Issuer reason code

Refer to the following list for accepted values in the field issuer_reason_code. This field is available for sync status updates.

Body example

{
  "CollectTransID3001200000000150000189": {
    "status": "approved",
    "ts": "2018-08-28T15:04:05Z",
    "acq_ref_id": "120100-479105-61D2C749-57E9",
    "issuer_reason_code": "000"
  },
  "CollectTransID3001200000000150000211": {
    "status": "declined",
    "ts": "2018-08-28T15:04:07Z",
    "issuer_decline_reason": "Expired card",
    "issuer_reason_code": "54"
  }
}

Value	Scheme	Description
000	AMEX	Approval
001	AMEX	Approval with ID
002	AMEX	Partial Approval
003	AMEX	Approval VIP
100	AMEX	Decline
101	AMEX	Expired card
103	AMEX	CID failed
105	AMEX	Card cancelled
107	AMEX	Call issuer
109	AMEX	Invalid merchant
110	AMEX	Invalid amount
111	AMEX	Invalid card
122	AMEX	Invalid CID
181	AMEX	Invalid feature
182	AMEX	Try later
188	AMEX	Deny - canceled
200	AMEX	Pick up card
400	AMEX	Reversal
00	VISA	Approved and completed successfully
01	VISA	Refer to card issuer
02	VISA	Refer to card issuer, special condition
03	VISA	Invalid merchant
04	VISA	Pick up card (no fraud)
05	VISA	Do not honor
06	VISA	Error
07	VISA	Pick up card, special condition (fraud account)
10	VISA	Partial approval
11	VISA	Approved (V.I.P)
12	VISA	Invalid transaction
13	VISA	Invalid amount or currency conversion field overflow
14	VISA	Invalid account number (no such number)
15	VISA	No such issuer
19	VISA	Re-enter transaction
21	VISA	No action taken
25	VISA	Unable to locate record in file
28	VISA	File temporarily not available for update or inquiry
39	VISA	No credit account
41	VISA	Lost card, pick up (fraud account)
43	VISA	Stolen card, pick up (fraud account)
51	VISA	Not sufficient funds
52	VISA	No checking account
53	VISA	No savings account
54	VISA	Expired card or expiration date is missing
55	VISA	Incorrect PIN or PIN missing
57	VISA	Transaction not permitted to cardholder
58	VISA	Transaction not allowed at terminal
59	VISA	Suspected fraud
61	VISA	Exceeds approval amount limit
62	VISA	Restricted card (card invalid in this region or country)
63	VISA	Security violation (source is not correct issuer)
64	VISA	Transaction does not fulfill AML requirement
65	VISA	Exceeds withdrawal frequency limit
70	VISA	PIN data required
74	VISA	Different value than that used for PIN encryption errors
75	VISA	Allowable number of PIN entry tries exceeded
76	VISA	Unsolicited reversal
78	VISA	“Blocked, first used”—Transaction from new cardholder, and card not properly unblocked
79	VISA	Already reversed (by Switch)
80	VISA	No financial impact
81	VISA	Cryptographic error found in PIN
82	VISA	Negative CAM, dCVV, iCVV, or CVV results
85	VISA	No reason to decline a request for address verification, CVV2 verification, or a credit voucher or merchandise return
86	VISA	Cannot verify PIN; for example, no PVV
89	VISA	Ineligible to receive financial position information (GIV)
91	VISA	Issuer or switch inoperative and STIP not applicable or not available for this transaction; Time-out when no stand-in; POS Check Service: Destination unavailable; Credit Voucher and Merchandise Return Authorizations: V.I.P. sent the transaction to the issuer, but the issuer was unavailable.
92	VISA	Financial institution or intermediate network facility cannot be found for routing (receiving institution ID is invalid)
93	VISA	Transaction cannot be completed - violation of law
1A	VISA	Additional customer authentication required
B1	VISA	Surcharge amount not permitted on Visa cards or EBT food stamps (U.S. acquirers only)
B2	VISA	Surcharge amount not supported by debit network issuer.
N0	VISA	Force STIP
N3	VISA	Cash service not available
N4	VISA	Cash request exceeds issuer or approved limit
N5	VISA	Ineligible for resubmission
N7	VISA	Decline for CVV2 failure
N8	VISA	Transaction amount exceeds preauthorized approval amount
P5	VISA	Denied PIN unblock—PIN change or unblock request declined by issuer
P6	VISA	Denied PIN change—requested PIN unsafe
Q1	VISA	Card Authentication failed
R0	VISA	Stop Payment Order
R2	VISA	Transaction does not qualify for Visa PIN
R3	VISA	Revocation of all authorizations order
Z3	VISA	Unable to go online; offline-declined
00	Mastercard	Approved or completed successfully
01	Mastercard	Refer to card issuer
02	Mastercard	Refer to card issuers special conditions
03	Mastercard	Invalid merchant
04	Mastercard	Pick-up
05	Mastercard	Do not honor
06	Mastercard	Error
07	Mastercard	Pick-up card, special conditions
08	Mastercard	Honor with identification
09	Mastercard	Request in progress
10	Mastercard	Approved for partial amount
11	Mastercard	Approved (VIP)
12	Mastercard	Invalid transaction
13	Mastercard	Invalid amount
14	Mastercard	Invalid card number (no such number)
15	Mastercard	No such issuer
16	Mastercard	Approved, update track 3
17	Mastercard	Customer cancellation, reversal (unsupported)
18	Mastercard	Customer dispute, chargeback (future)
19	Mastercard	Re-enter transaction
20	Mastercard	Invalid response
21	Mastercard	No action taken, reversal (unsupported)
22	Mastercard	Suspected malfunction, reversal (unsupported)
23	Mastercard	Unacceptable transaction fee
24	Mastercard	File update not supported by receiver (only in 03xx)
25	Mastercard	Unable to locate record on file (only in 03xx)
26	Mastercard	Duplicate file update record, no action (only in 03xx)
27	Mastercard	File update field edit error (only in 03xx)
28	Mastercard	File update record locked out (only in 03xx)
29	Mastercard	File update not successful, contact acquirer (only in 03xx)
30	Mastercard	Format error
31	Mastercard	Bank not supported by switch
32	Mastercard	Completed partially, reversal (unsupported)
33	Mastercard	Expired card, pick-up
34	Mastercard	Suspected fraud, pick-up
35	Mastercard	Card acceptor contact acquirer, pick-up
36	Mastercard	Restricted card, pick-up
37	Mastercard	Card acceptor call acquirer security, pick-up
38	Mastercard	Allowable PIN tries exceeded, pick-up
39	Mastercard	No credit account
40	Mastercard	Requested function not supported
41	Mastercard	Lost card, pick-up
42	Mastercard	No universal account
43	Mastercard	Stolen card, pick-up
44	Mastercard	No investment account
45	Mastercard	Reserved for ISO use
46	Mastercard	Reserved for ISO use
47	Mastercard	Reserved for ISO use
48	Mastercard	Reserved for ISO use
49	Mastercard	Reserved for ISO use
50	Mastercard	Reserved for ISO use
51	Mastercard	Insufficient funds
52	Mastercard	No checking account
53	Mastercard	No savings account
54	Mastercard	Expired card
55	Mastercard	Incorrect PIN
56	Mastercard	No card record
57	Mastercard	Transaction not permitted to cardholder
58	Mastercard	Transaction not permitted to terminal (may also be a chargeback)
59	Mastercard	Suspected fraud
60	Mastercard	Card acceptor contact acquirer
61	Mastercard	Exceeds withdrawal amount limit
62	Mastercard	Restricted card
63	Mastercard	Security violation (may also be a chargeback)
64	Mastercard	Original amount incorrect, reversal (unsupported)
65	Mastercard	Exceeds withdrawal frequency limit
66	Mastercard	Card acceptor call acquirer security
67	Mastercard	Hard capture, pick-up
68	Mastercard	Response received too late, reversal (unsupported)
69	Mastercard	Reserved for ISO
70	Mastercard	Reserved for ISO
71	Mastercard	Reserved for ISO
72	Mastercard	Reserved for ISO
73	Mastercard	Reserved for ISO
74	Mastercard	Reserved for ISO
75	Mastercard	Allowable number of PIN tries exceeded
76	Mastercard	Key synchronization error
77	Mastercard	Reserved for private use
78	Mastercard	Customer not eligible for POS (Star SM)
79	Mastercard	Invalid digital signature
80	Mastercard	Stale dated transaction (Star SM)
81	Mastercard	Issuer requested standin
82	Mastercard	Count exceeds limit (VISANet)
83	Mastercard	Reserved for private use
84	Mastercard	Time limit for pre-authorization reached (VISANet)
85	Mastercard	Issuer has no reason to decline the transaction (Account Verification)
86	Mastercard	Cannot verify PIN (VISANet)
87	Mastercard	Check already posted
88	Mastercard	Information not on file
89	Mastercard	Card verification value (CVV) verification failed (no pickup)
90	Mastercard	Cutoff is in progress
91	Mastercard	Issuer or switch is inoperative
92	Mastercard	Financial institution or intermediate network unknown for routing
93	Mastercard	Transaction cannot be completed, violation of law
94	Mastercard	Duplication transaction
95	Mastercard	Reconcile error
96	Mastercard	System malfunction
97	Mastercard	Reserved for national use
98	Mastercard	Reserved for national use
99	Mastercard	Card network fault error
0Z-9Z	Mastercard	Reserved for ISO use
C2-E0	Mastercard	Reserved for national use (X9.2)
EZ-MZ	Mastercard	Reserved for national use (X9.2)
N0	Mastercard	Authorization life cycle unacceptable
N1	Mastercard	Authorization life cycle expired
N2	Mastercard	Non-receipt of requested item (future)
N3	Mastercard	Non-receipt of requested item, illegible copy (future)
N4	Mastercard	Transaction exceeds floor limit (future)
N5	Mastercard	Declined authorization (future)
N6	Mastercard	Non-matching account numbers (future)
N7	Mastercard	Error in addition (future)
N8	Mastercard	Altered amount (future)
N9	Mastercard	Incorrect account number (future)
P0	Mastercard	Missing signature (future)
P1	Mastercard	Slip without card imprint (future)
P2	Mastercard	Imprinting of multiple slips (future)
P3	Mastercard	Cancelled pre-authorization transaction (future)
P4	Mastercard	Delinquent settlement (future)
P5	Mastercard	Currency conversion error (future)
P6	Mastercard	Credit posted as a debit (sale) (future)
P7	Mastercard	Claim or defense (future)
P8	Mastercard	Non-receipt of goods (future)
P9	Mastercard	Defective merchandise (future)
R0	Mastercard	Fraudulent transaction prior to embossed valid date (future)
R1	Mastercard	Credit not received (future)
R2	Mastercard	Allowable PAN entries warning – approved
R3	Mastercard	Approved with overdraft protection
R4	Mastercard	Bad CVV3
S0	Mastercard	Check not acceptable for cash
S1	Mastercard	Check not acceptable
S2	Mastercard	Check deposit limit exceeded
S3	Mastercard	Cash back limit exceeded
S4	Mastercard	Check amount does not match courtesy amount
S5	Mastercard	PIN not selected
S6	Mastercard	PIN already selected
S7	Mastercard	Unmatched voucher information
S8	Mastercard	Allowable PAN entries exceeded – denial
S9	Mastercard	Expiration date mismatch
SA	Mastercard	Inactive card
SB	Mastercard	Expiration date mismatch (card pickup)
SC	Mastercard	Item suspected for stop pay
SD	Mastercard	Account closed
SE	Mastercard	Ineligible account
SF	Mastercard	Item submitted more than two times
SG	Mastercard	No account on file - absolute
SH	Mastercard	Unable to locate
SI	Mastercard	General denial
SJ	Mastercard	Item settled via ACH
SK	Mastercard	Cross-reference card not found
SL	Mastercard	Category limit exceeded
SM	Mastercard	Transaction limit exceeded
SN	Mastercard	Daily limit exceeded
SO	Mastercard	Monthly limit exceeded
SP	Mastercard	Invalid secret code
SQ	Mastercard	PIN key sync error
SR	Mastercard	Bad CVV2
SS	Mastercard	Stop payment order
ST	Mastercard	Revocation of authorization order
SV	Mastercard	Stop reoccurring payments
T3	Mastercard	Lost card (no pickup)
T4	Mastercard	Closed account
T5	Mastercard	Dormant account
T6	Mastercard	Special conditions (no pick-up)
T7	Mastercard	Purchase only approval for purchase with cash back transaction
T9	Mastercard	Insufficient funds for fees
TA	Mastercard	ARQC validation failed for chip card
TB	Mastercard	Unsafe PIN
U0-ZY	Mastercard	Reserved for private use