--- updatedAt: 2026-09-30T12:25:35.000Z agentTools: projectIndex: https://docs.interswitchgroup.com/llms.txt --- # Response Codes ## Table of Contents 1. [Overview](#overview) 2. [Response Code Grouping](#response-code-grouping) 3. [Success Response Codes](#success-response-codes) 4. [Failed Response Codes](#failed-response-codes) 5. [Exception / Pending Response Codes](#exception--pending-response-codes) 6. [E-Pins Voucher Response Codes](#e-pins-voucher-response-codes) *** ## Overview This document lists the response codes returned by the Interswitch Value Added Services (VAS) platform, including the QuickTeller Bills Payment, Airtime & Data, and E-Pins Voucher APIs. Each response code includes a description and a recommended resolution. Codes are grouped into three high-level statuses: * **Successful** — The request was processed successfully. * **Failed** — The request could not be completed. * **Pending** — The final status is not yet known; re-query to confirm. *** ## Response Code Grouping Below are the high-level groupings returned by Value Added Services: | Response Code Grouping | | :--------------------- | | Successful | | Failed | | Pending | *** ## Success Response Codes | Code | Description | Resolution | | :---- | :------------------------------------------------ | :------------------------------ | | 90010 | Approved by Financial Institution, Partial | Kindly reach out to Interswitch | | 90011 | Approved by Financial Institution, VIP | Kindly reach out to Interswitch | | 90016 | Approved by Financial Institution, Update Track 3 | Kindly reach out to Interswitch | | 90000 | Successful | Transaction Successful | *** ## Failed Response Codes | Code | Description | Resolution | | :-------- | :------------------------------------------------------------------ | :------------------------------------------------------------------------------------------------------------------------------------------------------------------ | | 10002 | Invalid Request | Check your request xml to verify you are sending valid request xml. | | 10003 | Unauthorized | Please provide valid details and try again later. Please contact Interswitch. | | 10010 | Partner not setup/Incorrect entity code | The Institution/Biller/Entity Code in your request message has not been configured on Quick Teller. | | 10011 | Service Method not found | It simply means the api service endpoint name with Id returned has not been setup in DB via quickteller-paydirect console. | | 10020 | Partner not properly configured | Partner/Biller has not been properly configured on Quick Teller. Please contact Interswitch. | | 10021 | Non bank partner account details not configured | | | 10022 | Partner sponsor bank not properly configured | | | 10030 | Partner deactivated | Partner/Biller has been deactivated on Quick Teller. Please contact Interswitch. | | 10040 | Wrong IP address | | | 10050 | Session key invalid or not setup | | | 10060 | Invalid encryption type | | | 10070 | Could not retrieve RSA private key | | | 10080 | Invalid session key length | | | 10081 | Invalid session IV length | | | 10090 | Cannot decrypt session key | | | 10091 | Cannot decrypt session IV | | | 10100 | Cannot retrieve partner security details | | | 10200 | Disabled or deactivated via configuration | | | 20010 | Xml Node Missing | Something is missing in your request message. Please check the response xml. | | 20020 | Xml Node Value Empty | You have sent an empty xml node. Please check the response xml. | | 20021 | TerminalId/ClientId | TerminalId/ClientId is required | | 20030 | Xml Node Value not valid | Please check the response xml for the invalid value in your request message. | | 20040 | Invalid data type, date expected | You have sent an invalid date format, please check the request xml. | | 20041 | Invalid data type, numeric expected | You have sent an invalid data, please check the response xml. | | 20050 | Message integrity validation failed | Please check to correct your MAC and resend the transaction. | | 20060 | Entity Location not enabled for cash payout | Please other locations enabled for payout and resend transaction. | | 20061 | Entity Location is Disabled | Please contact Interswitch. | | 20062 | Entity is Disabled | Please contact Interswitch. | | 30010 | Transaction not found | The Transaction does not exist in Quick Teller. Please contact Interswitch. | | 30020 | Duplicate Transfer Code | The transfer code exists in Quick Teller, please try another transfer code. | | 30030 | Bank authorization needed | The transfer code exists in Quick Teller, please try another transfer code | | 40010 | ATM cash out payments must be in multiples of 1000 | Please change the amount to multiples of 1000 and resend the transaction. | | 40020 | ATM cash out payment has exceeded the maximum allowed value | Please try cash out the next day. | | 40030 | Maximum Transfer Limit Exceeded | | | 40040 | Non Standard Id Transfe Limit Exceeded | | | 40050 | SVA Withdrawal Failed | | | 40060 | Invalid Cancellation Request\_Transfer Has Been Completed | | | 40100 | Failed Account Name Inquiry | | | 50010 | Invalid cancellation request – Transfer has been completed | You cannot cancel the transfer because it has been cashed out. | | 60001 | User not found. | The user does not exist in Quick Teller. Please contact Interswitch. | | 60002 | Username and/or password incorrect | Please provide correct username/ password and try again. | | 60003 | Security token invalid or expired. | Please use a valid or active security token. | | 60004 | Login Problem | | | 60005 | Invalid Current Password | | | 60010 | Password does not meet complexity requirements. | Please use a complex password and try again. | | 60011 | Duplicate Username | The username exists in Quick Teller, please try another username. | | 60012 | Password does not meet history requirements | Please try a password that meets history requirements or contact Interswitch. | | 60020 | Invalid Activation Token | Please use a valid or active activation token. | | 60021 | Account Already Activated | | | 60022 | Account Not Activated | | | 60023 | Mobile Number Already Verified | | | 60030 | Passwords do not match | Please provide match passwords and try again. | | 60031 | Password change failed | Please provide match passwords and try again. | | 60038 | Phone Number Already In Use by Another User | | | 60039 | Different Phone Number Already Verified For User | | | 60040 | No Pending Verification For User | | | 60041 | Different Email Already Verified For User | | | 60042 | Email Already In Use By Another User | | | 60043 | Data Security Violation | | | 60044 | Referral Existing For User | | | 70003 | Invalid Client Version Number | | | 70004 | Terminal Version Mismatch | | | 70005 | Empty Client Version Number | | | 70006 | Invalid Terminal Version Number | | | 70007 | Bank not enabled for transfer | This means the bank has not been enabled as a transfer destination bank | | 70008 | Biller Temporarily Not Available | | | 70009 | Biller Already Exist For Paydirect Product | | | 70010 | Biller not found | Please provide correct biller code in your request xml and try again. | | 70011 | Unrecognized card | Your card has not been configured on Interswitch Pay Direct. Please contact Interswitch. | | 70012 | Unrecognized terminal owner | Your terminal has not been configured on Quick Teller. Please contact Interswitch. | | 70013 | Unrecognized customer | The customer does not exist please try another. You can contact Interswitch if you think the customer is valid. | | 70014 | Unrecognized payment channel | The 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. | | 70015 | Collections account not setup | A collections account has not been setup. Please contact Interswitch. | | 70016 | Collections account type not set | The 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. | | 70017 | Payment type code not recognized | You have supplied an invalid payment type code. Please check to correct and try again. | | 70116 | Bills Stream Code Already Used | | | 70117 | Customer Is Tied To Different Payment Item | | | 70018 | Transaction Reference not found | Please provide correct Transaction Reference in your request xml and try again. | | 70019 | Failed to send payment downstream | Please contact Interswitch. | | 70020 | Collecting bank settings not configured | Please contact Interswitch. | | 70021 | Lead Bank not found or setup | Please contact Interswitch. | | 70022 | Advice previously received and processed successfully | Try Query Transaction method to see the details of your transaction. | | 70023 | Biller already associated with customer | Please contact Interswitch. | | 70024 | Application settings not found or configured properly | Please contact Interswitch. | | 70025 | Bank not setup or enabled for bill payment | Please contact Interswitch. | | 70026 | Biller not enabled for channel | Please contact Interswitch. | | 70027 | Bank not enabled for biller | Please contact Interswitch. | | 70028 | Terminal owner not enabled for biller | Please contact Interswitch. | | 70029 | Terminal owner not enabled for channel | Please contact Interswitch. | | 70030 | Terminal owner not setup or enabled for bill payment | Please contact Interswitch. | | 70031 | Unrecognized CBN Bank Code | Please contact Interswitch. | | 70032 | Certificate identity error | Ensure the identity of your certificate is the same as the public key provided to Interswitch. If problem persist, please contact Interswitch. | | 70033 | Certificate not recognised/setup in QuickTeller | Please contact Interswitch. | | 70034 | Certificate terminal owner mismatch | Please contact Interswitch. | | 70035 | Access to method call is denied | Please contact Interswitch. | | 70036 | Terminal owner not associated with a funds transfer institution | Please contact Interswitch. | | 70037 | Fees not setup | Please contact Interswitch. | | 70038 | Data not found | The data you queried for does not exist. Please check to confirm and try again or contact Interswitch. | | 70039 | Transaction set not allowed | Please contact Interswitch. | | 70040 | Financial Transactional card has not been configured | Please contact Interswitch. | | 70041 | Expired Transaction | Please contact Interswitch. | | 70042 | Full Payment | Please contact Interswitch. | | 70043 | Amount Too Low | | | 70044 | Amount Too High | | | 70045 | Request time out | Please retry again later. | | 70046 | Invalid Request XML | | | 70047 | Failed Additional Data Validation | | | 70048 | Failed Pre Validation Check | | | 70049 | Pan or Cbn Code Require On Inquiry | | | 70050 | Terminal Owner Retail Pay Details Not Configured | | | 70051 | Terminal Owner Retail Pay Master key Not Configured | | | 70052 | RetailPay Invalid Login | | | 70053 | RetailPay Invalid Request | | | 70054 | RetailPay Host Unreachable | | | 70055 | RetailPay Invalid Dealer Code | | | 70056 | RetailPay Invalid Phone Number | | | 70057 | RetailPay Out of Stock | | | 70058 | RetailPay Invalid Product Code | | | 70059 | RetailPay Failed | | | 70060 | RetailPay Session Key Invalid | | | 70061 | RetailPay Insufficent Funds | | | 70062 | RetailPay Invalid Amount | | | 70063 | RetailPay Bad Public Key | | | 70064 | RetailPay Telco Timeout | | | 70065 | InvalidAmount | | | 70066 | InvalidMinimumAmount | | | 70067 | InvalidGreaterThanMinimumAmount | | | 70068 | InvalidMaximumAmount | | | 70069 | InvalidLessThanMaximumAmount | | | 70070 | InvalidExactAmount | | | 70071 | InvalidCustomerId | | | 70128 | Sva Terminal Owner Not Setup For Biller | | | 70129 | Terminal Owner Card Acceptor Id Not Configured | | | 70130 | Payment Amount Higher Than Due Amount | | | 70131 | Invalid Bank Account number | Means 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. | | 70132 | Invalid Mobile Number | It means the mobile number is not all digits i.e it contains special character like spaces, – etc. | | 71001 | QtCheckout Invalid URL | | | 71002 | QtCheckout Different Domain URL | | | 71003 | QtCheckout Cancelled by User | | | 71004 | QtCheckout Missing Client ID | | | 71005 | QtCheckout Invalid Model | | | 71006 | QtCheckout No Item For Payment Code | | | 71007 | QtCheckout No Biller For Payment Code | | | 71008 | QtCheckout Merchant Not Setup | | | 71009 | QtCheckout Biller Not Enabled For Channel | | | 71010 | QtCheckout Redirect URL Not Valid | | | 71011 | QtCheckout Invalid Entries | | | 71012 | QtCheckout Quickteller Inquiry Failed | | | 71013 | QtCheckout Invalid State Data | | | 71014 | QtCheckout Passport Authorization Error | | | 71015 | QtCheckout Null Passport Model | | | 71016 | QtCheckout Failed Webpay Transaction | | | 71017 | QtCheckout Invalid Corrective Input | | | 72001 | Promo Maximum Wins Exceeded For User | | | 72002 | Promo Maximum Wins Exeeded | | | 72003 | Promo Data Not Found | | | 72004 | Promo Item Not Found | | | 72005 | Promo Request In Progress | | | 72006 | Promo\_Restricted | | | 73001 | Payphone Failed To Get Card Details | | | 73002 | Payphone Failed To Get ECash Balance | | | 73003 | Payphone Failed To Create ECash Account | | | 73004 | Payphone ECash Account Not Found For User | | | 75064 | Remittance Validation Error – Check Account Number | | | 75065 | Remittance Validation Unknown Name Enquiry Error | | | 75066 | Remittance Validation Amount Mismatch | | | 75067 | Remittance Validation Sender Surname mismatch | | | 75068 | Remittance Validation Receiver Firstname Mismatch | | | 75069 | Remittance Validation Sender Surname mismatch | | | 75070 | Remittance Validation Receiver Firstname Mismatch | | | 75071 | Remittance Validation Sender Country Mismatch | | | 75072 | Remittance Validation Pickup Validation Error | | | 75073 | Remittance Validation Pickup Receive Error | | | 75074 | Remittance Validation General Error Unknown Code Received | | | 75076 | Remittance Validation Dormant Account | | | 75077 | Remittance Validation General Error Invalid Channel Code | | | 75078 | Remittance Validation General Error – Invalid Currency | | | 78012 | Remote Host Unreachable Or Network Problem | | | 78013 | Advice Not Permitted To TermialOwner | | | 80010 | Biller Verification\_Not In PAYDirect | | | 80020 | Biller Verification\_In PAYDirect But NotQuickTeller | | | 80030 | Schedule Verification\_No Rows Found | | | 80031 | Schedule Verification\_Row Error Found | | | 80032 | Schedule Verification\_Failed Schedule Exists | | | 80033 | Schedule Verification\_UnKnown Error | | | 90001 | Session Key Missing | | | 90001 | Refer to Issuer | Declined by your card bank | | 90002 | Refer to Financial Institution, Special Condition | Please try again later. | | 90005 | Do not honor | | | 90006/06 | Error | | | 90012 | Invalid Transaction | If this is your first time, you may have to change your PIN. | | 90013 | Invalid Amount | Please supply valid amount and try again. | | 90014 | Invalid Card Number | Please supply valid card number and try again. | | 90015 | No Such Financial Institution | Please supply an existing/valid financial institution and try again. | | 90017 | Customer Cancellation | Please contact Interswitch. | | 90018 | Customer Dispute | Please contact Interswitch. | | 90019 | Re-enter Transaction | Please try again later. | | 90020 | Invalid Response from Financial Institution | Please contact the financial institution. | | 90021 | No Action Taken by Financial Institution | Please contact the financial institution or Interswitch. | | 90022 | Suspected Malfunction | Try again later. If the error persists, please contact Interswitch. | | 90023 | Unacceptable Transaction Fee | Please supply an acceptable transaction fee and try again. | | 90024 | File Update not Supported | This feature is not supported. Please contact Interswitch. | | 90025/25 | Unable to Locate Record | Record does not exist. You may contact Interswitch. | | 90026 | Duplicate Record | Please try again with a new record. | | 90027 | File Update Field Edit Error | Please rectify the error and try again. If the error persists, please contact Interswitch. | | 90028 | File Update File Locked | Please try again later with a new record. Please contact Interswitch. | | 90029 | File Update Failed | Please contact Interswitch. | | 90030 | Format Error | Please change the format or contact Interswitch. | | 90031 | Bank Not Supported | Please contact the bank or Interswitch. | | 90032 | Completed Partially by Financial Institution | Please contact the bank or Interswitch. | | 90033 | Expired Card, Pick-Up | Please contact your bank. | | 90034 | Suspected Fraud, Pick-Up | Please contact your bank. | | 90035 | Contact Acquirer, Pick-Up | Please contact your bank. | | 90036 | Restricted Card, Pick-Up | Please contact your bank. | | 90037 | Call Acquirer Security, Pick-Up | Please contact your bank. | | 90038 | PIN Tries Exceeded, Pick-Up | Please contact your bank. | | 90039 | No Credit Account | Please contact your bank. | | 90040 | Function not Supported | Please contact your bank or Interswitch. | | 90041 | Lost Card, Pick-Up | Please contact your bank. | | 90042 | No Universal Account | Please try again with a valid account or contact your bank. | | 90043 | Stolen Card, Pick-Up | Please contact your bank | | 90044 | No Investment Account | Please try again with a valid account or contact your bank. | | 90051 | Insufficient Funds | Please contact your bank. | | 90052 | No Check Account | Please try again with a valid account or contact your bank. | | 90053 | No Savings Account | Please try again with a valid account or contact your bank. | | 90054 | Expired Card | Please contact your bank. | | 90055 | Incorrect PIN | lease try again with correct PIN. | | 90056 | No Card Record | Please try again with a valid card or contact your bank. | | 90057 | Transaction not Permitted to Cardholder | Please contact your bank | | 90058 | Transaction not Permitted on Terminal | Please contact Interswitch. | | 90059 | Suspected Fraud | Please contact your bank. | | 90060 | Contact Acquirer | Your transaction has been declined by your bank. Please contact your bank. | | 90061 | Exceeds Withdrawal Limit | Please contact your bank. | | 90062 | Restricted Card | Please contact your bank. | | 90063 | Security Violation | Please contact your bank. | | 90064 | Original Amount Incorrect | Please enter correct original amount and try again. | | 90065 | Exceeds withdrawal frequency | Please try again later or contact your bank. | | 90066 | Call Acquirer Security | Please contact the Acquirer or Interswitch. | | 90067 | Hard Capture | Please contact Interswitch. | | 90068 | Response Received Too Late | Please try again later or contact your bank. | | 90075 | PIN tries exceeded | Please contact your bank. | | 90076 | Reserved for Future Postilion Use | Please contact Interswitch. | | 90077 | Intervene, Bank Approval Required | Please contact the bank. | | 90078 | Intervene, Bank Approval Required for Partial Amount | Please contact the bank | | 90083 | FAILED | Please try again, if the problem persist contact Interswitch. | | 90090 | Cut-off in Progress | The financial Institution is not available, please try again later. | | 90091/91 | Issuer or Switch Inoperative | Please contact the bank, Telco or Interswitch. | | 90092 | Routing Error | Please contact Interswitch. | | 90093 | Violation of law | Please contact Interswitch. | | 90094 | Duplicate Transaction | You have sent this transaction before, please send a new transaction. | | 90095 | Reconcile Error | Please contact Interswitch. | | 90096 | System Malfunction | Please try again, if the problem persist contact Interswitch. | | 90097 | FAILED | Please try again, if the problem persist contact Interswitch. | | 90098 | Exceeds Cash Limit | Please contact your bank. | | 90099 | Transaction failed | Please try again later. | | 900A5 | Contract phone number recharge is not allowed | Please try again with a non-contract phone number or contact the Telco. | | 900A6 | The phone number you have supplied is inactive. | Please try again with an active phone number or contact the Telco. | | 900A7 | The phone number you have supplied has been barred. | Please try again with an unbarred phone number or contact the Telco. | | 900A8 | There is no voucher of the requested denomination. | Please try again with a valid voucher denomination. | | 900A9 | The phone number or smart card number you have supplied is invalid. | Please try again with a valid phone number or smart card number. | | E16/90E16 | The service you have specified is not available | Please contact Interswitch | | E19/90E19 | Unable to process request at this time. | Please contact Interswitch | | E26/90E26 | System Malfunction | Please contact Interswitch | | G3 | Account is dormant | Please contact Interswitch | | F5 | Invalid Credit Account/Scheme type is not valid | Please contact Interswitch | | J3 | Transfer currency mismatch | Please contact Interswitch | | G2 | Cr Foracid has Credit OR Total Freeze | Please contact Interswitch | *** ## Exception / Pending Response Codes Treat these codes as pending. Query the transaction status at intervals of 1 hour for up to 24 hours to obtain the final status. If the status remains pending after 24 hours, contact Interswitch support. | Code | Description | Resolution | | :----------------------------------------------------------------------- | :--------------------------------------------------------------------------------------------------------------------------------------------------- | :---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | 10001 | Unexpected error | Check 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; to get a confirmation on the actual status of the transaction.” | | 10005 | Empty response received from remote host | Transaction 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; to get a confirmation on the actual status of the transaction. | | 90009 | Request in progress | Transaction 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; to get a confirmation on the actual status of the transaction. | | Q9, Q5, Q6, Q4, Q2, Q7, Q1, Q3, 900Q1, 900Q3, 900Q5, 900Q6, 900Q7, 900Q9 | Pending transaction | Transaction 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; to get a confirmation on the actual status of the transaction. | | 900A0 | Unknown Error | This 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; to get a confirmation on the actual status of the transaction. | | E18/90E18 | Unable to process the request at this time or a timeout occurred. Please try again | Kindly 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; 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; to get a confirmation on the actual status of the transaction. | *** ## E-Pins Voucher Response Codes These codes are specific to the E-Pins (voucher) service. | Response Code | Response Message | | :------------ | :---------------------------------- | | VS001 | VOUCHER\_NOT\_FOUND | | VS002 | REDEMPTION\_QUANTITY\_EXCEEDED | | VS003 | VOUCHER\_IS\_USED | | VS004 | REDEMPTION\_AMOUNT\_EXCEEDED | | VS006 | UNRECOGNISED\_VOUCHER | | VS018 | ACCESS\_DENIED | | VS020 | VOUCHER\_NOT\_STARTED | | VS021 | NOT\_AUTHORIZE\_TO\_REDEEM\_VOUCHER | *** ## Support For technical support or integration assistance: * **Email:** `support@interswitchng.com` * **Help Portal:** `help@interswitchgroup.com` *** **Document Version:** 2.0\ **Last Updated:** 2026-09-29\ **API Version:** v5