Response Codes

E Pins Response Codes

Response CodeResponse Message
VS001VOUCHER_NOT_FOUND
VS002REDEMPTION_QUANTITY_EXCEEDED
VS003VOUCHER_IS_USED
VS004REDEMPTION_AMOUNT_EXCEEDED
VS006UNRECOGNISED_VOUCHER
VS018ACCESS_DENIED
VS020VOUCHER_NOT_STARTED
VS021NOT_AUTHORIZE_TO_REDEEM_VOUCHER

Other Response Codes

Below is a list of responses you can get from Value Added Services and their explanations:

CodeDescriptionResolution
Success Response Codes
90010Approved by Financial Institution, PartialThe transaction has been completed successfully.
90011Approved by Financial Institution, VIPThe transaction has been completed successfully.
90016Approved by Financial Institution, Update Track 3The transaction has been completed successfully.
90000SuccessfulTransaction Successful
Failed Statuses
10002Invalid RequestCheck your request xml to verify you are sending valid request xml.
10003UnauthorizedPlease provide valid details and try again later. Please contact Interswitch.
10010Partner not setup/Incorrect entity codeThe Institution/Biller/Entity Code in your request message has not been configured on Quick Teller.
10011Service Method not foundIt simply means the api service endpoint name with Id returned has not been setup in DB via quickteller-paydirect console.
10020Partner not properly configuredPartner/Biller has not been properly configured on Quick Teller. Please contact Interswitch.
10021Non bank partner account details not configured
10022Partner sponsor bank not properly configured
10030Partner deactivatedPartner/Biller has been deactivated on Quick Teller. Please contact Interswitch.
10040Wrong IP address
10050Session key invalid or not setup
10060Invalid encryption type
10070Could not retrieve RSA private key
10080Invalid session key length
10081Invalid session IV length
10090Cannot decrypt session key
10091Cannot decrypt session IV
10100Cannot retrieve partner security details
10200Disabled or deactivated via configuration
20010Xml Node MissingSomething is missing in your request message. Please check the response xml.
20020Xml Node Value EmptyYou have sent an empty xml node. Please check the response xml.
20021TerminalId/ClientIdTerminalId/ClientId is required
20030Xml Node Value not validPlease check the response xml for the invalid value in your request message.
20040Invalid data type, date expectedYou have sent an invalid date format, please check the request xml.
20041Invalid data type, numeric expectedYou have sent an invalid data, please check the response xml.
20050Message integrity validation failedPlease check to correct your MAC and resend the transaction.
20060Entity Location not enabled for cash payoutPlease other locations enabled for payout and resend transaction.
20061Entity Location is DisabledPlease contact Interswitch.
20062Entity is DisabledPlease contact Interswitch.
30010Transaction not foundThe Transaction does not exist in Quick Teller. Please contact Interswitch.
30020Duplicate Transfer CodeThe transfer code exists in Quick Teller, please try another transfer code.
30030Bank authorization neededThe transfer code exists in Quick Teller, please try another transfer code
40010ATM cash out payments must be in multiples of 1000Please change the amount to multiples of 1000 and resend the transaction.
40020ATM cash out payment has exceeded the maximum allowed valuePlease try cash out the next day.
40030Maximum Transfer Limit Exceeded
40040Non Standard Id Transfe Limit Exceeded
40050SVA Withdrawal Failed
40060Invalid Cancellation Request_Transfer Has Been Completed
40100Failed Account Name Inquiry
50010Invalid cancellation request – Transfer has been completedYou cannot cancel the transfer because it has been cashed out.
60001User not found.The user does not exist in Quick Teller. Please contact Interswitch.
60002Username and/or password incorrectPlease provide correct username/ password and try again.
60003Security token invalid or expired.Please use a valid or active security token.
60004Login Problem
60005Invalid Current Password
60010Password does not meet complexity requirements.Please use a complex password and try again.
60011Duplicate UsernameThe username exists in Quick Teller, please try another username.
60012Password does not meet history requirementsPlease try a password that meets history requirements or contact Interswitch.
60020Invalid Activation TokenPlease use a valid or active activation token.
60021Account Already Activated
60022Account Not Activated
60023Mobile Number Already Verified
60030Passwords do not matchPlease provide match passwords and try again.
60031Password change failedPlease provide match passwords and try again.
60038Phone Number Already In Use by Another User
60039Different Phone Number Already Verified For User
60040No Pending Verification For User
60041Different Email Already Verified For User
60042Email Already In Use By Another User
60043Data Security Violation
60044Referral Existing For User
70003Invalid Client Version Number
70004Terminal Version Mismatch
70005Empty Client Version Number
70006Invalid Terminal Version Number
70007Bank not enabled for transferThis means the bank has not been enabled as a transfer destination bank
70008Biller Temporarily Not Available
70009Biller Already Exist For Paydirect Product
70010Biller not foundPlease provide correct biller code in your request xml and try again.
70011Unrecognized cardYour card has not been configured on Interswitch Pay Direct. Please contact Interswitch.
70012Unrecognized terminal ownerYour terminal has not been configured on Quick Teller. Please contact Interswitch.
70013Unrecognized customerThe customer does not exist please try another. You can contact Interswitch if you think the customer is valid.
70014Unrecognized payment channelThe payment channel does not exist or is invalid, check this document for a valid payment channel code. You can contact Interswitch if you think the code is valid.
70015Collections account not setupA collections account has not been setup. Please contact Interswitch.
70016Collections account type not setThe collections account type must be set, please check and try again. You can contact Interswitch if you have set the account type and still got this error.
70017Payment type code not recognizedYou have supplied an invalid payment type code. Please check to correct and try again.
70116Bills Stream Code Already Used
70117Customer Is Tied To Different Payment Item
70018Transaction Reference not foundPlease provide correct Transaction Reference in your request xml and try again.
70019Failed to send payment downstreamPlease contact Interswitch.
70020Collecting bank settings not configuredPlease contact Interswitch.
70021Lead Bank not found or setupPlease contact Interswitch.
70022Advice previously received and processed successfullyTry Query Transaction method to see the details of your transaction.
70023Biller already associated with customerPlease contact Interswitch.
70024Application settings not found or configured properlyPlease contact Interswitch.
70025Bank not setup or enabled for bill paymentPlease contact Interswitch.
70026Biller not enabled for channelPlease contact Interswitch.
70027Bank not enabled for billerPlease contact Interswitch.
70028Terminal owner not enabled for billerPlease contact Interswitch.
70029Terminal owner not enabled for channelPlease contact Interswitch.
70030Terminal owner not setup or enabled for bill paymentPlease contact Interswitch.
70031Unrecognized CBN Bank CodePlease contact Interswitch.
70032Certificate identity errorEnsure the identity of your certificate is the same as the public key provided to Interswitch. If problem persist, please contact Interswitch.
70033Certificate not recognised/setup in QuickTellerPlease contact Interswitch.
70034Certificate terminal owner mismatchPlease contact Interswitch.
70035Access to method call is deniedPlease contact Interswitch.
70036Terminal owner not associated with a funds transfer institutionPlease contact Interswitch.
70037Fees not setupPlease contact Interswitch.
70038Data not foundThe data you queried for does not exist. Please check to confirm and try again or contact Interswitch.
70039Transaction set not allowedPlease contact Interswitch.
70040Financial Transactional card has not been configuredPlease contact Interswitch.
70041Expired TransactionPlease contact Interswitch.
70042Full PaymentPlease contact Interswitch.
70043Amount Too Low
70044Amount Too High
70045Request time outPlease retry again later.
70046Invalid Request XML
70047Failed Additional Data Validation
70048Failed Pre Validation Check
70049Pan or Cbn Code Require On Inquiry
70050Terminal Owner Retail Pay Details Not Configured
70051Terminal Owner Retail Pay Master key Not Configured
70052RetailPay Invalid Login
70053RetailPay Invalid Request
70054RetailPay Host Unreachable
70055RetailPay Invalid Dealer Code
70056RetailPay Invalid Phone Number
70057RetailPay Out of Stock
70058RetailPay Invalid Product Code
70059RetailPay Failed
70060RetailPay Session Key Invalid
70061RetailPay Insufficent Funds
70062RetailPay Invalid Amount
70063RetailPay Bad Public Key
70064RetailPay Telco Timeout
70065InvalidAmount
70066InvalidMinimumAmount
70067InvalidGreaterThanMinimumAmount
70068InvalidMaximumAmount
70069InvalidLessThanMaximumAmount
70070InvalidExactAmount
70071InvalidCustomerId
70128Sva Terminal Owner Not Setup For Biller
70129Terminal Owner Card Acceptor Id Not Configured
70130Payment Amount Higher Than Due Amount
70131Invalid Bank Account numberMeans the bank account is either invalid (i.e. contains special character like space, _, -, $ etc. ) or the account number is not a valid Nuban account number.
70132Invalid Mobile NumberIt means the mobile number is not all digits i.e it contains special character like spaces, – etc.
71001QtCheckout Invalid URL
71002QtCheckout Different Domain URL
71003QtCheckout Cancelled by User
71004QtCheckout Missing Client ID
71005QtCheckout Invalid Model
71006QtCheckout No Item For Payment Code
71007QtCheckout No Biller For Payment Code
71008QtCheckout Merchant Not Setup
71009QtCheckout Biller Not Enabled For Channel
71010QtCheckout Redirect URL Not Valid
71011QtCheckout Invalid Entries
71012QtCheckout Quickteller Inquiry Failed
71013QtCheckout Invalid State Data
71014QtCheckout Passport Authorization Error
71015QtCheckout Null Passport Model
71016QtCheckout Failed Webpay Transaction
71017QtCheckout Invalid Corrective Input
72001Promo Maximum Wins Exceeded For User
72002Promo Maximum Wins Exeeded
72003Promo Data Not Found
72004Promo Item Not Found
72005Promo Request In Progress
72006Promo_Restricted
73001Payphone Failed To Get Card Details
73002Payphone Failed To Get ECash Balance
73003Payphone Failed To Create ECash Account
73004Payphone ECash Account Not Found For User
75064Remittance Validation Error – Check Account Number
75065Remittance Validation Unknown Name Enquiry Error
75066Remittance Validation Amount Mismatch
75067Remittance Validation Sender Surname mismatch
75068Remittance Validation Receiver Firstname Mismatch
75069Remittance Validation Sender Surname mismatch
75070Remittance Validation Receiver Firstname Mismatch
75071Remittance Validation Sender Country Mismatch
75072Remittance Validation Pickup Validation Error
75073Remittance Validation Pickup Receive Error
75074Remittance Validation General Error Unknown Code Received
75076Remittance Validation Dormant Account
75077Remittance Validation General Error Invalid Channel Code
75078Remittance Validation General Error – Invalid Currency
78012Remote Host Unreachable Or Network Problem
78013Advice Not Permitted To TermialOwner
80010Biller Verification_Not In PAYDirect
80020Biller Verification_In PAYDirect But NotQuickTeller
80030Schedule Verification_No Rows Found
80031Schedule Verification_Row Error Found
80032Schedule Verification_Failed Schedule Exists
80033Schedule Verification_UnKnown Error
90001Session Key Missing
70060RetailPay Session Key Invalid
70061RetailPay Insufficent Funds
70062RetailPay Invalid Amount
70063RetailPay Bad Public Key
70064RetailPay Telco Timeout
70065InvalidAmount
70066InvalidMinimumAmount
70067InvalidGreaterThanMinimumAmount
70068InvalidMaximumAmount
70069InvalidLessThanMaximumAmount
70070InvalidExactAmount
70071InvalidCustomerId
70128Sva Terminal Owner Not Setup For Biller
70129Terminal Owner Card Acceptor Id Not Configured
70130Payment Amount Higher Than Due Amount
70131Invalid Bank Account numberMeans the bank account is either invalid (i.e. contains special character like space, _, -, $ etc. ) or the account number is not a valid Nuban account number.
70132Invalid Mobile NumberIt means the mobile number is not all digits i.e it contains special character like spaces, – etc.
71001QtCheckout Invalid URL
71002QtCheckout Different Domain URL
71003QtCheckout Cancelled by User
71004QtCheckout Missing Client ID
71005QtCheckout Invalid Model
71006QtCheckout No Item For Payment Code
71007QtCheckout No Biller For Payment Code
71008QtCheckout Merchant Not Setup
71009QtCheckout Biller Not Enabled For Channel
71010QtCheckout Redirect URL Not Valid
71011QtCheckout Invalid Entries
71012QtCheckout Quickteller Inquiry Failed
71013QtCheckout Invalid State Data
71014QtCheckout Passport Authorization Error
71015QtCheckout Null Passport Model
71016QtCheckout Failed Webpay Transaction
71017QtCheckout Invalid Corrective Input
72001Promo Maximum Wins Exceeded For User
72002Promo Maximum Wins Exeeded
72003Promo Data Not Found
72004Promo Item Not Found
72005Promo Request In Progress
72006Promo_Restricted
73001Payphone Failed To Get Card Details
73002Payphone Failed To Get ECash Balance
73003Payphone Failed To Create ECash Account
73004Payphone ECash Account Not Found For User
75064Remittance Validation Error – Check Account Number
75065Remittance Validation Unknown Name Enquiry Error
75066Remittance Validation Amount Mismatch
75067Remittance Validation Sender Surname mismatch
75068Remittance Validation Receiver Firstname Mismatch
75069Remittance Validation Sender Surname mismatch
75070Remittance Validation Receiver Firstname Mismatch
75071Remittance Validation Sender Country Mismatch
75072Remittance Validation Pickup Validation Error
75073Remittance Validation Pickup Receive Error
75074Remittance Validation General Error Unknown Code Received
75076Remittance Validation Dormant Account
75077Remittance Validation General Error Invalid Channel Code
75078Remittance Validation General Error – Invalid Currency
78012Remote Host Unreachable Or Network Problem
78013Advice Not Permitted To TermialOwner
80010Biller Verification_Not In PAYDirect
80020Biller Verification_In PAYDirect But NotQuickTeller
80030Schedule Verification_No Rows Found
80031Schedule Verification_Row Error Found
80032Schedule Verification_Failed Schedule Exists
80033Schedule Verification_UnKnown Error
90001Refer to IssuerDeclined by your card bank
90002Refer to Financial Institution, Special ConditionPlease try again later.
90005Do not honor
90006/06Error
90012Invalid TransactionIf this is your first time, you may have to change your PIN.
90013Invalid AmountPlease supply valid amount and try again.
90014Invalid Card NumberPlease supply valid card number and try again.
90015No Such Financial InstitutionPlease supply an existing/valid financial institution and try again.
90017Customer CancellationPlease contact Interswitch.
90018Customer DisputePlease contact Interswitch.
90019Re-enter TransactionPlease try again later.
90020Invalid Response from Financial InstitutionPlease contact the financial institution.
90021No Action Taken by Financial InstitutionPlease contact the financial institution or Interswitch.
90022Suspected MalfunctionTry again later. If the error persists, please contact Interswitch.
90023Unacceptable Transaction FeePlease supply an acceptable transaction fee and try again.
90024File Update not SupportedThis feature is not supported. Please contact Interswitch.
90025/25Unable to Locate RecordRecord does not exist. You may contact Interswitch.
90026Duplicate RecordPlease try again with a new record.
90027File Update Field Edit ErrorPlease rectify the error and try again. If the error persists, please contact Interswitch.
90028File Update File LockedPlease try again later with a new record. Please contact Interswitch.
90029File Update FailedPlease contact Interswitch.
90030Format ErrorPlease change the format or contact Interswitch.
90031Bank Not SupportedPlease contact the bank or Interswitch.
90032Completed Partially by Financial InstitutionPlease contact the bank or Interswitch.
90033Expired Card, Pick-UpPlease contact your bank.
90034Suspected Fraud, Pick-UpPlease contact your bank.
90035Contact Acquirer, Pick-UpPlease contact your bank.
90036Restricted Card, Pick-UpPlease contact your bank.
90037Call Acquirer Security, Pick-UpPlease contact your bank.
90038PIN Tries Exceeded, Pick-UpPlease contact your bank.
90039No Credit AccountPlease contact your bank.
90040Function not SupportedPlease contact your bank or Interswitch.
80032Schedule Verification_Failed Schedule Exists
80033Schedule Verification_UnKnown Error
90041Lost Card, Pick-UpPlease contact your bank.
90042No Universal AccountPlease try again with a valid account or contact your bank.
90043Stolen Card, Pick-UpPlease contact your bank
90044No Investment AccountPlease try again with a valid account or contact your bank.
90051Insufficient FundsPlease contact your bank.
90052No Check AccountPlease try again with a valid account or contact your bank.
90053No Savings AccountPlease try again with a valid account or contact your bank.
90054Expired CardPlease contact your bank.
90055Incorrect PINlease try again with correct PIN.
90056No Card RecordPlease try again with a valid card or contact your bank.
90057Transaction not Permitted to CardholderPlease contact your bank
90058Transaction not Permitted on TerminalPlease contact Interswitch.
90059Suspected FraudPlease contact your bank.
90060Contact AcquirerYour transaction has been declined by your bank. Please contact your bank.
90061Exceeds Withdrawal LimitPlease contact your bank.
90062Restricted CardPlease contact your bank.
90063Security ViolationPlease contact your bank.
90064Original Amount IncorrectPlease enter correct original amount and try again.
90065Exceeds withdrawal frequencyPlease try again later or contact your bank.
90066Call Acquirer SecurityPlease contact the Acquirer or Interswitch.
90067Hard CapturePlease contact Interswitch.
90068Response Received Too LatePlease try again later or contact your bank.
90075PIN tries exceededPlease contact your bank.
90076Reserved for Future Postilion UsePlease contact Interswitch.
90077Intervene, Bank Approval RequiredPlease contact the bank.
90078Intervene, Bank Approval Required for Partial AmountPlease contact the bank
90083FAILEDPlease try again, if the problem persist contact Interswitch.
90090Cut-off in ProgressThe financial Institution is not available, please try again later.
90091/91Issuer or Switch InoperativePlease contact the bank, Telco or Interswitch.
90092Routing ErrorPlease contact Interswitch.
90093Violation of lawPlease contact Interswitch.
90094Duplicate TransactionYou have sent this transaction before, please send a new transaction.
90095Reconcile ErrorPlease contact Interswitch.
90096System MalfunctionPlease try again, if the problem persist contact Interswitch.
90097FAILEDPlease try again, if the problem persist contact Interswitch.
90098Exceeds Cash LimitPlease contact your bank.
90099Transaction failedPlease try again later.
900A5Contract phone number recharge is not allowedPlease try again with a non-contract phone number or contact the Telco.
900A6The phone number you have supplied is inactive.Please try again with an active phone number or contact the Telco.
900A7The phone number you have supplied has been barred.Please try again with an unbarred phone number or contact the Telco.
900A8There is no voucher of the requested denomination.Please try again with a valid voucher denomination.
900A9The phone number or smart card number you have supplied is invalid.Please try again with a valid phone number or smart card number.
E16/90E16The service you have specified is not availablePlease contact Interswitch
E19/90E19Unable to process request at this time.Please contact Interswitch
E26/90E26System MalfunctionPlease contact Interswitch
G3Account is dormantPlease contact Interswitch
F5Invalid Credit Account/Scheme type is not validPlease contact Interswitch
J3Transfer currency mismatchPlease contact Interswitch
G2Cr Foracid has Credit OR Total FreezePlease contact Interswitch
Exception / Pending Response Codes
10001Unexpected errorCheck to see if you have sent a duplicate request reference id in the request xml. If you have not sent a duplicate request reference, Query for the transaction using the Query Transaction method to get the final status. Re-query at an interval of 1 hour. Re-query for 24hrs after which Interswitch can be contacted to confirm status of transaction if response code remains unchanged contact the Help Portal; [email protected] to get a confirmation on the actual status of the transaction.”
10005Empty response received from remote hostTransaction should be treated as pending, query the web service to get the updated status. Re-query at an interval of 1 hour. Re-query for 24hrs. However, if the response code returned after querying is 10005, you may contact Interswitch through the Help Portal; [email protected] to get a confirmation on the actual status of the transaction.
90009Request in progressTransaction should be treated as pending. This response code indicates that a response is yet to be received from the TELCO. A very high percentage of transactions with 90009 end up being successful. As a result customers’ funds should not be reversed. Query the web service to get the updated status. Re-query at an interval of 1 hour. Re-query for 24hrs. However, if the response code returned after querying is 90009, you may contact Interswitch through the Help Portal; [email protected] to get a confirmation on the actual status of the transaction.
Q9, Q5, Q6, Q4, Q2, Q7, Q1, Q3, 900Q1, 900Q3, 900Q5, 900Q6, 900Q7, 900Q9Pending transactionTransaction should be treated as pending, query the web service to get the updated status. Re-query at an interval of 1 hour. Re-query for 24hrs. However, if the response code returned after querying is any of Q9, Q5, Q6, Q4, Q2, Q7, Q1, Q3,900Q***, you may contact Interswitch through the Help Portal; [email protected] to get a confirmation on the actual status of the transaction.
900A0Unknown ErrorThis is not an actual failure; hence funds should not be returned to the customer. Query the web service to get the updated status. Re-query at an interval of 1 hour. Re-query for 24hrs. However, if the response code returned after querying is 900A0, you may contact Interswitch through the Help Portal; [email protected] to get a confirmation on the actual status of the transaction.
E18/90E18Unable to process the request at this time or a timeout occurred. Please try againKindly perform a QueryTransaction to get the updated status. Re-query at an interval of 1 hour. Re-query for 24hrs. However, if no definite response is returned after querying, you may contact Interswitch through the Help Portal; [email protected] to get a confirmation on the actual status of the transaction.
General Timeout (Socket Timeout, IO exceptions, network timeouts)Timeout may still translate as successful transaction, therefore customers’ funds should not be refunded until final status has been confirmed.Query the web service to get the updated status. Re-query at an interval of 1 hour. Re-query for 24hrs. However, if no definite response is returned after querying , you may contact Interswitch through the Help Portal; [email protected] to get a confirmation on the actual status of the transaction.

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