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Response codes

Last updated: April 29, 2022

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_code that indicates the status of the request, or an error object containing one or several error_codes

This page describes the possible response codes you might receive. View a list of the possible error codes.


Overview

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 typeCode rangeLocation in responseDescription

APPROVED

10000

response_code response_summary

The request was successful

SOFT DECLINE

20000

response_code response_summary

The request was declined, though subsequent attempts may be successful

HARD DECLINE

30000

response_code response_summary

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

response_code response_summary

The request triggered a risk response. The status of the response (response_code and status) will depend on the action specified in your risk settings


Detailed breakdown

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.

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.

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.

20060

Card acceptor contact acquirer

20061

Activity amount limit exceeded

Occurs if the defined amount is exceeded for the account or card.

20062

Restricted card

The payment has been declined by your bank. Please try a different card or contact your bank for further support.

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 card. First-time card usage.

The payment has been declined by your bank. Please try a different card or contact your bank for further support.

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.

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 cancelled this subscription

200R3

Issuer initiated a stop payment (revocation order) for all authorizations

The cardholder has cancelled 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

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.

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.

  • For a one-off transaction, do not attempt the transaction again, and if possible do not provide goods or services to the person attempting the transaction.
  • For a recurring or scheduled transaction, it is possible that the card was lost after the last successfully processed payment (or after the authorization for the scheduled payment). In that case, contact your customer for a new credit card number, or ask for a different form of payment. Replace the lost account number on the schedule with the new account number.

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 (40X)

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.

CodeTextAdditional 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