Response Code Tables

Overview

Standardized codes that reflect the outcomes of your API Requests.

Visa

RBC Code	ISO Code	Description	Terminal Message	PINPAD Message
000	01	Approved	APPROVED	APPROVED
001	00	Offline Approved	APPROVED	APPROVED
001	00	Unable to go online; offline approved	APPROVED	APPROVED
004	00	Tran approved, with id.	APPROVED	APPROVED
010	10	Approval for partial amt	APPROVED	APPROVED
027	01	Approved	APPROVED	N/A
027	01	No reason to deny, acct verification	APPROVED	N/A
028	04	Approved VIP	APPROVED	N/A
029	77	No action taken, cant backout	APPROVED	N/A
029	77	Unable to locate original txn.	APPROVED	N/A
050	06	Error	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	59	Suspected fraud	DECLINED ERROR 050	DECLINED
050	84	Pre-auth time limit too great	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	B1	Surcharge amount not permitted on Visa cards	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	Z1	Offline Declined	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	Z3	Unable to go online; offline declined	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	Q1	Card authentication failed	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
052	75	PIN tries exceeded	EXCESS PIN TRIES	EXCESS PIN TRIES REFER TO BRANCH
073	92	Invalid receiving inst id	INVALID CARD	INVALID CARD REFER TO BRANCH
074	63	Security violation	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
487	82	Negative CAM, dCVV, iCVV, or CVV results	DECLINED	DECLINED
074	83	STIP cannot approve	ISSUER NOT ONLINE	CANNOT PROCESS SYSTEM PROBLEM
074	86	Cannot verify pin, no PVV	ISSUER NOT ONLINE	CANNOT PROCESS SYSTEM PROBLEM
078	09	Request in process	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
078	94	Duplicate tran	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
078	79	Already Reversed (by switch)	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
113	68	Timeout	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
200	39	No credit account	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
200	52	No checking account	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
200	53	No savings account	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
481	1A	Additional customer authentication required	DECLINED	N/A
201	55	PIN incorrect	RE-TRY PIN ERROR	PIN ERROR PLEASE RE-TRY
481	70	PIN data required	DECLINED	N/A
421	04	Pick up card (no fraud)	CARD DECLINED DO NOT RETRY	CARD DECLINED DO NOT RETRY
421	07	Pick up card, special condition (fraud account)	CARD DECLINED DO NOT RETRY	CARD DECLINED DO NOT RETRY
421	12	Invalid Transaction	CARD DECLINED DO NOT RETRY	CARD DECLINED DO NOT RETRY
421	14	Invalid PAN	CARD DECLINED DO NOT RETRY	CARD DECLINED DO NOT RETRY
421	14	Invalid PAN	CARD DECLINED DO NOT RETRY	CARD DECLINED DO NOT RETRY
421	15	No such issuer	CARD DECLINED DO NOT RETRY	CARD DECLINED DO NOT RETRY
421	41	Lost card, pick up	CARD DECLINED DO NOT RETRY	CARD DECLINED DO NOT RETRY
421	43	Stolen card, pick up	CARD DECLINED DO NOT RETRY	CARD DECLINED DO NOT RETRY
421	46	Closed account	CARD DECLINED DO NOT RETRY	CARD DECLINED DO NOT RETRY
421	57	Txn not allowed	CARD DECLINED DO NOT RETRY	CARD DECLINED DO NOT RETRY
422	R0	Stop payment order	STOP PAYMENT DO NOT RETRY	STOP PAYMENT DO NOT RETRY
422	R1	Revocation of auth order	STOP PAYMENT DO NOT RETRY	STOP PAYMENT DO NOT RETRY
422	R3	Revocation of All Authorizations Order	STOP PAYMENT DO NOT RETRY	STOP PAYMENT DO NOT RETRY
423	6P	Verification data failed	DECLINED VERIFICATION FAILED	DECLINED VERIFICATION FAILED
476	03	Merchant invalid on network	DECLINED	N/A
476	13	Invalid amount	DECLINED	N/A
476	19	Re-enter transaction	DECLINED	N/A
476	77	Inconsistent with original	DECLINED	N/A
476	91	Destination unavailable	DECLINED	N/A
476	96	System malfunction	DECLINED	N/A
476	25	Unable to locate record on file	DECLINED	N/A
476	28	File temporarily not available for update or inquiry	DECLINED	N/A
481	05	Do not honor	DECLINED	N/A
481	39	No Credit Account	DECLINED	N/A
481	51	Not sufficient funds	DECLINED	N/A
481	52	No Checking Account	DECLINED	N/A
481	53	No Savings Account	DECLINED	N/A
481	58	Tran not allowed	DECLINED	N/A
481	62	Restricted card	DECLINED	N/A
481	65	Exceeds withdrawal frequency limit	DECLINED	N/A
481	80	No financial impact (reversal resp to declined original)	DECLINED	N/A
481	93	Tran not allowed, violates law	DECLINED	N/A
481	64	Transaction does not fulfill AML requirement	DECLINED	N/A
481	74	Different value than that used for PIN	DECLINED	N/A
481	5C	Transaction not supported/blocked by issuer	Declined	N/A
481	9G	Blocked by cardholder/contact cardholder	Declined	N/A
481	R2	The txn Does not qualify for Visa PIN	DECLINED	N/A
482	54	Expired card	DECLINED EXPIRED CARD	N/A
483	02	Refer to Card Issuer	DECLINED REFER CALL TO ISSUER	N/A
483	61	Exceeds approval amt limit	DECLINED REFER CALL TO ISSUER	N/A
483	N3	Cash service not available	DECLINED REFER CALL TO ISSUER	CANNOT PROCESS PLEASE RE-TRY
483	N4	Cash request exceeds limit	DECLINED REFER CALL TO ISSUER	N/A
483	N7	Decline for CVV2 failure	DECLINED REFER CALL TO ISSUER	N/A
483	N8	Tran amt > preauth apprv amt	DECLINED REFER CALL TO ISSUER	N/A
484	02	Refer to Card Issuer spec cond.	DECLINED REFER CALL TO ISSUER	N/A
485	78	New cardholder not activated or card is temporarily blocked	CARD DECLINED	N/A
486	81	Cryptographic pin error	DECLINED	N/A
801	06	Bad data Purchase with Cashback – invalid Cashback value in FID C	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
842	NS	Installment plan lookup error	DECLINED	N/A

MasterCard

RBC Code	Host FID X (ISO CODE)	Description	Terminal Message	PED Message
030	87	Purchase Amount Only, No Cash Back allowed	APPROVED WITHOUT CASHBACK	APPROVED WITHOUT CASHBACK
001	85	Not Declined	APPROVED	APPROVED
004	00	Honor with id	APPROVED	APPROVED
010	10	Approval for partial amt	APPROVED	APPROVED
027	01	Approved	APPROVED	N/A
050	84	Invalid auth life cycle	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
056	81	Domestic Debit Txn Not Allowed (Regional use only)	CARD NOT SUPPORTED	NOT APPROVED NO POS ACCESS
069	30	Format error	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
073	92	Unable to route transaction	INVALID CARD	INVALID CARD REFER TO BRANCH
074	86	PIN Validation Not Possible	ISSUER NOT ONLINE	CANNOT PROCESS SYSTEM PROBLEM
074	88	Cryptographic Failure	DECLINED	DECLINED
074	89	Unacceptable PIN; Transaction Declined; Re-try	ISSUER NOT ONLINE	CANNOT PROCESS SYSTEM PROBLEM
078	94	Dupicate transmission	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
113	68	Timeout	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
201	55	PIN incorrect	RE-TRY PIN ERROR	PIN ERROR PLEASE RE-TRY
416	79	Life cycle	DECLINED USE UPDATED CARD	DECLINED USE UPDATED CARD
416	82	Policy	DECLINED USE UPDATED CARD	DECLINED USE UPDATED CARD
416	83	Fraud/Security	DECLINED USE UPDATED CARD	DECLINED USE UPDATED CARD
421	79	Life cycle	CARD DECLINED DO NOT RETRY	CARD DECLINED DO NOT RETRY
421	82	Policy	CARD DECLINED DO NOT RETRY	CARD DECLINED DO NOT RETRY
421	83	Fraud/Security	CARD DECLINED DO NOT RETRY	CARD DECLINED DO NOT RETRY
422	05	Do not honor	STOP PAYMENT DO NOT RETRY	STOP PAYMENT DO NOT RETRY
422	82	Policy	STOP PAYMENT DO NOT RETRY	STOP PAYMENT DO NOT RETRY
476	03	Merchant invalid on network	DECLINED	N/A
476	12	Invalid Transaction	DECLINED	N/A
476	13	Invalid amount	DECLINED	N/A
476	15	Card iss. not found	DECLINED	N/A
476	91	Switch or issuer inoperative	DECLINED	N/A
476	96	System error	DECLINED	N/A
476	12	Contact Card Issuer	DECLINED	N/A
476	71	PIN Not Changed	DECLINED	N/A
476	75	PIN tries exceeded	DECLINED	N/A
476	76	Invalid to account	DECLINED	N/A
476	77	Invalid from account	DECLINED	N/A
476	78	Invalid account	DECLINED	N/A
477	14	Invalid card number	DECLINED UNKNOWN ACCOUNT	N/A
478	41	Lost card, pick up	DECLINED 41-HOLD CARD CALL	N/A
479	04	Capture Card	DECLINED PICK UP CARD	N/A
480	43	Stolen card, pick up	DECLINED 43-HOLD CARD CALL	N/A
481	05	Do not honor	DECLINED	N/A
481	51	Not sufficient funds	DECLINED	N/A
481	57	Tran not allowed to issuer	DECLINED	N/A
481	58	Tran not permitted to acq	DECLINED	N/A
481	62	Restricted card	DECLINED	N/A
481	79	Life cycle	DECLINED	N/A
481	79	Life cycle	DECLINED	N/A
481	82	Policy	DECLINED	N/A
481	83	Fraud/Security	DECLINED	N/A
481	46	Closed Account	Declined	N/A
481	72	Account Not Active	Declined	N/A
482	54	Expired card	DECLINED EXPIRED CARD	N/A
483	02	Refer to card issuer	DECLINED REFER CALL TO ISSUER	N/A
483	61	Exceeds approval amt limit	DECLINED REFER CALL TO ISSUER	N/A
492	65	Exceeds withdrawal count	WITHDRAWAL COUNT EXCEEDED	N/A
898	63	Security violation	DECLINED	CANNOT PROCESS PLEASE RE-TRY
493	51	Transaction has been declined due to insufficient funds/over credit limit. Transaction may be resubmitted for authorization after one hour	Declined Retry after 1 hr	N/A
494	51	Transaction has been declined due to insufficient funds/over credit limit. Transaction may be resubmitted for authorization after 24 hours	Declined Retry after 24 hrs	N/A
495	51	Transaction has been declined due to insufficient funds/over credit limit. Transaction may be resubmitted for authorization after 2 days	Declined Retry after 2 days	N/A
496	51	Transaction has been declined due to insufficient funds/over credit limit. Transaction may be resubmitted for authorization after 4 days	Declined Retry after 4 days	N/A
497	51	Transaction has been declined due to insufficient funds/over credit limit. Transaction may be resubmitted for authorization after 6 days	Declined Retry after 6 day.	N/A
498	51	Transaction has been declined due to insufficient funds/over credit limit. Transaction may be resubmitted for authorization after 8 days	Declined Retry after 8 days	N/A
499	51	Transaction has been declined due to insufficient funds/over credit limit. Transaction may be resubmitted for authorization after 10 days	Declined Retry after 8 days	N/A

Amex-JCB

RBC Code	ISO Code	Description	Terminal Message	PED Message
000	00	Reversal accepted	APPROVED	APPROVED
000	00	Network message accepted	APPROVED	APPROVED
010	10	Partial Approval (Prepaid Cards Only)	APPROVED	APPROVED
025	00	Approved	APPROVED	N/A
025	00	Approve with ID	APPROVED	N/A
025	00	Approve VIP	APPROVED	N/A
025	00	Approved	APPROVED	N/A
052	75	Exceeded PIN attempts	EXCESS PIN TRIES	EXCESS PIN TRIES REFER TO BRANCH
073	92	Unable to route transaction	INVALID CARD	INVALID CARD REFER TO BRANCH
481	51	Not Sufficient Funds	DECLINED INSUFFICIENT FUNDS	NULL NULL
095	61	Limit Exceeded	DECLINED AMOUNT OVER MAX	DECLINED REFER TO BRANCH
113	68	Timeout	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
201	55	PIN Incorrect	RE-TRY PIN ERROR	PIN ERROR PLEASE RE-TRY
427	07	Invalid merchant	INVALID MERCHANT	N/A
427	07	Deny - Cancel/Closed Merch	INVALID MERCHANT	N/A
429	09	Invalid account	ACCOUNT ERROR RE-TRY	N/A
429	09	Cardmember not enrolled / not permitted	ACCOUNT ERROR RE-TRY	N/A
429	09	Invalid Transaction	ACCOUNT ERROR RE-TRY	N/A
430	10	Expired card	EXPIRED CARD	N/A
434	15	Invalid card (CID) security code	INVALID CID 4DBC	N/A
435	16	Issuer Not available	SYSTEM DOWN	N/A
437	42	Deny - Pick up card	DECLINED CALL AMERICAN EXPRESS	N/A
438	50	Deny	DECLINED CALL AMERICAN EXPRESS	N/A
438	50	Invalid effective date	DECLINED CALL AMERICAN EXPRESS	N/A
438	50	Format error	DECLINED CALL AMERICAN EXPRESS	N/A
438	50	Invalid currency code	DECLINED CALL AMERICAN EXPRESS	N/A
438	50	Deny - New card issued	DECLINED CALL AMERICAN EXPRESS	N/A
438	50	Deny - Account Canceled	DECLINED CALL AMERICAN EXPRESS	N/A
438	50	Request Timeout	DECLINED CALL AMERICAN EXPRESS	N/A
438	50	System malfunction	DECLINED CALL AMERICAN EXPRESS	N/A
439	51	Service not permitted	SERVICE ERROR	N/A
440	53	Please Call Issuer	CALL AMERICAN EXPRESS	N/A
441	0A	Invalid amount	AMT ERROR RETRY	N/A
477	14	Invalid card number	DECLINED UNKNOWN ACCOUNT	N/A
481	50	Do not honor	DECLINED	N/A
481	50	Invalid country	DECLINED	N/A

Discover

RBC Code	ISO Code	Description	Terminal Message	PINPAD Message
000	96	System up	APPROVED	APPROVED
000	96	Soft down	APPROVED	APPROVED
000	96	System down	APPROVED	APPROVED
027	00	Approved	APPROVED	N/A
001	00	Approved	APPROVED	APPROVED
001	00	No reason to decline	APPROVED	APPROVED
010	10	Approved for partial amount	APPROVED	APPROVED
050	96	Capture card	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	96	Do not honor	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	96	Pick up card, special condition	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	96	Lost card	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	96	Stolen card	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	96	Decline	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	96	Suspected fraud	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	96	Hard capture (Requires ATM pickup)	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	96	Domain restriction controls failure	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
052	75	Allowable PIN retries exceeded	EXCESS PIN TRIES	EXCESS PIN TRIES REFER TO BRANCH
053	58	Bank not supported by switch	NO CHARGING RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
054	96	Security violation	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
056	40	Requested function not supported	CARD NOT SUPPORTED	NOT APPROVED NO POS ACCESS
056	40	Transaction not permitted to issuer/cardholder	CARD NOT SUPPORTED	NOT APPROVED NO POS ACCESS
056	40	Transaction not permitted to acquirer/terminal	CARD NOT SUPPORTED	NOT APPROVED NO POS ACCESS
059	62	Restricted card	CARD USE LIMITED	CARD USE LIMITED REFER TO BRANCH
069	06	Format error	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
071	92	Unable to route transaction	INVALID CARD	INVALID CARD REFER TO BRANCH
074	91	Re-enter transaction	ISSUER NOT ONLINE	CANNOT PROCESS SYSTEM PROBLEM
074	91	Authorisation system or issuer system inoperative	ISSUER NOT ONLINE	CANNOT PROCESS SYSTEM PROBLEM
074	91	Transaction cannot be completed, violation of law	ISSUER NOT ONLINE	CANNOT PROCESS SYSTEM PROBLEM
078	94	Duplicate transmission detected	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
078	94	Already Reversed (by switch)	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
082	65	Exceeds withdrawal count limit	USAGE EXCEEDED	USAGE EXCEEDED REFER TO BRANCH
095	61	Exceeds withdrawal amount limit	LIMIT EXCEEDED REFER TO BRANCH	DECLINED REFER TO BRANCH
100	91	Network unavailable	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
100	91	System malfunction	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
102	96	Card acceptor Call Acquirer Security Dept	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
113	68	Response received too late	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
150	06	Invalid merchant	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
201	55	Invalid PIN	RE-TRY PIN ERROR	PIN ERROR PLEASE RE-TRY
205	13	Original amount incorrect	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
206	56	No card record	CARD IS NOT SET UP	CARD NOT SET UP REFER TO BRANCH
206	56	Invalid to account specified	CARD IS NOT SET UP	CARD NOT SET UP REFER TO BRANCH
206	56	Invalid from account specified	CARD IS NOT SET UP	CARD NOT SET UP REFER TO BRANCH
476	12	Invalid transaction	DECLINED	N/A
476	06	No credit account	DECLINED	N/A
476	12	Invalid amount	DECLINED	N/A
477	14	Invalid card number	DECLINED UNKNOWN ACCOUNT	N/A
482	54	Expired card	DECLINED EXPIRED CARD	N/A
483	60	Card acceptor Contact Acquirer	DECLINED REFER CALL TO ISSUER	N/A
483	60	Decline for AVS or CID mismatch	DECLINED REFER CALL TO ISSUER	N/A
483	60	PIN change/unblock failed	DECLINED REFER CALL TO ISSUER	N/A
483	60	New PIN not accepted	DECLINED REFER CALL TO ISSUER	N/A
900	75	Allowable PIN retries exceeded	EXCESS PIN TRIES	EXPIRED CARD REFER TO BRANCH

Union Pay

RBC Code	ISO Code	Description	Terminal Message	PINPAD Message
000	A2	Successful txn with fault	APPROVED	APPROVED
000	A4	Successful txn with fault	APPROVED	APPROVED
000	A5	Successful txn with fault	APPROVED	APPROVED
000	A6	Successful txn with fault	APPROVED	APPROVED
000	D4	File processed	APPROVED	APPROVED
027	00	Approved or completed successfully	APPROVED	APPROVED
001	11	VIP	APPROVED	APPROVED
001	Y1	Advice acknowledged	APPROVED	APPROVED
001	Y3	Advice acknowledged	APPROVED	APPROVED
010	10	Partial amount approved	APPROVED	APPROVED
050	01	Refer to card issuers	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	05	ID certification fails	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	21	Card not initialized	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	25	Unable to locate original txn	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	45	Fallback txn is not allowed	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	59	Suspected fraud	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
095	65	Exceeds withdrawal limit	LIMIT EXCEEDED REFER TO BRANCH	DECLINED REFER TO BRANCH
050	97	ATM/POS TID cannot be located	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	A0	MAC failed	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	A3	Account not found-tsfin	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	A7	Security processing failure	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	B1	No arrears	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	D3	Invalid file type	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	D5	No such file	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	D7	File locked	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	D8	Unsuccesful	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	D9	Incorrect file length	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	DA	File decompression error	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	DB	File name error	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	DC	File cannot be received	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	F1	File record format error	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	F2	File record repeated	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	F3	File record not existing	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	F4	File record error	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	Z1	Deny-do not honour	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	Z3	Deny-do not honour	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	P1	Contact number of cardholder not found	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
052	38	PIN try limit exceeded	EXCESS PIN TRIES	EXCESS PIN TRIES REFER TO BRANCH
052	75	PIN retrieds exceeded	EXCESS PIN TRIES	EXCESS PIN TRIES REFER TO BRANCH
056	40	Function requested not supported	CARD NOT SUPPORTED	NOT APPROVED NO POS ACCESS
056	D6	Not supported by receiver	CARD NOT SUPPORTED	NOT APPROVED NO POS ACCESS
057	41	Lost card	CARD USE LIMITED	CARD USE LIMITED REFER TO BRANCH
057	43	Stolen card	CARD USE LIMITED	CARD USE LIMITED REFER TO BRANCH
059	62	Restricted card	CARD USE LIMITED	CARD USE LIMITED REFER TO BRANCH
067	D2	Date error	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
069	30	Format error	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
070	15	No such issuer	INVALID CARD	INVALID CARD REFER TO BRANCH
071	92	Unable to route	INVALID CARD	INVALID CARD REFER TO BRANCH
078	94	Duplicated txn	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
095	61	Txn amount limit exceeded	LIMIT EXCEEDED REFER TO BRANCH	DECLINED REFER TO BRANCH
113	68	Issuer response timeout	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
150	03	Invalid merchant	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
201	55	Incorrect PIN	RE-TRY PIN ERROR	PIN ERROR PLEASE RE-TRY
201	99	PIN block error	RE-TRY PIN ERROR	PIN ERROR PLEASE RE-TRY
205	13	Invalid amount	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
205	64	Original txn error	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
055	12	Invalid related transaction	CARD NOT SUPPORTED	NOT APPROVED NO POS ACCESS
476	22	Suspected malfunction	DECLINED	N/A
476	90	Cutoff is in progress	DECLINED	N/A
476	91	Issuer not capable to process	DECLINED	N/A
476	96	Switch system malfunction	DECLINED	N/A
476	98	Issuer response not received	DECLINED	N/A
476	C1	Illegal status of acquirer	DECLINED	N/A
476	D1	Incorrect IIN	DECLINED	N/A
477	N1	Items not on bankbook	DECLINED UNKNOWN ACCOUNT	N/A
477	14	Invalid card number	DECLINED UNKNOWN ACCOUNT	N/A
481	51	Insufficient balance	DECLINED	N/A
481	57	Txn not allowed by cardholder	DECLINED	N/A
481	58	Txn not allowed by terminal	DECLINED	N/A
482	54	Expired card	DECLINED EXPIRED CARD	N/A
909	04	Pick-up	DECLINED ADMIN CARD ERROR	CANCELLED
909	34	Fraud	DECLINED ADMIN CARD ERROR	CANCELLED

Interac

RBC Code	ISO Code	Description	Terminal Message	PINPAD Message
001	00	Approved	APPROVED	APPROVED
050	19	RFI Error – Re-Enter Transaction	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
050	59	ARQC Error	DECLINED	DECLINED
050	Q9	Response Not Listed Above Had Been Received	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
051	54	Expired Card	EXPIRED CARD	EXPIRED CARD REFER TO BRANCH
052	75	Allowable Number of PIN Tries Exceeded	EXCESS PIN TRIES	EXCESS PIN TRIES REFER TO BRANCH
055	58	Transaction Not Permitted to Terminal	CARD NOT SUPPORTED	NOT APPROVED NO POS ACCESS
056	24	ATC Check Failure	CARD NOT SUPPORTED	NOT APPROVED NO POS ACCESS
056	25	CVR Decline	CARD NOT SUPPORTED	NOT APPROVED NO POS ACCESS
056	26	CVR Decline	CARD NOT SUPPORTED	NOT APPROVED NO POS ACCESS
056	27	ARQC Decline	CARD NOT SUPPORTED	NOT APPROVED NO POS ACCESS
056	28	Fallback Decline	CARD NOT SUPPORTED	NOT APPROVED NO POS ACCESS
056	40	Requested Function Not Supported	CARD NOT SUPPORTED	NOT APPROVED NO POS ACCESS
056	57	Transaction Not permitted to Cardholder	CARD NOT SUPPORTED	NOT APPROVED NO POS ACCESS
056	30	No CVMs Results	CARD NOT SUPPORTED	NOT APPROVED NO POS ACCESS
058	05	Do Not Honor	CARD USE LIMITED	CARD USE LIMITED REFER TO BRANCH
059	62	Restricted Card	CARD USE LIMITED	CARD USE LIMITED REFER TO BRANCH
060	52	No Chequing Account	NO CHEQING ACCT RE-TRY OR CANCEL	CHQ NOT SET UP REFER TO BRANCH
060	53	No Savings Account	NO SAVINGS ACCT RE-TRY OR CANCEL	SAV NOT SET UP REFER TO BRANCH
064	14	Edit Error in PAN	RE-TRY INVALID CARD #	CANNOT PROCESS PLEASE RE-TRY
067	77	Invalid Capture Date/Completion Received after 48 hours	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
069	06	Edit error	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
069	13	Invalid Amount	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
074	85	No Keys Available for Use	ISSUER NOT ONLINE	CANNOT PROCESS SYSTEM PROBLEM
074	86	Message Encryption Key Synchronization Error	ISSUER NOT ONLINE	CANNOT PROCESS SYSTEM PROBLEM
074	87	PIN Key Synchronization Error	ISSUER NOT ONLINE	CANNOT PROCESS SYSTEM PROBLEM
074	88	MAC Key Synchronization Error	ISSUER NOT ONLINE	CANNOT PROCESS SYSTEM PROBLEM
074	89	Transaction to be terminated in favour of contact interface	DECLINED SYSTEM PROBLEM	CANNOT PROCESS PLEASE RETRY
074	91	Issuer Inc or Switch is Inoperative	ISSUER NOT ONLINE	CANNOT PROCESS SYSTEM PROBLEM
074	96	System Malfunction	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS SYSTEM PROBLEM
076	51	Non-Sufficient Funds	INSUFFICIENT FUNDS	NOT APPROVED $ NOT AVAILABLE
078	94	Duplicate Transmission	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
082	65	Exceeds Withdrawal Frequency Limit	USAGE EXCEEDED	USAGE EXCEEDED REFER TO BRANCH
095	61	Exceeds Withdrawal Limit/Completion Amount/Original Amount	LIMIT EXCEEDED REFER TO BRANCH	DECLINED REFER TO BRANCH
073	92	Financial Inst/Intermediate Network Not Found for Routing	INVALID CARD	INVALID CARD REFER TO BRANCH
201	55	Incorrect Personal Identification Number	RE-TRY PIN ERROR	PIN ERROR PLEASE RE-TRY
206	56	No Card Record	CARD IS NOT SET UP	CARD NOT SET UP REFER TO BRANCH
207	Q0	Edit Error in Capture Date	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
209	12	Invalid Processing Code	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
810	68	Response Received Too late (Time-Out)	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
877	81	Invalid PIN Block	DECLINED EXPIRED CARD	EXPIRED CARD REFER TO BRANCH
878	82	PIN Length Error	RE-TRY PIN ERROR	PIN ERROR PLEASE RE-TRY
898	63	Security Violation. MAC Value is Incorrect	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
909	41	Lost Card, Pick Up	DECLINED ADMIN CARD ERROR	CANCELLED

Moneris Decline

RBC Code	ISO Code	RBC Code Description	Terminal Message	PINPAD Message
050	96	Decline - Declined	DECLINED ERROR 050	DECLINED
051	54	Decline - Expired Card	DECLINED EXPIRED CARD	EXPIRED CARD REFER TO BRANCH
052	75	Decline - Exceeded Pin Tries	DECLINED EXCESS PIN TRIES	EXCESS PIN TRIES REFER TO BRANCH
053	58	Decline - No Sharing	DECLINED INVALID CARD	INVALID CARD
054	96	Decline - No Atalla Box	DECLINED MAC NOT CREATED	SYSTEM PROBLEM
055	40	Decline - Invalid Tran	DECLINED INVALID TRANSACTION	CANNOT PROCESS INVALID TRANS
056	40	Decline - No Support	DECLINED CARD USE LIMITED	DECLINED CARD USE LIMITED
057	62	Decline - Lost Or Stolen Card	DECLINED CARD USE LIMITED	DECLINED CARD USE LIMITED
058	62	Decline - Invalid Status	DECLINED CARD PROBLEM	CARD PROBLEM
059	62	Decline - Restricted	DECLINED CARD USE LIMITED	CARD USE LIMITED REFER TO BRANCH
060	56	Decline - No Accounts	DECLINED INVALID ACCOUNT	CANNOT PROCESS INVALID ACCOUNT
061	56	Decline - No Pbf	DECLINED-ADMIN PIN TRIES EXCEEDED	ADMIN TRIES EXCEEDED
062	96	Decline - Pbf Update Error	DECLINED INVALID ADMIN PIN	INVALID ADMIN PIN
063	96	Decline - Invalid Auth Type	DECLINED SYSTEM PROBLEM	CANNOT PROCESS PLEASE RETRY
064	14	Decline - Bad Track2	DECLINED CARD PROBLEM	CARD PROBLEM
065	RA	Decline - Adj Not Allowed	DECLINED EXCEEDS CORR. LIMIT	Cannot Process Over Store Limit
066	96	Decline - Invalid Increment	DECLINED INVALID AMOUNT	INVALID AMOUNT
067	77	Decline - Invalid Tran Date	DECLINED INVALID DATE	INVALID DATE
068	96	Decline - Tlf Error	DECLINED SYSTEM PROBLEM	CANNOT PROCESS PLEASE RETRY
069	06	Decline - Msg Edit Error	DECLINED SYSTEM PROBLEM	CANNOT PROCESS PLEASE RETRY
070	92	Decline - No Idf Record	DECLINED SYSTEM PROBLEM	CANNOT PROCESS PLEASE RETRY
071	92	Decline - Invalid Route Auth	DECLINED SYSTEM PROBLEM	CANNOT PROCESS PLEASE RETRY
072	05	Decline - On Nat'l Neg	DECLINED CARD USE LIMITED	DECLINED CARD USE LIMITED
073	92	Decline - Inv Route Service	DECLINED SYSTEM PROBLEM	CANNOT PROCESS PLEASE RETRY
074	91	Decline - Unable To Authorize	DECLINED SYSTEM PROBLEM	CANNOT PROCESS PLEASE RETRY
075	14	Decline - Invalid Pan Length	DECLINED CARD PROBLEM	CARD PROBLEM
076	51	Decline - Low Funds	DECLINED FUNDS NOT AVAILABLE	FUNDS NOT AVAIL.
077	61	Decline - Pre-Auth Full	DECLINED SYSTEM PROBLEM	CANNOT PROCESS PLEASE RETRY
078	94	Decline - Duplicate Tran	DECLINED SYSTEM PROBLEM	CANNOT PROCESS PLEASE RETRY
079	61	Decline - Max Refund Online	DECLINED EXCEEDS REFUND LIMIT	CANNOT PROCESS EXCEEDS LIMIT
080	61	Decline - Max Refund Offline	DECLINED EXCEEDS REFUND LIMIT	CANNOT PROCESS EXCEEDS LIMIT
081	61	Decline - Max Per Refund	DECLINED EXCEEDS REFUND LIMIT	CANNOT PROCESS EXCEEDS LIMIT
082	65	Decline - Num Times Used	DECLINED MAX USE EXCEEDED	CANNOT PROCESS MAX USE EXCEEDED
083	61	Decline - Max Refund Total	DECLINED EXCEEDS REFUND LIMIT	CANNOT PROCESS EXCEEDS LIMIT
084	96	Decline - Cust Neg Reason	DECLINED INVALID REVERSAL	INVALID REVERSAL
085	40	Decline - Inq Not Allowed	DECLINED BALANCE UNAVAILABLE	BALANCE UNAVAILABLE
086	96	Decline - Over Floor Limit	DECLINED AMT OVER MAX	CANNOT PROCESS EXCEEDS LIMIT
087	Q7	Decline - Max Refund Number	DECLINED EXCEEDS REFUND LIMIT	CANNOT PROCESS EXCEEDS LIMIT
088	96	Decline - Place Call	DECLINED SYSTEM PROBLEM	CANNOT PROCESS SYSTEM PROBLEM
089	62	Decline - Caf Status 0 Or 9	DECLINED CARD PROBLEM	CARD PROBLEM
090	96	Decline - Referral File Full	DECLINED SYSTEM PROBLEM	CANNOT PROCESS PLEASE RETRY
091	96	Decline - Neg File Problem	DECLINED SYSTEM PROBLEM	CANNOT PROCESS PLEASE RETRY
092	Q7	Decline - Advance < Minimum	DECLINED INVALID AMOUNT	INVALID AMOUNT
093	96	Decline - Delinquent	DECLINED ACCOUNT PROBLEM	CANNOT PROCESS ACCOUNT PROBLEM
094	96	Decline - Over Limit Table	DECLINED AMT OVER MAX	CANNOT PROCESS EXCEEDS LIMIT
095	61	Decline - Amount Over Max	DECLINED AMT OVER MAX	EXCEEDS LIMIT
096	82	Decline - Pin Required	DECLINED PIN REQUIRED	PIN REQUIRED
097	14	Decline - Mod Ten Check	DECLINED CARD PROBLEM	CARD PROBLEM
098	05	Decline - Force Post	DECLINED ERROR 098	DECLINED
099	14	Decline - Bad Pbf	DECLINED SYSTEM PROBLEM	CANNOT PROCESS PLEASE RETRY
491	N1	Not PYC Eligible	DECLINED	N/A

Moneris Error

RBC Code	ISO Code	RBC Code Description	Terminal Message	PINPAD Message
100	91	Refer - Unable To Process	DECLINED SYSTEM PROBLEM	CANNOT PROCESS SYSTEM PROBLEM
101	91	Refer - Issue Call	DECLINED SYSTEM PROBLEM	CANNOT PROCESS SYSTEM PROBLEM
102	96	Refer - Call	DECLINED SYSTEM PROBLEM	CANNOT PROCESS SYSTEM PROBLEM
103	96	Refer - Neg File Problem	DECLINED SYSTEM PROBLEM	CANNOT PROCESS SYSTEM PROBLEM
104	96	Refer - Caf File Problem	DECLINED SYSTEM PROBLEM	CANNOT PROCESS SYSTEM PROBLEM
105	57	Refer - Card Not Supported	DECLINED CARD PROBLEM	CARD PROBLEM PLEASE RETRY
106	Q7	Refer - Amount Over Max	DECLINED AMT OVER MAX	AMT OVER MAX
107	65	Refer - Over Daily Limit	DECLINED AMT OVER MAX	AMT OVER MAX
108	96	Refer - Caf Not Found	DECLINED SYSTEM PROBLEM	CANNOT PROCESS SYSTEM PROBLEM
109	Q7	Refer - Advance < Minimum	DECLINED INVALID ACCOUNT	INVALID ACCOUNT
110	65	Refer - Num Times Used	DECLINED MAX USE EXCEEDED	MAX USE EXCEED
111	96	Refer - Delinquent	DECLINED ACCOUNT PROBLEM	ACCOUNT PROBLEM
112	96	Refer - Over Limit Table	DECLINED AMT OVER MAX	AMT OVER MAX
113	68	Refer - Timeout	DECLINED SYSTEM TIMEOUT	SYSTEM TIMEOUT
115	96	Refer - Ptlf Full	DECLINED SYSTEM PROBLEM	CANNOT PROCESS SYSTEM PROBLEM
120	96	Refer - Uaf File Problem	DECLINED EXPIRED CARD	EXPIRED CARD REFER TO BRANCH
121	96	Refer - Admin File Problem	DECLINED EXPIRED CARD	EXPIRED CARD REFER TO BRANCH
122	81	Refer - Unable To Validate Pin	DECLINED SYSTEM PROBLEM	CANNOT PROCESS SYSTEM PROBLEM
150	06	Service - Merchant Not On File	DECLINED INVALID ACCOUNT	CANNOT PROCESS INVALID ACCOUNT
200	06	Error - Account	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
201	55	Error - Incorrect Pin	DECLINED INVALID PIN	PIN ERROR PLEASE RETRY
202	13	Error - Advance < Minimum	DECLINED NEED ADMIN PIN	CANCELLED
203	96	Error - Admin Card Needed	DECLINED OVER RETAILER LIMIT	Cannot Process Over Store Limit
204	Q7	Error - Enter Lesse Amount	DECLINED INVALID AMOUNT	INVALID AMOUNT
205	13	Error - Invalid Advance Amount	DECLINED CARD IS NOT SET UP	CARD PROBLEM
206	56	Error - Caf Not Found	DECLINED INVALID DATE	INVALID DATE
207	77	Error - Invalid Tran Date	DECLINED INVALID EXPIRY DATE	INVALID EXPIRY DATE
208	06	Error - Invalid Exp Date	DECLINED INVALID TRANSACTION	CANNOT PROCESS INVALID TRANS
209	12	Error - Invalid Trancode	DECLINED PLEASE REINITALIZE	SYSTEM PROBLEM
210	87	Error - Pin Key Sync Error	DECLINED AMT OVER MAX	AMT OVER MAX
212	91	Error - Destn Not Available	Under Review	Under Review
251	91	Error - On Cash Amount	Under Review	Under Review
252	91	Decline - Debit Not Supported	Under Review	Under Review
400	96	Error - Cryptogram Failure	Under Review	Under Review
404	96	Error - Atc Check	Under Review	Under Review
405	96	Error - Cvr Check	Under Review	Under Review
406	57	Error - Tvr Check	Under Review	Under Review
408	Q7	Error - Fallback Check	Under Review	Under Review

System Decline

RBC Code	Host FID X (ISO CODE)	Description	Terminal Message	PED Message
030	87	Purchase Amount Only, No Cash Back allowed	APPROVED WITHOUT CASHBACK	APPROVED WITHOUT CASHBACK
001	85	Not Declined	APPROVED	APPROVED
004	00	Honor with id	APPROVED	APPROVED
010	10	Approval for partial amt	APPROVED	APPROVED
027	01	Approved	APPROVED	N/A
050	84	Invalid auth life cycle	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
056	81	Domestic Debit Txn Not Allowed (Regional use only)	CARD NOT SUPPORTED	NOT APPROVED NO POS ACCESS
069	30	Format error	RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
073	92	Unable to route transaction	INVALID CARD	INVALID CARD REFER TO BRANCH
074	86	PIN Validation Not Possible	ISSUER NOT ONLINE	CANNOT PROCESS SYSTEM PROBLEM
074	88	Cryptographic Failure	DECLINED	DECLINED
074	89	Unacceptable PIN; Transaction Declined; Re-try	ISSUER NOT ONLINE	CANNOT PROCESS SYSTEM PROBLEM
078	94	Dupicate transmission	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
113	68	Timeout	RE-TRY SYSTEM PROBLEM	CANNOT PROCESS PLEASE RE-TRY
201	55	PIN incorrect	RE-TRY PIN ERROR	PIN ERROR PLEASE RE-TRY
416	79	Life cycle	DECLINED USE UPDATED CARD	DECLINED USE UPDATED CARD
416	82	Policy	DECLINED USE UPDATED CARD	DECLINED. USE UPDATED CARD
416	83	Fraud/Security	DECLINED USE UPDATED CARD	DECLINED. USE UPDATED CARD
421	79	Life cycle	CARD DECLINED DO NOT. RETRY	CARD DECLINED DO NOT. RETRY
421	82	Policy	CARD DECLINED DO NOT. RETRY	CARD DECLINED DO NOT. RETRY
421	83	Fraud/Security	CARD DECLINED DO NOT. RETRY	CARD DECLINED DO NOT. RETRY
422	05	Do not honor	STOP PAYMENT DO NOT. RETRY	STOP PAYMENT. DO NOT. RETRY
422	82	Policy	STOP PAYMENT DO NOT. RETRY	STOP PAYMENT. DO NOT. RETRY
476	03	Merchant invalid on network	DECLINED	N/A
476	12	Invalid Transaction	DECLINED	N/A
476	13	Invalid amount	DECLINED	N/A
476	15	Card iss. not found	DECLINED	N/A
476	91	Switch or issuer inoperative	DECLINED	N/A
476	96	System error	DECLINED	N/A
476	12	Contact Card Issuer	DECLINED	N/A
476	71	PIN Not Changed	DECLINED	N/A
476	75	PIN tries exceeded	DECLINED	N/A
476	76	Invalid to account	DECLINED	N/A
476	77	Invalid from account	DECLINED	N/A
476	78	Invalid account	DECLINED	N/A
477	14	Invalid card number	DECLINED UNKNOWN ACCOUNT	N/A
478	41	Lost card, pick up	DECLINED 41-HOLD CARD CALL	N/A
479	04	Capture Card	DECLINED PICK UP CARD	N/A
480	43	Stolen card, pick up	DECLINED 43-HOLD CARD CALL	N/A
481	05	Do not honor	DECLINED	N/A
481	51	Not sufficient funds	DECLINED	N/A
481	57	Tran not allowed to issuer	DECLINED	N/A
481	58	Tran not permitted to acq	DECLINED	N/A
481	62	Restricted card	DECLINED	N/A
481	79	Life cycle	DECLINED	N/A
481	79	Life cycle	DECLINED	N/A
481	82	Policy	DECLINED	N/A
481	83	Fraud/Security	DECLINED	N/A
481	46	Closed Account	Declined	N/A
481	72	Account Not Active	Declined	N/A
482	54	Expired card	DECLINED EXPIRED CARD	N/A
483	02	Refer to card issuer	DECLINED REFER CALL TO ISSUER	N/A
483	61	Exceeds approval amt limit	DECLINED REFER CALL TO ISSUER	N/A
492	65	Exceeds withdrawal count	WITHDRAWAL COUNT EXCEEDED	N/A
898	63	Security violation	DECLINED	CANNOT PROCESS PLEASE RE-TRY
493	51	Transaction has been declined due to insufficient funds/over credit limit. Transaction may be resubmitted for authorization after one hour	Declined. Retry after 1 hr	N/A
494	51	Transaction has been declined due to insufficient funds/over credit limit. Transaction may be resubmitted for authorization after 24 hours	Declined. Retry after 24 hrs	N/A
495	51	Transaction has been declined due to insufficient funds/over credit limit. Transaction may be resubmitted for authorization after 2 days	Declined. Retry after 2 days	N/A
496	51	Transaction has been declined due to insufficient funds/over credit limit. Transaction may be resubmitted for authorization after 4 days	Declined. Retry after 4 days	N/A
497	51	Transaction has been declined due to insufficient funds/over credit limit. Transaction may be resubmitted for authorization after 6 days	Declined. Retry after 6 day.	N/A
498	51	Transaction has been declined due to insufficient funds/over credit limit. Transaction may be resubmitted for authorization after 8 days	Declined. Retry after 8 days	N/A
499	51	Transaction has been declined due to insufficient funds/over credit limit. Transaction may be resubmitted for authorization after 10 days	Declined. Retry after 8 days	N/A

Moneris Decline No Retry

RBC Code	ISO Code	RBC Code Description	Terminal Message	PINPAD Message
050	59	Arqc Validation Error	DECLINED 59	DECLINED
411	58	Invalid Transaction or Transaction not Permitted to Terminal (this will be received if RBC card used in transit environment)	DECLINED RE-TRY EDIT ERROR	CANNOT PROCESS PLEASE RE-TRY
414	78	Completion Amount Exceeded	UNDER REVIEW	UNDER REVIEW
415	79	Completion Time Limit Expired	UNDER REVIEW	UNDER REVIEW
412	80	Re-submit Not Allowed	CARD DECLINED DO NOT RETRY	CARD DECLINED DO NOT RETRY
413	83	Terminal SAF Transaction Not Allowed	UNDER REVIEW	UNDER REVIEW

Admin Transaction

RBC Code	Host FID X (ISO Code)	RBC Code Description	Terminal Message
960	06	Initialization Failure - No Match on Merchant ID	Failed to Initialize Merchant ID Error
961	00	Initialization Failure - No Match on PED ID	No Match on PED Contact Help Centre
962	00	Initialization Failure - No match on Printer ID	Failed to Initialize Printer ID Error
964	05	Initialization Failure - No Match On Concentrator ID	Failed to Initialize Concentrator ID Err
965	05	Invalid Software Version Number	Terminal Data Error Contact Help Centre
966		Duplicate Terminal Name	Duplicate Terminal Name
970		Terminal/Clerk Table Full	Table Full/Table Pleine
983		Clerk Totals Unavailable: selected Clerk IDs do not exist or have zero totals	No Activity/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 ###/