Response Code Reference — PayProbe

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Showing 36 of 36 codes

Code	Category	Name	Description	Retriable
`00`	Approval	Approved	Transaction approved. Honor the card.	No
`08`	Approval	Honor With Identification	Approved but merchant must verify ID.	No
`10`	Approval	Partial Approval	Approved for a partial amount (prepaid/debit).	No
`85`	Approval	No Reason to Decline	Approved — used for account verification or zero-dollar auth.	No
`01`	Referral	Refer to Card Issuer	Call voice authorization center.	Yes
`02`	Referral	Refer – Special Condition	Call voice auth; possible fraud flag.	Yes
`04`	Referral	Pick Up Card	Card reported; do not return to cardholder.	No
`07`	Referral	Pick Up Card – Special	Hot card / confirmed fraud; confiscate if safe to do so.	No
`05`	Decline	Do Not Honor	Generic soft decline — most common. Issuer policy not disclosed.	Yes
`12`	Decline	Invalid Transaction	Transaction type not permitted for this card.	No
`13`	Decline	Invalid Amount	Amount is zero, negative, or exceeds max.	No
`14`	Decline	Invalid Account Number	PAN fails check digit or not found.	No
`15`	Decline	No Such Issuer	BIN not recognized by the network.	No
`41`	Decline	Lost Card	Card reported lost by cardholder.	No
`43`	Decline	Stolen Card	Card reported stolen.	No
`57`	Decline	Transaction Not Permitted – Cardholder	Card product restrictions prevent this transaction type.	No
`58`	Decline	Transaction Not Permitted – Terminal	Merchant not set up for this transaction type.	No
`62`	Decline	Restricted Card	Card on restricted or blocked list.	No
`63`	Decline	Security Violation	CVV/CVC failure or security constraint not met.	No
`51`	Balance/Limits	Insufficient Funds	Balance or credit limit insufficient for this amount.	Yes
`61`	Balance/Limits	Exceeds Amount Limit	Single transaction amount limit exceeded.	Yes
`65`	Balance/Limits	Exceeds Frequency Limit	Too many transactions in the allowed period.	Yes
`75`	Balance/Limits	PIN Tries Exceeded	Allowable wrong PIN attempts exhausted — card may be blocked.	No
`54`	Card Error	Expired Card	Card is past its expiration date.	No
`55`	Card Error	Incorrect PIN	Wrong PIN entered; counter not yet exhausted.	No
`76`	Card Error	PIN Not Changed	PIN change failed or retries exceeded (Visa-specific).	No
`68`	System	Response Received Too Late	Timed out — reversal may be needed to avoid duplicate.	Yes
`91`	System	Issuer Inoperative	Issuer host unreachable; retry after delay.	Yes
`92`	System	Unable to Route	No routing path found for this transaction.	Yes
`96`	System	System Malfunction	Generic technical error — retry once.	Yes
`82`	EMV/Scheme	Invalid dCAVV / CAM Failed	Chip cryptogram failed MAC validation or token CAVV invalid.	No
`B1`	EMV/Scheme	Surcharge Accepted	Response to surcharge notification — not a decline (Visa).	No
`M0`	EMV/Scheme	Partial Approval	Partial approval via VisaNet (Visa M0 variant).	No
`N0`	EMV/Scheme	Force STIP	Stand-in approved by scheme when issuer is offline (Visa).	No
`P5`	EMV/Scheme	PIN Change Rejected	PIN change/unblock request rejected (Visa).	No
`2A`	EMV/Scheme	Account Closed	Account has been closed (Visa-specific).	No

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