Return Messages: Credit Card
PicPay Card#
| Return Code | Return Message |
|---|---|
| 05 | CONTACT YOUR CARD ISSUER |
| 06 | CONTACT YOUR CARD ISSUER |
| A003 | INSURANCE NOT AUTHORIZED |
| A004 | BILL PAYMENT NOT AUTHORIZED |
| A005 | DIGITAL CARD NOT FOUND |
| A006 | PRODUCT OR MERCHANT NOT IDENTIFIED |
| A007 | NSU NOT GENERATED |
| A008 | PURCHASE FORMAT ERROR |
| A009 | NOT ALLOWED - GUARANTEED LIMIT FOR DEBIT ONLY |
| A010 | COMMUNICATION ERROR. TRANSACTION WILL BE REVERSED |
| A019 | USER NOT FOUND |
| A020 | TIMEOUT. TRANSACTION WILL BE REVERSED |
| A021 | USER BLOCKED |
| A022 | DIGITAL CARD BLOCKED |
ABECS Standard 021#
This standard establishes the equalization of message codes provided to merchants for declined payment transactions. View official document
Card Brand: ELO#
| Return Code | Return Message |
|---|---|
| AC | USE DEBIT FUNCTION |
| AB | USE CREDIT FUNCTION |
| AD | USE VOUCHER FUNCTION |
| AE | USE BALANCE FROM ANOTHER BENEFIT |
| FM | USE CHIP |
| P5 | INVALID PIN - DO NOT RETRY |
| P6 | INVALID PIN. USE NEW PIN |
| 04 | RETRY TRANSACTION |
| 05 | CONTACT YOUR CARD ISSUER |
| 06 | MERCHANT, CONTACT ACQUIRER |
| 12 | CHECK CARD DETAILS |
| 13 | TRANSACTION AMOUNT NOT ALLOWED - DO NOT RETRY |
| 14 | CHECK CARD DETAILS |
| 19 | CARD ERROR - DO NOT RETRY |
| 23 | INVALID INSTALLMENT - DO NOT RETRY |
| 30 | CARD ERROR - DO NOT RETRY |
| 38 | PIN ATTEMPTS EXCEEDED. CONTACT YOUR CARD ISSUER |
| 41 | TRANSACTION NOT ALLOWED - DO NOT RETRY |
| 43 | TRANSACTION NOT ALLOWED - DO NOT RETRY |
| 46 | TRANSACTION NOT ALLOWED FOR THIS CARD - DO NOT RETRY |
| 51 | NOT AUTHORIZED |
| 54 | CHECK CARD DETAILS |
| 55 | INVALID PIN |
| 56 | CHECK CARD DETAILS |
| 57 | TRANSACTION NOT ALLOWED FOR THIS CARD - DO NOT RETRY |
| 58 | TRANSACTION NOT ALLOWED - DO NOT RETRY |
| 59 | CONTACT YOUR CARD ISSUER |
| 61 | AMOUNT EXCEEDED. CONTACT YOUR CARD ISSUER |
| 62 | CONTACT YOUR CARD ISSUER |
| 63 | CHECK CARD DETAILS |
| 64 | TRANSACTION AMOUNT NOT ALLOWED - DO NOT RETRY |
| 65 | WITHDRAWAL LIMIT EXCEEDED. CONTACT YOUR CARD ISSUER |
| 75 | PIN ATTEMPTS EXCEEDED. CONTACT YOUR CARD ISSUER |
| 76 | INVALID DESTINATION ACCOUNT - DO NOT RETRY |
| 77 | INVALID SOURCE ACCOUNT - DO NOT RETRY |
| 78 | UNBLOCK CARD |
| 82 | CARD ERROR - DO NOT RETRY |
| 83 | INVALID PIN - DO NOT RETRY |
| 91 | COMMUNICATION FAILURE - TRY AGAIN LATER |
| 96 | COMMUNICATION FAILURE - TRY AGAIN LATER |
| 168 | NOT AUTHORIZED - DO NOT RETRY |
Card Brand: VISA#
| Return Code | Return Message |
|---|---|
| 01 | CHECK CARD DETAILS |
| 1A | ADDITIONAL AUTHENTICATION REQUIRED |
| 02 | CHECK CARD DETAILS |
| 03 | TRANSACTION NOT ALLOWED - DO NOT RETRY |
| 04 | CONTACT YOUR CARD ISSUER - DO NOT RETRY |
| 05 | CONTACT YOUR CARD ISSUER |
| 06 | CHECK CARD DETAILS |
| 07 | TRANSACTION NOT ALLOWED FOR THIS CARD - DO NOT RETRY |
| 12 | CARD ERROR - DO NOT RETRY |
| 13 | TRANSACTION AMOUNT NOT ALLOWED - DO NOT RETRY |
| 14 | CHECK CARD DETAILS |
| 15 | INVALID CARD DATA - DO NOT RETRY |
| 19 | CARD ERROR - DO NOT RETRY |
| 21 | TRANSACTION NOT COMPLETED |
| 25 | RECORD NOT FOUND |
| 28 | FILE TEMPORARILY UNAVAILABLE |
| 39 | USE DEBIT FUNCTION |
| 41 | TRANSACTION NOT ALLOWED - DO NOT RETRY |
| 43 | TRANSACTION NOT ALLOWED - DO NOT RETRY |
| 46 | TRANSACTION NOT ALLOWED FOR THIS CARD - DO NOT RETRY |
| 51 | NOT AUTHORIZED |
| 52 | USE CREDIT FUNCTION |
| 53 | USE CREDIT FUNCTION |
| 54 | CHECK CARD DETAILS |
| 55 | INVALID PIN |
| 57 | TRANSACTION NOT ALLOWED FOR THIS CARD - DO NOT RETRY |
| 58 | TRANSACTION NOT ALLOWED FOR THIS CARD - DO NOT RETRY |
| 59 | CONTACT YOUR CARD ISSUER |
| 5C | OPERATION BLOCKED BY ISSUER |
| 61 | AMOUNT EXCEEDED. CONTACT YOUR CARD ISSUER |
| 62 | CONTACT YOUR CARD ISSUER |
| 63 | CHECK CARD DETAILS |
| 64 | CONTACT YOUR CARD ISSUER - DO NOT RETRY |
| 65 | WITHDRAWAL LIMIT EXCEEDED. CONTACT YOUR CARD ISSUER |
| 6P | ID VERIFICATION FAILED |
| 70 | CONTACT YOUR CARD ISSUER |
| 74 | INVALID PIN - DO NOT RETRY |
| 75 | PIN ATTEMPTS EXCEEDED. CONTACT YOUR CARD ISSUER |
| 76 | CONTACT YOUR CARD ISSUER - DO NOT RETRY |
| 78 | UNBLOCK CARD |
| 79 | TRANSACTION AUTOMATICALLY REVERSED |
| 80 | CONTACT YOUR CARD ISSUER - DO NOT RETRY |
| 81 | INVALID PIN - DO NOT RETRY |
| 82 | CARD ERROR - DO NOT RETRY |
| 86 | INVALID PIN |
| 91 | COMMUNICATION FAILURE - TRY AGAIN LATER |
| 92 | CONTACT YOUR CARD ISSUER - DO NOT RETRY |
| 93 | TRANSACTION NOT ALLOWED FOR THIS CARD - DO NOT RETRY |
| 94 | CONTACT YOUR CARD ISSUER - DO NOT RETRY |
| 96 | COMMUNICATION FAILURE - TRY AGAIN LATER |
| 9G | CARD BLOCKED BY CARDHOLDER |
| 168 | NOT AUTHORIZED - DO NOT RETRY |
| B1 | CONTACT YOUR CARD ISSUER |
| B2 | CONTACT YOUR CARD ISSUER |
| N0 | CONTACT YOUR CARD ISSUER |
| N3 | CASH ADVANCE NOT AVAILABLE - DO NOT RETRY |
| N4 | AMOUNT EXCEEDED. CONTACT YOUR CARD ISSUER |
| N7 | CHECK CARD DETAILS |
| N8 | AMOUNT DIFFERS FROM PRE-AUTHORIZATION - DO NOT RETRY |
| P5 | INVALID PIN - DO NOT RETRY |
| P6 | INVALID PIN. USE NEW PIN |
| Q1 | CARD AUTHENTICATION FAILED |
| R0 | RECURRING PAYMENT SUSPENSION FOR SERVICE - DO NOT RETRY |
| R1 | RECURRING PAYMENT SUSPENSION FOR SERVICE - DO NOT RETRY |
| R2 | TRANSACTION NOT ALLOWED FOR THIS CARD - DO NOT RETRY |
| R3 | RECURRING PAYMENT SUSPENSION FOR SERVICE - DO NOT RETRY |
| Z3 | COMMUNICATION UNAVAILABLE — OPERATION NOT AUTHORIZED |
| Z5 | AMOUNT EXCEEDS CARD LIMIT |
| Z6 | MCC NOT AUTHORIZED FOR THIS CARD |
Card Brand: MASTERCARD#
| Return Code | Return Message |
|---|---|
| 03 | TRANSACTION NOT ALLOWED - DO NOT RETRY |
| 04 | CONTACT YOUR CARD ISSUER - DO NOT RETRY |
| 05 | CONTACT YOUR CARD ISSUER |
| 08 | VERIFY CARDHOLDER DATA |
| 13 | TRANSACTION AMOUNT NOT ALLOWED - DO NOT RETRY |
| 14 | CHECK CARD DETAILS |
| 15 | INVALID CARD DATA - DO NOT RETRY |
| 30 | CARD ERROR - DO NOT RETRY |
| 41 | TRANSACTION NOT ALLOWED - DO NOT RETRY |
| 43 | TRANSACTION NOT ALLOWED - DO NOT RETRY |
| 46 | TRANSACTION NOT ALLOWED FOR THIS CARD - DO NOT RETRY |
| 51 | NOT AUTHORIZED |
| 54 | CHECK CARD DETAILS |
| 55 | INVALID PIN |
| 57 | TRANSACTION NOT ALLOWED FOR THIS CARD - DO NOT RETRY |
| 58 | TRANSACTION NOT ALLOWED FOR THIS CARD - DO NOT RETRY |
| 59 | CONTACT YOUR CARD ISSUER |
| 61 | AMOUNT EXCEEDED. CONTACT YOUR CARD ISSUER |
| 62 | CONTACT YOUR CARD ISSUER |
| 63 | CHECK CARD DETAILS |
| 64 | CONTACT YOUR CARD ISSUER - DO NOT RETRY |
| 65 | WITHDRAWAL LIMIT EXCEEDED. CONTACT YOUR CARD ISSUER |
| 70 | CONTACT YOUR CARD ISSUER |
| 71 | CONTACT YOUR CARD ISSUER |
| 72 | ACCOUNT INACTIVE, INVALID OR CLOSED |
| 74 | INVALID PIN - DO NOT RETRY |
| 75 | PIN ATTEMPTS EXCEEDED. CONTACT YOUR CARD ISSUER |
| 76 | CONTACT YOUR CARD ISSUER - DO NOT RETRY |
| 77 | INVALID SOURCE ACCOUNT - DO NOT RETRY |
| 78 | ACCOUNT INVALID OR NONEXISTENT |
| 79 | PROCESSING ERROR. TRY AGAIN |
| 81 | NOT ALLOWED FOR THIS CARD |
| 82 | CARD ERROR - DO NOT RETRY |
| 83 | CARD ERROR - DO NOT RETRY |
| 84 | CONTACT YOUR CARD ISSUER |
| 86 | INVALID PIN |
| 87 | NOT ALLOWED FOR THIS CARD |
| 88 | INVALID PIN - DO NOT RETRY |
| 89 | CONTACT YOUR CARD ISSUER |
| 91 | COMMUNICATION FAILURE - TRY AGAIN LATER |
| 92 | CONTACT YOUR CARD ISSUER - DO NOT RETRY |
| 94 | CONTACT YOUR CARD ISSUER - DO NOT RETRY |
| 96 | COMMUNICATION FAILURE - TRY AGAIN LATER |
| 97 | REQUEST CANCELED |
| 98 | INVALID AMOUNT |
| 99 | NETWORK ERROR |
| B2 | CONTACT YOUR CARD ISSUER |
| 168 | NOT AUTHORIZED - DO NOT RETRY |
Card Brand: HIPERCARD#
| Return Code | Return Message |
|---|---|
| 05 | CONTACT YOUR CARD ISSUER |
| 06 | CARD ERROR - DO NOT RETRY |
| 12 | CARD ERROR - DO NOT RETRY |
| 14 | CHECK CARD DETAILS |
| 30 | CARD ERROR - DO NOT RETRY |
| 41 | TRANSACTION NOT ALLOWED - DO NOT RETRY |
| 43 | TRANSACTION NOT ALLOWED - DO NOT RETRY |
| 51 | NOT AUTHORIZED |
| 54 | CHECK CARD DETAILS |
| 55 | INVALID PIN |
| 57 | TRANSACTION NOT ALLOWED FOR THIS CARD - DO NOT RETRY |
| 59 | CONTACT YOUR CARD ISSUER |
| 60 | USE DEBIT FUNCTION |
| 61 | AMOUNT EXCEEDED. CONTACT YOUR CARD ISSUER |
| 62 | CONTACT YOUR CARD ISSUER |
| 63 | CHECK CARD DETAILS |
| 64 | CONTACT YOUR CARD ISSUER - DO NOT RETRY |
| 65 | WITHDRAWAL LIMIT EXCEEDED. CONTACT YOUR CARD ISSUER |
| 74 | INVALID PIN - DO NOT RETRY |
| 75 | PIN ATTEMPTS EXCEEDED. CONTACT YOUR CARD ISSUER |
| 91 | COMMUNICATION FAILURE - TRY AGAIN LATER |
| 96 | COMMUNICATION FAILURE - TRY AGAIN LATER |
| 99 | NETWORK ERROR |
| 168 | NOT AUTHORIZED - DO NOT RETRY |
Card Brand: AMEX#
| Return Code | Return Message |
|---|---|
| 100 | CONTACT YOUR CARD ISSUER |
| 101 | CHECK CARD DETAILS |
| 106 | PIN ATTEMPTS EXCEEDED. CONTACT YOUR CARD ISSUER |
| 109 | TRANSACTION NOT ALLOWED - DO NOT RETRY |
| 110 | TRANSACTION AMOUNT NOT ALLOWED - DO NOT RETRY |
| 115 | CHECK CARD DETAILS |
| 116 | NOT AUTHORIZED |
| 117 | INVALID PIN |
| 122 | CHECK CARD DETAILS |
| 180 | INVALID PIN - DO NOT RETRY |
| 181 | CARD ERROR - DO NOT RETRY |
| 200 | TRANSACTION NOT ALLOWED - DO NOT RETRY |
| 911 | COMMUNICATION FAILURE - TRY AGAIN LATER |
| 912 | COMMUNICATION FAILURE - TRY AGAIN LATER |
| 168 | NOT AUTHORIZED - DO NOT RETRY |