Bank Response Codes
Overview
A Bank Response Message is returned in a 5002 MyGate Response Code. The Bank Message will present the
banks response to authorization request and will be found in data elements within the Authorization
Response. A Bank Response will contain transaction results that identify specifically why a transaction has
failed or been declined. These failed or declined reasons are classified against bank response codes. Linked to
the bank response code is a Response Message and Response Description.
About Bank Response Codes
The Bank Response Code is a unique code linked to the failed or declined reason. Response Codes are numeric
and are returned in the transaction results data element.
About Bank Response Messages
The response message is a brief message outlining the specific response code. Response Messages are
returned in the transaction results data element.
About Bank Response Descriptions
The response description is a detailed description of the response code and in some cases a resolution to fix
the specific failed reason. Response Descriptions are returned in the transaction results data element.
Response Code
Response Message
Response Description
Refer To Card Issuer
Client Contact Issuing Bank
Refer To Card Issuer, Special Condition
Client Contact Issuing Bank
Invalid Merchant
Contact Mygate At 021 555 3260
Pick-Up Card
If Not Hostile Keep The Card
Do Not Honour
Client To Contact Issuing Bank
Error
Error Cable Faulty, Connection Config Wrong
Pick-Up Card, Special Condition
If Not Hostile Keep The Card
Honour With Identification
Confirm Clients ID
Request In Progress
Wait For Transaction Completion
10
Approved, Partial
11
Approved, VIP
12
Invalid Transaction
13
Invalid Amount
14
Invalid Card Number
15
No Such Issuer
16
Approved, Update Track 3
17
Operator Cancelled
18
Customer Dispute
Client To Contact Issuing Bank
19
Re Enter Transaction
Re Enter Transaction
22
Suspected Malfunction
23
Unacceptable Transaction Fee
24
File Update Not Supported
Bank Is Offline
25
Unable To Locate Record
Bank Is Offline
Incorrect Information (Invalid Budget Period) Redo
Transaction
Invalid Amount For Budget Period Incorrect Amount /
Redo Transaction Budget Amount
Wrong Pin / Re Insert Pin
Bank Is Back Online
26
Duplicate Record
27
File Update Edit Error
Bank Is Offline
28
File Update File Locked
Bank Is Offline
30
File Update Failed
Bank Is Offline
31
Bank Not Supported
32
Completed Partially
33
Expired Card, Pick-Up
34
Suspected Fraud, Pick-Up
35
Contact Acquirer, Pick-Up
36
Restricted Card, Pick-Up
37
Call Acquirer Security, Pick-Up
38
PIN Tries Exceeded, Pick-Up
39
No Credit Account
No Money/Or Debit Card
40
Function Not Supported
Invalid Entry
41
Lost Card (Contact Bank)
42
No Universal Account
Small Bank Not International
43
Stolen Card
Contact Bank
44
No Investment Account
Contact Bank
51
Not Sufficient Funds (Client To Contact Bank)
Contact Bank
52
No Check Account
53
No Savings Account
54
Expired Card (Contact Bank)
55
Incorrect PIN
56
No Card Record
Bank Is Offline / Retry Later
57
Transaction Not Permitted To Cardholder
58
Transaction Not Permitted On Terminal
Trying To Access Accounts That The Person Does Not
Have
Terminal Is Not Setup For The Function
59
Suspected Fraud
60
Contact Acquirer
Contact Bank
61
Exceeds Withdrawal Limit
Contact Bank
62
Restricted Card
Contact Bank
63
Security Violation
Input Error
64
Original Amount Incorrect
65
Exceeds Withdrawal Frequency
66
Call Acquirer Security
67
Hard Capture
68
Response Received Too Late
75
PIN Tries Exceeded
77
Intervene, Bank Approval Required
Contact Bank
78
Intervene, Bank Approval Required For Partial Amount
Contact Bank
90
Cut-Off In Progress
91
Issuer Or Switch Inoperative
Contact Mygate At 021 555 3260
92
Routing Error
Restart
93
Violation Of Law
Not Legal
94
Duplicate Transaction
Reconcile
95
Reconcile Error
96
Communication System Malfunction
97
Communication Error Cannot Connect To FNB
Reprint To Verify
Contact Bank
Redo Transaction
Check Internet Connection
98
Exceeds Cash Limit
76
Approved Country Club
77
Approved Pending Identification
78
Approved Blind
79
Approved Administrative Transaction
80
Approved National Negative File Hit OK
81
Approved Commercial
82
No Security Module
83
Maximum Refund credit Limit exceeded
84
No PBF
85
PBF Update Error
86
Invalid Authorisation Type
Redo Transaction
87
Bad Track 2
Please Check Card CVV Number
88
PTLF Error
89
Invalid Route Service
N0
Unable To Authorise / Card Type Incorrect I.E. Credit Not Debit Please
Redo As Correct Type
N1
Invalid PAN Length
N2
Preauthorisation Full
N3
Maximum Online Refund Reached
Limit Exceeded
N4
Maximum Off-Line Refund Reached
Limit Exceeded
N5
Maximum Credit Per Refund
Limit Exceeded
N6
Maximum Refund Credit Reached
Limit For Refund
N7
Customer Selected Negative File Reason
Possible Bank Issue
N8
Over Floor Limit
N9
Maximum Number Refund Credits
O0
Referral File Full
O1
NEG File Problem
O2
Advance Less Than Minimum
O3
Delinquent
O4
Over Limit Table
O5
PIN Required
O6
Mod 10 Check
O7
Force Post
O8
Bad PBF
O9
NEG File Problem
Card Holder To Contact Bank
P0
CAF Problem
Card Holder To Contact Bank
P1
Over Daily Limit
P2
CAPF Not Found
P3
Advance Less Than Minimum
P4
Number Of Times Used
P5
Delinquent
P6
Over Limit Table
P7
Advance Less Than Minimum
P8
Administrative Card Needed
P9
Enter Lesser Amount
Q0
Invalid Transaction Date
Q1
Invalid Expiration Date
Contact Bank
Debit Card Holder Needs To Enter PIN
Wrong Date/Check Machine
Q2
Invalid Transaction Code
Q3
Advance Less Than Minimum
Q4
Number Of Times Used
Q5
Delinquent
Q6
Over Limit Table
Q7
Amount Over Maximum
Q8
Administrative Card Not Found
Q9
Administrative Card Not Allowed
R0
Approved Administrative Request -In Window
R1
Approved Administrative Request -Out Of Window
R2
Approved Administrative Request -Anytime
R3
Chargeback-Customer File Updated
R4
Chargeback-Customer File Updated -Acquirer Not Found
R5
Chargeback-Incorrect Prefix Number
R6
Chargeback-Incorrect Response Code Or CPF Configuration
R7
Administrative Transactions Not Supported
R8
Card On National Negative File
S4
PTLF Full
S5
Chargeback-Approved, Customer File Not Updated
S6
Chargeback-Approved, Customer File Not Updated, Acquirer Not Found
S7
Chargeback-Accepted, Incorrect Destination
S8
ADMN File Problem
S9
Unable To Validate PIN; Security Module Is Down
T1
Invalid Credit Card Advance Amount
T2
Invalid Transaction Date
T3
Card Not Supported
T4
Amount Over Maximum
T5
CAF Status = 0 Or 9
T6
Bad UAF
T7
Cash Back Exceeds Daily Limit
T8
Multiple Invalid Required Fields
Successful
A0
Invalid Terminal / Merchant
A1
No Events Available
A2
No Breakdown Levels Available
A3
Authorization Unsuccessful - Insufficient Inventory
Stock Shortage Contact Office
A4
Authorization Unsuccessful - Could Not Locate Inventory
Stock Shortage Contact Office
A5
Advice Unsuccessful - Invalid Transaction ID
A6
Advice Unsuccessful - Velocity Amount Exceeded
A7
Advice Unsuccessful - Velocity Lines Exceeded
A8
Issuer Or Switch Inoperative
Contact Mygate At 021 555 3260
A9
Routing Error
Redo Transaction
AA
Message Decode Error
AB
System Malfunction
Contact Mygate At 021 555 3260
AC
Response Received Too Late
Redo Transaction
AD
Refer to extended response code in message
AE
Message Sequence Error.
AF
Gateway Authorization Failure
Contact Mygate At 021 555 3260
Input Error
Contact Mygate At 021 555 3260
Machine Needs To Be Programmed
B0
Functionality Not Supported
B1
Invalid Issue Confirmation Reference
B2
No Reconciliation Entries Found
