General Bank Response Codes

Detailed Response
Code Response
No Credit Bank has declined the transaction as the Credit Card number used is not a credit
39 Account account.

Function Not Bank (Card Issuer) has declined the transaction as it does not allow this type of
40 Supported transaction.
Bank (Card Issuer) has declined the transaction as the card has been reported
41 Lost Card lost.

No Universal Bank (Card Issuer) has declined the transaction as the account type selected is
42 Account not valid for this credit card number.
Bank (Card Issuer) has declined the transaction as the card has been reported
43 Stolen Card stolen.

No Investment Bank (Card Issuer) has declined the transaction as the account type selected is
44 Account not valid for this credit card number.

Insufficient Bank (Card Issuer) has declined the transaction as the credit card does not have
51 Funds sufficient funds.

No Cheque Bank (Card Issuer) has declined the transaction as the credit card number is
52 Account associated to a cheque account that does not exist.

No Savings Bank (Card Issuer) has declined the transaction as the credit card number is
53 Account associated to a savings account that does not exist.
Bank (Card Issuer) has declined the transaction as the credit card appears to have
54 Expired Card expired. The customer should check the expiry date entered and try again.
Bank (Card Issuer) has declined the transaction as the customer has entered an
55 Incorrect PIN incorrect PIN. The customer should re-enter their PIN.
No Card Bank has declined the transaction as the credit card number does not exist.
56 Record
Function Not
Permitted to Bank has declined the transaction as this credit card cannot be used for this type
57 Cardholder of transaction.
Function Not Bank has declined the transaction as this credit card cannot be used for this type
Permitted to of transaction. This may be associated with a test credit card number. The
58 Terminal customer should contact their bank for further info.
Suspected Bank has declined this transaction as the credit card appears to be fraudulent.
59 Fraud
Acceptor
Contact Bank (card issuer) has declined the transaction. The customer should contact their
60 Acquirer bank and retry the transaction.
Exceeds
Withdrawal Bank has declined the transaction as it will exceed the customer’s card limit.
61 Limit
Restricted Bank has declined the transaction as the credit card has some restrictions. The
62 Card customer should contact their bank for further information.

Security Bank has declined the transaction. The customer should use an alternate credit
63 Violation card and contact their card issuer if the problem persists.
 Original The customer’s card issuer has declined the transaction due to the amount
Amount attempting to be processed. The customer should check the transaction amount
64 Incorrect and try again, contacting their card issuer should the problem persist.
Exceeds The customer’s card issuer has declined the transaction as the customer has
65 Acceptor
withdrawal exceeded the withdrawal frequency limit.
Contact
Acquirer, The customer should use an alternative credit card. Neither eWAY nor the bank
66 Security can provide more details.
The customer’s card issuer has declined the transaction as the card is suspected
to be counterfeit. The card issuer has requested that your customer’s credit card
67 Capture Card be retained.
PIN Tries The customer’s card issuer has declined the transaction as the customer has
75 Exceeded entered the incorrect PIN more than three times.
CVV The customer’s card issuer has declined the transaction as the CVV is incorrect.
Validation The customer should check the CVV details (the 3 numbers on the back for
82 Error Visa/MC, or 4 numbers on the front for AMEX) and try again. If not successful, the
customer should use an alternate credit card.
Cutoff In The customer’s card issuer is temporarily not able to process this customer’s credit
90 Progress card. The customer should attempt to process this transaction again.

Card Issuer The customer’s card issuer is unable to be contacted to authorise the transaction.
91 Unavailable The customer should attempt to process this transaction again.
Unable To The customer’s card issuer cannot be found for routing. This response code is
Route often returned when the customer is using a test credit card number. The customer
92 Cannot
Transaction
Complete, should attempt to process this transaction again.
Violation Of The customer’s card issuer has declined the transaction and request the customer
93 The Law to contact their bank.
The customer’s card issuer has declined the transaction as this transaction
Duplicate appears to be a duplicate transmission. Check this is the case and process the
94 Transaction transaction again if needed.
The customer’s card issuer was not able to process the transaction. The customer
96 System Error should attempt to process this transaction again.