Processor response codes

564 response codes across 5 processors, published by the processors themselves and resolved by this platform rather than restated by it.

Where the code comes from

A transaction that reached a processor carries that processor's own verdict on responseData.processorResponseCode, and the processor that produced it on processorKey. Find the section below whose heading matches processorKey, then the row whose code matches processorResponseCode. Both fields are on every transaction the API returns, including a declined one.

A processor response code isn't an API error code. An error code means the request was refused before or instead of being processed, and the error reference documents it. A processor response code means the request reached a processor and the processor answered, which covers an approval as much as a decline.

Every processor table this platform carries is listed, whichever processors your own merchant account is configured for. Which one handled a given transaction is on that transaction's processorKey.

Codes by processor

The label and the definition are the processor's own wording, carried through unchanged. Branch on the code: the wording can be reworded by the processor at any time, and a range row such as H1-H9 covers every code between its two ends.

TSYS

Code	Label	Meaning
`00`	APPROVAL	Approved and completed.
`01`	CALL	Refer to issuer.
`02`	CALL	Refer to issuer - Special condition.
`03`	TERM ID ERROR	Invalid Merchant ID.
`04`	HOLD-CALL	Pick up card (no fraud).
`05`	DECLINE	Do not honor.
`06`	ERROR	General error.
`07`	HOLD-CALL	Pick up card, special condition (fraud account).
`08`	APPROVAL	Honor MasterCard with ID.
`10`	PARTIAL APPROVAL	Partial approval for the authorized amount returned in Group III version 022.
`11`	APPROVAL	VIP approval.
`12`	INVALID TRANS	Invalid transaction.
`13`	AMOUNT ERROR	Invalid amount.
`14`	CARD NO. ERROR	Invalid card number.
`15`	NO SUCH ISSUER	No such issuer.
`19`	RE ENTER	Re-enter transaction.
`21`	NO ACTION TAKEN	Unable to back out transaction.
`25`	NO CARD NUMBER	Unable to locate the account number.
`28`	NO REPLY	File is temporarily unavailable.
`30`	MSG FORMAT ERROR	Transaction was improperly formatted.
`39`	NO CREDIT ACCT	No credit account.
`41`	HOLD-CALL	Lost card, pick up (fraud account).
`43`	HOLD-CALL	Stolen card, pick up (fraud account).
`46`	CLOSED ACCOUNT	Closed account.
`51`	DECLINE	Insufficient funds.
`52`	NO CHECK ACCOUNT	No checking account.
`53`	NO SAVE ACCOUNT	No savings account.
`54`	EXPIRED CARD	Expired card.
`55`	WRONG PIN	Incorrect PIN.
`57`	SERV NOT ALLOWED	Transaction not permitted - Card.
`58`	SERV NOT ALLOWED	Transaction not permitted - Terminal.
`59`	SUSPECTED FRAUD	Suspected fraud.
`61`	EXC APPR AMT LIM	Exceeds approval amount limit.
`62`	DECLINE	Invalid service code, restricted.
`63`	SEC VIOLATION	Security violation.
`65`	EXC W/D FREQ LIM	Exceeds withdrawal frequency limit.
`6P`	VERIF DATA FAILD	Verification data failed.
`75`	PIN EXCEEDED	Allowable number of PIN-entry tries exceeded.
`76`	UNSOLIC REVERSAL	Unable to locate, no match.
`77`	NO ACTION TAKEN	Inconsistent, reversed, or repeat data.
`78`	NO ACCOUNT	Blocked, first used transaction from new cardholder, and card not properly unblocked.
`79`	ALREADY REVERSED	Already reversed at switch.
`80`	NO IMPACT	No Financial impact (used in reversal responses to decline originals).
`81`	ENCRYPTION ERROR	Cryptographic error.
`82`	INCORRECT CVV	CVV data is not correct Or Offline PIN authentication interrupted.
`83`	CANT VERIFY PIN	Cannot verify PIN.
`85`	CARD OK	No reason to decline.
`86`	CANT VERIFY PIN	Cannot verify PIN.
`91`	NO REPLY	Issuer or switch is unavailable.
`92`	INVALID ROUTING	Destination not found.
`93`	DECLINE	Violation, cannot complete.
`94`	DUPLICATE TRANS	Unable to locate, no match.
`96`	SYSTEM ERROR	System malfunction.
`A1`	ACTIVATED	POS device authentication successful.
`A2`	NOT ACTIVATED	POS device authentication not successful.
`A3`	DEACTIVATED	POS device deactivation successful.
`B1`	SRCHG NOT ALLOWD	Surcharge amount not permitted on debit cards or EBT food stamps.
`B2`	SRCHG NOT ALLOWD	Surcharge amount not supported by debit network issuer.
`CV`	FAILURE CV	Card Type Verification Error.
`D3`	SECUR CRYPT FAIL	Transaction failure due to missing or invalid 3D-Secure cryptogram.
`E1`	ENCR NOT CONFIGD	Encryption is not configured.
`E2`	TERM NOT AUTHENT	Terminal is not authenticated.
`E3`	DECRYPT FAILURE	Data could not be decrypted.
`EA`	ACCT LENGTH ERR	Verification error.
`EB`	CHECK DIGIT ERR	Verification error.
`EC`	CID FORMAT ERROR	Verification error.
`H1-H9`	SERV NOT ALLOWED	Contact Merchant Services/Technical Support.
`HV`	FAILURE HV	Hierarchy Verification Error.
`K0`	TOKEN RESPONSE	Token request was processed.
`K1`	TOKEN NOT CONFIG	Tokenization is not configured.
`K2`	TERM NOT AUTHENT	Terminal is not authenticated.
`K3`	TOKEN FAILURE	Data could not be de-tokenized.
`M0`	DOM DBT NOT ALWD	Mastercard: Canada region-issued Domestic Debit Transaction not allowed.
`N3`	CASHBACK NOT AVL	Cashback service not available.
`N4`	DECLINE	Exceeds issuer withdrawal limit.
`N7`	CVV2 MISMATCH	CVV2 value supplied is invalid.
`P0-P6`	SERV NOT ALLOWED	Contact Merchant Services/Technical Support.
`P7`	MISSING SERIAL NUM	The terminal has not yet completed the boarding process. The Serial Number has not been set up.
`Q1`	CARD AUTH FAIL	Card authentication failed.
`R0`	STOP RECURRING	Customer requested stop of specific recurring payment.
`R1`	STOP RECURRING	Customer requested stop of all recurring payments from specific merchant.
`R3`	STOP ALL RECUR	All recurring payments have been canceled for the card number in the request.
`S0`	INACTIVE CARD	The PAN used in the transaction is inactive.
`S1`	MOD 10 FAIL	The Mod-10 check failed.
`S5`	DCLN NO PRE AUTH	Decline - no preauthorization found.
`S9`	MAX BALANCE	Maximum working balance exceeded.
`SA`	SHUT DOWN	The Authorization Server is shut down.
`SB`	INVALID STATUS	Invalid card status - status is other than active.
`SC`	UNKNOWN STORE	Unknown dealer/store code - special edit.
`SD`	TOO MANY RCHRGS	Maximum number of recharges is exceeded.
`SE`	ALREADY USED	Card was already used.
`SF`	NOT MANUAL	Manual transactions not allowed.
`SH`	TYPE UNKNOWN	Transaction type was unknown.
`SJ`	INVALID TENDER	An invalid tender type was submitted.
`SK`	CUSTOMER TYPE	An invalid customer type was submitted.
`SL`	PIN LOCKED	PIN was locked.
`SM`	MAX REDEMPTS	The maximum number of redemptions was exceeded.
`SP`	MAX PAN TRIES	The maximum number of PAN tries was exceeded.
`SR`	ALREADY ISSUED	The card was already issued.
`SS`	NOT ISSUED	The card was not issued.
`T0`	APPROVAL	First check is OK and has been converted.
`T1`	CANNOT CONVERT	The check is OK but cannot be converted. This is a declined transaction.
`T2`	INVALID ABA	Invalid ABA number, not an ACH participant.
`T3`	AMOUNT ERROR	Amount greater than the limit.
`V1`	FAILURE VM	Daily threshold exceeded.

TSYSTerminalMgr

Code	Label	Meaning
`A1`	ACTIVATED	The device was authenticated.
`A2`	NOT ACTIVATED	The device was not authenticated.
`A3`	DEACTIVATED	The device was deactivated.

paymentech

Code	Label	Meaning
`A`	Approved	Approved (requested transaction was successful).
`E`	Error	Error. See the Auth/Error Code for which error.
`200`	Auth Declined	Cardholder's bank did not approve transaction.
`201`	Call Voice Oper	Authorizer needs more information for approval.
`202`	Hold - Call	Card issuer does not want that card used. Call for further instructions.
`203`	Call Voice Oper	Authorizer didn't respond within allotted time.
`204`	Invalid Card No	Account #/mag stripe is invalid.
`205`	Invalid Exp Date	Expiration date is either incorrect format or prior to today.
`206`	Invalid ICA No	Invalid International Control Account number.
`207`	Invalid ABA No	Invalid American Banking Association number.
`208`	Invalid PIN No	The Personal ID Number for a debit transaction is incorrect.
`209`	Invalid Bank MID	The Bank Merchant ID is incorrect.
`210`	Invalid Term No	The merchant ID is not valid or active.
`211`	Invalid Amount	Amount is either: equal to 0, has no decimal, has decimal in wrong place, or has multiple decimals.
`213`	Invalid Tran Fmt	The transaction format isn't valid, typically invalid SIC code.
`214`	Call Voice Oper	Authorization center cannot be reached.
`215`	Lost/Stolen Card	Card has been reported lost or stolen.
`216`	Invalid PIN	Personal ID code is incorrect.
`217`	Over Credit Flr	Amount requested exceeds credit limit.
`218`	Request Denied	Transaction is not valid for this authorizer.
`219`	PIN Tries Exceeded	An invalid PIN has been entered the maximum number of times.
`220`	Not Online to XX	Fatal communications error.
`240`	Card Not on File	Retail Issued account number does not exist.
`248`	CVC2/CID Error	CVC2 or CID data entered is not correct for the card.
`300`	Invalid Term ID	First 2 digits of MID not equal to F. or K.
`301`	Invalid Exp Date	Two digit month not between 01 and 12.
`302`	Card Expired	Card date prior to system date.
`303`	Amount Entry Err	Amount length not between 3 and 8 digits.
`304`	Amount Entry Err	Amount either has no decimal, more than one, or it is positioned incorrectly.
`305`	Amount Entry Err	Amount contains non-numeric characters.
`306`	Invalid Card	Account #/mag stripe contains non-numeric characters.
`307`	Invalid Card	Account #/mag stripe is less than 5 char long.
`308`	Invalid Card	Account #/mag stripe does not pass MOD 10 check.
`309`	Invalid Term ID	Terminal ID not found in terminal file.
`310`	Invalid Card	Account #/mag stripe is incorrect length.
`311`	Call Center	Host couldn't read terminal file within specified time.
`312`	Invalid Card	Account # can't be found in BIN table.
`313`	Invalid Store	12 digit merchant/store # not found in file.
`314`	Call Center	Host couldn't read store file within specified time.
`315`	Inv Tran Code	Tran Code not supported for that card type.
`317`	Invalid Card	Discover not set up for draft capture or no subscriber #.
`318`	Invalid Card Length	Length does not match routing table specification.
`319`	Invalid Amount	Transaction amount all zeroes.
`320`	Invalid Format	Missing field separator or ETX.
`321`	Inv/Mssng Auth Code	Authorization code is missing or incorrect on a prior sale.
`322`	Inv Industry Data	Industry specific data is incorrect.
`323`	Invalid Trans Class	Transaction class is not "F" financial.
`325`	Invalid Duration	Duration is not 01-99.
`326`	Inv Pref Cust Ind	Preferred customer indicator is not Y or N.
`327`	Inv Card Type/Revers	A Partial Reversal was attempted for a non-ChaseNet or non-Visa card.
`328`	Inv Industry Incrmtl	An incremental authorization was attempted for an industry other than Lodging or Auto Rental.
`329`	Inv Industry Reversl	An reversal authorization was attempted for an industry other than Lodging, Auto Rental or MO/PO.
`330`	PSRF Rec Not Found	An Incremental or Reversal authorization was attempted against a transaction that did not qualify for PSIRF.
`331`	Inv Folio No/Hotel	Folio number is not a 6 digit numeric field.
`332`	Inv Charge Des/Hotel	Charge descriptor field is not 2 digit numeric.
`333`	Inv Industry/No Show	A No Show transaction was attempted for an industry other than lodging or auto rental.
`334`	Inv Card Type/Market	Market specific data is present for non-supported card.
`335`	Invalid Vehicle No	Vehicle number is not 5 digit numeric field.
`336`	Invalid Odometer No	Odometer field is not 6 digit numeric.
`337`	Invalid Driver No	Driver number is not 6 digit numeric or 4 digit with 2 leading spaces.
`338`	Inv/Mssng MO/TO No	Order number is missing or contains invalid data.
`339`	Inv Comb SIC/MO/TO	Invalid "Transaction Type" indicator for a mail order only SIC code under industry specific data.
`340`	Reversal Auth Exists	A second reversal authorization was attempted, only one is permitted.
`341`	Inv Amount/Reversal	Reversal amount is invalid or greater than original authorization amount.
`342`	Inv PIN Capability	PIN capability field contains invalid data.
`343`	Inv Auth Char Ind	Auth Characteristics Indicator field contains invalid data.
`344`	Trans ID Not Numeric	Transaction ID field contains non-numeric data.
`345`	Trans ID Not Match	Transaction ID does not match original authorization.
`346`	Inv BankNet Ref No	BankNet reference number contains invalid data or does not match original authorization.
`347`	Duration > 99 Days	Duration field greater than 99.
`348`	MSDI Not Match CPS	Market specific data indicator does not match CPS type.
`349`	Ind Cd Not Match CPS	Industry code does not match custom payment service type.
`350`	Inc/Rev Not Manual	Incremental or reversal auths must be manually entered.
`353`	Prem Not Allowed	Must use a special SIC code to accept Premier MC cards.
`357`	Card/Store Invalid	Retail Issued account number not valid for that Store number.
`358`	Amex Not Allowed	Amex capture not equal to C, A or P or SE# missing.
`359`	Diners Not Allowed	Diners capture not equal to C or D.
`360`	Car Blnc Not Allowed	Carte Blanche capture is not equal to C or D.
`361`	JCB Not Allowed	JCB capture is not equal to C or D.
`362`	Invalid EC Data	Invalid Electronic Commerce Data.
`602`	Call Voice Oper	Authorization center cannot be reached.
`999`	Client Not Found	Client identifier field is not on system.

fiserv

Code	Label	Meaning
`000`		Approve
`001`		Schema Validation Error
`002`		Approve for partial amount
`003`		Approve VIP
`100`		Do not honor
`101`		Expired card
`102`		Suspected fraud
`103`		Unable to process TeleCheck recurring transaction with this payment type (not associated with insufficient or uncollected funds)
`104`		Restricted card
`105`		Call acquirer’s security department
`106`		Allowable PIN tries exceeded
`107`		Call for authorization
`108`		Refer to issuer’s special conditions
`109`		Invalid merchant. The merchant is not in the merchant database or the merchant is not permitted to use this particular card
`110`		Invalid amount
`111`		Invalid Host Totals Date
`112`		DES Encryption not allowed from the device / terminal
`113`		Host Totals are Incomplete
`114`		Invalid account type
`115`		Invalid HIP Amount
`116`		Not sufficient funds
`117`		Incorrect PIN or PIN length error
`118`		No card record
`119`		Transaction not permitted to cardholder
`120`		Transaction not permitted to terminal
`121`		Exceeds withdrawal amount limit
`122`		Security violation
`123`		Exceeds withdrawal frequency limit
`124`		Violation of law
`129`		Suspected counterfeit card
`130`		Invalid terminal
`131`		Invalid account number
`132`		Unmatched card expiry date
`133`		The TPP ID was not found
`134`		Not sufficient funds
`135`		Invalid Country Code
`136`		Invalid Region Code
`150`		Invalid merchant set up
`151`		Activation failed
`152`		Exceeds limit
`153`		Already redeemed
`154`		Over monthly limit
`155`		Recharge amount exceeded
`156`		Max number of recharges exceeded
`157`		Invalid entry
`208`		Lost Card / Lost Check
`209`		Stolen card
`210`		Invalid use of MCC - correct and reattempt
`211`		Invalid SKU number.
`212`		Missing conditional data.
`213`		Invalid account number for card type.
`214`		Invalid payment type/card type for merchant ID.
`215`		Invalid transaction for Merchant ID.
`216`		Invalid TransArmor request. Not supported for given Payment Type, or Merchant is not enabled for Transarmor
`217`		Missing or invalid secure payment data.
`218`		Merchant ID not enabled for Secure Code.
`219`		Invalid Merchant Category Code
`220`		Customer service phone number missing.
`221`		Merchant not enabled for soft descriptors, account updater or optimization processing.
`222`		Partial auth not allowed.
`223`		Customer under 18 years old.
`224`		Account blocked – possible compromise.
`225`		Bill-to address does not match ship-to.
`226`		Invalid preapproval number.
`227`		Invalid email address.
`228`		Need more ID – request full SSN.
`229`		Previously declined/closed account.
`230`		One time stop payment requested by cardholder.
`231`		Stop payment requested for all payments.
`232`		Stop all payments – account closed.
`233`		Auth response date not valid.
`234`		Issuance under minimum amount.
`235`		Outstanding auth – funds on hold.
`236`		Activation amount incorrect.
`237`		Deny – new card issued.
`238`		BIN blocked.
`242`		Customer opt-out.
`243`		Institution does not accept ACH payments.
`244`		Original transaction not approved.
`245`		Invalid MICR data.
`246`		Declined due to high risk.
`247`		Declined due to stand-in rules.
`248`		Conditional Approval – Hold shipping for 24 hours
`250`		Re-authorization request is declined. Original Auth could not be found.
`251`		Re-authorization request is declined. The customer account number, merchant id, or amount did not match the original authorization.
`252`		Re-authorization request is declined. The amount significantly exceeds the original request amount.
`253`		Re-authorization request is declined. The timeframes for re-authorization have been exceeded.
`254`		Counter Offer to Supply Personal Guaranty.
`300`		Invalid EAN or SCV.
`301`		Lock has expired on prepaid card.
`302`		Account closed. The account was closed, probably because the account balance was $0.00
`303`		Unknown account. The account could not be located or the account does not exist in the account table
`304`		Inactive account. The account has not been activated by an approved location
`308`		Already active. The card is already active and does not need to be reactivated
`311`		Not lost or stolen
`315`		Bad mag stripe. The mag stripe could not be parsed for account information
`316`		Incorrect location. There was a problem with the merchant location
`317`		Max balance exceeded. The transaction, if completed, would cause the account balance to be exceeded by the max_balance as specified in the promotion. Some merchants set the max_balance to a value twice the max transaction amount
`318`		Invalid amount. There was a problem with the amount field in the transaction format – more or less than min/max amounts specified in the promotion for that transaction
`319`		Invalid clerk. The clerk field was either missing, when required, or the content did not match the requirements
`320`		Invalid password
`321`		Invalid new password. The new password does not meet the minimum security criteria
`322`		Exceeded account reloads. The clerk/user/location was only permitted to reload some number of accounts. That number was exceeded. (See your Business Manager in order to extend this limit.)
`323`		Password retry exceeded. The user account has been frozen because the user attempted access and was denied. Seek management assistance
`326`		Incorrect transaction version or format number for POS transactions
`327`		Request not permitted by this account
`328`		Request not permitted by this merchant location
`329`		Bad_repay_date
`330`		Bad checksum. The checksum provided is incorrect
`331`		Balance not available (denial). Due to an internal Fiserv Prepaid Closed Loop issue, information from this account could not be retrieved
`332`		Account locked
`333`		No previous transaction. The void or reversal transaction could not be matched to a previous (original) transaction. In the case of a redemption, the corresponding locking transaction could not be identified
`334`		Already reversed
`336`		Bad Authorization ID. The Authorization ID test failed
`337`		Too many transactions requested
`338`		No transactions available/no more transactions available. There are no transactions for this account or there are no transactions as determined by the specified first transaction number
`339`		Transaction history not available
`340`		New password required
`341`		Invalid status change. The status change requested (e.g. lost/stolen, freeze active card) cannot be performed
`342`		Void of activation after account activity
`343`		No phone service. Attempted a calling card transaction on an account which is not configured for calling card activity
`344`		Internet access disabled
`345`		Invalid Date or Time
`350`		Additional customer authentication required or, Customer Authentication Required (Decline – Discover only)
`351`		Customer PIN authentication required
`355`		Invalid currency. The provided currency is invalid.
`356`		Currency Not Supported
`357`		Currency conversion error
`359`		The terminal transaction number did not match (on a void or reversal).
`367`		Target embossed card entered and Transaction count entered do not match
`368`		No account link
`369`		Invalid time zone
`370`		Account on hold or subscriber not active
`372`		Promo location restricted
`373`		Invalid Card Account
`374`		Product code(s) restricted
`375`		Bad Post Date. The Post Date is not a valid date.
`376`		Account status is void lock
`377`		Already active and reloadable
`378`		Account is Purged. The Account record was purged from the database.
`380`		Bulk activation error
`381`		Bulk activation un-attempted error
`382`		Bulk activation package amount error
`383`		Store location zero not allowed
`384`		Account row locked
`385`		Accepted but not yet processed
`402`		TransArmor Service Unavailable
`403`		TransArmor Invalid Token or Account Number
`404`		TransArmor Key Error
`414`		Void/Full Reversal request unable to process due to network cut-off window elapsed. A Refund transaction is necessary to reconcile the cardholder’s account. Applicable to Debit networks only.
`430`		Prepaid Card Amount Over EU AMLD (Anti-Money Laundering Directive) Limit
`500`		Decline
`501`		Date of Birth Error for Check Processing
`502`		Invalid State Code
`503`		New Account Information
`504`		Do not try again
`505`		Please retry
`506`		Invalid Checking Account Number
`507`		New Account Information available
`508`		Try again later – Declined: Association‘s payment cancellation advice code provided. Applies to recurring authorizations only. These are examples of what may have occurred: the account is over the credit limit try again in 72 hours.
`509`		Do not try again – Applies to recurring authorizations only. The card has expired
`510`		New Account Information – Applies to recurring authorizations only. The card has expired.
`511`		Try again later – Applies to recurring authorizations only. The card has expired. Get the new expiration date and try again.
`512`		Service not allowed or invalid surcharge amount
`513`		Decline. Transaction not permitted to acquirer or terminal.
`514`		Do not try again – Applies to recurring authorizations only. There was security violation.
`515`		Declined. No term record on Fiserv system
`516`		Please retry – Reasons for this error are one of the following: Format Error, Unable to route transaction, Switch or issuer unavailable, System Busy, Timeout
`517`		CVV2 Declined
`518`		Invalid account/date or sales date in future
`519`		Invalid Effective Date
`520`		Reversal Rejected. Do not try again.
`521`		Enter lesser amount
`522`		Cash Back greater than total Transaction amount
`523`		Crypto box is offline
`524`		Debit Switch unavailable Timeout Retry – Communications link to debit/EBT network gateway is down or responded with a “System Malfunction (96)” message
`525`		Debit/EBT network gateway cannot get through to the ISSUER.
`526`		Undefined Card – Debit/EBT network gateway cannot route card based on Merchant Entitlement
`527`		Network Response indicates that Merchant ID / SE is invalid
`528`		Debit/EBT transaction count exceeds pre-determined limit in specified time/ Withdrawal limit exceeded.
`529`		Resubmission of transaction violates debit/EBT network frequency
`530`		The authorizing network has a problem decrypting the cryptogram in the request
`531`		Retry with 3DS data
`532`		The DUKPT Base Derivation key is missing or incorrect in the PIN pad, PIN key synchronization error, or Master session PIN key is missing.
`533`		Invalid encryption key offset sent by merchant
`534`		Invalid master session key id sent by merchant
`539`		No Checking Account
`540`		Edit Honor
`541`		No Savings Account
`542`		DUKPT: An error while processing the PIN block that is not related to the point- of-sale equipment. Contact the Help Desk for assistance.
`550`		Invalid Vehicle
`551`		Invalid Driver
`552`		Invalid Product
`553`		Exceeds transaction total limit per product class.
`554`		Over daily limit
`555`		Invalid Date/Time
`556`		Exceeds quantity
`557`		Invalid prompt entry
`558`		Invalid Track 2 data
`559`		Voyager ID problem
`560`		Invalid Odometer
`561`		Invalid Restriction Code
`562`		Pay at pump not allowed
`563`		Over fuel limit
`564`		Over cash limit
`565`		Fuel price error
`566`		Y or N required
`567`		Over repair limit
`568`		Over additive limit
`569`		Invalid user
`570`		Before 1400 and can’t cut. Wait until 2:00 pm Eastern.
`571`		Cut time too close to 1400
`572`		Checker/Manager not found
`573`		Security insufficient
`574`		No transaction security record
`575`		Insufficient data
`576`		Merchant has mail pending
`577`		No messages pending
`578`		The Visa OCT / MasterCard MoneySend activity has exceeded preset transaction count or amount limit within a rolling 24-hour period for given merchant.
`579`		The Visa OCT / MasterCard MoneySend activity has exceeded preset transaction count or amount limit within a rolling 7-day period for given merchant.
`580`		The Visa OCT / MasterCard MoneySend activity has exceeded preset transaction count or amount limit within a rolling 30-day period for given merchant.
`581`		The Visa OCT / MasterCard MoneySend Funding activity has exceeded preset transaction count or amount limit within a rolling 24-hour period for this account number.
`582`		The Visa OCT / MasterCard MoneySend Funding activity has exceeded preset transaction count or amount limit within a rolling 7-day period for this account number.
`583`		The Visa OCT / MasterCard MoneySend Funding activity has exceeded preset transaction count or amount limit within a rolling 30-day period for this account number.
`584`		The Visa OCT / MasterCard MoneySend Payment activity has exceeded preset transaction count or amount limit within a rolling 24-hour period for this account number.
`585`		The Visa OCT / MasterCard MoneySend Payment activity has exceeded preset transaction count or amount limit within a rolling 7-day period for this account number.
`586`		The Visa OCT / MasterCard MoneySend Payment activity has exceeded preset transaction count or amount limit within a rolling 30-day period for this account number.
`587`		The single transaction amount limit was exceeded for a Visa OCT/ MasterCard MoneySend transaction for given merchant.
`588`		All Visa OCT / MasterCard MoneySend transactions are blocked for a rolling 24 hour period, or 7 day period (current and prior 6 days), or 30 day period (current and prior 29 days) for given merchant
`601`		Invalid Batch Number/ Invalid Batch ID or Invalid OpenBatch
`602`		No Open Batch
`603`		Close Unavailable
`604`		Close Not Valid
`701`		Approved EMV Key Load
`702`		EMV Key Download Error
`703`		Approved EMV Key Load, more key load data pending
`704`		Pick Up Card
`708`		Honor With Authentication
`721`		Invalid ZIP Code
`722`		Invalid value in the field / Host Totals Declined
`723`		Driver’s License or ID is Required
`724`		Referred – Not Active
`726`		Unable to Locate Record On File
`727`		Refer – Call Authorization
`728`		Referred – Skip Trace Info
`729`		Hard Negative Info On File
`731`		Rejected Lost/Stolen Checks
`740`		Totals Unavailable
`767`		Hard Capture; Pick Up
`770`		Valid account but amount not supported
`771`		Amount Too Large
`772`		Duplicate Return
`773`		Unsuccessful
`774`		Duplicate Reversal
`775`		Subsystem Unavailable
`776`		Duplicate Completion
`782`		Count Exceeds Limit
`785`		No reason to decline–applicable to $0.00 verification requests and may be returned on Online Refund responses. Should be treated as an approval.
`790`		Not approved. Used only in Visa bill/recurring payment. Merchant must not resubmit same transaction but may continue billing process in subsequent billing period.
`791`		Not approved. Used only in Visa bill/recurring payment. Merchant must stop recurring payment requests.
`792`		See attendant.
`800`		Deferred authorization not cancelled
`801`		Over merchandise limit
`802`		Imprint card
`803`		Not on file
`804`		Fuel only
`805`		Velocity exceeded
`806`		Authorization ID needed
`807`		Over non-fuel limit
`808`		Invalid location
`809`		Over card velocity count
`810`		Over card velocity amount
`811`		Over issuer velocity count
`812`		Over issuer velocity amount
`813`		Over merchant daily velocity count
`814`		Over merchant daily velocity amount
`815`		Over merchant daily velocity both
`816`		Over merchant product velocity amount
`817`		Over merchant product velocity count
`818`		Over merchant product velocity both
`819`		Over chain daily velocity count
`820`		Over chain daily velocity amount
`821`		Over chain daily velocity both
`822`		Over chain product velocity count
`823`		Over chain product velocity both
`824`		Over chain product velocity amount
`825`		No chain ID for chain merchant
`826`		Signature required
`827`		Velocity exception error – pay inside
`828`		Exceeds merchant count for period – pay inside
`829`		Exceeds merchant amount for period – pay inside
`830`		Exceeds merchant count and amount for period – pay inside
`831`		Exceeds zip code count for period – pay inside
`832`		Exceeds zip code amount for period – pay inside
`833`		Exceeds zip code count and amount for period – pay inside
`834`		Exceeds state count for period – pay inside
`835`		Exceeds state amount for period – pay inside
`836`		Exceeds state count and amount for period – pay inside
`837`		Exceeds global count for period – pay inside
`838`		Exceeds global amount for period – pay inside
`839`		Exceeds global count and amount for period – pay inside
`840`		Unknown velocity error – pay inside
`902`		Invalid transaction. This merchant, card or terminal is not permitted to perform this transaction, or the transaction type is invalid, or Fiserv is unable to route a refund request to the network, or there is an issue with the xml message. If a 902 is returned when submitting a completion for the second time, the first completion submitted has been successfully applied, even if the device did not receive a response in the first completion.
`903`		Invalid Reversal Transaction – transaction already settled
`904`		Format error.
`905`		Unsupported message. Transaction was rejected. Call your helpdesk or operations support.
`906`		System Error. There is a problem with the host processing system. Call your helpdesk or operations support.
`907`		Card issuer or switch inoperative or processor not available
`908`		Transaction destination not found for routing.
`909`		System malfunction or timeout
`911`		Card issuer timed out.
`913`		Duplicate transaction.
`914`		Void/Full Reversal request unable to process due to settlement already occurred. A Refund transaction may be necessary to reconcile the cardholder’s account.
`915`		Timeout Reversal not supported. Resend the original transaction with the same Reference Number that timed out. Do not retry the timeout reversal
`916`		Void/Full Reversal request unable to process since the Original Authorization was not found.
`920`		Security H/W or S/W error – try again
`921`		Security H/W or S/W error – no action
`923`		Request in progress
`924`		Limit check failed
`940`		Error.
`941`		Invalid issuer.
`942`		Customer cancellation
`944`		Invalid response
`950`		Violation of business arrangement
`954`		CCV failed.
`958`		CCV2 failed
`959`		CAV failed
`963`		Acquirer channel unavailable

loopback

Code	Label	Meaning
`200`	AUTH DECLINED	Simulated host error 200, returned by the loopback sandbox processor as result code Decline.
`201`	CALL VOICE OPER	Simulated host error 201, returned by the loopback sandbox processor as result code Referral.
`202`	HOLD - CALL	Simulated host error 202, returned by the loopback sandbox processor as result code Referral.
`203`	CALL VOICE OPER	Simulated host error 203, returned by the loopback sandbox processor as result code Referral.
`204`	INVALID CARD NO	Simulated host error 204, returned by the loopback sandbox processor as result code InvalidAccountNumber.
`205`	INVALID EXP DATE	Simulated host error 205, returned by the loopback sandbox processor as result code InvalidExpirationDate.
`206`	INVALID ICA NO	Simulated host error 206, returned by the loopback sandbox processor as result code InvalidMerchantInfo.
`207`	INVALID ABA NO	Simulated host error 207, returned by the loopback sandbox processor as result code InvalidAbaNumber.
`208`	INVALID PIN NO	Simulated host error 208, returned by the loopback sandbox processor as result code FieldFormatError.
`209`	INVALID BANK MID	Simulated host error 209, returned by the loopback sandbox processor as result code InvalidMerchantInfo.
`210`	INVALID TERM NO	Simulated host error 210, returned by the loopback sandbox processor as result code InvalidRegisterInfo.
`211`	INVALID AMOUNT	Simulated host error 211, returned by the loopback sandbox processor as result code InvalidAmount.
`212`	INVALID STATE CD	Simulated host error 212, returned by the loopback sandbox processor as result code FieldFormatError.
`213`	DECLINE	Simulated host error 213, returned by the loopback sandbox processor as result code Decline.
`214`	CALL VOICE OPER	Simulated host error 214, returned by the loopback sandbox processor as result code Referral.
`215`	LOST/STOLEN CARD	Simulated host error 215, returned by the loopback sandbox processor as result code Decline.
`216`	INVALID PIN	Simulated host error 216, returned by the loopback sandbox processor as result code FieldFormatError.
`217`	OVER CREDIT FLR	Simulated host error 217, returned by the loopback sandbox processor as result code InsufficientFundsAvailable.
`218`	REQUEST DENIED / DECLINED PER CARDHOLDER	Simulated host error 218, returned by the loopback sandbox processor as result code Reject or Decline.
`220`	NOT ONLINE TO ??	Simulated host error 220, returned by the loopback sandbox processor as result code GeneralError.
`319`	INVALID AMOUNT	Simulated host error 319, returned by the loopback sandbox processor as result code InvalidAmount.
`R01`	Insufficient Funds	NACHA return R01: Insufficient Funds. Returned on the loopback sandbox ACH rail by an amount trigger, or by the loopback.achReturnCode control field.
`R02`	Account Closed	NACHA return R02: Account Closed. Returned on the loopback sandbox ACH rail by an amount trigger, or by the loopback.achReturnCode control field.
`R03`	No Account / Unable to Locate Account	NACHA return R03: No Account / Unable to Locate Account. Returned on the loopback sandbox ACH rail by an amount trigger, or by the loopback.achReturnCode control field.
`R04`	Invalid Account Number	NACHA return R04: Invalid Account Number. Returned on the loopback sandbox ACH rail by an amount trigger, or by the loopback.achReturnCode control field.
`R05`	Unauthorized Consumer Debit using Corporate SEC Code Entry	NACHA return R05: Unauthorized Consumer Debit using Corporate SEC Code Entry. Returned on the loopback sandbox ACH rail by the loopback.achReturnCode control field.
`R06`	Returned per ODFI Request	NACHA return R06: Returned per ODFI Request. Returned on the loopback sandbox ACH rail by the loopback.achReturnCode control field.
`R07`	Authorization Revoked by Customer	NACHA return R07: Authorization Revoked by Customer. Returned on the loopback sandbox ACH rail by an amount trigger, or by the loopback.achReturnCode control field.
`R08`	Payment Stopped	NACHA return R08: Payment Stopped. Returned on the loopback sandbox ACH rail by an amount trigger, or by the loopback.achReturnCode control field.
`R09`	Uncollected Funds	NACHA return R09: Uncollected Funds. Returned on the loopback sandbox ACH rail by the loopback.achReturnCode control field.
`R10`	Customer Advises Unauthorized	NACHA return R10: Customer Advises Unauthorized. Returned on the loopback sandbox ACH rail by an amount trigger, or by the loopback.achReturnCode control field.
`R11`	Customer Advises Entry Not in Accordance With Authorization	NACHA return R11: Customer Advises Entry Not in Accordance With Authorization. Returned on the loopback sandbox ACH rail by the loopback.achReturnCode control field.
`R12`	Branch Sold to Another DFI	NACHA return R12: Branch Sold to Another DFI. Returned on the loopback sandbox ACH rail by the loopback.achReturnCode control field.
`R13`	RDFI Not Qualified to Participate	NACHA return R13: RDFI Not Qualified to Participate. Returned on the loopback sandbox ACH rail by the loopback.achReturnCode control field.
`R14`	Representative Payee Deceased or Unable to Continue	NACHA return R14: Representative Payee Deceased or Unable to Continue. Returned on the loopback sandbox ACH rail by the loopback.achReturnCode control field.
`R15`	Beneficiary or Account Holder Deceased	NACHA return R15: Beneficiary or Account Holder Deceased. Returned on the loopback sandbox ACH rail by the loopback.achReturnCode control field.
`R16`	Account Frozen	NACHA return R16: Account Frozen. Returned on the loopback sandbox ACH rail by an amount trigger, or by the loopback.achReturnCode control field.
`R17`	File Record Edit Criteria	NACHA return R17: File Record Edit Criteria. Returned on the loopback sandbox ACH rail by the loopback.achReturnCode control field.
`R20`	Non-Transaction Account	NACHA return R20: Non-Transaction Account. Returned on the loopback sandbox ACH rail by an amount trigger, or by the loopback.achReturnCode control field.
`R21`	Invalid Company Identification	NACHA return R21: Invalid Company Identification. Returned on the loopback sandbox ACH rail by the loopback.achReturnCode control field.
`R22`	Invalid Individual ID Number	NACHA return R22: Invalid Individual ID Number. Returned on the loopback sandbox ACH rail by the loopback.achReturnCode control field.
`R23`	Credit Entry Refused by Receiver	NACHA return R23: Credit Entry Refused by Receiver. Returned on the loopback sandbox ACH rail by the loopback.achReturnCode control field.
`R24`	Duplicate Entry	NACHA return R24: Duplicate Entry. Returned on the loopback sandbox ACH rail by the loopback.achReturnCode control field.
`R29`	Corporate Customer Advises Not Authorized	NACHA return R29: Corporate Customer Advises Not Authorized. Returned on the loopback sandbox ACH rail by the loopback.achReturnCode control field.
`R31`	Permissible Return Entry	NACHA return R31: Permissible Return Entry. Returned on the loopback sandbox ACH rail by the loopback.achReturnCode control field.
`R33`	Return of XCK Entry	NACHA return R33: Return of XCK Entry. Returned on the loopback sandbox ACH rail by the loopback.achReturnCode control field.

A code missing from this page is still a real answer from the processor. It means this reference hasn't been extended to cover it yet, so treat the transaction's own result and message as authoritative, and report the gap.