Credit card response reason code description/usage table

D

000

No Answer

Resend

ACTIVE Netreceived no answer from auth network

S

100

Approved

N/A

Successfully approved

S

101

Validated

N/A

Account passed negative file and data check

S

102

Verified

N/A

Account passed external negative file

S

103

Pre-noted

N/A

Passed pre-note

S

104

No Reason to Decline

N/A

Successfully approved

S

105

Received and Stored

N/A

Successfully approved

Note: FPO only

S

106

Provided Auth

N/A

Successfully approved

Note: Indicates customized code was used in processing

S

107

Request Received

N/A

Successfully approved

Note: Indicates customized code was used in processing

S

108

Approved for Activation

N/A

Successfully approved

Note: Indicates customized code was used in processing

S

110

BIN Alert

N/A

Successfully approved

Note: Indicates customized code was used in processing

S

111

Approved for Partial

N/A

Successfully approved

Note: Indicates customized code was used in processing

R

201

Invalid Account Number

Cust

Bad check digit, length or other credit card problem

R

202

Bad Amount; Non-Numeric Amount

Fix

Amount sent was zero, unreadable, over ceiling limit, or exceeds maximum allowable amount

R

203

Zero Amount

Fix

Amount sent was zero

R

204

Other Error

Fix

Unidentifiable error

R

205

Bad Total Auth Amount

Fix

The sum of the authorization amount from extended data information does not equal detail record authorization amount.

Amount sent was zero, unreadable, over ceiling limit, or exceeds maximum allowable amount

R

218

Invalid SKU Number

Fix

Non-numeric value was sent

R

219

Invalid Credit Plan

Fix

Non-numeric value was sent

R

220

Invalid Store Number

Fix

Non-numeric value was sent

R

225

Invalid Field Data

Fix

Data within transaction is incorrect

R

227

Missing Companion Data

Fix

Specific and relevant data within transaction is absent

R

229

Percents Do Not Total 100

Fix

FPO monthly payments do not total 100

Note: FPO only

R

230

Payments Do Not Total Order

Fix

FPO monthly payments do not total order

Note: FPO only

R

231

Invalid Division Number

Fix

Division number incorrect

R

233

Does Not Match MOP

Fix

Credit card number does not match method of payment type or invalid BIN

R

234

Duplicate Order Number

Fix

Unique to authorization recycle transactions.

Order number already exists in system

Note: Auth Recycle only

R

235

FPO Locked

Resend

FPO change not allowed

Note: FPO only

R

236

Auth Recycle Host System Down

Resend

Authorization recycle host system temporarily unavailable

Note: Auth Recycle only

R

237

FPO Not Allowed

Call

Division does not participate in FPO.

Contact your ACTIVE Net Representative for information on getting set up for FPO

Note: FPO only

R

238

Invalid Currency

Fix

Currency does not match merchant setup for division

R

239

Invalid MOP for Division

Fix

Method of payment is invalid for the division

R

240

Auth Amount Wrong

Fix

Used by FPO

R

241

Illegal Action

Fix

Invalid action attempted

R

243

Invalid Purchase Level III

Fix

Data is inaccurate or missing, or the BIN is ineligible for P-card

R

244

Invalid Encryption Format

Fix

Invalid encryption flag.

Data is inaccurate

R

245

Missing or Invalid Secure Payment Data

Fix

Visa, MasterCard or UK Domestic Maestro authentication data not in appropriate Base 64 encoding format or data provided on a non-e-Commerce transaction

R

246

Merchant Non MasterCard SecureCode Enabled

Call

Division does not participate in MasterCard or UK Domestic Maestro Secure Code.

Contact your ACTIVE Net Representative for information on getting set up for MasterCard or UK Domestic Maestro SecureCode

R

247

Check Conversion Data Error

Fix

Proper data elements were not sent for POP/ARC transactions

R

248

Blanks Not Passed in Reserved Field

Fix

Blanks no passed in Reserved Field

R

249

Invalid MCC

Fix

Invalid Merchant Category Code (MCC) sent

R

253

Invalid Transaction Type

Fix

Invalid transaction type for this order

R

257

Missing Customer Service Phone

Fix

Customer Service Phone Number required on Transaction Types 1 (MOTO) and 2 (Recurring)

Note: MasterCard/MasterCard Diners Only

R

258

Not Authorized to Send Record

Fix

Division is not authorized to send record

D

260

Soft AVS

Cust

Card was authorized, but AVS did not match.

The 100 was overwritten with a 260 per merchant's request

Note: Conditional deposits only

R

261

Account not Eligible for Division's Setup

N/A

Account number not eligible for division's Account Updater Program setup

R

262

Authorization Code / Response Date Invalid

Fix

Authorization code and/or response date are invalid

Note: MOP = MC, MD, VI only

R

263

Partial Authorization Not Allowed or Partial AUTHORIZATION Request Not Valid

Fix

Action code or division does not allow partial authorization or partial authorization request is not valid

R

265

Missing QHP Amount

Fix

Missing QHP amount

R

266

Invalid QHP Amount

Fix

QHP amount greater than transaction amount

R

267

Merchant Not IIAS Enabled

Call

Division does not participate in Healthcare IIAS.

Contact your ACTIVE Net Representative for information on getting set up for Healthcare IIAS

R

268

Invalid Cash Back Amount

Fix

Cash back amount is not between $20 and $100 and is not an increment of $20

R

269

BIN Blocked

Cust

BIN number is in a blocked BIN listing

Note: MOP = MC, VI, AX, and Switch/Solo only

R

270

Card Number Is Stopped

Cust

Card number is in a stop card number listing

R

271

Country is Blocked

Cust

Issuing country of the card is in a blocked country listing

Note: MOP = MC, VI, DI only

R

272

Invalid Purchase Level II

Fix

Data is inaccurate or missing, or the BIN is ineligible for P-card

D

301

Issuer Unavailable

Resend

Authorization network could not reach the bank which issued the card

D

302

Credit Floor

Wait

Insufficient funds

D

303

Processor Decline

Cust

Generic decline—No other information is being provided by the issuer

D

304

Not On File

Cust

No card record or invalid/non-existent to account specified

D

305

Already Reversed

N/A

Transaction previously reversed

Note: MOP = any Debit MOP, MC, MD, VI

D

306

Amount Mis-match

Fix

Requested reversal amount does not match original approved authorization amount

Note: MOP = MC, MD, VI only

D

307

Authorization Not Found

Fix

Transaction cannot be matched to an authorization that was stored in the database

Note: MOP = MC, MD, VI only

D

401

Call

Voice

Issuer wants voice contact with cardholder

D

402

Default Call

Voice

Decline

D

501

Pickup

Cust

Card issuer wants card returned

D

502

Lost/Stolen

Cust

Card reported as lost/stolen

Note: Does not apply to American Express

D

503

Fraud / Security Violation

Cust

CID did not match

Note: Discover only

D

508

Excessive PIN Try

Cust

Allowable number of PIN tries exceeded

D

509

Over Limit

Cust

Exceeds withdrawal or activity amount limit

D

510

Over Frequency Limit

Cust

Exceeds with withdrawal or activity count limit

D

519

On Negative File

Cust

Account number appears on negative file

D

521

Insufficient Funds

Cust

Insufficient funds/over credit limit

D

522

Card is Expired

Cust

Card has expired

D

530

Do Not Honor

Cust

Generic decline - No other information is being provided by the issuer

D

531

CVV2/VAK Failure

Cust

Issuer has declined auth request because CVV2 or VAK failed

D

551

Duplicate Transaction

Fix

Trans ID in combination with merchant ID is not unique (order number not unique)

D

570

Stop Payment Order One Time Recurring Installment

Cust

Cardholder has requested this one recurring/installment payment be stopped

D

571

Revocation of Authorization for All Recurring / Installments

Cust

Cardholder has requested all recurring/installment payments be stopped

D

572

Revocation of All Authorizations--Closed Account

Cust

Cardholder has requested that all authorizations be stopped for this account due to closed account

Note: Visa only

D

591

Invalid CC Number

Cust

Bad check digit, length or other credit card problem.

Issuer generated

D

592

Bad Amount

Fix

Amount sent was zero or unreadable.

Issuer generated

D

594

Other Error

Fix

Unidentifiable error.

Issuer generated

D

595

New Card Issued

Cust

New Card Issued

D

596

Suspected Fraud

Cust

Issuer has flagged account as suspected fraud

D

597

Account Lookup Not Allowed for Merchant

Cust

Account Lookup not allowed for merchant

D

602

Invalid Institution Code

Fix

Card is bad but passes MOD 10 check digit routine, wrong BIN

D

603

Invalid Institution

Cust

Institution not valid (i.e., possible merger)

D

605

Invalid Expiration Date

Cust

Card has expired or bad date sent.

Confirm proper date

D

606

Invalid Transaction Type

Cust

Issuer does not allow this type of transaction

D

607

Invalid Amount

Fix

Amount not accepted by network

D

610

BIN Block

Cust

Merchant has requested that ACTIVE Net not process credit cards with this BIN

S

704

FPO Accepted

N/A

Stored in FPO database

R

719

On Negative File

Cust

Account number appears on European Direct Debit negative file

R/D

750

Invalid Transit Routing Number

Fix

ABA transit routing number is invalid, fails check digit

R/D

751

Transit  Routing Number Unknown

Fix

Transit routing number not on list of current acceptable numbers

R

752

Missing Name

Fix

Pertains to deposit transactions only

R

753

Invalid Account Type

Fix

Pertains to deposit transactions only

R/D

754

Account Closed

Cust

Bank account has been closed

R

755

No Account / Unable to Locate

Cust

Does not match any account for the customer at the bank

R/D

756

Account-Holder Deceased

Cust

Customer or account holder has died

R

757

Beneficiary Deceased

Cust

Beneficiary on account has died

R/D

758

Account Frozen

Cust

Transaction posting to account prohibited

R/D

759

Customer Opt-out

Cust

Customer has refused to allow transaction

R/D

760

ACH Non-participant

Cust

Banking institution does not accept ACH transactions

R

762

No Address

Cust

Pertains to deposit transactions only

R/D

763

Invalid Account Number

Cust

Account number is incorrect

R/D

764

Authorization Revoked by Consumer

Cust

Customer has notified their bank not to accept these transactions

R

765

Customer Advises Not Authorized

Cust

Customer has not authorized bank to accept these transactions

R

766

Invalid CECP Action Code

Fix

Canadian ECP only

Note: Invalid Action Code

Valid Action Codes are:

• FPO start

• REFUND

• Validate only

• Validate and Deposit

R/D

767

Invalid Account Number Format

Fix

Formatting of account number is incorrect

R/D

768

Bad Account Number Data

Fix

Invalid characters in account number

D

769

Non-Convertible Account

Cust

Account is ineligible for check conversion

Note: POP/ARC only

D

802

Positive ID

Voice

Issuer requires further information

D

806

Restraint

Cust

Card has been restricted

D

811

Invalid Security Code

Fix

American Express CID is incorrect

D

813

Invalid PIN / User ID

Cust

Invalid PIN or User ID

D

825

No Account

Cust

Account does not exist

D

833

Invalid Merchant

Fix

Service Establishment (SE) number is incorrect or Issuer does not allow this type of transaction

R/D

834

Invalid MOP / Unauthorized User

Cust

R—Method of payment is invalid for the division

D--BML unauthorized user

D

902

Process Unavailable

Resend/Call/Cust

System error/malfunction with Issuer

D

903

Invalid Expiration

Cust

Invalid or expired expiration date

D

904

Invalid Effective

Cust/Resend

Card not active