When a card scheme or issuer declines a payment request, they send us a raw response to explain why. The many raw responses are slightly different between schemes and are subject to change. For that reason, we map the raw response to a to a combination of ErrorCondition, refusalReason and message and send you that in the Terminal API response.
If you want to receive the raw response as well, you can enable that in your Customer Area. However, it is important that you do not base your code on the raw response.
Receive raw responses
If you want to receive the raw response for declined payments:
- Log in to your Customer Area and switch to your merchant account.
- Go to Developers > Additional data.
- Select the Raw acquirer result checkbox.
- Select Save configuration.
When a payment request is declined, you will now receive the refusalReasonRaw field in the Response.AdditionalResponse of the PaymentResponse.
The refusalReasonRaw provides additional information. But if you base your code on it, that might break your integration because acquirers and issuers sometimes change their raw responses without notice.
See Handle responses to learn how you can handle declined payments.
Most common raw responses
The following table lists the most common raw acquirer responses for point of sale. The table also has the corresponding transaction Status as shown in your Customer Area, and indicates what the shopper should do.
| Status | Raw acquirer response | Description/Instruction |
|---|---|---|
| Cancelled | 00: Approved or completed successfully | Transaction was cancelled after it was initially approved by the issuer. This can be due to various reasons, for example, if the shopper returns goods after purchase. |
| Refused | 01 or 02: Refer to card issuer | Transaction refused by the card issuer. Shopper should contact their bank for clarification. Shopper can try again after resolving the issue with their bank, or use another payment method. |
| Refused | 03: Invalid merchant | Transaction refused by the card issuer. Shopper should contact their bank for clarification. Shopper can try again after resolving the issue with their bank, or use another payment method. |
| Refused | 04: Capture card / Pick-up | Card issuer requests to retain the card. This can be due to a suspected counterfeit or stolen card. |
| Refused | 05: Do not honor | Generic issuer refusal. Shopper should contact their bank for clarification. |
| Refused | 05: Do not honor (Decline - Insufficient FundsBAL=...) | Insufficient funds in the cardholder's account. Shopper can try again after adding funds to their bank account, or use another payment method. |
| Refused | 05: Do not honor (Decline Card Inv) | Invalid gift card. |
| Refused | 05: Do not honor (Decline Expired) | Card expired. Shopper can use another payment method. |
| Refused | 05: Do not honor (Decline InactiveBAL=0.00) | Inactive gift card. |
| Refused | 05: Insufficient funds - Card working balance is insufficient | Insufficient funds in the cardholder's account. Shopper can try again after adding funds to their bank account, or use another payment method. |
| Refused | 06: Error | Payment could not be authorized and resulted in an error. Shopper can try again or use another payment method. |
| Refused | 07: Pickup card, special condition | Card issuer requests to retain the card. This can be due to a suspected counterfeit or stolen card. |
| Cancelled | 10: Partial approval | Transaction was cancelled. Some card issuers support partial-approval authorization. This approves a part of the requested transaction, leaving the remainder to be paid with another form of tender. |
| Refused | 12: Invalid transaction | Card issuer does not allow this type of transaction on this card/account. For example, the card is a fleet card for which this type of transaction is not permitted. |
| Refused | 13: Invalid amount | Card issuer has declined the transaction because of an invalid format or field. This response usually occurs with Cirrus or Maestro Debit and Prepaid Cards. Shopper should retry or use an alternate payment method. |
| Refused | 14: Invalid card number | Card issuer is unable to validate the account number. |
| Refused | 15: Invalid issuer | Card number is not within a card number range supported by the scheme. |
| Refused | 19: Re-enter transaction | Shopper should retry. Card issuer does not provide further information on why the transaction was not processed. |
| Refused | 21: Card already issued - Issue Gift Card Transaction used on a card that has already been reloaded | Card issuer has indicated there is a problem with the card number. Shopper should retry, use an alternate payment method, or contact their bank. |
| Refused | 21: Card not initialized | Card issuer has indicated the card has not been initialized. Shopper should retry, use an alternate payment method, or contact their bank. |
| Refused | 25: Unable to locate record on file | Card issuer does not recognize the credit card details. Shopper should check the card information and retry. |
| Refused | 30: Format error | Card issuer does not recognize the transaction details being entered. This is due to a format error. Shopper should check the transaction information and retry. |
| Refused | 34: Fraud - Pick Up | Card issuer declined the transaction due to suspected fraud. |
| Refused | 39: No credit account | Card issuer declined the transaction as the card number used is not a credit account. |
| Refused | 40: Function not supported / Requested function not supported | Card issuer declined the transaction because the issuer does not allow this type of transaction. |
| Refused | 41: Lost card | Card reported as lost. Validate shopper's authenticity and refer then to their bank. |
| Refused | 43: Stolen card | Card reported as stolen. Validate shopper's authenticity and refer them to their bank. |
| Refused | 51: Decline | Generic issuer refusal. Shopper should contact their bank for clarification. |
| Refused | 51: Insufficient funds/over credit limit / Not sufficient funds | Insufficient funds in the cardholder's account. Shopper can try again after adding funds to their bank account, or use another payment method. |
| Refused | 51: No Cheque account | Card issuer declined the transaction as the credit card number is associated with a cheque account that does not exist. |
| Refused | 52: No Cheque account | Card issuer declined the transaction because the credit card number is associated with a cheque account that does not exist. |
| Refused | 53: No Savings account | Card issuer has declined the transaction because the credit card number is associated with a savings account that does not exist. |
| Refused | 54: Expired card | Expiration date of the shopper's card has passed. Shopper should correct or use an alternate payment method. |
| Refused | 55: Invalid PIN | PIN validation failed (shopper entered an invalid PIN). Shopper should correct or use an alternate payment method. |
| Refused | 57: Transaction not permitted to issuer/cardholder | Card issuer does not permit the transaction on this card/account. Shopper can use another payment method. |
| Refused | 58: Transaction not permitted to acquirer/terminal | Card issuer does not permit the transaction on this card/account. Shopper can use another payment method or contact their bank. |
| Refused | 59: Suspected fraud | Card issuer suspects this payment to be fraudulent. The transaction is refused. |
| Refused | 61: Exceeds withdrawal amount limit(s) / Withdrawal amount limit exceeded | Shopper exceeded their card limit. Shopper can try again after resolving the issue with their bank, or use another payment method. |
| Refused | 62: Restricted card | Card issuer has defined the card on an exclusion list. For example: it has excluded or embargoed the card's country/region. |
| Refused | 63: Security violation | Card issuer indicated a security issue with this card. Shopper can use another payment method. Alternatively, the shopper can try again after they resolved the issue with their bank. |
| Refused | 65: Exceeds withdrawal count limit / Withdrawal count limit exceeded | Shopper exceeded their card usage frequency limit. Shopper can use another payment method. or alternatively try again with the same card after the shopper took care of the card limit issue. |
| Refused | 70: Contact Card Issuer | Card issuer indicated an issue with this card and requests contact from the shopper. Shopper can use another payment method. Alternatively the shopper can try again after they resolved the issue with their bank. |
| Refused | 75: Allowable number of PIN tries exceeded | Shopper exceeded number of PIN failures allowed by issuing bank. Shopper should retry or use an alternate payment method. |
| Refused | 78: Invalid/nonexistent account specified (general) | Transaction is from a new cardholder, and the card has not been properly unblocked. |
| Refused | 80: Credit issuer unavailable | Issuing bank down. Shopper should retry or use an alternate payment method. |
| Authorised | 85: No reason to decline a request for account number verification, address verification, CVV2 verification, or a credit voucher or merchandise return | Zero-value auth request authorized. |
| Authorised | 85: Not declined (Valid for all zero amount transactions) | Zero-value auth request authorized. |
| Refused | 86: Cannot Verify PIN | Shopper's card cannot be verified. For example, there is no PVV. |
| Refused | 86: PIN Validation not possible | Shopper's card cannot be validated. For example, there is no PVV. |
| Refused | 88: Cryptographic failure | Cryptography authentication for the shopper's card has failed. Shopper should retry or use an alternate payment method. |
| Refused | 89: Unacceptable PIN—Transaction Declined—Retry | Shopper failed PIN validation. Shopper should correct or use an alternate payment method. |
| Refused | 91: Authorization Platform or issuer system inoperative / Issuer not available | The issuing bank down. Shopper should retry or use an alternate payment method. |
| Error | 91: Issuer unavailable or switch inoperative | Issuer or issuer processor cannot authorize, for example because of downtime. |
| Refused | 92: Destination cannot be found for routing / Unable to route transaction | Shopper is using a test card number on live. Shopper should use an alternate payment method. |
| Refused | 93: Transaction cannot be completed; violation of law | Issuing bank will not allow this transaction. Shopper should use an alternate payment method. |
| Refused | 94: Duplicate transmission detected | This error will occur if the card issuer has declined the transaction because it appears to be a duplicate transmission. Check this is the case and process the transaction again if needed. |
| Refused | 96: System error | Issuing bank down. Shopper should retry or use an alternate payment method. |
| Refused | 96: System malfunction | Issuing bank down. Shopper should retry or use an alternate payment method. |
| Refused | 100: Deny | Generic issuer refusal. Shopper should contact their bank for clarification. |
| Refused | 100: Do not honour | Generic issuer refusal. Shopper should contact their bank for clarification. |
| Refused | 101: Expired Card / Invalid Expiration Date | Card expired. Shopper can use another payment method. |
| Refused | 101: Invalid card number | Card number is either not the right length or does not validate against the Luhn formula. |
| Refused | 102: Unable to determine variant | Card number is invalid. Adyen uses the payment method variant to determine how to process a transaction. When the card number is invalid this process fails and this error occurs. |
| Refused | 106: Allowable number of PIN tries exceeded / Exceeded PIN attempts | Shopper has exceeded the maximum number of PIN entries allowed by the card issuer. |
| Refused | 110: Invalid Amount | The specified amount of the transaction is invalid. For example, an invalid character (such as a dollar sign or a space) may have been used. Try again or use another card or payment method. |
| Refused | 111: Invalid card number (no such number) / Invalid account / Invalid MICR (Travelers Cheque) | An invalid character (such as a dollar sign or a space) may have been used and the terminal is unable to read the card. Use another card or payment method. |
| Refused | 115: Requested function not supported | Card issuer does not allow this type of transaction on this card. Shopper can use another payment method. |
| Refused | 116: Not sufficient funds | Insufficient funds in the cardholder's account. Shopper can try again after adding funds to their bank account, or use another payment method. |
| Refused | 119: Transaction not permitted to cardholder | Card issuer does not permit transactions on this card/account. Shopper can use another payment method. |
| Refused | 129: Suspected counterfeit card | Card cannot be used because it is a suspected counterfeit. |
| Refused | 163: Do not honour | Generic issuer refusal. Shopper should contact their bank for clarification. |
| Refused | 182: Decline given by Issuer | Card issuer refused the transaction. Shopper can try again after resolving the issue with their bank, or use another payment method. |
| Refused | 182: No PIN transaction velocity limit exceeded | Bancontact/Mister Cash (BCMC) payment. Shopper has exceeded the maximum time between transactions without using a PIN. Refused for security reasons. Shopper can retry using a PIN or use another payment method. |
| Refused | 183: Invalid currency code | Currency code provided does not comply with standards. |
| Refused | 183 or 184: EMV data inconsistent / incorrect | BCMC payment. The EMV data was inconsistent. Shopper can retry using a PIN or use another payment method. |
| Refused | 186: Incorrect EMV cryptogram (ARQC) | BCMC payment. The used EMV cryptogram (ARQC) for the transaction was incorrect. Shopper can retry, or use another payment method. |
| Refused | 187: Card periodic limit exceeded | Shopper has exceeded maximum number of transactions on their card for a set period (such as a month). |
| Refused | 189: Account periodic limit exceeded | Shopper has exceeded maximum number of transactions on their account for a set period (such as a month). |
| Refused | 192: Card not affected (not yet linked to an account) | Card is not linked to a bank account and cannot be used. Shopper must contact their bank. |
| Refused | 193: Card disaffected or deactivated | Card has been deactivated and cannot be used. Shopper must contact their bank. |
| Refused | 905 Payment details are not supported | The used payment method is not supported. |
| Refused | 911: Time-out of issuer response | Issuing bank down at the moment. Shopper should retry or use an alternate payment method. |
| Refused | Always refused | Gift card refused. |
| Refused | Amount too low to be accepted by Card Network | The entered amount is too low to be accepted by the card network |
| Refused | Card data authentication failed | The relevant shopper's card data has not successfully been obtained. Shopper should retry or use an alternate payment method. |
| Refused | Card is blocked | Shopper's card has been blocked and cannot be used. Shopper must contact their bank. |
| Refused | card removed | Shopper's card was removed from the terminal before the transaction finished. |
| Refused | Card removed during application selection | Shopper's card was removed from the terminal before the transaction finished. |
| Refused | Card removed during transaction | Shopper's card was removed from the terminal before the transaction finished. |
| Refused | Card removed during transaction (first ac) | Shopper's card was removed from the terminal before the transaction finished. |
| Refused | Card removed during transaction (verify cardholder) | Shopper's card was removed from the terminal before the transaction finished. |
| Refused | Card removed while processing online | Shopper's card was removed from the terminal before the transaction finished. |
| Refused | Card swapped mid-transaction | Card removed from the terminal and swapped for another card during the transaction. |
| Refused | chip cancelled tx (2nd ac returned AAC) | Card returned AAC to the terminal, causing the transaction to be declined offline. |
| Refused | Communication timeout | Timeout while communicating with the card / issuer. Shopper should retry or use an alternate payment method. |
| Refused | Communication with chip failed (app read) | Terminal failed to read the chip. Retry or use an alternate payment method. |
| Refused | Communication with chip failed (app sel) | Terminal failed to read the chip. Shopper should retry or use an alternate payment method. |
| Refused | Communication with chip failed (data auth) | Terminal failed to read the chip. Shopper should retry or use an alternate payment method. |
| Refused | Communication with chip failed (online proc) | Terminal failed to read the chip. Shopper should retry or use an alternate payment method. |
| Refused | Crash recovery | Terminal crashed for an unknown reason during the transaction, causing it to fail. |
| Refused | Credit not allowed for eftpos | Credit is not allowed by the card issuer. |
| Refused | declined | Transaction has been declined for an unspecified reason. |
| Refused | Declined offline | Terminal was unable to connect to an internet connection, causing the transaction to fail. |
| Refused | Emv error | An error occurred while reading the EMV chip. Shopper should retry or use an alternate payment method. |
| Refused | Emv: data authentication failed | An error occurred while reading the EMV chip. Shopper should retry or use an alternate payment method. |
| Refused | Emv: generate first ac failed | An error occurred while reading the EMV chip. Shopper should retry or use an alternate payment method. |
| Refused | Emv: read application failed | An error occurred while reading the EMV chip. Shopper should retry or use an alternate payment method. |
| Refused | Emv: verify card holder failed | An error occurred while reading the EMV chip. Shopper should retry or use an alternate payment method. |
| Refused | Exception message: Expiry month should be between 1 and 12 inclusive | Shopper's expiration month is not exclusively between the numbers 1 and 12. |
| Refused | Exception message: No acquirer account available for merchant: '…' to process … for PlatformAction: 'AUTH' | Payment request has been sent without a store ID, and stores are configured for the merchant and no payment methods set up for "None". |
| Refused | Failed to go online | Terminal was unable to connect to an internet connection, causing the transaction to fail. |
| Refused | FRAUD | Shopper's card has been declined because of (suspected) fraud. |
| Refused | I035 | Unknown refusal by BCMC. Contact issuer for more information. |
| Refused | Invalid CardNumber | Invalid card number. |
| Refused | Invalid CardNumber - PAN length mismatch. | Invalid card number, the PAN length is a mismatch. |
| Refused | Invalid parameter (app select) | Generic error from Verifone ADK. Usually means AID is configured incorrectly for the card being used. |
| Refused | Invalid shopperInteraction | Wrong acquirer has been used. Contact our Support Team. |
| Refused | Invalid shopperInteraction: POS | Wrong Alipay acquirer has been used. Contact our Support Team. |
| Error | IOEXCEPTION_RECEIVED | Transaction failed due to an acquirer error. Usually applies to gift cards. |
| Refused | Magstripe is not accepted as an entry mode by Bancontact | Magnetic Stripe not accepted by the issuer. Shopper can use another payment method. |
| Refused | Manual Key Entry not allowed for eftpos | Entry mode not allowed by the issuer. Shopper can use another payment method. |
| Refused | Merchant cancelled | Merchant cancelled the transaction before the transaction was successfully completed. |
| Refused | Merchant cancelled after contactless fallback | Merchant cancelled the transaction before the transaction was successfully completed. |
| Refused | Merchant cancelled during online authorization | Merchant cancelled the transaction before the transaction was successfully completed. |
| Error | Merchant cancelled during validate call | Merchant cancelled the transaction before the transaction was successfully completed. |
| Refused | Merchant cancelled tx | Merchant cancelled the transaction before the transaction was successfully completed. |
| Refused | N7: Decline for CVV2 failure | Issuer refusal. This can be due to various reasons. Shopper should retry, use an alternate payment method, or contact their bank for clarification. |
| Refused | No or invalid Amount Authorised (9F02) provided. | Transaction refused because the amount authorized by the issuer did not match the transaction amount. Shopper should retry or use an alternate payment method. |
| Refused | No or invalid Card Details provided. | Missing/invalid card data provided by the shopper. Shopper should retry or use an alternate payment method. |
| Refused | No or invalid Terminal Capabilities 9F33 provided. | Transaction type not supported by the terminal. Shopper should retry or use an alternate payment method. |
| Refused | NO_RESPONSE_FROM_ACM | Transaction failed as response received from acquirer. Shopper should retry or use an alternate payment method. |
| Error | NO_RESPONSE_WITHIN_TIMEOUT | An error occurred at the acquirer, and the transaction did not complete. |
| Refused | Offline - Y1 / Y3 / Z1 / Z3 | Transaction refused during offline processing. This can be due to various reasons. Check transaction logs. |
| Refused | Operation not supported for the used payment method | Operation not supported for this payment method. Shopper should retry or use an alternate payment method. |
| Error | Payment method is not supported [Offline - Y3] | Payment method is not supported. Shopper should retry or use an alternate payment method. |
| Refused | Recurring requires shopperReference | shopperReference is required to set up a recurring contract. Shopper should retry and provide a shopperReference. |
| Refused | S000 | Generic refusal from BCMC. Shopper should retry or use an alternate payment method. |
| Refused | Shopper cancelled | Shopper cancelled the transaction before it completed. |
| Refused | Shopper cancelled after contactless fallback | Shopper cancelled the transaction before it completed. |
| Refused | Shopper cancelled during application selection | Shopper cancelled the transaction before it completed. |
| Refused | Shopper cancelled during dcc selection | Shopper cancelled the transaction before it completed. |
| Refused | Shopper cancelled during online authorization | Shopper cancelled the transaction before it completed. |
| Refused | Shopper cancelled during validate call | Shopper cancelled the transaction before it completed. |
| Refused | Shopper cancelled Manual Key Entry | Shopper cancelled the transaction before it completed. |
| Refused | Shopper cancelled pin entry | Shopper cancelled the transaction before it completed. |
| Refused | Shopper cancelled tx | Shopper cancelled the transaction before it completed. |
| Refused | Shopper did not present a card | Shopper did not present a card, so the transaction was cancelled. |
| Refused | Terminal risk management failed | Risk Management for the terminal failed. |
| Refused | Timeout during amount adjustment | Transaction timed out. Shopper should retry or use an alternate payment method. |
| Refused | Timeout during application selection | Transaction timed out. Shopper should retry or use an alternate payment method. |
| Refused | Timeout during manual key entry | Transaction timed out. Shopper should retry or use an alternate payment method. |
| Refused | Timeout during PIN entry | Transaction timed out. Shopper should retry or use an alternate payment method. |
| Refused | Timeout waiting for card after contactless fallback | Transaction timed out. Shopper should retry or use an alternate payment method. |
| Refused | Unmapped - 1 / 00 | Unmapped error occurred. Shopper should retry or use an alternate payment method. |
| Refused | Unsupported cardType: ATM Only | Shopper's card can only be used at an ATM. Shopper should use an alternate payment method. |
| Refused | Validation call failed | Card validation call failed. Shopper should retry or use an alternate payment method. |