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What do Dx response codes mean?

Find out why a payment may not have been processed successfully.

If you’re a partner, for example with a gateway that you want to integrate with our acquiring platform, 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 indicates a validation error (for example, invalid card number)
For information, see What do Vx response codes mean?

D indicates a declined transaction

R indicates a referral (to be treated as a declined transaction)
For information, see What do Rx response codes mean?

C indicates a cancelled transaction (for example, a user selected Cancel on a payment page)
For information, see What do Cx response codes mean?

S indicates a system error
For information, see What do Sx response codes mean?

The prefix is followed by three digits, for example x01. The first digit, for example the x, is for internal use only. The next two digits, for example the 01, provide more details about the response. The following list presents the code and the message for each response.

Declined transactions

Code

Message

Explanation

Dx01

Non-specific decline

 

Dx02

Declined due to funds (insufficient/limit exceeded)

The customer doesn’t have enough in their account to cover the payment.

Dx03

Retain card

The card issuer has declined the transaction and requested that you retain the customer's card. Following a declined transaction with this error message, you should check subsequent transactions to monitor for fraudulent activity on alternate cards.

Dx04

VoicePrint not matched

VoicePrint (voice authentication technology) may not work if a customer’s voice changes, for example after illness or surgery. Ask the customer for a different form of ID and advise that they may need to record a new VoicePrint.

Dx05

On our blacklist

The customer or card is on our deny list

Dx06

Call failed

 

Dx07

Cannot use live account for demo purchase

Customers/developers need to use the following URLs:

·    Cashflows Gateway API: https://secure-int.cashflows.com/gateway/

·    Payments API: https://integration.cashflows.com/payments/

·    Remote Auth API: https://secure-int.cashflows.com/gateway/remote_auth/

Dx07

Cannot use demo account for live purchase

Customers/developers need to use the following URLs:

·    Cashflows Gateway API: https://secure-int.cashflows.com/gateway/

·    Payments API: https://integration.cashflows.com/payments/

·    Remote Auth API: https://secure-int.cashflows.com/gateway/remote_auth/

Dx08

Insufficient funds in account

The customer does not have enough money in their account to cover the payment.

Dx09

Hold not supported for acquirer

 

Dx10

Card authorisation attempt limit reached

The customer has tried too many times to authorise a card.

Dx11

Scheme authorisation limit reached

 

Dx40

Authority cancelled for transaction

A customer has cancelled a recurring payment.

Dx41

Authorities cancelled for merchant

A merchant has cancelled a recurring payment.

Dx42

Authorities cancelled for card

A customer or merchant has removed card details for a recurring payment.

Dx44

Function not supported

 

Dx45

Incorrect CVV

The customer has entered an incorrect security code (CVV). Ask the customer to check that the code is correct or to use a different payment method or card.

Dx46

Incorrect start date

The customer has entered an incorrect start date that does not match the date on the card. Ask the customer to check that the start date is correct or to use a different payment method or card.

Dx47

Card Number Changed

 

Dx48

Invalid Currency Code

The currency code is not a standard currency code. The currency code must be in the format specified on the ISO Currency Codes list.

Dx49

Additional customer authentication required

The customer’s bank has rejected an SCA exemption request for this payment. It needs to have 3-D Secure checks applied before you can resubmit it to us for authorisation.

Dx51

Chip Data Mandatory Fields Missing

 

Dx52

Card Sequence Number Invalid

 

Dx53

Track 2 Data Invalid

 

Dx54

Cashback not allowed

 

Dx55

Cashback not available with the Issuer

 

Dx56

Cashback amount exceeds Issuer Auth Limit

 

Dx57

Cashback amount invalid

 

Dx58

Card from Initial transaction expired

 

Dx59

Closed account

 

Dx60

Verification data failed

 

Dx61

Offline-declined

 

Dx62

Unable to go online

 

Dx63

Suspected fraud

We (or the card issuer) suspect that this payment could be fraudulent.

Dx64

Exceeds withdrawal frequency limit

The customer has tried too many times to use their card to withdraw cash. Advise the customer to use a different payment.

Dx65

Cardholder verification method failed

 

Dx66

Allowable number of PIN-entry tries exceeded

The customer has tried too many times to enter their PIN.

Dx67

Blocked, first used or special condition

 

Dx68

Life Cycle

Applies to Mastercard transactions. Payment has been refused because of invalid card data.

Dx69

Policy

Applies to Mastercard transactions. Payment has been refused because there is a policy contradiction.

Dx70

Fraud/Security

Applies to Mastercard transactions. Payment has been refused because the card issuer suspects that this payment could be fraudulent.

Dx71

Restricted card (card invalid in region or country)

 

Dx90

Pre-Authorisation anti-fraud block

 

Dx91

Post-Authorisation anti-fraud block

 

D169

Response code 82

Applies to Visa payments. The cardholder verification method failed for CAM, dCVV, iCVV, CVV. Alternatively, this is used as a service code for card present transactions.

D170

Response code 83

Applies to Mastercard payments. The transaction has been refused because the card issuer suspects that it could be fraudulent.