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 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:

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