Credit Card Response Codes

Our most common response codes are listed here. Two digit codes are directly issued by the Acquiring Bank (and others may still be returned, even though we do not list them here). Three digit codes are issued by eMatters. Response Code
01 04 08

Response Text
See card issuer. Call authorisation centre. Transaction approved.

Possible Explanation

Card has been reported Lost, Stolen or Blocked. Transaction has been approved and will be settled the following business day. (i) Amex was processed but Merchant does not accept Amex, (ii) Card is not allowed to be used over the Internet (iii) Wrong CCV

12

Invalid transaction type.

31 33

See card issuer. Card Expired Expiry date may be valid (i.e. expires in 2 years time) but it is incorrect. The cardholders card has not enough funds to complete the transaction. Applies to REFUNDS. Each Merchant can only refund up to a pre-set limit each day, returning this code once that limit is exceeded. The cardholders bank is currently offline. Try later.

51

Insufficient funds.

61

Over card refund limit.

91 96 702

Issuer not available. CVV invalid or missing Transaction still underway

UID has been received by eMatters and is currently with the bank. This error is returned when a SECOND transaction with the same UID is received before the first one is completed. After three declined transactions, the UID is blocked for 24 hours. This reduces fraudulent transactions from reaching the Merchants bank account. Once we have approved a UID, it is then blocked for 24 hours stopping duplicate transactions. We block certain high risk countries based on our knowledge of global regions and fraud. The IP Address presented by your client is invalid, indicating that the transaction may be fraudulent. The country of origin of the IP Address does not match the country of origin of the Credit Card. The Merchants account is limited to only accept AU, NZ or AU&NZ cards. Cards from other countries are rejected. The amount entered by the purchaser is incorrect. It must always be greater than $0 and less than $99,999

707

3SO Activated too many failed attempts

708

Non-Unique UID Already accepted

710

IGP Activated transaction from high risk country IGP Activated IP Address Not Valid

711

712

Fraud Screen block IP and Bank not matching. Card from outside acceptable country range

714

810

Invalid Purchase Amount

Confidential, eMatters, 1998 2010

812

Unacceptable Card Number

The card number provided by the purchaser fails our most basic tests. The expiry dates provided by the purchaser fails our most basic tests. The expiry dates provided by the purchaser has already expired. Your bank has responded that your Merchant Details provided in the transaction are unknown. RefundTransaction: The Trxn sent in the XM tag could find no matching data. Make sure you are using the correct data from <emattersMainID> RefundTransaction: RefundTransaction:You can only refund up to the original amount. RefundTransaction:This has been refunded and cannot be refunded automatically again. Please refund from the Merchant Desk. RefundTransaction:XML Tags contain the wrong data. Your account has the UID Format Check enabled and the format entered by your customer is incorrect. Our HTTP Call-back check determined that the transaction was fraudulent. The eMatters Login Code (eg MEL0029) does not exist. The eMatters Login Code was not sent from the Merchants website. The eMatters MerchantID (eg 29) was not sent from the Merchants website. The basic payment information received is completely wrong. The formation of the XML sent to our server is incorrect. This is a generic error. Please check the upper and lower case of each tag as the case is very important. The details sent in the transaction are completely wrong. No match could be found in our system and we gave up trying to convert any errors. The details presented in the transaction match one of the entries you have created in our BlackList Database. This transaction is considered high risk. The password sent with the transaction does not match the password stored in the Merchant Desk. NOTE: This password relates to the POSTING PASSWORD found in the Transaction Settings of the Merchant Desk. It is not your Merchant Desk Login Password.

813

Invalid Expiry Date Format

816

Card Expired

817

Invalid Merchant Details

871

Nothing Found

872 873

Too Many Found Exceeds Original Amount

874

Already Refunded

875 878

Wrong Credentials Incorrect UID Format

901

H-Check Failed URLs do not match

902

Readers set to an incorrect value in POSTed Transaction Readers missing in POSTed transaction MerchantID missing in POSTed transaction Transaction Aborted

903

904

910

911

XML Error.

919

Dodgy Details

921

BlackList Invoked

932

Bad Posting Password

Confidential, eMatters, 1998 2010

980

Host Not Found, Bank System out of action Carrier Lost, Bank line down

We did not receive a response from our bank within 30 seconds. We did not receive a response from our bank within 30 seconds. The card number supplied is missing numbers and is too short. The transaction is still at the bank and we are waiting for a response.

990

999

Bad Card Length Too Short

xx

Transaction in progress

Confidential, eMatters, 1998 2010