Response Codes

Testing

The following table contains the Royal Bank Response Codes located in the last three bytes of the SPDH Header (P-48) as well as the corresponding ISO Response Codes (P-39 or FID 'X'). The terminal and Secure PIN Entry Device (SPED) messages will be returned in the ISO P-54 and SPDH FID 'g' fields if required.

A Royal Bank Response Code that has a value less than "050" indicates an approved transaction.

Do NOT validate the combination of RBC and ISO response codes. These are liable to change without notice.

The Terminal Message text is a suggestion only and is not mandated by either the Bank or Interac. It is strongly advised that discretion be used with sensitive messages such as INSUFFICIENT FUNDS if the terminal display is visible to persons other than the cardholder and the clerk. Replacement by a more general message such as DECLINED is recommended.

RB CODES P-48 Header	ISO CODES P-39 FID X	ROYAL BANK DESCRIPTION	TERMINAL MESSAGE	SPED MESSAGE
			English	English
			Français	Français
Approved Response Codes
000	00 01 85 A2 A4 A5 A6 D4	Approved, Account Balances Included (Balance Inquiry), No Reason to Decline Approved (Balances) File Processed/Successful transaction with fault	`APPROVED`	`APPROVED`
000	00 01 85 A2 A4 A5 A6 D4		`APPROUVÉE`	`APPROUVÉE`
001	00 10 11 85 Y1 Y3	Approved, Account Balances Not Included Approved – No Balances/Approved or completed successfully VIP Approved (No Balances)/Advice Acknowledged – Financial Liability Accepted	`APPROVED`	`APPROVED`
001	00 10 11 85 Y1 Y3		`APPROUVÉE`	`APPROUVÉE`
002	00	Approved, country club	`APPROVED`	`APPROVED`
002	00	Approved, country club	`APPROUVÉE`	`APPROUVÉE`
003	00 08	Approved, maybe more ID	`APPROVED`	`APPROVED`
003	00 08	Approved, maybe more ID	`APPROUVÉE`	`APPROUVÉE`
004	00 08	Approved, pending ID (sign paper draft)	`APPROVED`	`APPROVED`
004	00 08	Approved, pending ID (sign paper draft)	`APPROUVÉE`	`APPROUVÉE`
005	00	Approved, blind	`APPROVED`	`APPROVED`
005	00	Approved, blind	`APPROUVÉE`	`APPROUVÉE`
006	00	Approved, VIP	`APPROVED`	`APPROVED`
006	00	Approved, VIP	`APPROUVÉE`	`APPROUVÉE`
007	00	Approved, administrative transaction	`APPROVED`	-
007	00	Approved, administrative transaction	`APPROUVÉE`	-
008	00	Approved, national NEG file hit OK	`APPROVED`	`APPROVED`
008	00	Approved, national NEG file hit OK	`APPROUVÉE`	`APPROUVÉE`
009	00	Approved, commercial	`APPROVED`	`APPROVED`
009	00	Approved, commercial	`APPROUVÉE`	`APPROUVÉE`
010	00 10	Approved for partial amount	`APPROVED`	`APPROVED`
010	00 10	Approved for partial amount	`APPROUVÉE`	`APPROUVÉE`
023	43	Amex - credit approval	`APPROVED` `APPROVAL`	-
023	43	Amex - credit approval	`APPROUVÉE`	-
024	77	Amex 77 - credit approval	`APPROVED` `APPROVAL`	-
024	77	Amex 77 - credit approval	`APPROUVÉE`	-
025	00	Amex - credit approval	Amex - Approved Approved with ID Approved VIP Approved (Express Rewards)	-
025	00	Amex - credit approval	`APPROUVÉE`	-
026	03	Amex - credit approval	`APPROVED` `APPROVAL`	-
026	03	Amex - credit approval	`APPROUVÉE`	-
027	00 01 10 85	Credit card approval	`APPROVED` `AUTHORIZED`	-
027	00 01 10 85	Credit card approval	`APPROUVÉE`	-
027	79	Transaction already reversed	`APPROVED` `AUTHORIZED`	-
027	79	Transaction already reversed	`APPROUVÉE`	-
028	00 04 11	VIP Credit Approved	`APPROVED` `AUTHORIZED`	-
028	00 04 11	VIP Credit Approved	`APPROUVÉE`	-
029	21 76 77	Credit Response Acknowledgement	`APPROVED` `AUTHORIZED`	-
029	21 76 77	Credit Response Acknowledgement	`APPROUVÉE`	-
Declined Response Codes
050	01 05 06 17 19 21 23 25 51 59 66 84 95 96 97 A0 A1 A7 B1 B2 D3 D5 D7 D8 D9 DA DB DC Q1 Q7 Q9 T1 T6 Z1 Z3	Do Not Honor Decline Refer to card issuer ID certification fails Deny – Do not Honour Card not initialized Declined: Deny – Unacceptable Fee Unable to locate original transaction Suspected Fraud Deny – Card Acceptor Call Acquirer’s Security Dep Amount Not Reconciled – Totals Provided ATM/POS terminal number cannot be located MAC failed Declined: MAC failed Reserved Security processing failure No arrears (transaction receipt not printed) Invalid File Type No such File File Locked Unsuccessful Incorrect File Length File Decompression Error File Name Error File cannot be received Deny – Do Not Honour	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050			RECOMMENCER PROBLEME SYSTÈME	NON TRAITABLE RECOMMENCEZ S.V.P.
051	54	Expired Card	EXPIRED CARD	EXPIRED CARD REFER TO BRANCH
051	54	Expired Card	CARTE EXPIRÉE	CARTE EXPIRÉE VOYEZ VOTRE SUC
052	38 75	PIN retries exceeded PIN try limit exceeded Allowable number of PIN tries exceeded	EXCESS PIN TRIES	EXCESS PIN TRIES REFER TO BRANCH
052	38 75		TROP ERREURS NIP	TROP ERREURS NIP VOYEZ VOTRE SUC
053	31 58	No sharing	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
053	31 58	No sharing	RECOMMENCER ERREUR EDITION	NON TRAITABLE RECOMMENCEZ S.V.P.
054	63 96	No security module	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
054	63 96	No security module	RECOMMENCER PROBLÈME SYSTÈME	NON TRAITABLE RECOMMENCEZ S.V.P.
055	20 40 58	Invalid transaction	CARD NOT SUPPORTED	NOT `APPROVED` NO POS ACCESS
055	20 40 58	Invalid transaction	CARTE NON ACCEPTÉE	`REFUSÉE` PAS ACCES AU TPV
056	23 24 25 26 27 28 29 40 57 58 D6	No Support/Transaction Not Permitted to Acquirer Tran Not Supported by FI/Not Supported by Receiver	CARD NOT SUPPORTED	NOT `APPROVED` NO POS ACCESS
056	23 24 25 26 27 28 29 40 57 58 D6		CARTE NON ACCEPTÉE	`REFUSÉE` PAS ACCES AU TPV
057	41 43 62	Lost or stolen card	CARD USE LIMITED	CARD USE LIMITED REFER TO BRANCH
057	41 43 62	Lost or stolen card	USAGE RESTREINT	USAGE RESTREINT VOYEZ VOTRE SUC
058	05 62	Invalid status	CARD USE LIMITED	CARD USE LIMITED REFER TO BRANCH
058	05 62	Invalid status	USAGE RESTREINT	USAGE RESTREINT VOYEZ VOTRE SUC
059	36 62	Deny (Keep Card) – Restricted Card Restricted Card	CARD USE LIMITED	CARD USE LIMITED REFER TO BRANCH
059	36 62	Deny (Keep Card) – Restricted Card Restricted Card	USAGE RESTREINT	USAGE RESTREINT VOYEZ VOTRE SUC
060	39 52	No Chequing account	NO CHEQUING ACCT RE-TRY OR CANCEL	CHQ NOT SET UP REFER TO BRANCH
	39 52	No Chequing account	PAS DE COMPTE CHÈQUES	CPTE NON ETABLI VOYEZ VOTRE SUC
	48 53 78	No Savings Account	NO SAVINGS ACCT RE-TRY OR CANCEL	SAV NOT SET UP REFER TO BRANCH
	48 53 78	No Savings Account	PAS DE COMPTE EPARGNE	CPTE NON ETABLI VOYEZ VOTRE SUC
061	56	No PBF	CARD IS NOT SET UP	CARD IS NOT SET UP REFER TO BRANCH
061	56	No PBF	CARTE INACTIVE	CARTE INACTIVE VOYEZ VOTRE SUC
062	05 96	PBF update error	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
062	05 96	PBF update error	RECOMMENCER PROBLEME SYSTÈME	NON TRAITABLE RECOMMENCEZ S.V.P.
063	05 96	Invalid authorization type	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
063	05 96	Invalid authorization type	RECOMMENCER PROBLEME SYSTÈME	NON TRAITABLE RECOMMENCEZ S.V.P.
064	14	Bad Track 2	RE-TRY INVALID CARD	CANNOT PROCESS PLEASE RE-TRY
064	14	Bad Track 2	RECOMMENCER NO. CARTE NON VALIDE	NON TRAITABLE RECOMMENCEZ S.V.P.
065	40 RA	Adjustment not allowed	EXCEEDS CORRECTION LIMIT	CANNOT PROCESS OVER STORE LIMIT
065	40 RA	Adjustment not allowed	CORRECTION LIMITE DÉPASSER	NON TRAITABLE MAGASIN-LIM EXCD
066	05 96	Invalid credit card advance increment	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
066	05 96	Invalid credit card advance increment	RECOMMENCER PROBLEME SYSTÈME	NON TRAITABLE RECOMMENCEZ S.V.P.
067	77 D2	Invalid transaction date	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
067	77 D2	Invalid transaction date	RECOMMENCER ERREUR EDITION	NON TRAITABLE RECOMMENCEZ S.V.P.
068	96	PTLF error	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
068	96	PTLF error	RECOMMENCER PROBLEME SYSTÈME	NON TRAITABLE RECOMMENCEZ S.V.P.
069	06 13 30	Bad Message Error/No CVM Results Bad message – edit error/Format error	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
069	06 13 30		RECOMMENCER ERREUR EDITION	NON TRAITABLE RECOMMENCEZ S.V.P.
070	15 92	No IDF Invalid Issuer Invalid Issuer/Deny – Issuer/Bank Not Found	INVALID CARD	INVALID CARD REFER TO BRANCH
070	15 92		CARTE NON VALIDE	CARTE NON VALIDE VOYEZ VOTRE SUC
071	92 D1	Invalid route authorization Unable to route/Financial institution or intermediate network facility cannot be found for routing Invalid Rout to Auth /Incorrect IIN	INVALID CARD	INVALID CARD REFER TO BRANCH
071	92 D1		CARTE NON VALIDE	CARTE NON VALIDE VOYEZ VOTRE SUC
072	05 96	Card on National NEG file	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
072	05 96	Card on National NEG file	RECOMMENCER PROBLEME SYSTÈME	NON TRAITABLE RECOMMENCEZ S.V.P.
073	92	Invalid route service (destination)	INVALID CARD	INVALID CARD REFER TO BRANCH
073	92	Invalid route service (destination)	CARTE NON VALIDE	CARTE NON VALIDE VOYEZ VOTRE SUC
074	19 63 83 84 85 86 87 88 91	Unable to authorize Re-enter Transaction Transaction Cannot be Completed Deny – Security Violation Deny – Violation of Law	ISSUER NOT ONLINE	CANNOT PROCESS PLEASE RE-TRY
	19 63 83 84 85 86 87 88 91		EMETTEUR NON RELIE	NON TRAITABLE PROBLEME SYSTÈME
	89 91	System problem - ask cardholder to insert card in chip card reader Merchant Link not logged on (Network Management Logon required)	DECLINED - PLEASE INSERT CARD/SYSTEM PROBLEM UNABLE TO AUTHORIZE	CANNOT PROCESS/SYSTEM PROBLEM
	89 91		-	NON TRAITABLE PROBLEME SYSTEME
075	14	Invalid PAN length	RE-TRY INVALID CARD	CANNOT PROCESS PLEASE RE-TRY
075	14	Invalid PAN length	RECOMMENCER NO. CARTE NON VALIDE	NON TRAITABLE RECOMMENCEZ S.V.P.
076	51	Low funds	INSUFFICIENT FUNDS	NOT `APPROVED` $ NOT AVAILABLE
076	51	Low funds	MANQUE DE FONDS	`REFUSÉE` MANQUE DE FONDS
077	61 65	Pre-auth full	$ LIMIT EXCEEDED	$ LIMIT EXCEEDED REFER TO BRANCH
077	61 65	Pre-auth full	LIMITE $ EXCÉDÉE	LIMITE $ EXCÉDÉE VOYEZ VOTRE SUC
078	09 94	Duplicate transaction Duplicate transaction/Request in progress	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
078	09 94		RECOMMENCER PROBLEME SYSTÈME	NON TRAITABLE RECOMMENCEZ S.V.P.
079	61	Maximum online refund reached	$ LIMIT EXCEEDED	$ LIMIT EXCEEDED REFER TO BRANCH
079	61	Maximum online refund reached	LIMITE $ EXCÉDÉE	LIMITE $ EXCÉDÉE VOYEZ VOTRE SUC
080	61	Maximum offline refund reached	$ LIMIT EXCEEDED	$ LIMIT EXCEEDED REFER TO BRANCH
080	61	Maximum offline refund reached	LIMITE $ EXCÉDÉE	LIMITE $ EXCÉDÉE VOYEZ VOTRE SUC
081	61	Maximum credit per refund reached	$ LIMIT EXCEEDED	$ LIMIT EXCEEDED REFER TO BRANCH
081	61	Maximum credit per refund reached	LIMITE $ EXCÉDÉE	LIMITE $ EXCÉDÉE VOYEZ VOTRE SUC
082	65	Number of times used exceeded	USAGE EXCEEDED	USAGE EXCEEDED REFER TO BRANCH
082	65	Number of times used exceeded	USAGE EXCÉDÉE	USAGE EXCÉDÉE VOYEZ VOTRE SUC
083	61	Maximum refund credit reached	$ LIMIT EXCEEDED	$ LIMIT EXCEEDED REFER TO BRANCH
083	61	Maximum refund credit reached	LIMITE $ EXCÉDÉE	LIMITE $ EXCÉDÉE VOYEZ VOTRE SUC
084	05 96	Duplicate transaction - authorization number has already been corrected by host.	-	-
084	05 96		-	-
085	40	Inquiry not allowed	CARD NOT SUPPORTED	NOT `APPROVED` NO POS ACCESS
085	40	Inquiry not allowed	CARTE NON ACCEPTÉE	`REFUSÉE` PAS ACCES AU TPV
086	05 96	Over floor limit	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
086	05 96	Over floor limit	RECOMMENCER PROBLEME SYSTÈME	NON TRAITABLE RECOMMENCEZ S.V.P.
087	05 Q7	Maximum number of refund credit by retailer	OVER RETAILER LIMIT	CANNOT PROCESS OVER STORE LIMIT
087	05 Q7	Maximum number of refund credit by retailer	MAGASIN LIMITE DÉPASSER	NON TRAITABLE MAGASIN-LIM EXCD
088	01 02 05 96	Place call	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
088	01 02 05 96	Place call	RECOMMENCER PROBLEME SYSTÈME	NON TRAITABLE RECOMMENCEZ S.V.P.
089	05 62	CAF status inactive or closed	CARD USE LIMITED	CARD USE LIMITED REFER TO BRANCH
089	05 62	CAF status inactive or closed	USAGE RESTREINT	USAGE RESTREINT VOYEZ VOTRE SUC
090	05 96	Referral file full	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
090	05 96	Referral file full	RECOMMENCER PROBLEME SYSTÈME	NON TRAITABLE RECOMMENCEZ S.V.P.
091	05 96	NEG file problem	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
091	05 96	NEG file problem	RECOMMENCER PROBLEME SYSTÈME	NON TRAITABLE RECOMMENCEZ S.V.P.
092	05 Q7	Advance less than minimum	OVER RETAILER LIMIT	CANNOT PROCESS OVER STORE LIMIT
092	05 Q7	Advance less than minimum	MAGASIN LIMITE DÉPASSER	NON TRAITABLE MAGASIN-LIM EXCD
093	05 96	Delinquent	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
093	05 96	Delinquent	RECOMMENCER PROBLEME SYSTÈME	NON TRAITABLE RECOMMENCEZ S.V.P.
094	05 96	Over table limit	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
094	05 96	Over table limit	RECOMMENCER PROBLEME SYSTÈME	NON TRAITABLE RECOMMENCEZ S.V.P.
095	61	Amount over maximum Amt Over Max/Transaction amount limit exceeded	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
095	61		RECOMMENCER PROBLEME SYSTÈME	NON TRAITABLE RECOMMENCEZ S.V.P.
096	82	PIN required	RE-TRY PIN ERROR	PIN ERROR PLEASE RE-TRY
096	82	PIN required	RECOMMENCER NIP ERRONÉ	NIP ERRONÉ RECOMMENCEZ S.V.P.
097	14	Mod 10 check failure	RE-TRY INVALID CARD	CANNOT PROCESS PLEASE RE-TRY
097	14	Mod 10 check failure	RECOMMENCER NO. CARTE NON VALIDE	NON TRAITABLE RECOMMENCEZ S.V.P.
098	05 96	Force Post	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
098	05 96	Force Post	RECOMMENCER PROBLEME SYSTÈME	NON TRAITABLE RECOMMENCEZ S.V.P.
099	14	Bad PBF	RE-TRY INVALID CARD	CANNOT PROCESS PLEASE RE-TRY
099	14	Bad PBF	RECOMMENCER NO. CARTE NON VALIDE	NON TRAITABLE RECOMMENCEZ S.V.P.
Referral Response Codes
100	87 91 96	Unable to process transaction Invalid Request. Contact Moneris Client POS Certification for repeat declines. Network Unavailable System Malfunction	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
100	87 91 96		RECOMMENCER PROBLEME SYSTÈME	NON TRAITABLE RECOMMENCEZ S.V.P.
101	91	Place call	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
101	91	Place call	RECOMMENCER PROBLEME SYSTÈME	NON TRAITABLE RECOMMENCEZ S.V.P.
102	33 35 37 66 96	Refer – Call Expired Card Card Acceptor Contact Call Card Accpt Acq Secur	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
102	33 35 37 66 96		RECOMMENCER PROBLEME SYSTÈME	NON TRAITABLE RECOMMENCEZ S.V.P.
103	05 96	NEG file problem	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
103	05 96	NEG file problem	RECOMMENCER PROBLEME SYSTÈME	NON TRAITABLE RECOMMENCEZ S.V.P.
104	05 96	CAF problem	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
104	05 96	CAF problem	RECOMMENCER PROBLEME SYSTÈME	NON TRAITABLE RECOMMENCEZ S.V.P.
105	05 57	Card not supported	INVALID CARD	INVALID CARD REFER TO BRANCH
105	05 57	Card not supported	CARTE NON VALIDE	CARTE NON VALIDE VOYEZ VOTRE SUC
106	05 Q7	Amount over maximum	OVER RETAILER LIMIT	CANNOT PROCESS OVER STORE LIMIT
106	05 Q7	Amount over maximum	MAGASIN LIMITE DÉPASSER	NON TRAITABLE MAGASIN-LIM EXCD
107	05 65	Over daily limit	USAGE EXCEEDED	USAGE EXCEEDED REFER TO BRANCH
107	05 65	Over daily limit	USAGE EXCÉDÉE	USAGE EXCEEDED VOYEZ VOTRE SUC
108	05 96	CAF Problem	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
108	05 96	CAF Problem	RECOMMENCER PROBLEME SYSTÈME	NON TRAITABLE RECOMMENCEZ S.V.P.
109	05 Q7	Advance less than minimum	OVER RETAILER LIMIT	CANNOT PROCESS OVER STORE LIMIT
109	05 Q7	Advance less than minimum	MAGASIN LIMITE DÉPASSER	NON TRAITABLE MAGASIN-LIM EXCD
110	05 65	Number of times used exceeded	USAGE EXCEEDED	USAGE EXCEEDED REFER TO BRANCH
110	05 65	Number of times used exceeded	USAGE EXCÉDÉE	USAGE EXCEEDED VOYEZ VOTRE SUC
111	05 96	Delinquent	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
111	05 96	Delinquent	RECOMMENCER PROBLEME SYSTÈME	NON TRAITABLE RECOMMENCEZ S.V.P.
112	05 96	Over table limit	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
112	05 96	Over table limit	RECOMMENCER PROBLEME SYSTÈME	NON TRAITABLE RECOMMENCEZ S.V.P.
113	68 96	Timeout	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
113	68 96	Timeout	RECOMMENCER PROBLEME SYSTÈME	NON TRAITABLE RECOMMENCEZ S.V.P.
115	05 96	PTLF error	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
115	05 96	PTLF error	RECOMMENCER PROBLEME SYSTÈME	NON TRAITABLE RECOMMENCEZ S.V.P.
121	05 96	Administration file problem	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
121	05 96	Administration file problem	RECOMMENCER PROBLEME SYSTÈME	NON TRAITABLE RECOMMENCEZ S.V.P.
122	81 96	Unable to validate PIN: security module down	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
122	81 96	Unable to validate PIN: security module down	RECOMMENCER ERREUR EDITION	NON TRAITABLE RECOMMENCEZ S.V.P.
System Error Response Codes
150	03 06 14	Invalid Service Code/Merchant Merchant Not On File Merchant Not on File/Invalid Merchant	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
150	03 06 14		RECOMMENCER ERREUR EDITION	NON TRAITABLE RECOMMENCEZ S.V.P.
200	06 39 42 44 52 53 76	Invalid account Invalid Card Number Invalid Account/Deny – No Account Type Requested	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
200	06 39 42 44 52 53 76		RECOMMENCER ERREUR EDITION	NON TRAITABLE RECOMMENCEZ S.V.P.
201	55 99	Incorrect PIN Invalid PIN/Incorrect personal identification number PIN Block Error	RE-TRY PIN ERROR	PIN ERROR PLEASE RE-TRY
201	55 99		RECOMMENCER NIP ERRONÉ	NIP ERRONÉ RECOMMENCEZ S.V.P.
202	13	Advance less than minimum	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
202	13	Advance less than minimum	RECOMMENCER ERREUR EDITION	NON TRAITABLE RECOMMENCEZ S.V.P.
203	05 96	Administrative card needed	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
203	05 96	Administrative card needed	RECOMMENCER PROBLEME SYSTÈME	NON TRAITABLE RECOMMENCEZ S.V.P.
204	Q7 61	Amount over maximum	OVER RETAILER LIMIT	CANNOT PROCESS OVER STORE LIMIT
204	Q7 61	Amount over maximum	MAGASIN LIMITE DÉPASSER	NON TRAITABLE MAGASIN-LIM EXCD
205	13 64	Invalid Advance Amount Original Amnt Incorrect Bad message/Invalid Amount Original transaction amount error	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
205	13 64		RECOMMENCER ERREUR EDITION	NON TRAITABLE RECOMMENCEZ S.V.P.
206	56 76 77 78	CAF not found Invalid “to” account Invalid “from” account Invalid account	CARD IS NOT SET UP	CARD NOT SET UP REFER TO BRANCH
206	56 76 77 78		CARTE INACTIVE	CARTE INACTIVE VOYEZ VOTRE SUC
207	77 Q0	Invalid transaction date	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
207	77 Q0	Invalid transaction date	RECOMMENCER ERREUR EDITION	NON TRAITABLE RECOMMENCEZ S.V.P.
208	06	Invalid expiration date	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
208	06	Invalid expiration date	RECOMMENCER ERREUR EDITION	NON TRAITABLE RECOMMENCEZ S.V.P.
209	12	Invalid transaction code	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
209	12	Invalid transaction code	RECOMMENCER ERREUR EDITION	NON TRAITABLE RECOMMENCEZ S.V.P.
210	87	PIN key sync error	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
210	87	PIN key sync error	RECOMMENCER ERREUR EDITION	NON TRAITABLE RECOMMENCEZ S.V.P.
212	91	Destination not available	ISSUER NOT ONLINE	CANNOT PROCESS SYSTEM PROBLEM
212	91	Destination not available	EMETTEUR NON RELIE	NON TRAITABLE PROBLEME SYSTÈME
251	13	Error on cash amount	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
251	13	Error on cash amount	RECOMMENCER ERREUR EDITION	NON TRAITABLE RECOMMENCEZ S.V.P.
252	40	Debit not supported	CARD NOT SUPPORTED	NOT `APPROVED` NO POS ACCESS
252	40	Debit not supported	CARTE NON ACCEPTÉE	`REFUSÉE` PAS ACCES AU TPV
Visa Response Codes
421	46	Closed Account	Card Declined Do not retry	-
421	46	Closed Account	Carte refusée Ne pas réessayer
421	04	Pick up card [no fraud]	Card Declined Do not retry	-
421	04	Pick up card [no fraud]	Carte refusée Ne pas réessayer
421	07	Pick up card, special condition [fraud account]	Card Declined Do not retry	-
421	07	Pick up card, special condition [fraud account]	Carte refusée Ne pas réessayer
421	12	Invalid transaction	Card Declined Do not retry	-
421	12	Invalid transaction	Carte refusée Ne pas réessayer
421	14	Invalid account number [no such number]	Card Declined Do not retry	-
421	14	Invalid account number [no such number]	Carte refusée Ne pas réessayer
421	15	No such issuer [first 8 digits of account number do not relate to an issuing identifier]	Card Declined Do not retry	-
421	15		Carte refusée Ne pas réessayer
421	41	Lost card, pick up	Card Declined Do not retry	-
421	41	Lost card, pick up	Carte refusée Ne pas réessayer
421	43	Stolen card, pick up	Card Declined Do not retry	-
421	43	Stolen card, pick up	Carte refusée Ne pas réessayer
421	57	Transaction not permitted to cardholder	Card Declined Do not retry	-
421	57	Transaction not permitted to cardholder	Carte refusée Ne pas réessayer
422	R0	Stop payment order	Card Declined Do not retryStop Payment Do Not Retry	-
422	R0	Stop payment order	Arrêter paiement Ne pas réessayer
422	R1	Revocation of authorization order	Card Declined Do not retryStop Payment Do Not Retry	-
422	R1	Revocation of authorization order	Arrêter paiement Ne pas réessayer
422	R3	Revocation of all authorizations order	Card Declined Do not retryStop Payment Do Not Retry	-
422	R3	Revocation of all authorizations order	Arrêter paiement Ne pas réessayer
423	6P	Verification data Failed	Declined Verification Failed	-
423	6P	Verification data Failed	Refusée Vérification échouée
MasterCard Response Codes
416	79	Life cycle declines	Declined Use Updated card	-
416	79	Life cycle declines	Refusée Entr cart à jour
416	82	Policy declines	Declined Use Updated card	-
416	82	Policy declines	Refusée Entr cart à jour
416	83	Security-related Declines	Declined Use Updated card	-
416	83	Security-related Declines	Refusée Entr cart à jour
421	79	Life cycle declines	Card Declined Do not retry	-
421	79	Life cycle declines	Carte refusée Ne pas réessayer
421	82	Policy declines	Card Declined Do not retry	-
421	82	Policy declines	Carte refusée Ne pas réessayer
421	83	Security-related Declines	Card Declined Do not retry	-
421	83	Security-related Declines	Carte refusée Ne pas réessayer
422	05	Do Not Honor	Stop Payment Do Not Retry	-
422	05	Do Not Honor	Arrêter paiement Ne pas réessayer
422	82	Policy declines	Stop Payment Do Not Retry	-
422	82	Policy declines	Arrêter paiement Ne pas réessayer
481	79	Life cycle declines	Declined	-
481	79	Life cycle declines	Refusée
481	82	Policy declines	Declined	-
481	82	Policy declines	Refusée
481	83	Security-related Declines	Declined	-
481	83	Security-related Declines	Refusée
AMEX Response Codes (Declines)
426	02	AMEX - Denial 12	CALL AMEX 12	-
426	02	AMEX - Denial 12	APPELER AMEX 12
427	07	AMEX - Invalid merchant	INVALID MERCHANT	-
427	07	AMEX - Invalid merchant	MARCHAND INCONNU
429	09	AMEX - Account error	ACCOUNT ERROR RE-TRY	-
429	09	AMEX - Account error	COMPTE ERRONÉ RECOMMENCER	-
430	10	AMEX - Expired card	EXPIRED CARD	-
430	10	AMEX - Expired card	CARTE EXPIRÉE	-
431	11	AMEX - Call Amex	CALL AMEX	-
431	11	AMEX - Call Amex	APPELER AMEX	-
434	15	AMEX - Call 03 Note: Invalid CVD (CID)	CALL AMEX 03	-
434	15	AMEX - Call 03 Note: Invalid CVD (CID)	APPELER AMEX 03	-
435	16	AMEX - System down	SYSTEM DOWN	-
435	16	AMEX - System down	SYSTÈME EN PANNE	-
436	19	AMEX - Call 05	CALL AMEX 05	-
436	19	AMEX - Call 05	APPELER AMEX 05	-
437	42	AMEX - Declined	`DECLINED`	-
437	42	AMEX - Declined	`REFUSÉE`	-
438	50	AMEX - Declined	`DECLINED`	-
438	50	AMEX - Declined	`REFUSÉE`	-
439	51	AMEX - Service error	SERVICE ERROR	-
439	51	AMEX - Service error	ERREUR DE SERVICE	-
440	53	AMEX - Call Amex	CALL AMEX	-
440	53	AMEX - Call Amex	APPELER AMEX	-
441	0A	AMEX - Amount error	AMT ERROR - RETRY	-
441	0A	AMEX - Amount error	MONTANT ERRONÉ RECOMMENCER	-
Credit Card Response Codes (Declines)
408	62	CREDIT CARD - Card use limited - Refer to branch	DECLINED	-
408	62	CREDIT CARD - Card use limited - Refer to branch	REFUSÉE	-
475	06	CREDIT CARD - Invalid expiration date	`DECLINED` - INVALID EXPIRY DATE	-
475	06	CREDIT CARD - Invalid expiration date	`REFUSÉE` DATE EXPIRÉE NON VALIDE	-
476	03 12 13 15 19 22 39 77 90 91 96 98 C1	CREDIT CARD - Invalid transaction, rejected No Credit Account Invalid transaction/Invalid related transactions Unable to process/Suspected malfunction; related transaction error Unable to Authorize: Cut off is in process Issuer not capable to process Switch system malfunction Issuer response not received by CUPS Unable to Authorize/Illegal Status of Acquirer	`DECLINED`	-
476	03 12 13 15 19 22 39 77 90 91 96 98 C1		`REFUSÉE`	-
477	14 56 N1	CREDIT CARD - Refer Call/Invalid Card Number Invalid card number (no such account) Deny – Card Not Found Items not on Bankbook beyond limit, declined/Invalid card number	`DECLINED` UNKNOWN ACCOUNT	-
477	14 56 N1		`REFUSÉE` COMPTE INCONNU	-
478	41	CREDIT CARD - Decline, Pick up card, Call	`DECLINED` 41-HOLD CARD CALL	-
478	41	CREDIT CARD - Decline, Pick up card, Call	`REFUSÉE` 41-GARDER CARTE APPELER	-
479	04 42	CREDIT CARD - Decline, Pick up card	`DECLINED` PICK UP CARD	-
479	04 42	CREDIT CARD - Decline, Pick up card	`REFUSÉE` GARDER CARTE	-
480	07 43	CREDIT CARD - Decline, Pick up card	`DECLINED` 43-HOLD CARD CALL	-
480	07 43	CREDIT CARD - Decline, Pick up card	`REFUSÉE` 43-GARDER CARTE APPELER	-
481	05 50 51 57 58 62 65 80 93	CREDIT CARD - Decline Transaction not allowed to be processed by cardholder Low funds/Insufficient Balance Invalid Transaction Transaction not allowed to be processed by merchant	`DECLINED`	-
481	05 50 51 57 58 62 65 80 93		`REFUSÉE`	-
482	54	CREDIT CARD - Expired Card	`DECLINED` EXPIRED CARD	-
482	54	CREDIT CARD - Expired Card	`REFUSÉE` CARTE EXPIRÉE	-
483	01 02 60 61	CREDIT CARD – Refer/Refer to Issuer Deny – Card Acceptor Contact Acquirer	`DECLINED` REFER CALL TO ISSUER	-
483	01 02 60 61		`REFUSÉE` Referer l’Appel á l’Émetteur	-
484	02 69	CREDIT CARD - Expired card - refer	`DECLINED`	-
484	02 69	CREDIT CARD - Expired card - refer	`REFUSÉE`	-
485	78	CREDIT CARD - Not authorized	`DECLINED`	-
485	78	CREDIT CARD - Not authorized	`REFUSÉE`	-
486	81	CREDIT CARD - CVV Cryptographic error	`DECLINED`	-
486	81	CREDIT CARD - CVV Cryptographic error	`REFUSÉE`	-
487	82	CREDIT CARD - Invalid CVV	`DECLINED`	-
487	82	CREDIT CARD - Invalid CVV	`REFUSÉE`	-
489	84	CREDIT CARD - Invalid CVV	`DECLINED`	-
489	84	CREDIT CARD - Invalid CVV	`REFUSÉE`	-
490	85	CREDIT CARD - Invalid CVV	`DECLINED`	-
490	85	CREDIT CARD - Invalid CVV	`REFUSÉE`	-
492	65	System problem - ask cardholder to insert card in chip card reader Withdrawal count exceeded	`DECLINED` – PLEASE INSERT CARD	-
492	65		REFUSÉE S.V.P. INSÉRER CARTE	-
493	51	Retry after 1 hour	Declined Retry after 1 hr	-
493	51	Retry after 1 hour	Refusée Réessayer dans 1 h	-
494	51	Retry after 24 hours	Declined Retry after 24 hrs	-
494	51	Retry after 24 hours	Refusée Réessayer dans 24 h	-
495	51	Retry after 2 days	Declined Retry after 2 days	-
495	51	Retry after 2 days	Refusée Réessayer dans 2 j	-
496	51	Retry after 4 days	Declined Retry after 4 days	-
496	51	Retry after 4 days	Refusée Réessayer dans 4 j	-
497	51	Retry after 6 days	Declined Retry after 6 days	-
497	51	Retry after 6 days	Refusée Réessayer dans 6 j	-
498	51	Retry after 8 days	Declined Retry after 8 days	-
498	51	Retry after 8 days	Refusée Réessayer dans 8 j	-
499	51	Retry after 10 days	Declined Retry after 10 days	-
499	51	Retry after 10 days	Refusée Réessayer dans 10 j	-
System Decline Response Codes
800	06	Bad format	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
800	06	Bad format	RECOMMENCER ERREUR EDITION	NON TRAITABLE RECOMMENCEZ S.V.P.
801	06	Bad data	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
801	06	Bad data	RECOMMENCER ERREUR EDITION	NON TRAITABLE RECOMMENCEZ S.V.P.
802	06	Invalid Clerk ID	INVALID CLERK ID	CANNOT PROCESS PLEASE RE-TRY
802	06	Invalid Clerk ID	COMMIS NON VALIDE	NON TRAITABLE RECOMMENCEZ S.V.P.
809	57	Bad close	RE-TRY - TRANS NOT PERMITTED	CANNOT PROCESS PLEASE RE-TRY
809	57	Bad close	RECOMMENCER OPÉRATION NON PERMISE	NON TRAITABLE RECOMMENCEZ S.V.P.
810	68	System timeout	RE-TRY SYSTEM TIMEOUT	CANNOT PROCESS PLEASE RE-TRY
810	68	System timeout	RECOMMENCER DÉLAI DÉPASSE	NON TRAITABLE RECOMMENCEZ S.V.P.
811	96	System error	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
811	96	System error	RECOMMENCER PROBLEME SYSTÈME	NON TRAITABLE RECOMMENCEZ S.V.P.
821	58	Bad response length	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
821	58	Bad response length	RECOMMENCER ERREUR EDITION	NON TRAITABLE RECOMMENCEZ S.V.P.
877	81	Invalid PIN block	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
877	81	Invalid PIN block	RECOMMENCER ERREUR EDITION	NON TRAITABLE RECOMMENCEZ S.V.P.
878	82	PIN length error	RE-TRY PIN ERROR	PIN ERROR PLEASE RE-TRY
878	82	PIN length error	RECOMMENCER NIP ERRONÉ	NIP ERRONÉ RECOMMENCEZ S.V.P.
880	-	Final packet of a multi-packet transaction	-	-
880	-	Final packet of a multi-packet transaction	-	-
881	-	Intermediate packet of a multi-packet transaction	-	-
881	-	Intermediate packet of a multi-packet transaction	-	-
889	88	MAC key sync error	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
889	88	MAC key sync error	RECOMMENCER ERREUR EDITION	NON TRAITABLE RECOMMENCEZ S.V.P.
898	63	Bad MAC value	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
898	63	Bad MAC value	RECOMMENCER ERREUR EDITION	NON TRAITABLE RECOMMENCEZ S.V.P.
899	84	Bad sequence number - resend transaction	Terminal must handle this internally - resend	Terminal must handle this internally - resend
899	84	Bad sequence number - resend transaction
900	38 75	Capture - PIN Tries Exceeded	EXCESS PIN TRIES
900	38 75	Capture - PIN Tries Exceeded	TROP ERREURS NIP
901	54	Capture - Expired Card	EXPIRED CARD
901	54	Capture - Expired Card	CARTE EXPIRÉE
902	05 36	Capture - NEG Capture	CARD RESTRICTED
902	05 36	Capture - NEG Capture	CARTE RESTREINT
903	05	Capture - CAF Status 3	CARD RESTRICTED
903	05	Capture - CAF Status 3	CARTE RESTREINT
904	05	Capture - Advance < Minimum	INVALID AMOUNT
904	05	Capture - Advance < Minimum	MONTANT NON VALIDE
905	05	Capture - Num Times Used	MAX USE EXCEEDED
905	05	Capture - Num Times Used	USAGE MAX EXCÉDÉ
906	05	Capture - Delinquent	ACCOUNT PROBLEM
906	05	Capture - Delinquent	COMPTE PROBLÈME
907	05	Capture - Over Limit Table	EXCEEDS LIMIT
907	05	Capture - Over Limit Table	LIMITE EXCÉDÉE
908	05	Capture - Amount Over Maximum	INVALID AMOUNT
908	05	Capture - Amount Over Maximum	MONTANT NON VALIDE
909	04 05 07 08 33 34 35 36 37 41 43 67	Capture - Capture Pick up Card Suspected Fraud Hard Capture Deny – Keep Card: Special Conditions Expired Card Fraud Card Acceptor Call Acquirer’s Do Not Honour	CARD RESTRICTED
909	04 05 07 08 33 34 35 36 37 41 43 67		CARTE RESTREINT
950	Q8	Admin card is not enabled on Merchant profile		Declined. Admin Card Error
950	Q8	Admin card is not enabled on Merchant profile
Admin Response Codes
960	00	Initialization Failure - No Match on Merchant ID	FAILED TO INITIALIZE MERCHANT ID ERROR
960	00	Initialization Failure - No Match on Merchant ID
961	00	Initialization Failure - No Match on PED ID	NO MATCH ON PED CONTACT HELP CENTRE
961	00	Initialization Failure - No Match on PED ID
962	00	Initialization Failure - No match on Printer ID	FAILED TO INITIALIZE PRINTER ID ERROR
962	00	Initialization Failure - No match on Printer ID
963	05	No match on Poll code	NO MATCH ON POLL CODE
963	05	No match on Poll code
964	05	Initialization Failure - No match on Concentrator ID	FAILED TO INITIALIZE CONCENTRATOR ID ERR
964	05	Initialization Failure - No match on Concentrator ID
965	05	Invalid software version number	INVALID VERSION NUMBER
965	05	Invalid software version number
966		Duplicate terminal name	DUPLICATE TERMINAL NAME
966		Duplicate terminal name
970		Terminal/Clerk table full	TABLE FULL
970		Terminal/Clerk table full	Table Pleine
983		Clerk Totals Unavailable: selected Clerk IDs do not exist or have zero totals	No Activity
983			Aucune Activite
989	88	MAC Error on Transaction 95 (Initialization and Handshake), most often, this indicates that the wrong keys have been injected into a device/KMAC Sync Error	SYSTEM PROBLEM ###
989	88		PROBLEME SYSTÈME ###
EMV Reversal Request Codes
990		Chip card declines a host approved transaction
990		Chip card declines a host approved transaction
991		Chip card removed before ICC communications are completed
991		Chip card removed before ICC communications are completed

Hosted Tokenization Exclusive Response Code

Response Code Definitions

001	Successful creation of temporary token
940	Invalid profile id (on tokenization request)
941	Error generating token
942	Invalid Profile ID, or source URL
943	Card data is invalid (not numeric, fails mod10, we will remove spaces)
944	Invalid expiration date (mmyy, must be current month or in the future)
945	Invalid CVD data (not 3-4 digits)

MERCHANT ADVICE CODE

Mastercard

CODE	MESSAGE
01	New account information available
02	Cannot approve at this time, try again later
03	Do not try again
04	Token requirements not fulfilled for this token type
05	Negotiated value not approved
21	Payment Cancellation
22	Merchant does not qualify for product code
24	Retry after 1 hour
25	Retry after 24 hours
26	Retry after 2 days
27	Retry after 4 days
28	Retry after 6 days
29	Retry after 8 days
30	Retry after 10 days
40	Consumer non-reloadable prepaid card
41	Consumer single-use virtual card number
43	Consumer multi-use virtual card number

Hosted Vault Exclusive Response Codes

CODE	MESSAGE/DESCRIPTION
914	Transaction cancelled by cardholder – The response code indicates that the cardholder pressed the transaction button. – This response is only returned if the enhanced cancel button functionality is enabled within the Hosted Paypage configuration.
983	Cannot find previous
988	Card Verification failed – Decline.
989	Card Verification failed – System Problem.
991	Invalid referrer URL - – If the Hosted Pay Page solution is configured to check the referring URL and it is incorrect this error will occur. The source URL will be included in the error. Please refer to the “Security Features” portion of the Hosted Pay Page configuration for a list of all Allowed Referring URLs.
992	VBV / Secure Code authentication failed. – This error will occur if your merchant account is configured for VBV/MCSC and the cardholder failed to enter the proper PIN during the authentication process.
993	Data error - unable to store data. – This error will occur if too much request data was passed in the transaction request or if the database failed to store the request. This may occur if unsupported characters were included in one of the posted fields.
N/A	Invalid store credentials. – There is no code generated and a blank page is loaded with the above information. The ps_store_id and/or hpp_key did not match an existing store.
N/A	Card Issuer returned corrupt data. Unable to proceed with the transaction. Please return to the site where you initiated the transaction and try again. Your card has not been charged. – There is no code generated and a blank page is loaded with the above information. This error will occur if the cardholder’s issuing bank did not return the correct data in the VbV/MCSC authentication process.

Other Response Codes

Non RB Codes	ISO Codes P-39 FIDX	Description	Terminal Message	Sped Message
599	NULL	System Decline	Decline	Decline

Moneris Developers_

My Profile_

Testing

Response Codes

Hosted Tokenization Exclusive Response Code

Response Code Definitions

MERCHANT ADVICE CODE

Mastercard

Hosted Vault Exclusive Response Codes

Other Response Codes

Moneris Developers_

My Profile_

My Favourites

Testing

Response Codes

Hosted Tokenization Exclusive Response Code

Response Code Definitions

MERCHANT ADVICE CODE

Mastercard

Hosted Vault Exclusive Response Codes

Other Response Codes