ISO Response Codes
Terminal and Transaction codes – V1
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Contents
1. Terminal codes ........................................................................................................... 3
2. Instalment Maintenance (MI) and Collection response codes ..................................... 5
2.1 Most popular codes................................................................................................. 5
2.2 All Other codes ....................................................................................................... 6
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1. Terminal codes
Most of the below codes will apply to Terminal and Webservices responses
Code Description
0 Approved or Completed Successfully
1 Refer to Card Issuer Please make sure the card is inserted
(Dipped) not swiped
2 Refer to Card Issuer’s Special Conditions
3 Invalid Merchant
4 Pick-up Card
5 Do Not Honour Standalone = Check ID number / Cs2 =
contract reference must be disabled.
Please make sure the card is inserted
(Dipped) not swiped
6 Error
7 Pick-up Card, Special Condition
8 Honour with Identification
9 Request in Progress
11 Approved (VIP)
12 Invalid Transaction
13 Invalid Amount
14 Invalid Card Number Check if the card is open on the AEDO
Bin list, if not try to load a TT1, if the Bin
is SBSA 519612 - this is NOT open for
DC
15 No such Issuer
22 MAC Failed
30 Format Error
31 Bank not Supported by Switch Check the BIN number for DebiCheck
33 Expired Card
34 Suspected Fraud
35 Card Acceptor Contact Acquirer
36 Restricted Card
37 Card Acceptor Call Acquirer Security
38 Allowable PIN Tries Exceeded
39 No Credit Account
41 Lost Card
43 Stolen Card, Pick-up
51 Not Sufficient Funds
52 Account Closed
53 No Credit Account Check account details. Make sure that
the merchant is choosing the correct
account type for the account that is
linked to the card
54 Expired Card
55 Incorrect Personal Identification Number
56 No Card Record
57 Transaction Not Permitted to Cardholder
58 Transaction Not Permitted to Terminal
61 Exceeds Withdrawal Amount Limit
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62 Restricted Card
65 Exceeds Withdrawal Frequency Limit
68 Response Received too Late
75 Allowable Number of PIN Tries Exceeded
76 Approved Country Club
77 Pending Identification
78 Approved Blind
79 Approved Administrative Transaction
80 Approved National Negative File Hit OK
81 Approved Commercial
82 No Security Module
83 No Accounts
84 No PBF
85 PBF Update Error
86 Invalid Authorisation Type
87 Bad Track 2
88 PTLF Error
89 Invalid Route Service
90 Cut-off is in Process
91 Issuer or Switch is Inoperative
92 FI or Intermediate Network facility cannot
be Found for Routing
94 Duplicate Transmission
96 System Malfunction
N0 Unable to Authorise
N1 Invalid PAN length
N2 Preauthorization Full
N3 Maximum Online Refund Reached
N4 Maximum Offline Refund Reached
N5 Maximum Credit Per Refund
N6 Maximum Refund Credit Reached
N7 Customer Selected Negative File Reason
N8 Over Floor Limit
N9 Maximum Number Refund Credits
E1 Payment stopped (STOP
PRESENTATION)
E2 Account frozen
E3 Account in sequestration
E4 Account closed
E5 Account holder deceased
E6 Account effects not cleared
Z1 Chip card declined Card must be inserted and not swiped.
Bank the terminal and do Parameter
download as well, then try again.
Z3 Timeout
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2. Instalment Maintenance (MI) and Collection response codes
2.1 Most popular codes
Error Code Description
900000 Transaction Successful - Successful Debit or Mandate Accepted
*** SCR 168 – implementation date February 2018 ***
900002 Insufficient Funds - The account does not have sufficient funds available to process the
transaction. ( Unsuccessful Debit)
900003 Debits not allowed to this account - The type of account does not allow debit transactions.
900004 Payment stopped by Account Holder - Prior to presentment, the account holder has
instructed the Debtor that this transaction may not be processed to the account. The issuer
may previously have sent an E1 stop presentment to the acquirer.
900005 Dormant Account - The account has been inactive for a period and no debits are allowed to
this account.
900006 Account frozen - There is a restriction on the account e.g. Card stolen, potential Fraud under
investigation etc.
900008 Account In Liquidation - The account holder has been placed under liquidation. No
transactions allowed.
900010 Account in sequestration - The account holder has been placed under sequestration. No
transactions allowed.
900012 Account closed - The account has been closed by the account holder, or dormant account
has been closed after a period. No transactions allowed.
900018 Account holder deceased - The account holder has been declared deceased. No
transaction allowed.
900099 Held for representment - Currently insufficient funds, tracked for Tracking Period.
Acquirer to take no action, transaction is at Issuer.
901123 Debtor Account Number fails CDV
901122 Invalid Debtor identifier on mandate – Check branch code vs account number
901121 Invalid Date Adjustment Rule Indicator on mandate – Date adjustment set to “N”
901188 Creditor Abbreviated Short Name not matched – Check ABSN on Ofbiz
901115 Invalid Debtor Account Number on mandate – Check account details vs branch code
910003 Account Number not linked to client’s profile – Consumer ID not linked to account
910002 Account is not matched to ID number – Consumer account not linked to ID
902029 Internal System Error on real time system – Bank issue.
910005 Account open and active, no contact details – Consumer must update his/ her details at the
bank.
901115 Invalid Debtor Account Number on mandate – must be at least 10 digits
901120 Invalid Collection Day on mandate – This will happen if the date adjustment is not set to “Y”
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91002 (RM13) Unable to do fallback on DebiCheck Transaction – Merchant cannot use a Business Card on
DebiCheck as it is not allowed
E99999 Nedbank internal error. Check the next day if not processed.
2.2 All Other codes
Error Code Description
900000 Transaction Successful - Successful Debit or Mandate Accepted
*** SCR 168 – implementation date February 2018 ***
900002 Insufficient Funds - The account does not have sufficient funds available to process
the transaction. ( Unsuccessful Debit)
900003 Debits not allowed to this account - The type of account does not allow debit
transactions.
900004 Payment stopped by Account Holder - Prior to presentment, the account holder has
instructed the Debtor that this transaction may not be processed to the account. The
issuer may previously have sent an E1 stop presentment to the acquirer.
900005 Dormant Account - The account has been inactive for a period and no debits are
allowed to this account.
900006 Account frozen - There is a restriction on the account e.g. Card stolen, potential Fraud
under investigation etc.
900008 Account In Liquidation - The account holder has been placed under liquidation. No
transactions allowed.
900010 Account in sequestration - The account holder has been placed under sequestration.
No transactions allowed.
900012 Account closed - The account has been closed by the account holder, or dormant
account has been closed after a period. No transactions allowed.
900018 Account holder deceased - The account holder has been declared deceased. No
transaction allowed.
900022 Account effects not cleared - There are currently insufficient funds available;
however there are uncleared funds on the account that will become available once
cleared. This response may optionally be utilised instead of 02 after Tracking has
completed, if applicable. The transaction needs to be represented, note though that
there is no indication of how long the clearing period is or the amount involved in
uncleared effects.
900026 No such account - The account number supplied is not found on the issuer’s system
where the collection is taking place.
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900040 Item Limit Exceeded
900044 The Debtor Bank is currently unable to process due to a system problem and has
issued the 44 response as notification of a problem. Creditor Bank to take no action,
transaction is at Issuer. The Debtor Bank will process the transaction and respond with
a 99 or other final response once the system problem is resolved.
900048 Debtor Account Number Fails CDV Routine – Check account details
900056 Not FICA compliant - Transactions may not be processed to the account as FICA
requirements is outstanding.
900099 Held for representment - Currently insufficient funds, tracked for Tracking Period.
Acquirer to take no action, transaction is at Issuer.
901000 Message Identifier MsgId is missing
901001 Identifier code in Message Identifier invalid
901002 Generation number in Message Identifier invalid
901005 Message Identifier is not unique
901006 Creation date missing
901007 Creation date and time in Group Header invalid
901008 Number of transactions in header not numeric
901009 Number of transactions invalid at group level
901010 Control sum is not numeric
901011 Control sum is not equal to sum of transactions
901012 Total interbank Settlement amount is not numeric
901013 Total interbank Settlement amount does not equal sum of the transactions
901015 Interbank Settlement date is invalid
901016 Clearing System identifier invalid
901017 Instructing agent invalid
901018 Invalid Payment Identifier Structure
901019 Identifier code in payment identification is invalid
901020 Identifier code in payment identification does not match Instructing agent
901021 Settlement date is not a valid date
901022 Settlement date invalid for Credit Transfer service
901023 Payment identifier transaction sequence number invalid
901024 Duplicate payment transaction identifier
901025 Payment Type Information, Clearing Channel not equal to RTGS
901026 Service Level is invalid
901027 Category Purpose Code is invalid
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901029 Currency code on transactions differ from that on the group header
901030 Interbank Settlement Date is supplied in Group header and transactions
901031 The number of fractional digits (or minor unit of currency) must comply with ISO
901032 Exchange rate is not permitted unless instructed amount is supplied
901033 Incorrect charge bearer content
901034 Ultimate debtor name is same as debtor name
901035 Debtor Name field is spaces
901036 Debit account is missing
901037 Debit agent is missing
901038 Creditor Name field is spaces
901039 Ultimate Creditor name is same as creditor name
901040 Creditor account is missing
901041 The country code is invalid in regulatory details
901042 The regulatory reporting transaction code is invalid
901043 Creditor agent is missing
901044 The ACH identifier is incorrect
901045 Invalid Service Code
901046 Group Reason Code invalid
901047 Unable to match group message identifier on payment return
901048 Return identifier must be unique
901049 Return transaction sequence number must be contiguous
901050 Return transaction sequence number must start at one daily
901051 Invalid Transaction identifier
901052 Original Payment Identifier not matched
901053 Returned interbank Settlement amount not equal to original amount
901054 Invalid Transaction Return Reason code
901055 Settlement method is invalid
901056 Duplicate credit transfer
901057 Cancellation did not match original payment at ACH
901058 Duplicate credit return
901059 Resolution of investigation not matched to original Cancellation request
901060 Invalid Tracking Code
901061 Invalid Instalment Sequence
901062 Invalid Entry Class
901063 Interbank Settlement amount currencies differ
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901064 Incorrect Cycle Date
901065 The Contact Details for the Creditor are missing
901066 The Creditor Account Number is invalid
901067 The Creditor Branch Code or BIC Code is invalid
901068 The Debtor Account Type is invalid
901069 The Debtor Branch code is invalid
901070 Invalid Debit Sequence Type
901072 The First Collection Date is not in the future
901073 The Last Collection Date is not in the future
901075 Payment Original Bic Invalid
901076 Payment Destination Bic Invalid
901077 Creditor account is invalid
901078 Instructing Agent is invalid
901079 Instructed Agent is invalid
901080 Original message type invalid
901081 Invalid Status Group Code
901082 Invalid Reason Code
901083 Invalid Creditor Contact Details
901084 Invalid Debit Value Type
901085 Initiating party may not be spaces
901086 Invalid Mandate Reason Code
901087 Invalid Accept Indicator
901088 Mandate Request Type is invalid
901089 Transaction Id not matched to original Transaction id
901090 Ultimate Creditor Name may not be spaces
901091 Ultimate Debtor Name may not be spaces
901092 Mandate Reference Number may not be blank or spaces
901093 Contract Reference not matched to original
901094 Invalid Instructed Amount on Mandate Suspension
901095 Mandate acceptance out of sequence
901100 Tracking code invalid
901101 Invalid authorisation code
901102 Invalid Instalment Occurrence
901103 Invalid Instalment Frequency
901104 Invalid Mandate Initiation Date on mandate
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901105 Invalid TO date on mandate
901106 Invalid First Collection Date on mandate
901107 Invalid Final Collection Date on mandate
901108 Invalid Instalment Amount on mandate
901109 Invalid Initial Amount on mandate
901110 Invalid Final Collection Amount on mandate
901111 Instalment Amount is greater than the Maximum Collection Amount
901112 Invalid Maximum Collection Amount on mandate
901113 Invalid Creditor Agent on mandate
901114 Invalid Creditor Account Number on mandate
901115 Invalid Debtor Account Number on mandate
901116 Invalid Debtor Agent on mandate
901117 Invalid Authentication Status Indicator on mandate
901118 Invalid Authentication type indicator on mandate acceptance
901119 Invalid Debit Value Type on mandate
901120 Invalid Collection Day on mandate
901121 Invalid Date Adjustment Rule Indicator on mandate
901122 Invalid Debtor identifier on mandate
901123 Debtor Account Number fails CDV
901124 Mandate Reference Number is blank or spaces
901125 Invalid Adjustment Category on mandate
901126 Invalid Adjustment Rate on mandate
901127 Invalid Adjustment Amount on mandate
901128 Invalid Creditor Name on mandate
901129 Invalid Ultimate Creditor on mandate
901130 Invalid Ultimate Debtor on mandate
901131 Invalid Contract Reference on mandate
901132 First Collection Date on mandate may not be amended to an earlier date
901133 Contract Reference not permitted to be amended post the initial Collection
901134 Invalid Initiating Party
901135 Tracking Cancellation Indicator Invalid
901136 Mandate Requested Identifier not found
901137 First Collection Date on mandate may not be amended to an earlier date
901138 Mandate amendment not matched
901139 Mandate amendment date invalid
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901140 Mandate is not in a status to be amended
901141 Mandate amendment date error
901142 Mandate amendment failed due to collection response outstanding
901143 Mandate Cancellation Reason Code is invalid
901144 Original Mandate Request Identification is not matched
901145 Mandate Cancellation not matched using Mandate Reference Number
901147 Invalid Debtor Name on mandate
901148 Interbank Settlement Amount is zero
901149 Instalment Amount may not be greater than Maximum Amount
901150 First Collection Date must be greater than or equal to From Date
901152 The Collection Amount may not exceed the Maximum Collection Amount
901153 The Maximum amount may not change
901154 The Country on the address fields may not be changed
901155 The Creditor Scheme may not be changed
901156 Creation Date and time may not be in the future
901158 Message is not for this system
901159 The mandate amendment reason code is invalid
901160 Institution is not logged onto system
901161 Mandate not at a state that allows for amendments
901162 Mandate Reference Number is required
901163 Mandate Request Transaction Identifier is spaces
901164 Bank in Mandate Request Transaction Identifier is invalid
901165 Date in Mandate Request Transaction Identifier is invalid
901166 Invalid First Collection Amount on Mandate
901167 Control sum MAC validation failure
901168 Seven consecutive unsuccessful collections. Mandate suspended
901169 Amendment not in period of adjust category
901170 Creditor Abbreviated Short Name may not be spaces
901171 Interbank Settlement Date is outside the range into the future
901172 Duplicate direct debit request
901173 Duplicate debit return
901174 Duplicate Cancellation request
901175 Duplicate Mandate Suspension request
901176 Duplicate Mandate Suspension Confirmation
901177 Transaction Disputed based on Invalid Date
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901178 Transaction Disputed based on Invalid Amount
901179 Sequence Number in Mandate Request Transaction Number Invalid
901180 Invalid Transaction Status
901181 Multiple collections in a Payment Cycle
901182 Invalid Authentication Status Indicator as per Accept Indicator
901184 MAC key does not match
901185 Mandate Request Transaction Identifier must match original message
901186 The Debtor Account Type and Account number are required on amendment
901187 MAC is required if Debtor Authentication Required element = 0228
901188 Creditor Abbreviated Short Name not matched
901189 MAC must not be populated if Debtor Authentication Required element is not 0228
901190 Invalid Adjustment Rate or amount for category on mandate
901191 The Debtor Bank Branch Number and Account number are required on amendment
901192 MAC is invalid
901193 Invalid Adjustment Category for Debit Value Type “FIXED”
901195 If the First Collection Date is populated, then the First Collection Amount must also be
populated
901196 Invalid Creditor Bank Member ID
901197 Invalid Debtor Bank Member ID
901198 Currency Code must be “ZAR” for South Africa
901199 Mandate requires re-Authentication
902001 Assignment may not be spaces
902003 Service ID on Assignment is invalid
902004 Identifier code in Assignment ID invalid
902005 Invalid file type
902006 File number is not in sequence
902007 Assigner Identifier code invalid
902008 Assignee Identifier code invalid
902009 Creation date invalid
902012 Original interbank Settlement amount is zero
902013 Original interbank Settlement date is spaces
902015 Cancellation code is invalid
902016 Confirmation status is invalid
902017 Original transaction ID is spaces
902018 Original transaction End to End ID is spaces
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902019 Transaction Cancellation Status code is invalid
902020 Cancellation Status Reason Code is invalid
902021 Original interbank Settlement amount is zero on ROI
902022 Original interbank Settlement date is spaces on ROI
902023 Cancellation request is out of date
902024 Mandate Suspension sequence number error
902025 Mandate Suspension identifier invalid
902026 Original interbank Settlement amount does not match transaction amount
902027 Invalid Mandate Suspension identifier
902028 Response not matched to request
902029 Internal System Error on real time system
902100 Debit Amount not equal to Initial Amount
902101 Debit Amount not equal to Instalment Amount
902102 Debit amount exceeds Maximum Collection Amount
902103 Debit amount exceeds Final Collection Amount
902104 Debit date must equal First Collection Date on Mandate
902105 Invalid Collection Day
902106 Creditor Name must equal Creditor Name on mandate
902107 Invalid Creditor Abbreviated Short Name on debit
902108 Debtor name must equal debtor name on mandate
902109 Debtor account must be equal to debtor account on mandate
902110 Mandate Id on debit must equal the Mandate Reference Number on mandate
902111 Contract Reference does not match mandate
902112 Mandate Authentication Date is invalid
902113 Unable to validate file number, invalid originating bank identifier
902114 Invalid country code
902115 Debit Amount exceeds Instalment Amount on Mandate
902116 Debit amount may not exceed Maximum Collection Amount on mandate
902117 First instalment is not equal to First Collection Amount on mandate
902118 Debtor Account is not open and active
902119 Unable to reach debtor for Authorisation
902120 Duplicate acceptance message identifier
902121 Invalid file structure
902122 Amendment cannot be processed while previous amendment not accepted
902123 Invalid Debtor name of mandate information request
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902124 Bank Identifier on file name must be the same as Instructing Agent Bank Identifier
902125 Instructing Agent and Instructed Agent cannot have the same Bank Identifier
902126 Mandate is not in a status to be cancelled
902127 Invalid Mandate Download Request Type
902134 Message Id Structure Incorrect
902135 Invalid Personal Identification type
902136 Mandates not allowed against this account
902139 Collection Amount is greater than Instalment Amount
902140 Tracking Period not equal to mandate
902141 Mandate Request Identifier structure error
902142 Cellphone number is invalid
902143 An Amend to the field Requires a new Mandate
902144 Once Off Mandate instalment is not equal to First Collection Amount on mandate
902145 Mandate has expired
902146 Mandate initiation request has expired
902147 Original message identification is not matched
902148 Authentication status is invalid
902149 Mandate in Suspended state
902151 Request Transmission Number must be 1,2,3, or 4
902152 Request Transaction Identifier must be unique
902153 Reason Code must be supplied
902200 Duplicate Request. Account Invalid
902201 Duplicate Request. Duplicate request, response from debtor still pending.
902202 Duplicate Request. Previously Authorised
902203 File rejected. All transactions invalid. See reasons for rejection on transaction
information.
902204 Duplicate Request. Mandate already exists
902205 Duplicate Message. Message rejected
902206 File exceed maximum specified number of records
902207 Mandate reply already processed
902208 Duplicate response for mandate request
902232 Mandate Cancelled due to early Settlement
902233 Contract Expired
902234 Mandate Cancellation due to Fraud
902235 Mandate Instalment Amount exceeds industry limit
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902236 Adjustment Amount required for amendments to Adjustment Category
902237 Collection received from creditor under investigation for DOA
902317 Debit Sequence Type not equal Instalment Occurrence on mandate
902318 Debit Sequence Type not valid for Instalment Occurrence on mandate
902319 Mandate cancelled; collection removed from Tracking
902400 Relationship between Message Identification, Authentication Type and Debtor
Authentication Required is incorrect
Error codes to be used by Debtor Bank when rejecting a mandate initiation on
account number validation
910001 Account Number is invalid
(Check the account number that the merchant is inserting)
910002 Account is not matched to ID number
910003 Account Number not linked to client’s profile
910004 Account open and active, incorrect contact details (0229)
910005 Account open and active, no contact details
910006 Multiple signatories not allowed on account
Generic error messages when a mandatory element is not populated
910099 Message Element <Message Element Name> must not be zero or spaces
ACH real time error messages when bank is not available (only for Interface
Specification)
999901 Bank not available
999999 Message timed out
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