Response codes

Transactions are valid for 30mins. Any response you get after 30 mins should be considered the final response.
However, customers can retry the same transaction till it expires, so response codes can change till the transaction is successful, fails, or it expires.

For webhook responses, the event type TRANSACTION.COMPLETED is used to indicate a final webhook event where no further updates would be sent for a particular transaction.

Response Description

Response Code

Status

Final Response Codes(customer cannot retry)

Approved by Financial Institution, Partial

10

Successful

Approved by Financial Institution, VIP

11

Successful

Approved by Financial Institution

00

Successful

Transaction In Progress

09

Pending

Other Responses

Account error, please contact your bank

X00

The amount requested is above the limit permitted by your bank, please contact your bank

X03

The amount requested is too low

X04

The amount requested is above the limit permitted by your bank, please contact your bank

X05

The card number inputted is invalid, please re-try with a valid card number

14

Incorrect Security details provided. Pin tries exceeded.

38

Incorrect Security details provided

55

Incorrect card details, please verify that the expiry date inputted is correct.

56

Your bank has prevented your card from carrying out this transaction, please contact your bank

57

Your bank has prevented your card from carrying out this transaction, please contact your bank

61

Incorrect security details provided. Pin tries exceeded.

75

Refer to Financial Institution.

01

Refer to Financial Institution, Special Condition

02

Invalid Merchant

03

Pick-up Card

04

Do not honor

05

Error

06

Pick-up Card, Special Condition

07

Honor with identification

08

Request in Progress

09

Invalid Transaction

12

Invalid Amount

13

No Such Financial Institution

15

Approved by Financial Institution, Update Track 3

16

Customer Cancellation

17

Customer Dispute

18

Re-enter Transaction

19

Invalid Response from Financial Institution

20

No Action Taken by Financial Institution

21

Suspected Malfunction

22

Unacceptable Transaction Fee

23

File Update not Supported

24

Duplicate Record

26

File Update File Edit Error

27

File Update File Locked

28

File Update Failed

29

Format Error

30

Bank Not Supported

31

Completed Partially by Financial

32

Institution Expired Card, Pick-Up

33

Suspected Fraud, Pick-Up

34

Contact Acquirer, Pick-Up

35

Restricted Card, Pick-Up

36

Call Acquirer Security, Pick-Up

37

PIN Tries Exceeded, Pick-Up

38

No Credit Account

39

Function not supported

40

Lost Card, Pick-Up

41

No Universal Account

42

No Investment Account

44

Insufficient Funds

51

No Check Account

52

No Savings Account

53

Expired Card

54

Incorrect PIN

55

No Card Record

56

Suspected Fraud

59

Contact Acquirer

60

Restricted Card

62

Security Violation

63

Original Amount Incorrect

64

Exceeds withdrawal frequency

65

Call Acquirer Security

66

Hard Capture

67

Response Received Too Late

68

PIN tries exceeded

75

Intervene, Bank Approval Required

77

Intervene, Bank Approval Required for Partial Amount

78

Cut-off in Progress

90

Issuer or Switch Inoperative

91

Routing Error

92

Violation of law

93

Duplicate Transaction

94

Reconcile Error

95

System Malfunction

96

Exceeds Cash Limit

98

Unexpected error

A0

Transaction not permitted to card holder, via channels

A4

Transaction Error

Z1

Bank account error

Z2

Bank collections account error

Z3

Interface Integration Error

Z4

Duplicate Reference Error

Z5

Incomplete Transaction

Z6

Transaction Split Pre-processing Error

Z7

Invalid Card Number, via channels

Z8

Transaction not permitted to card holder, via channels

Z9

Transaction not found

Z25

Payment Requires Token

Z61

Request to Generate Token is Successful

Z62

Token Not Generated. Customer Not Registered on Token Platform

Z63

Error Occurred. Could Not Generate Token

Z64

Payment Requires Token Authorization

Z65

Token Authorization Successful

Z66

Token Authorization Not Successful. Incorrect Token Supplied

Z67

Error Occurred. Could Not Authenticate Token

Z68

Customer Cancellation Secure3D

Z69

Cardinal Authentication Required

Z70

Cardinal Lookup Successful

Z71

Cardinal Lookup Failed

Z72

Cardinal Authenticate Successful

Z73

Cardinal Authenticate Failed

Z74

Error calling Cybersource Service

Z80

Bin has not been configured

Z81

Merchant not configured for bin

Z82

Pending

Transaction Status Unconfrimed

Z0

Pending


Refund API Response Codes

Please refer to the standard HTTP response codes. Where anything starting with 2XX signifies approved, 4XX means client error and 5XX indicates server error. When the response codes start with 4XX or 5XX, an error object will be returned to explain further the reason for this failure. Find common response codes and their descriptions below:

CodeDescription
60002Refund amount greater than transaction amount
10400Error creating refund: This refund reference has already been used.
10500Error processing request, please try again.
404Transaction not found for merchant
400Error creating refund: refund amount greater than transaction amount
500Could not validate refund.

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