Response codes
Last updated: March 23, 2023
Response codes tell you a lot about what happened during an API request. After sending an API request, you will receive a response containing:
- an HTTP status code
- a response object containing a
response_codethat indicates the status of the request, or an error object containing one or severalerror_codes
This page describes the possible response codes you might receive. View a list of the possible error codes.
A response_code is a five-digit numeric code that indicates the status of the request. Additional information on the request status may be found in the response_summary and status fields.
| Code type | Code range | Location in response | Description |
|---|---|---|---|
APPROVED | 10000 |
| The request was successful |
SOFT DECLINE | 20000 |
| The request was declined, though subsequent attempts may be successful |
HARD DECLINE | 30000 |
| The request was declined. Most hard declines require the issuer or cardholder to rectify the outstanding issue(s) before a subsequent attempt can be made |
RISK RESPONSES | 40000 |
| The request triggered a risk response. The status of the response ( |
The table below describes the possible HTTP response codes you can receive when sending an API request.
| Code | Description |
|---|---|
| OK |
| Created |
| Accepted |
| Unauthorized |
| Not allowed |
| Not found |
| Invalid data was sent |
| Too many requests or duplicate request detected |
| Internal server error |
| Bad gateway |
Information
Some of the codes can return different messages.
Approval response (10X) | ||
|---|---|---|
| Code | Text | Additional Information |
10000 | Approved | |
10008 | Approved - Honor with ID (Debit Cards) | |
10011 | Approved - VIP (not used) | |
10076 | Approved (Country Club) | |
10077 | Approved (Local Banks) | |
10081 | Approved (Approved Commercial) | |
10100 | Flagged as a potentially risky transaction | |
10200 | Deferred capture | |
Soft decline (20X) | ||
| Code | Text | Additional Information |
20001 | Refer to card issuer | The payment has been declined by your bank. Please try a different card or contact your bank for further support. |
Contact card issuer | ||
20002 | Refer to card issuer - Special conditions | The payment has been declined by your bank. Please try a different card or contact your bank for further support. |
20003 | Invalid merchant or service provider | The payment failed due to a technical issue. If the issue persists please contact us. |
20005 | Declined - Do not honour | The payment has been declined by your bank. Please try a different card or contact your bank for further support. Refer to our recommendation codes documentation. |
20006 | Error / Invalid request parameters | |
20009 | Request in progress | |
20010 | Partial value approved | |
20012 | Invalid transaction | The payment has been declined by your bank. Please try a different card or contact your bank for further support. |
20013 | Invalid value/amount | The payment failed due to a technical issue. If the issue persists please contact us. |
20014 | Invalid account number (no such number) | The payment failed, please check your card details and try again with the same or another card. |
20017 | Customer cancellation | |
20018 | Customer dispute | |
20019 | Re-enter transaction | |
Transaction has expired | ||
20020 | Invalid response | |
20021 | No action taken (unable to back out prior transaction) | |
20022 | Suspected malfunction | |
20023 | Unacceptable transaction fee | |
20024 | File update not supported by the receiver | |
20025 | Unable to locate record on file | |
Account number is missing from the inquiry | ||
20026 | Duplicate file update record | |
20027 | File update field edit error | |
20028 | File is temporarily unavailable | |
20029 | File update not successful | |
20030 | Format error | The payment failed due to a technical issue. Please try again with the same card, or use a different card. |
20031 | Bank not supported by Switch | |
20032 | Completed partially | |
20038 | Allowable PIN tries exceeded | |
20039 | No credit account | |
20040 | Requested function not supported | |
20042 | No universal value/amount | |
20044 | No investment account | |
20046 | Bank decline | The payment has been declined by your bank. Please try a different card or contact your bank for further support. Refer to our recommendation codes documentation. |
20051 | Insufficient funds | The payment has been declined by your bank. Please try a different card or contact your bank for further support. |
20052 | No current (checking) account | |
20053 | No savings account | |
20054 | Expired card | |
20055 | Incorrect PIN | |
PIN validation not possible | ||
20056 | No card record | |
20057 | Transaction not permitted to cardholder | The payment has been declined by your bank. Please try a different card or contact your bank for further support. |
Domestic debit transaction not allowed (Regional use only) | ||
20058 | Transaction not permitted to terminal | |
20059 | Suspected fraud | The payment has been declined by your bank. Please try a different card or contact your bank for further support. Refer to our recommendation codes documentation. |
20060 | Card acceptor contact acquirer | |
20061 | Activity amount limit exceeded | Occurs if the defined amount is exceeded for the account or card. Refer to the page on recommendation codes for suggested action. |
20062 | Restricted card | The payment has been declined by your bank. Please try a different card or contact your bank for further support. Refer to our recommendation codes documentation. |
20063 | Security violation | |
20064 | Transaction does not fulfil AML requirement | The payment has been declined by your bank. Please try a different card or contact your bank for further support. |
20065 | Exceeds Withdrawal Frequency Limit | The payment has been declined by your bank. Please try a different card or contact your bank for further support. |
20066 | Card acceptor call acquirer security | |
20067 | Hard capture - Pick up card at ATM | |
20068 | Response received too late / Timeout | The payment failed due to a technical issue. Please try again with the same card, or use a different card. |
Transaction rejected | ||
Internal error | ||
20075 | Allowable PIN-entry tries exceeded | The payment has been declined by your bank. Please try a different card or contact your bank for further support. |
20078 | Blocked at first use - transaction from new or replacement card that is not properly unblocked | The payment has been declined by your bank. Please try a different card or contact your bank for further support. Refer to our recommendation codes documentation. |
20082 | No security model | |
PIN cryptographic error found (error found by VIC security module during PIN decryption) | ||
Negative CAM, dCVV, iCVV, or CVV results | ||
20083 | No accounts | |
20084 | No PBF | |
20085 | PBF update error | |
20086 | ATM malfunction | |
Invalid authorization type | ||
20087 | Bad track data (invalid CVV and/or expiry date) | The payment failed, please check your card details and try again with the same or another card. |
20088 | Unable to dispense/process | |
20089 | Administration error | |
20090 | Cut-off in progress | |
20091 | Issuer unavailable or switch is inoperative | The payment failed due to a technical issue. Please try again with the same card, or use a different card. |
20092 | Destination cannot be found for routing | |
20093 | Transaction cannot be completed; violation of law | The payment has been declined by your bank. Please try a different card or contact your bank for further support. Refer to our recommendation codes documentation. |
20094 | Duplicate transmission / invoice | |
20095 | Reconcile error | |
20096 | System malfunction | The payment failed due to a technical issue. Please try again with the same card, or use a different card. |
20097 | Reconciliation totals reset | |
20098 | MAC error | |
20099 | Other / Unidentified responses | The payment failed due to a technical issue. If the issue persists please contact us. |
2006P | Cardholder ID verification failed | Cardholder could not be identified from their ID documentation as part of Know Your Customer (KYC) checks. The cardholder should contact their issuing bank to resolve. |
200N0 | Force STIP | |
200N7 | Decline for CVV2 failure | |
200O5 | PIN required | |
200P1 | Over daily limit | |
200P9 | Limit exceeded. Enter a lesser value. | |
200R1 | Issuer initiated a stop payment (revocation order) for this authorization | The cardholder has canceled this subscription |
200R3 | Issuer initiated a stop payment (revocation order) for all authorizations | The cardholder has canceled all subscriptions |
200S4 | PTLF full | |
200T2 | Invalid transaction date | |
200T3 | Card not supported | |
200T5 | CAF status = 0 or 9 | |
20100 | Invalid expiry date format | The payment failed due to invalid expiry date. Please try again providing the correct value. |
20102 | Invalid merchant / wallet ID | The payment failed due to a technical issue. If the issue persists please contact us. |
20103 | Card type / payment method not supported | The payment has been declined by your bank. Please try again with a different card or contact your bank for further support. |
20104 | Gateway reject - Invalid transaction | The payment failed due to a technical issue. Please try again with the same card, or use a different card. |
20105 | Gateway reject - Violation | The payment failed due to a technical issue. Please try again with the same card, or use a different card. |
20106 | Unsupported currency | |
20107 | Billing address is missing | |
20108 | Declined - Updated cardholder available | |
20109 | Transaction already reversed (voided) | |
Previous message located for a repeat or reversal, but repeat or reversal data is inconsistent with the original message | ||
Capture is larger than initial authorized value | ||
20110 | Authorization completed | |
20111 | Transaction already reversed | The payment reversal has already been processed. |
20112 | Merchant not Mastercard SecureCode enabled | The payment failed due to a technical issue. Please contact us with the payment reference number. |
20113 | Invalid property | |
20114 | Token is incorrect | |
20115 | Missing / Invalid lifetime | |
20116 | Invalid encoding | |
20117 | Invalid API version | The payment failed due to a technical issue. If the issue persists please contact us. |
20118 | Transaction pending | The payment failed due to a technical issue. If the issue persists please contact us. |
20119 | Invalid batch data and/or batch data is missing | The payment failed due to a technical issue. If the issue persists please contact us. |
20120 | Invalid customer/user | The payment failed due to a technical issue. If the issue persists please contact us. |
20121 | Transaction limit for merchant/terminal exceeded | |
20123 | Missing basic data: zip, addr, member | The payment failed due to a technical issue. If the issue persists please contact us. |
20124 | Missing CVV value, required for ecommerce transaction | |
20150 | Card not 3D Secure (3DS) enabled | |
20151 | Cardholder failed 3DS authentication | |
20152 | Initial 3DS transaction not completed within 15 minutes | The payment has expired due to inactivity. Please try again with the same card, or use a different card. |
20153 | 3DS system malfunction | The payment failed due to a technical issue. Please try again with the same card, or use a different card. |
20154 | 3DS authentication required | The payment declined due to Strong Customer Authentication (3DS). Please try again with the same card, or use a different card. |
20155 | 3DS authentication service provided invalid authentication result | |
20156 | Requested function not supported by the acquirer | |
20157 | Invalid merchant configurations - Contact Support | |
20158 | Refund validity period has expired | |
20179 | Lifecycle | Occurs when transaction has invalid card data. Refer to the page on recommendation codes for suggested action. |
20182 | Policy | Occurs when a transaction does not comply with card policy. Refer to the page on recommendation codes for suggested action. |
20183 | Security | Occurs when a transaction is suspected to be fraudulent. Refer to the page on recommendation codes for suggested action. |
20193 | Invalid country code | |
Hard decline (30X) | ||
| Code | Text | Additional Information |
30004 | Pick up card (No fraud) | The payment has been declined by your bank. Please try a different card or contact your bank for further support. |
30007 | Pick up card - Special conditions | The payment has been declined by your bank. Please try a different card or contact your bank for further support. |
30015 | No such issuer | The payment has been declined due to incorrect details. Please try again with updated details. |
30016 | Issuer does not allow online gambling payout | The payment has been declined by your bank. Please try a different card or contact your bank for further support. |
30017 | Issuer does not allow original credit transaction | The payment has been declined by your bank. Please try a different card or contact your bank for further support. |
30018 | Issuer does not allow money transfer payout | The payment has been declined by your bank. Please try a different card or contact your bank for further support. |
30019 | Issuer does not allow non-money transfer payout | The payment has been declined by your bank. Please try a different card or contact your bank for further support. |
30020 | Invalid amount | The payment failed due to a technical issue. If the issue persists please contact us. |
30021 | Total amount limit reached | The payment has been declined by your bank. Please try a different card or contact your bank for further support. |
30022 | Total transaction count limit reached | The payment has been declined by your bank. Please try a different card or contact your bank for further support. |
30033 | Expired card - Pick up | The payment has been declined by your bank. Please try a different card or contact your bank for further support. |
30034 | Suspected fraud - Pick up | The payment has been declined by your bank. Please contact your bank for further support. |
30035 | Contact acquirer - Pick up | The payment has been declined by your bank. Please try a different card or contact your bank for further support. |
30036 | Restricted card - Pick up | The payment has been declined by your bank. Please try a different card or contact your bank for further support. |
30037 | Call acquirer security - Pick up | The payment has been declined by your bank. Please try a different card or contact your bank for further support. |
30038 | Allowable PIN tries exceeded - Pick up | The payment has been declined by your bank. Please try a different card or contact your bank for further support. |
30041 | Lost card - Pick up | The payment has been declined by your bank. Please try a different card or contact your bank for further support. |
30043 | Stolen card - Pick up | The cardholder’s bank has declined the payment because the card has been reported stolen.
|
30044 | Transaction rejected - AMLD5 | Transaction was initiated from an anonymous, non-reloadable prepaid card and for an amount greater than 50 EUR. Due to the AMLD5 directive, it cannot be fulfilled. |
30045 | Invalid payout fund transfer type | If the fund transfer type is not among the list that was configured for allowed funds transfer types, the transaction would fail. |
30046 | Closed account | The payment has been declined by your bank. Please contact your bank for further support. |
Risk responses are triggered by our risk engine and will appear in the response_code of a payment response.
Configuring your risk settings
If you want to change your risk settings, please get in touch with our Risk team at risk@checkout.com.
| Code | Text | Additional information |
|---|---|---|
40101 | Risk blocked transaction | The payment failed due to a security violation. If the issue persists please contact us. |
40201 | Gateway reject - card number blacklist | |
40202 | Gateway reject - IP address blacklist | |
40203 | Gateway reject - email blacklist | |
40204 | Gateway reject - phone number blacklist | |
40205 | Gateway Reject - BIN number blacklist |
A Declined - Do not honour notification is a request status associated with the 20005 response code, and it means that the customer's bank has declined the payment. This is the most common message provided by banks when a payment fails their authorization process.
This decline response means that the issuing bank has provided no further details about the payment failure, and we cannot override the response.
The payment may have been declined due to failed CVV or AVS checks, so it's worth checking these fields are correct before trying anything else.
There are several possible scenarios that can trigger the 20005 (Declined - Do not honour) response code:
- The bank's fraud rules (which consider various factors that are not made public) have been triggered.
- The bank may have placed a temporary hold on the customer's card.
- The purchase session may have been locked due to multiple declined payments.
- The seller is located in a country different from that of the card issuing bank.
To resolve a 20005 (Declined - Do not honour) response, try the following:
- Ask the customer to contact their bank, explaining that they are trying to process a payment. The customer can ask the bank to allow the payment.
- Ask the customer to try again at a later time. The issuing bank may have only placed a temporary hold on the card.
- Ask the customer to use an alternative credit card.