For a declined credit card transaction, contact Vantiv for information about how to proceed.

Codes and messages for approved credit card transactions

Code

Message

Code

Message

00

Approved

08

Honor with ID

11

Approved VIP (not used)

16

Approved, Update Track 3 (not used)

77

Approved (ANZ only)

 

 

Codes and messages for declined credit card transactions

Code

Message

Code

Message

01

Refer to Card Issuer

41

Lost Card – Pick Up

02

Refer to Issuer’s Special Conditions

42

No Universal Amount

03

Invalid Merchant

43

Stolen Card – Pick Up

04

Pick Up Card

44

No Investment Account

05

Do Not Honor

51

Insufficient Funds

06

Error

52

No Check Account

07

Pick Up Card, Special Conditions

53

No Savings Account

09

Request in Progress

54

Expired Card

10

Partial Amount Approved

55

Incorrect PIN

12

Invalid Transaction

56

No Card Record

13

Invalid Amount

57

Transaction not Permitted to Cardholder

14

Invalid Card Number

58

Transaction not Permitted to Terminal

15

No Such Issuer

59

Suspected Fraud

17

Customer Cancellation

60

Card Acceptor Contact Acquirer

18

Customer Dispute

61

Exceeds Withdrawal Amount Limits

19

Re-enter Transaction

62

Restricted Card

20

Invalid Response

63

Security Violation

21

No Action Taken

64

Original Amount Incorrect

22

Suspected Malfunction

65

Exceeds Withdrawal Frequency Limit

23

Unacceptable Transaction Fee

66

Card Acceptor Call Acquirer Security

24

File Update not Supported by Receiver

67

Hard Capture – Pick up Card at ATM

25

Unable to Locate Record on File

68

Response Received Too Late

26

Duplicate File Update Record

75

Allowable PIN Tries Exceeded

27

File Update Field Edit Error

86

ATM Malfunction

28

File Update File Locked Out

87

No Envelope Inserted

29

File Update Not Successful

88

Unable to Dispense

30

Format Error

89

Administration Error

31

Bank not Supported by Switch

90

Cut-off in Progress

32

Completed Partially

91

Issuer or Switch is Inoperative

33

Expired Card – Pick Up

92

Financial Institution not Found

34

Suspected Fraud – Pick Up

93

Transaction Cannot be Completed

35

Contact Acquirer – Pick Up

94

Duplicate Transmission

36

Restricted Card – Pick Up

95

Reconcile Error

37

Call Acquirer Security – Pick Up

96

System Malfunction

38

Allowable PIN Tries Exceeded

97

Reconciliation Totals Reset

39

No CREDIT Account

98

MAC Error

40

Requested Function not Supported

99

Reserved for National Use

 

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