> For the complete documentation index, see [llms.txt](https://docs.payengine.co/payengine-api-v2.5/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.payengine.co/payengine-api-v2.5/error-and-response-codes/response-codes-from-credit-card-networks.md).

# Response codes from credit card networks

The following list contains the most common response

<table data-header-hidden><thead><tr><th width="150">Code</th><th>Description</th></tr></thead><tbody><tr><td>00</td><td>Approved and completed successfully</td></tr><tr><td>01</td><td>Refer to card issuer</td></tr><tr><td>02</td><td>Refer to card issuer, special condition</td></tr><tr><td>03</td><td>Invalid merchant</td></tr><tr><td>04</td><td>Pick up card (no fraud)</td></tr><tr><td>05</td><td>Do not honor</td></tr><tr><td>06</td><td>Error</td></tr><tr><td>07</td><td>Pick up card, special condition (fraud account)</td></tr><tr><td>10</td><td>Partial approval</td></tr><tr><td>11</td><td>Approved (V.I.P)</td></tr><tr><td>12</td><td>Invalid transaction</td></tr><tr><td>13</td><td>Invalid amount or currency conversion field overflow</td></tr><tr><td>14</td><td>Invalid account number (no such number)</td></tr><tr><td>15</td><td>No such issuer</td></tr><tr><td>19</td><td>Re-enter transaction</td></tr><tr><td>21</td><td>No action taken</td></tr><tr><td>25</td><td>Unable to locate record in file</td></tr><tr><td>28</td><td>File temporarily not available for update or inquiry</td></tr><tr><td>39</td><td>No credit account</td></tr><tr><td>41</td><td>Lost card, pick up (fraud account)</td></tr><tr><td>42</td><td>Stolen card, pick up (fraud account)</td></tr><tr><td>51</td><td>Not sufficient funds</td></tr><tr><td>52</td><td>No checking account</td></tr><tr><td>53</td><td>No savings account</td></tr><tr><td>54</td><td>Expired card or expiration date is missing</td></tr><tr><td>55</td><td>Incorrect PIN or PIN missing</td></tr><tr><td>57</td><td>Transaction not permitted to cardholder</td></tr><tr><td>58</td><td>Transaction not allowed at terminal</td></tr><tr><td>59</td><td>Suspected fraud</td></tr><tr><td>61</td><td>Exceeds approval amount limit</td></tr><tr><td>62</td><td>Restricted card (card invalid in this region or country)</td></tr><tr><td>63</td><td>Security violation (source is not correct issuer)</td></tr><tr><td>64</td><td>Transaction does not fulfill AML requirement</td></tr><tr><td>65</td><td>Exceeds withdrawal frequency limit</td></tr><tr><td>70</td><td>PIN data required</td></tr><tr><td>74</td><td>Different value than that used for PIN encryption errors</td></tr><tr><td>75</td><td>Allowable number of PIN entry tries exceeded</td></tr><tr><td>76</td><td>Unsolicited reversal</td></tr><tr><td>78</td><td>“Blocked, first used”—Transaction from new cardholder, and card not properly unblocked</td></tr><tr><td>79</td><td>Already reversed (by Switch)</td></tr><tr><td>80</td><td>No financial impact</td></tr><tr><td>81</td><td>Cryptographic error found in PIN</td></tr><tr><td>82</td><td>Negative CAM, dCVV, iCVV, or CVV results</td></tr><tr><td>85</td><td>No reason to decline a request for address verification, CVV2 verification, or a credit voucher or merchandise return</td></tr><tr><td>86</td><td>Cannot verify PIN; for example, no PVV</td></tr><tr><td>89</td><td>Ineligible to receive financial position information (GIV)</td></tr><tr><td>91</td><td>Issuer or switch inoperative and STIP not applicable or not available for this transaction; Time-out when no stand-in; POS Check Service: Destination unavailable; Credit Voucher and Merchandise Return Authorizations: V.I.P. sent the transaction to the issuer, but the issuer was unavailable.</td></tr><tr><td>92</td><td>Financial institution or intermediate network facility cannot be found for routing (receiving institution ID is invalid)</td></tr><tr><td>93</td><td>Transaction cannot be completed - violation of law</td></tr><tr><td>1A</td><td>Additional customer authentication required</td></tr><tr><td>B1</td><td>Surcharge amount not permitted on Visa cards or EBT food stamps (U.S. acquirers only)</td></tr><tr><td>B2</td><td>Surcharge amount not supported by debit network issuer</td></tr><tr><td>N0</td><td>Force STIP</td></tr><tr><td>N3</td><td>Cash service not available</td></tr><tr><td>N4</td><td>Cash request exceeds issuer or approved limit</td></tr><tr><td>N5</td><td>Ineligible for resubmission</td></tr><tr><td>N7</td><td>Decline for CVV2 failure</td></tr><tr><td>N8</td><td>Transaction amount exceeds preauthorized approval amount</td></tr><tr><td>P5</td><td>Denied PIN unblock—PIN change or unblock request declined by issuer</td></tr><tr><td>P6</td><td>Denied PIN change—requested PIN unsafe</td></tr><tr><td>Q1</td><td>Card Authentication failed</td></tr><tr><td>R0</td><td>Stop Payment Order</td></tr><tr><td>R2</td><td>Transaction does not qualify for Visa PIN</td></tr><tr><td>R3</td><td>Revocation of all authorizations order</td></tr><tr><td>Z3</td><td>Unable to go online; offline-declined</td></tr></tbody></table>