Up Card"
RPCT	708	A	"Honor With Authentication"
RPCT	721	C	"Invalid ZIP Code"
RPCT	722	C	"Invalid value in the field"
RPCT	723	C	"Driver's License or ID is Required"
RPCT	724	C	"Referred - Not Active"
RPCT	726	C	"Unable to Locate Record On File"
RPCT	727	C	"Refer - Call Authorization"
RPCT	728	C	"Referred - Skip Trace Info"
RPCT	729	C	"Hard Negative Info On File"
RPCT	731	C	"Rejected Lost/Stolen Checks"
RPCT	740	C	"Totals Unavailable"
RPCT	767	C	"Hard Capture; Pick Up"
RPCT	771	C	"Amount Too Large"
RPCT	772	C	"Duplicate Return"
RPCT	773	C	"Unsuccessful"
RPCT	774	C	"Duplicate Reversal"
RPCT	775	C	"Subsystem Unavailable"
RPCT	776	C	"Duplicate Completion"
RPCT	782	C	"Count Exceeds Limit"
RPCT	785	A	"No reason to decline"
RPCT	790	C	"Do not resubmit same transaction but continue billing process in subsequent billing period"
RPCT	791	C	"Stop recurring payment requests"
RPCT	792	C	"See attendant"
RPCT	801	C	"Over merchandise limit"
RPCT	802	C	"Imprint card"
RPCT	803	C	"Not on file"
RPCT	804	C	"Fuel only"
RPCT	805	C	"Velocity exceeded"
RPCT	806	C	"Authorization ID needed"
RPCT	807	C	"Over non-fuel limit"
RPCT	808	C	"Invalid location"
RPCT	809	C	"Over card velocity count"
RPCT	810	C	"Over card velocity amount"
RPCT	811	C	"Over issuer velocity count"
RPCT	812	C	"Over issuer velocity amount"
RPCT	813	C	"Over merchant daily velocity count"
RPCT	814	C	"Over merchant daily velocity amount"
RPCT	815	C	"Over merchant daily velocity both"
RPCT	816	C	"Over merchant product velocity amount"
RPCT	817	C	"Over merchant product velocity count"
RPCT	818	C	"Over merchant product velocity both"
RPCT	819	C	"Over chain daily velocity count"
RPCT	820	C	"Over chain daily velocity amount"
RPCT	821	C	"Over chain daily velocity both"
RPCT	822	C	"Over chain product velocity count"
RPCT	823	C	"Over chain product velocity both"
RPCT	824	C	"Over chain product velocity amount"
RPCT	825	C	"No chain ID for chain merchant"
RPCT	826	C	"Signature required"
RPCT	902	C	"Invalid transaction"
RPCT	904	C	"Format error"
RPCT	906	C	"System Error"
RPCT	907	C	"Card issuer or switch inoperative"
RPCT	908	C	"Transaction destination not found"
RPCT	909	C	"System malfunction"
RPCT	911	C	"Card issuer timed out"
RPCT	913	C	"Duplicate transaction"
RPCT	914	C	"Original Authorization was not found"
RPCT	915	C	"Timeout Reversal not supported. Resend the original transaction"
RPCT	920	B	"Security H/W or S/W error - try again"
RPCT	921	C	"Security H/W or S/W error"
RPCT	923	C	"Request in progress"
RPCT	924	C	"Limit check failed"
RPCT	940	C	"Error"
RPCT	941	C	"Invalid issuer"
RPCT	942	C	"Customer cancellation"
RPCT	944	C	"Invalid response"
RPCT	950	C	"Violation of business arrangement"
RPCT	954	C	"CCV failed"
RPCT	958	C	"CCV2 failed"
RPCT	959	C	"CAV failed"
RPCT	963	C	"Acquirer channel unavailable"

Elavon Response Codes (ELV)

respproc	respcode	respstat	resptext
ELV	00	A	"Approval"
ELV	01	C	"Referral"
ELV	03	C	"Invalid card"
ELV	05	C	"Decline"
ELV	06	C	"Expired card"
ELV	07	C	"Service not allowed"
ELV	08	C	"Invalid term id"
ELV	09	C	"Please retry"

PayPal Response Codes (PPAL)

respproc	respcode	respstat	resptext
PPAL	00	A	"Approval"
PPAL	0004	C	"Invalid Argument"
PPAL	0601	C	"Authorization has Expired"
PPAL	0602	C	"Already completed"
PPAL	0609	C	"Invalid TransactionID"
PPAL	0617	A	"Auth still valid"

PT Tampa Response Codes (PTAM)

respproc	respcode	respstat	resptext
PTAM	00	A	"Approval"
PTAM	01	C	"Refer to issuer"
PTAM	02	C	"Refer to issuer - special"
PTAM	03	C	"Invalid merchant"
PTAM	04	C	"Pick up card"
PTAM	05	C	"Do not honor"
PTAM	06	C	"General error"
PTAM	07	C	"Suspected fraud"
PTAM	08	A	"Approval"
PTAM	09	C	"Velocity limit exceeded"
PTAM	10	A	"Partial Approval"
PTAM	11	A	"VIP Approval"
PTAM	12	C	"Invalid transaction"
PTAM	13	C	"Invalid amount"
PTAM	14	C	"Invalid card number"
PTAM	15	C	"No such card issuer"
PTAM	16	C	"Account not active"
PTAM	17	C	"Declined"
PTAM	18	C	"Already reversed"
PTAM	19	B	"Re-enter transaction"
PTAM	23	C	"Duplicate batch"
PTAM	30	C	"Format error"
PTAM	33	C	"Expired card"
PTAM	38	C	"Invalid PIN"
PTAM	40	C	"Function not supported"
PTAM	43	C	"Lost/stolen card"
PTAM	54	C	"Wrong expiration" # Expired card
PTAM	57	C	"Invalid txn for card"
PTAM	58	C	"Terminal not permitted"
PTAM	63	C	"Invalid EMV"
PTAM	91	C	"Issuer or switch not operative"
PTAM	92	C	"Unable to route"
PTAM	93	C	"Busy, please retry"
PTAM	97	B	"System error"
PTAM	98	B	"Database error"
PTAM	99	B	"Forwarding error"

Paymentech Response Codes (PMT)

respproc	respcode	respstat	resptext
PMT	000	B	"System Down" # 000 from Paymentech
PMT	100	A	"Approval"
PMT	101	A	"Validated"
PMT	102	A	"Verified"
PMT	104	A	"Verified"
PMT	105	A	"Approved"
PMT	106	A	"Approved"
PMT	107	A	"Approved"
PMT	108	A	"Activated"
PMT	110	A	"Activated"
PMT	200	B	"Auth network down" # not documented
PMT	201	C	"Invalid CC number"
PMT	202	C	"Bad amount"
PMT	203	C	"Zero amount"
PMT	204	C	"Other error"
PMT	220	C	"Invalid store number"
PMT	225	C	"Invalid field data"
PMT	227	C	"Missing companion data"
PMT	231	C	"Invalid merchant code"
PMT	233	C	"Card does not match type"
PMT	234	C	"Duplicate order number"
PMT	236	C	"Auth Recycle host down"
PMT	238	C	"Invalid currency"
PMT	239	C	"Invalid card for merchant"
PMT	241	C	"Illegal action"
PMT	243	C	"Invalid Level 3 field"
PMT	245	C	"Invalid or missing 3DS"
PMT	248	C	"Unused field not blank"
PMT	249	C	"Invalid MCC"
PMT	253	C	"Invalid Maestro Recurring"
PMT	258	C	"Card type not allowed" # Canadian debit
PMT	260	C	"AVS mismatch"
PMT	275	C	"Ceiling limit"
PMT	299	B	"System Down" # 000 from Paymentech
PMT	301	C	"Issuer unavailable"
PMT	302	C	"Insufficient funds"
PMT	303	C	"Processor decline"
PMT	304	C	"Invalid card"
PMT	305	C	"Already reversed"
PMT	306	C	"Reversal amount mismatch"
PMT	307	C	"Reversal not found"
PMT	401	C	"Call"
PMT	402	C	"Default Call"
PMT	501	C	"Pickup card"
PMT	502	C	"Card reported lost"
PMT	503	C	"Fraud" # Discover only
PMT	508	C	"Excessive PIN try"
PMT	509	C	"Over activity limit"
PMT	510	C	"Over frequency limit"
PMT	519	C	"On Negative File"
PMT	521	C	"Insufficient funds"
PMT	522	C	"Card expired"
PMT	530	C	"Do not honor"
PMT	531	C	"CVV mismatch"
PMT	532	C	"3DS exemption invalid"
PMT	570	C	"Recurring stopped"
PMT	571	C	"Recurring stopped"
PMT	591	C	"Invalid card number"
PMT	592	C	"Bad amount"
PMT	594	C	"Other error"
PMT	596	C	"Suspected fraud"
PMT	602	C	"Invalid issuer code"
PMT	603	C	"Invalid issuer code"
PMT	605	C	"Invalid expiry date"
PMT	606	C	"Invalid tran type"
PMT	607	C	"Invalid amount"
PMT	802	C	"Need ID"
PMT	806	C	"Restraint"
PMT	811	C	"Amex CID mismatch"
PMT	825	C	"No such account"
PMT	833	C	"Invalid Amex merchant"
PMT	902	B	"Issuer system error"
PMT	903	C	"Invalid expiry"
PMT	904	C	"Card not active"

TSYS Response Codes (VPS)

respproc	respcode	respstat	resptext
VPS	00	A	"Approval"
VPS	01	C	"Refer to issuer"
VPS	02	C	"Refer to issuer - special"
VPS	03	C	"Invalid merchant"
VPS	04	C	"Pick up card"
VPS	05	C	"Do not honor"
VPS	06	C	"General error"
VPS	07	C	"Suspected fraud"
VPS	08	A	"Approval"
VPS	10	A	"Partial Approval"
VPS	11	A	"VIP Approval"
VPS	12	C	"Invalid transaction"
VPS	13	B	"Invalid amount"
VPS	14	B	"Invalid card number"
VPS	15	C	"No such card issuer"
VPS	19	B	"Re-enter transaction"
VPS	21	B	"Unable to back out"
VPS	23	C	"Bad fee amount"
VPS	28	B	"File temporarily unavailable"
VPS	33	C	"Wrong expiration date"
VPS	34	C	"Suspected fraud"
VPS	36	C	"Restricted card"
VPS	39	C	"No credit account"
VPS	41	C	"Card reported lost"
VPS	43	C	"Card reported stolen"
VPS	51	C	"Insufficient funds"
VPS	54	C	"Wrong expiration" // Expired card
VPS	55	C	"Incorrect PIN"
VPS	57	C	"Invalid txn for card"
VPS	58	C	"Terminal not permitted"
VPS	59	C	"Service not allowed"
VPS	61	C	"Exceeds withdrawal limit"
VPS	62	C	"Invalid service code"
VPS	63	C	"Security violation"
VPS	65	C	"Activity limit exceeded"
VPS	75	C	"PIN tries exceeded"
VPS	76	C	"Unable to match"
VPS	78	C	"No account"
VPS	80	C	"Invalid date"
VPS	81	C	"Cryptographic error"
VPS	82	C	"CVV incorrect"
VPS	85	A	"Validated"
VPS	91	C	"Issuer unavailable"
VPS	92	C	"Destination not found"
VPS	93	C	"Violation"
VPS	96	B	"System malfunction"
VPS	CV	C	"Card type error"
VPS	EA	C	"Acct length error"
VPS	EB	C	"Check digit error"
VPS	H1	C	"Daily threshold exceeded"
VPS	HV	C	"Hierarchy validation"
VPS	N7	C	"CVV mismatch"
VPS	V1	C	"Failure VM"

Moneris Response Codes (MNS)

respproc	respcode	respstat	resptext
MNS	00	A	"Approval"
MNS	01	A	"Approval"
MNS	02	C	"Refer to issuer - special"
MNS	03	C	"Invalid merchant"
MNS	04	C	"Pick up card"
MNS	05	C	"Do not honor"
MNS	06	C	"General error"
MNS	07	C	"Suspected fraud"
MNS	12	C	"Invalid transaction"
MNS	13	C	"Invalid amount"
MNS	14	C	"Invalid card number"
MNS	15	C	"No such card issuer"
MNS	19	B	"Re-enter transaction"
MNS	21	B	"Unable to back out"
MNS	23	C	"Bad fee amount"
MNS	28	B	"File temporarily unavailable"
MNS	34	C	"Suspected fraud"
MNS	39	C	"No credit account"
MNS	40	C	"Decline"
MNS	41	C	"Card reported lost"
MNS	43	C	"Card reported stolen"
MNS	51	C	"Insufficient funds"
MNS	54	C	"Wrong expiration" // Expired card
MNS	55	C	"Incorrect PIN"
MNS	57	C	"Invalid txn for card"
MNS	58	C	"Terminal not permitted"
MNS	59	C	"Service not allowed"
MNS	61	C	"Exceeds withdrawal limit"
MNS	62	C	"Invalid service code"
MNS	63	C	"Security violation"
MNS	65	C	"Activity limit exceeded"
MNS	75	C	"PIN tries exceeded"
MNS	76	C	"Unable to match"
MNS	78	C	"No account"
MNS	80	C	"Invalid date"
MNS	81	C	"Cryptographic error"
MNS	82	C	"CVV incorrect"
MNS	85	A	"Validated"
MNS	91	C	"Issuer unavailable"
MNS	92	C	"Destination not found"
MNS	93	C	"Violation"
MNS	96	B	"System malfunction"
MNS	98	C	"Duplicate"
MNS	99	C	"Decline"
MNS	N7	C	"Call"

DPS Payment Express Response Codes (DPS)

respproc	respcode	respstat	resptext
DPS	00	A	"Approval"
DPS	01	C	"Refer to issuer"
DPS	02	C	"Refer to issuer - special"
DPS	03	C	"Invalid merchant"
DPS	04	C	"Pick up card"
DPS	05	C	"Do not honor"
DPS	06	C	"Do not honor" //NZ
DPS	07	C	"Pick up card - special"
DPS	08	A	"Accept with sig"
DPS	10	A	"Approved" //NZ
DPS	11	A	"Approved" //NZ
DPS	12	C	"Invalid transaction"
DPS	13	C	"Invalid amount"
DPS	14	C	"Invalid card number"
DPS	15	C	"No such issuer"
DPS	16	A	"Approved" //NZ
DPS	19	B	"Re-enter transaction"
DPS	20	C	"Invalid response" //NZ
DPS	30	C	"Format error"
DPS	31	B	"Card not supported"
DPS	33	C	"Expired card"
DPS	34	C	"Expected Fraud"
DPS	35	C	"Restricted Card"
DPS	39	C	"No credit account"
DPS	41	C	"Card reported lost"
DPS	43	C	"Card reported stolen"
DPS	51	C	"Insufficient funds"
DPS	52	C	"Account error"
DPS	54	C	"Expired card"
DPS	56	C	"Invalid card"
DPS	57	C	"Card not permitted"
DPS	58	C	"Invalid txn"
DPS	59	C	"Suspected Fraud"
DPS	60	C	"Call acquirer"
DPS	61	C	"Above set limit"
DPS	62	C	"Restricted Card"
DPS	65	C	"Activity limit exceeded"
DPS	67	C	"Declined(67)"
DPS	76	C	"Declined"
DPS	77	A	"Approved" //NZ
DPS	91	C	"Issuer unavailable"
DPS	A5	C	"Declined(A5)"
DPS	AF	B	"Transmission error"
DPS	AP	B	"Busy - try again"
DPS	AQ	C	"Amex not enabled"
DPS	BH	C	"Wrong currency"
DPS	BN	C	"Decline (BN)"
DPS	BY	B	"Terminal busy"
DPS	CC	C	"Invalid DPSTxnRef"
DPS	D2	C	"No such user"
DPS	D4	C	"User blocked"
DPS	D5	C	"AU-NZ processor down"
DPS	D9	C	"Invalid merchant or password"
DPS	J1	C	"Refund Ref mismatch"
DPS	J2	C	"No match for refund"
DPS	J4	C	"Already settled"
DPS	J5	C	"Already refunded"
DPS	J8	C	"No match for refund"
DPS	J9	C	"No matching debit"
DPS	NU	C	"Invalid card"
DPS	O4	C	"No matching auth"
DPS	QG	C	"Invalid txn type"
DPS	QH	C	"Invalid expiry"
DPS	U9	B	"Timeout"
DPS	Y2	B	"CBA network"
DPS	YG	C	"Declined(YG)"

ProfitStars Response Codes (PSTR)

respproc	respcode	respstat	resptext
PSTR	00	A	"Success"
PSTR	01	C	"Duplicate Transaction"
PSTR	02	C	"Declined"
PSTR	03	C	"Data Not Valid"
PSTR	04	C	"Velocity Count"
PSTR	05	C	"Velocity Amount"
PSTR	06	C	"AVS Declined"
PSTR	07	C	"CCV Declined"
PSTR	08	C	"Expired"
PSTR	09	C	"Authorizer Suppressed Date"
PSTR	10	C	"Error Invalid Format"
PSTR	11	C	"Error Timeout"
PSTR	12	C	"Error Internal"
PSTR	13	C	"Velocity amount"
PSTR	14	C	"Error Not Supported"
PSTR	15	C	"Error Not Subscribed"
PSTR	16	C	"Error Batch Closed"
PSTR	17	C	"Error Invalid Batch"
PSTR	18	C	"Error Invalid Terminal"
PSTR	19	C	"Error Transaction Not Found"
PSTR	20	C	"Error Terminal Disabled"
PSTR	21	C	"Error Unspecified"
PSTR	28	C	"Routing Number Not Found"
PSTR	37	C	"Above max amount"
PSTR	40	C	"Not Subscribed to use this service"
PSTR	46	C	"The original transaction cannot have this operation performed on it at this time"
PSTR	99	C	This response code indicates that the processor encountered an exception during the authorization process (for example, an invalid routing number, or invalid account number length). The `resptext` returns a truncated version of the exception message, for example: "The RoutingNumber (nnnnnnnnn) is not a valid Routing Number." "The AccountNumber (nnnnnn) must be between 4 and 17 digits long."

Credorax Response Codes (CRDX)

respproc	respcode	respstat	resptext
CRDX	-9	C	"Parameter is malformed"
CRDX	0	A	"Success"
CRDX	00	A	"Approval"
CRDX	1	C	"Denied"
CRDX	2	C	"Fraud high risk"
CRDX	02	C	"Refer to card issuer"
CRDX	03	C	"AVS high risk"
CRDX	04	C	"Interchange timeout"
CRDX	05	C	"Declined"
CRDX	7	C	"Redirect URL issue"
CRDX	08	C	"Time-Out"
CRDX	9	C	"Invalid card check digit"
CRDX	13	C	"Invalid amount"
CRDX	14	C	"Invalid card number"
CRDX	54	C	"Expired card"
CRDX	59	C	"Suspected Fraud"
CRDX	76	C	"Invalid Account"
CRDX	83	A	"Not declined (zero amount validation)"
CRDX	89	C	"Security Violation"
CRDX	91	C	"Issuer not available"
CRDX	99	C	"Duplicate Transaction"

Vantiv Response Codes (VANT)

respproc	respcode	respstat	resptext
VANT	00	A	"Approval"
VANT	02	C	"Refer to issuer"
VANT	03	C	"Invalid merchant"
VANT	04	C	"Pick up card"
VANT	05	C	"Do not honor"
VANT	06	C	"General error"
VANT	07	C	"Suspected fraud"
VANT	08	A	"Approval with ID"
VANT	10	A	"Partial Approval"
VANT	11	A	"VIP Approval"
VANT	12	C	"Invalid transaction"
VANT	13	C	"Invalid amount"
VANT	14	C	"Invalid card number"
VANT	15	C	"No such card issuer"
VANT	17	C	"Customer cancellation"
VANT	19	B	"Retry transaction"
VANT	23	C	"Bad fee amount"
VANT	27	C	"File update field edit"
VANT	28	C	Update file temporarily unavailable"
VANT	30	C	"Format error"
VANT	33	C	"Expired card"
VANT	38	C	"PIN try limit exceeded"
VANT	39	C	"No Credit Account"
VANT	41	C	"Pick up card - Lost"
VANT	43	C	"Pick up card - Stolen"
VANT	51	C	"Insufficient funds"
VANT	52	C	"No Checking Account"
VANT	53	C	"No Savings Account"
VANT	54	C	"Expired card"
VANT	55	C	"Incorrect PIN"
VANT	56	C	"Cannot process"
VANT	57	C	"Invalid txn for card"
VANT	58	C	"Invalid txn for acquirer"
VANT	61	C	"Exceeds withdrawal limit"
VANT	62	C	"Restricted card"
VANT	63	C	"Security violation"
VANT	65	C	"Exceeds Withdrawal Frequency Limit"
VANT	67	C	"Pick up card"
VANT	75	C	"PIN try limit exceeded"
VANT	78	C	"No -To- Account Specified"
VANT	79	C	"No -From- Account Specified"
VANT	81	C	"PIN Key sync error"
VANT	82	C	"Invalid CVV"
VANT	83	C	"Unable to Verify PIN"
VANT	85	A	"Approval"
VANT	88	C	"Card record not available"
VANT	91	C	"Issuer inoperative"
VANT	92	B	"Unable to route transaction"
VANT	93	C	"Illegal transaction"
VANT	94	C	"Duplicate transaction"
VANT	95	C	"Reconciliation error"
VANT	96	B	"System malfunction"
VANT	97	A	"Amex rewards Approval"
VANT	98	C	"Duplicate transaction"
VANT	99	C	"Cannot be performed as debit"

AVS Response Codes for First Data Platforms

The most common AVS responses (avsresp) shared among the Rapid Connect, North, and Omaha processing platforms are categorized below.

The data below is not a complete representation of all possible AVS response codes, nor representative of AVS response codes returned by other processors. AVS responses vary by card brand and processor.

Successful Verification

The following response codes indicate that both the street address and postal code have been verified.

avsresp	Meaning	Card Brand	Cardholder Region	Address Match	Postal Code Match
Y	Yes	All	US	Yes	Yes, 5 digit ZIP
X	Exact Match	Visa, Mastercard, Discover	US	Yes	Yes, 9 digit ZIP
F	N/A	Visa	UK	Yes	Yes
D	N/A	Visa	Non-US	Yes	Yes

Partially Successful Verification

The following response codes indicate that only the street address, or the postal code has been verified.

avsresp	Meaning	Card Brand	Cardholder Region	Address Match	Postal Code Match
A	Address Matches	All	All	Yes	No
Z	ZIP Matches	Visa, AMEX	All	No	Yes, 5 or 9 digit ZIP
Z	ZIP Matches	Mastercard, Discover	All	No	Yes, 5 digit ZIP
W	Whole ZIP Matches	Mastercard, Discover	US	No	Yes, 9 digit ZIP
P	Postal Code Matches	Visa	Non-US	No, incompatible address provided	Yes

Unsuccessful Verification

The following response codes indicate that neither the street address nor the postal code could be verified.

avsresp	Meaning	Card Brand	Cardholder Region	Address Match	Postal Code Match
N	Nothing Matches	All	All	No	No

Unattempted Verification

The following response codes indicate that there was an issue in verifying the address, or that the verification was not attempted.

avsresp	Meaning	Card Brand	Cardholder Region	Description
R	Retry	All	All	Address Verification System unavailable. Try again.
S	Service not Supported	Mastercard, Amex, Discover	All	Issuer does not support address verification.
U	Unavailable	Mastercard, Amex, Discover	All	Address information is not available from card issuer or authorization system.
U	Unavailable	Visa	US	Address information is not available from card issuer or authorization system.
G	N/A	Visa, Discover	Non-US	Address Verification System not able to verify international address, or no attempt was made.
blank	N/A	All	All	A blank response indicates address verification was not attempted.

CVV Response Codes

If CVV Validation is enabled for your merchant account, and the authorization request includes a cardholder verification code (cvv2), then the authorization response includes an alpha-numeric cvvresp value returned by the processor.

cvvresp returns one of the following values:

M - Valid CVV Match.
N - Invalid CVV.
P - CVV Not Processed.
S - Merchant indicated that the CVV is not present on the card.
U - Card issuer is not certified and/or has not provided Visa encryption keys.
X or blank - No response.

Testing with Amount-Driven Response Codes

When testing your CardPointe Gateway or CardPointe Integrated Terminal integration in the UAT environment, you can use amount-driven response codes to emulate processor-specific authorization responses that you might encounter in the production environment. This allows you to receive and handle response codes that you would not otherwise encounter in your test environment.

See Test Cases in the CardPointe Gateway API Developer Guides for detailed information on testing with amount-driven response codes and other useful test cases.