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Visa Transaction Response Codes

The document lists bank response codes and their meanings that are returned when a transaction is processed through an online payment gateway to a bank. The codes identify whether a payment was approved or declined. Code 00 means the transaction was approved successfully, while codes 01-09 generally mean the transaction failed and provide explanations like contacting the card issuer or using an alternate card.

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356 views2 pages

Visa Transaction Response Codes

The document lists bank response codes and their meanings that are returned when a transaction is processed through an online payment gateway to a bank. The codes identify whether a payment was approved or declined. Code 00 means the transaction was approved successfully, while codes 01-09 generally mean the transaction failed and provide explanations like contacting the card issuer or using an alternate card.

Uploaded by

will smith
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd

Bank Response Codes [Link]

com/response

ALL BANK RESPONSE CODE


Each time a transaction is processed through the CAS payment gateway to the bank, the bank returns
a 2 digit response code which identi�es the reason the payment was approved or declined. A full list of
response codes is included below.
Please Note – some response codes may not be applicable to payments processed via an online
channel, like your website.
Code Response Text Result Explanation

00 Transaction Approved Successful The transaction was successful.

01 Refer to Issuer Fail The customer’s bank (Card Issuer) has indicated
there is a problem with the credit card number. The
customer should contact their
bank. The customer should use an
alternate credit card.

02 Refer to Issuer, special Fail The customer’s bank (Card Issuer) has indicated
there is a problem with the credit card number. The
customer should contact their bank.
The
customer should use an alternate credit card.

03 No Merchant Fail The Merchant ID is invalid, you should


contact your Bank and ensure you have provided the
correct Merchant Account
Number to eWAY.

04 Pick Up Card Fail The customer’s bank (Card Issuer) has declined the
transaction and requested that your customer’s credit
card be retained. (card
reported lost or stolen). The
customer should use an alternate credit card.

05 Do Not Honour Fail The customer’s bank has declined the


transaction as the credit card number has failed a
security check, or the
funds have been frozen or depleted.
The customer should use an alternate credit card.

06 Error Fail The customer’s bank (Card Issuer) has declined the
transaction as there is a problem with the credit card
number. The customer should contact their
bank. The customer should use an
alternate credit card.

07 Pick Up Card, Special Fail The customer’s bank (Card Issuer) has declined the
transaction and requested that your customer’s credit
card be retained. (card
reported lost or stolen) The customer
should use an alternate credit card.

08 Honour With Identi�cation Successful The transaction was


successful. Some Banks use this code
instead of ‘00’.

09 Request In Progress Fail The customer’s bank (Card Issuer) has indicated
there is a problem with the credit card number. The
customer should contact their
bank. The customer should use an

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Bank Response Codes [Link]

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