CODE DESCRIPTION POSSIBLE ISSUE ESCALATION
01 Refer to card issuer Limit available exceeded Bank
Refer to special conditions for card issuer.
02 Refer to card issuer, special condition Bank
In case of Absa merchants - Merchant Number has not been mapped by Altech
Edcon AP Helpdesk:
03 Invalid merchant Edcon has not configured the merchant Merchant has not been mapped by Altech
Postilion Team - Kamlesh
04 Pick-up card Pick-up card Bank
05 Do not honor Transaction declined Bank
Edcon AP Helpdesk:
06 Error Error on customer's account
Vision Team - Ebrahim
08 Honor with identification Approved upon ID presentation Bank
12 Invalid transaction PAN or PIN-related issue Bank
13 Invalid amount Zero transaction amount received Transaction amount exceeds configured limits Bank
PAN number presented failed validation check
14 Invalid card number Bank
PAN number not valid numeric value or is longer than 19 digits
17 Customer cancellation Transaction message issue
24 File update not supported File format issue Acquiring Bank
Comms-related issue Altech
25 Unable to locate record
Transaction does not reach Altech Comms Provider
Expiry date in message does not match expiry date in the
27 File update field error Acquiring Bank
Card Management data
29 File update failed Database access error Acquiring Bank
30 Format error Keys on terminal/ PIN PAD device not configured correctly Altech Acquiring Bank
31 Bank not supported Bank not supported by switch Altech
32 Completed partially Transaction approved for a different final amount to the amount requested Bank
33 Expired card, pick up Card expired -
38 PIN tries exceeded, pick-up Maximum amount of allowed PIN tries exceeded -
Altech
40 Function not supported Transaction authorisation issue
Edcon Acquiring Bank
41 Lost card, pick-up Card reported lost Bank
42 No universal account BIN change by Acquiring Bank Bank
43 Stolen card, pick-up Card reported stolen Bank
44 No investment account No investment account attached to the card product or card used Bank
48 No customer record Customer ID could not be located - in cases of reversals Bank
51 Insufficient funds Not enough available funds for the transaction Customer's account in arrears - "pay to buy" Bank
52 No check account BIN-related issue - cardholder selected incorrect account type Bank
53 No savings account BIN-related issue - cardholder selected incorrect account type Bank
54 Expired card Current date is past the expiry date for this card Bank
55 Incorrect PIN PIN incorrect during PIN verification
56 No card record Card PAN does not match any configured BIN
57 Transaction not permitted to cardholder Error on customer's account Edcon Customer Services
57 Transaction not permitted to cardholder Type of transaction not allowed Bank
Service restriction code may be configured on card
58 Transaction not permitted on terminal Acquiring Bank
product, eg. Use at ATM only, use I in certain area only esp. on foreign cards.
59 Suspected fraud CVV verification failed Bank
60 Contact Acquirer No response on reversal advice Acquiring Bank
61 Exceeds withdrawal limit Amount requested over maximum limit Bank
62 Restricted card Card product not configured Manual PAN entry not allowed Card Isuer
63 Security violation Card verification enforced Bank
65 Exceeds withdrawal frequency Number of transactions limit reached Bank
68 Response received too late Transaction timeout Comms Provider
75 PIN tries exceeded Maximum amount of allowed PIN tries exceeded Bank
Acquiring Bank Altech
91 Switch or issuer inoperative Communication issue at the terminal/acquiring Bank/Altech or Edcon
Edcon
92 Routing error Card or account number is missing or too short/long or BIN entered incorrectly Acquiring Bank
94 Duplicate transaction Transaction duplicated Bank
Software failure
96 System malfunction Altech
Database failure
