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You will receive one of these decline messages if you test in a “live” environment with a merchant and your test was successfully received:
00 Approved or completed successfully Approve
01 Refer to Card Issuer Call Center
02 Refer to Card Issuer’s special conditions Call Center
03 Invalid Merchant Call Center
04 Capture Card Decline and Pick-up Card
05 Do not honor Decline
07 Pick-up Card, special condition Decline and Pick-up Card
08 Honor with ID Call Center
10 Approved for partial amount Approve
11 Approved Approve
12 Invalid transaction Call Center
13 Invalid amount Call Center
14 Invalid Card Number Call Center
15 Invalid Issuer Call Center
19 Re-enter transaction Call Center
30 Format error Call Center
31 Bank not supported by switch Call Center
33 Expired Card Call Center
34 Suspected fraud Call Center
35 Card Acceptor contact Acquirer Call Center
36 Restricted Card Call Center
37 Card Acceptor call Acquirer security Call Center
38 Allowable PIN tries exceeded Decline
39 No credit Account Decline
40 Requested function not supported Call Center
41 Lost Card Decline and Pick-up Card
43 Stolen Card Decline and Pick-up Card
51 Decline Decline
53 No savings Account Decline
54 Expired Card Decline
55 Invalid PIN Decline
56 No Card record Decline
57 Transaction not permitted to Issuer/Cardholder Decline
58 Transaction not permitted to Acquirer/terminal Decline
59 Suspected fraud Decline
60 Card acceptor contact Acquirer Call Center
61 Exceeds withdrawal amount limit Decline
62 Restricted Card Decline
63 Security violation Decline
64 Original amount incorrect Call Center
65 Exceeds withdrawal count limit Decline
66 Card Acceptor call Acquirer’s security dept Call Center
67 Hard capture (requires ATM pick-up) Decline and Pick-up Card
68 Response received too late Call Center
75 Allowable number of PIN tries exceeded Decline and Pick-up Card
76 Invalid/nonexistent “to” Account specified Call Center
77 Invalid/nonexistent “from” Account specified Call Center
78 Invalid/nonexistent Account specified (general) Call Center
87 Network unavailable Call Center
91 Authorization system or Issuer system inoperative Call Center
92 Unable to route transaction Call Center
93 Transaction cannot be completed, violation of law Decline
94 Duplicate transmission detected Call Center
96 System malfunction Call Center
N1 System up See Footnote†1
N2 Soft down See Footnote†2
N3 System down See Footnote†3
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