Find out what each code means and why a payment might have failed
The following codes can help you to understand why and how a payment has failed. Each response code has one of the following prefixes:
- V is a validation error (for example, invalid card number)
- D is a declined transaction
- R is a referral (to be treated as a declined transaction)
- B is a blocked transaction
- C is a cancelled transaction (for example, a user selected Cancel on a payment page)
- S is a system error
The prefix is followed by three digits, for example x01. The first digit, in this example x, is for internal use only. The next two digits, in example 01, provide more details about the response. The following list presents the code and the message for each response.
| Code - Description |
|
Vx01 - Invalid merchant details Vx02 - Invalid expiry date Vx03 - Invalid start date Vx04 - Invalid issue number Vx05 - Invalid CVV Vx06 - Invalid card number Vx07 - Card holder name not set Vx08 - Insufficient address details Vx09 - Invalid country code Vx10 - Invalid cart ID Vx11 - Invalid email address Vx12 - Invalid phone number Vx13 - Invalid amount Vx14 - Invalid currency code Vx15 - Invalid customer IP Vx16 - Original trans not found Vx17 - Invalid merchant IP Vx18 - Unknown transaction type Vx19 - Card number changed Vx20 - Currency changed Vx21 - Original trans ref required Vx22 - Amount exceeds original Vx23 - Cannot refund this type of transaction Vx24 - Amount changed Vx25 - User account details required Vx26 - Invalid request Vx27 - Original trans not pre-auth Vx28 - Transaction mode changed Vx29 - Card/Currency combination not supported Vx30 - Unknown card type Vx31 - Issue number required Vx32 - Issue number not required Vx33 - Duplicate transaction Vx34 - Unable to void transaction Vx35 - Original trans was not authorised Vx36 - Invalid PIN Vx37 - Unknown transaction class Vx38 - Original transaction type does not match Vx39 - Card expired Vx40 - CVV Required Vx41 - Original transaction already settled Vx42 - Original transaction already cancelled Vx43 - This card does not support the required transaction type Vx44 - Transaction details do not match original Vx52 - 3DS Not Enabled Vx53 - 3DS Data Invalid Vx54 - Concurrent authorisations Vx55 -Invalid Funds Recipient Date Vx56 - Terminal mismatch Vx57 - Transaction not allowed on this card Vx58 - Original transaction requires 3DS attempt/auth Vx59 - ECOM transactions require 3DS attempt/auth Vx60 - Verify for Amex card not supported Vx61 - Recurrence Flag usage invalid Vx62 - Initial Sale/Verify ARN missing for subsequent sale Vx63 - Initial Sale/Verify for subsequent sale not approved Vx64 - Initial transaction on card expired
Dx01 - Non-specific decline Dx02 - Declined due to funds (insufficient/limit exceeded) Dx03 - Retain card response Dx05 - On our blacklist Dx07 - Live/test mismatch Dx08 - Refund: Insufficient merchant funds in account Dx10 - Card authorisation attempt limit reached Dx11 - Monthly Scheme Decline Rate limit reached Dx40 - Continuous Authority cancelled for the transaction Dx41 - Continuous Authorities cancelled for the merchant Dx43 - Continuous Authorities cancelled for the card Dx44 - Function not supported Dx45 - Incorrect CVV Dx46 - Incorrect Start Date Dx47 - Card Number Changed Dx48 - Invalid Currency Code Dx90 - Pre-authorisation anti-fraud block Dx91 - Post-authorisation anti-fraud block
Rx01 - Referral
Ex01 - Transaction error
Cx01 - Transaction cancelled Cx02 - Transaction expired
Sx00 - Invalid transaction request Sx01 - Connection failure Sx02 - Invalid response Sx03 - Response timeout Sx04 - Server error Sx05 - Server error Sx06 - No response from issuer Sx07 - Service not available Sx99 - Unknown Error |