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	Failed
The amount requested is above the limit permitted by your bank, please contact your bank	X03	Failed
The amount requested is too low	X04	Failed
The amount requested is above the limit permitted by your bank, please contact your bank	X05	Failed
The card number inputted is invalid, please re-try with a valid card number	14	Failed
Incorrect Security details provided. Pin tries exceeded.	38	Failed
Incorrect Security details provided	55	Failed
Incorrect card details, please verify that the expiry date inputted is correct.	56	Failed
Your bank has prevented your card from carrying out this transaction, please contact your bank	57	Failed
Your bank has prevented your card from carrying out this transaction, please contact your bank	61	Failed
Incorrect security details provided. Pin tries exceeded.	75	Failed
Refer to Financial Institution.	01	Failed
Refer to Financial Institution, Special Condition	02	Failed
Invalid Merchant	03	Failed
Pick-up Card	04	Failed
Do not honor	05	Failed
Error	06	Failed
Pick-up Card, Special Condition	07	Failed
Honor with identification	08	Failed
Request in Progress	09	Failed
Invalid Transaction	12	Failed
Invalid Amount	13	Failed
No Such Financial Institution	15	Failed
Approved by Financial Institution, Update Track 3	16	Failed
Customer Cancellation	17	Failed
Customer Dispute	18	Failed
Re-enter Transaction	19	Failed
Invalid Response from Financial Institution	20	Failed
No Action Taken by Financial Institution	21	Failed
Suspected Malfunction	22	Failed
Unacceptable Transaction Fee	23	Failed
File Update not Supported	24	Failed
Duplicate Record	26	Failed
File Update File Edit Error	27	Failed
File Update File Locked	28	Failed
File Update Failed	29	Failed
Format Error	30	Failed
Bank Not Supported	31	Failed
Completed Partially by Financial	32	Failed
Institution Expired Card, Pick-Up	33	Failed
Suspected Fraud, Pick-Up	34	Failed
Contact Acquirer, Pick-Up	35	Failed
Restricted Card, Pick-Up	36	Failed
Call Acquirer Security, Pick-Up	37	Failed
PIN Tries Exceeded, Pick-Up	38	Failed
No Credit Account	39	Failed
Function not supported	40	Failed
Lost Card, Pick-Up	41	Failed
No Universal Account	42	Failed
No Investment Account	44	Failed
Insufficient Funds	51	Failed
No Check Account	52	Failed
No Savings Account	53	Failed
Expired Card	54	Failed
Incorrect PIN	55	Failed
No Card Record	56	Failed
Suspected Fraud	59	Failed
Contact Acquirer	60	Failed
Restricted Card	62	Failed
Security Violation	63	Failed
Original Amount Incorrect	64	Failed
Exceeds withdrawal frequency	65	Failed
Call Acquirer Security	66	Failed
Hard Capture	67	Failed
Response Received Too Late	68	Failed
PIN tries exceeded	75	Failed
Intervene, Bank Approval Required	77	Failed
Intervene, Bank Approval Required for Partial Amount	78	Failed
Cut-off in Progress	90	Failed
Issuer or Switch Inoperative	91	Failed
Routing Error	92	Failed
Violation of law	93	Failed
Duplicate Transaction	94	Failed
Reconcile Error	95	Failed
System Malfunction	96	Failed
Exceeds Cash Limit	98	Failed
Unexpected error	A0	Failed
Transaction not permitted to card holder, via channels	A4	Failed
Transaction Error	Z1	Failed
Bank account error	Z2	Failed
Bank collections account error	Z3	Failed
Interface Integration Error	Z4	Failed
Duplicate Reference Error	Z5	Failed
Incomplete Transaction	Z6	Failed
Transaction Split Pre-processing Error	Z7	Failed
Invalid Card Number, via channels	Z8	Failed
Transaction not permitted to card holder, via channels	Z9	Failed
Transaction not found	Z25	Failed
Payment Requires Token	Z61	Failed
Request to Generate Token is Successful	Z62	Failed
Token Not Generated. Customer Not Registered on Token Platform	Z63	Failed
Error Occurred. Could Not Generate Token	Z64	Failed
Payment Requires Token Authorization	Z65	Failed
Token Authorization Successful	Z66	Failed
Token Authorization Not Successful. Incorrect Token Supplied	Z67	Failed
Error Occurred. Could Not Authenticate Token	Z68	Failed
Customer Cancellation Secure3D	Z69	Failed
Cardinal Authentication Required	Z70	Failed
Cardinal Lookup Successful	Z71	Failed
Cardinal Lookup Failed	Z72	Failed
Cardinal Authenticate Successful	Z73	Failed
Cardinal Authenticate Failed	Z74	Failed
Error calling Cybersource Service	Z80	Failed
Bin has not been configured	Z81	Failed
Merchant not configured for bin	Z82	Failed
WIBMO Look-up successful	Z76
Recurrent transaction rate limit exceeded	Z162
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.