Response codes

All transactions are valid for 30 minutes. Any response received after 30 minutes should be considered final.

Response Codes and Transaction Status

Response codes may change as a transaction progresses, as customers can retry the transaction until it expires. However, the final response code will indicate whether the transaction was successful, failed, or expired.

Webhooks

For webhook responses, the event type TRANSACTION.COMPLETED indicates a final webhook event for a particular transaction. No further updates will be sent for that transaction.

Response DescriptionResponse CodeStatus
Final Response Codes(customer cannot retry)
Approved by Financial Institution, Partial10Successful
Approved by Financial Institution, VIP11Successful
Approved by Financial Institution00Successful
Transaction In Progress09Pending
Customer CancellationZ6Cancelled
Other Responses
Approved by Financial Institution00
Refer to Financial Institution01
Refer to Financial Institution, Special Condition02
Invalid Merchant03
pick-Up card04
Don Not Honor05
Error06
Pick-Up Card, Special Condition07
Honor with Identification08
Request In Progress09
Partially Approved by Financial Institution10
Approved by Financial Institution, VIP11
Invalid Transaction12
Invalid Amount13
Invalid Card Number14
No Such Financial Institution15
Approved by Financial Institution, Update Track 316
Customer Cancellation17
Customer Dispute18
Re-enter Transaction19
Invalid Response From Financial Institution20
No Action Taken by Financial Institution21
Suspected Malfunction22
Unacceptable Transaction Fee23
File Update not Supported24
Unable to Locate Record25
Duplicate Record26
First Update File Edit Error27
File Update File Locked28
File Update Failed30
Format Error30
Bank Not Supported31
Completed Partially by Financial32
Expired Card, Pick-Up33
Suspected Fraud, Pick-Up34
Restricted Card, Pick-Up36
Incorrect Security Details Provided. PIN Tries Exceeded, Pick-Up38
No Credit Account39
Function not Supported40
Lost Card, Pick-Up41
No Universal Account42
Stolen Card, Pick-Up Stolen Card, Pick-Up43
No Investment Account44
Declined by Bank for custom reasons45
Declined by Bank for custom reasons46
Declined by Bank for custom reasons47
No customer record48
Insufficient Funds51
No Check Account52
No Savings Account53
Expired Card54
Incorrect PIN55
No Card Record56
Transaction not Permitted to Cardholder57
Transaction not Permitted on Terminal58
Suspected Fraud59
Contact Acquirer60
Exceeds Withdrawal Limit61
Restricted Card62
Security Violation63
Original Amount Incorrect64
Exceeds withdrawal frequency65
Call Acquirer Security66
Hard Capture67
Response Received Too Late68
Incorrect Security Details Provided. PIN tries exceeded75
Reserved for Future Postilion Use76
Intervene, Bank Approval Required77
Intervene, Bank Approval Required for Partial Amount78
Invalid Digital Signature79
Declined by Bank for custom reasons81
Declined by Bank for custom reasons82
Declined by Bank for custom reasons83
Declined by Bank for custom reasons86
Information not on file88
Declined by Bank for custom reasons89
Cut-off in Progress90
Issuer or Switch Inoperative91
Routing Error92
Violation of law93
Duplicate Transaction94
Reconcile Error95
System Malfunction96
Declined by Bank for custom reasons97
Exceeds Cash Limit98
Declined by Bank for custom reasons99
Unexpected ErrorA0
Transaction not Permitted to Card Holder, via channelsA4
Stock has finishedA8
Incorrect Phone NumberA9
An unknown error has occurred, please contact system administrator.E21
Interswitch processing errorE42
Interswitch processing errorE53
Interswitch processing errorE60
Declined by Bank for custom reasonsF4
Declined by Bank for custom reasonsF5
Declined by Bank for custom reasonsG3
Declined by Bank for custom reasonsG4
Declined by Bank for custom reasonsH4
Time Out calling postilion serviceS0
Fraud Service Declined TransactionS3
Error processing transactionSK
Exceeds Maximum Amount AllowedX03
Minimum Amount for Payment Item Not MetX04
The Amount Requested is above the Limit permitted by your Bank, please contact your BankX05
Cannot Retrieve Collections AccountXGO
Successfully Retrieved Collections AccountXG1
Exceeded time period to complete transactionXS1
Error processing transactionXX
Transaction Not CompletedZ0
Transaction ErrorZ1
Bank Account ErrorZ2
Bank Collections Account ErrorZ3
Interface Integration ErrorZ4
Duplicate Reference ErrorZ5
Incomplete TransactionZ6
Transaction Split Pre-Processing ErrorZ7
Invalid Card Number, via ChannelsZ8
Transaction not FoundZ25
Recurrent transaction rate limit exceededZ162
Payment Requires TokenZ61
Request to Generate Token is SuccessfulZ62
Token Not Generated. Customer Not Registered on Token PlatformZ63
Error Occurred. Could Not Generate TokenZ64
Payment Requires Token AuthorizationZ65
Token Authorization SuccessfulZ66
Token Authorization Not Successful. Incorrect Token SuppliedZ67
Error Occurred. Could Not Authenticate TokenZ68
Customer Cancellation Secure3DZ69
Cardinal Authentication RequiredZ70
Cardinal Lookup SuccessfulZ71
Cardinal Lookup FailedZ72
Cardinal Authenticate SuccessfulZ73
Cardinal Authenticate FailedZ74
Wibmo Lookup SuccessfulZ76
Wibmo Lookup FailedZ77
Error calling Cybersource ServiceZ80
Bin has not been configuredZ81
Merchant not configured for BINZ82
This is a http response that is returned on the API for different reasons(e.g; "Bad Request", "Card has expired", Correct pin not found, etc10400
This is a http response that is returned on the API for different reasons10403
This is a http response that is returned on the API for different reasons10500
Cardholder not enrolled for OTPM0
Payment requires authenticationT0
No Response received for 3DS authT1

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.