Action Code (actionCode)
Cod Cod
Description Description
e e
Approved and
00 completed 59 Suspected fraud
successfully
Refer to card
01 61 Exceeds approval amount limit
issuer
Refer to card
Restricted card (card invalid in this region or
02 issuer, special 62
country)
condition
03 Invalid merchant 63 Security violation (source is not correct issuer)
Pick up card (no
04 64 Transaction does not fulfill AML requirement
fraud)
05 Do not honor 65 Exceeds withdrawal frequency limit
06 Error 75 Allowable number of PIN entry tries exceeded
Pick up card,
07 special condition 76 Unsolicited reversal
(fraud account)
10 Partial approval 79 Already reversed (by Switch)
11 Approved (V.I.P) 80 No financial impact
Invalid
12 81 Cryptographic error found in PIN
transaction
Invalid amount
or currency
13 82 Negative CAM, dCVV, iCVV, or CVV results
conversion field
overflow
Invalid account No reason to decline a request for address
14 number (no such 85 verification, CVV2 verification, or a credit voucher
number) or merchandise return
15 No such issuer 86 Cannot verify PIN; for example, no PVV
Re-enter Ineligible to receive financial position information
19 89
transaction (GIV)
Issuer or switch inoperative and STIP not
applicable or not available for this transaction;
Time-out when no stand-in; POS Check Service:
21 No action taken 91 Destination unavailable; Credit Voucher and
Merchandise Return Authorizations: V.I.P. sent the
transaction to the issuer, but the issuer was
unavailable.
Financial institution or intermediate network
Unable to locate
25 92 facility cannot be found for routing (receiving
record in file
institution ID is invalid)
File temporarily
28 not available for 93 Transaction cannot be completed - violation of law
update or inquiry
No credit System malfunction or certain field error
39 96
account conditions
Lost card, pick
Surcharge amount not supported by debit network
41 up (fraud B2
issuer.
account)
Stolen card, pick
43 up (fraud N0 Force STIP
account)
Not sufficient
51 N3 Cash service not available
funds
No checking
52 N4 Cash request exceeds issuer or approved limit
account
No savings
53 N5 Ineligible for resubmission
account
Expired card or
54 expiration date N7 Decline for CVV2 failure
is missing
Incorrect PIN or Transaction amount exceeds preauthorized
55 N8
PIN missing approval amount
57 Transaction not Q1 Card Authentication failed
permitted to
cardholder
R0 Stop Payment Order