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Raw acquirer responses

A successful payment request (HTTP status code 200/OK) doesn't automatically mean the payment was successful. The transaction can be refused or cancelled for some reason. When this happens, the response includes a resultCode of Refused or Cancelled with a refusalReason field explaining why the transaction didn't succeed. The refusal reason is primarily based on the authorisation response code we receive from the issuer or card scheme, known as 'raw acquirer response'.

In your Customer Area, on the Payment Details page, the Acquirer Response field shows the refusal reason or the actual raw acquirer response.

There are many reasons why card schemes refuse a transaction. The corresponding authorization responses we receive are not the same for all schemes, and change from time to time. On this page, we describe the most common raw acquirer responses related to refused or cancelled transactions.

Visa and Mastercard raw responses

These are the most common raw responses from Visa and Mastercard for refused or cancelled transactions. The response code returns with or without a leading zero.

Last journal type refusalReasonRaw Description
Cancelled 00: Approved or completed successfully The transaction was cancelled after being initially approved by the issuer. This can be due to various reasons, for example, if the shopper returns goods after purchase.
Refused 01: Refer to card issuer The transaction was refused by the card issuer. The shopper should contact their bank for clarification. The shopper can try again after resolving the issue with their bank, or use another payment method.
Refused 03: Invalid merchant The transaction was refused by the card issuer. The shopper should contact their bank for clarification. The shopper can try again after resolving the issue with their bank, or use another payment method.
Refused 04: Capture card / Pick-up The card issuer requests to retain the card. This can be due to a suspected counterfeit or stolen card. This reason is used in an E-Commerce environment although it originates from a POS (Point Of Sale) environment.
Refused 05: Do not honor This is a generic refusal that has several possible causes. The shopper should contact their issuing bank for clarification.
Refused 06: Error Payment could not be authorised and resulted in an error. The shopper can try again or use another payment method.
Refused 07: Pickup card, special condition The card issuer requests to retain the card. This can be due to a suspected counterfeit or stolen card.
Cancelled 10: Partial approval The 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 The 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 The 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 or cards that are not allowed to do online purchases. The shopper should retry or use another payment method.
Refused 14: Invalid card number The card issuer is unable to validate the card/account number.
Refused 15: Invalid issuer The card number is not within a card number range supported by the scheme.
Refused 19: Re-enter transaction Applies for Visa. The transaction cannot be processed temporarily.
Refused 30: Format error The card issuer does not recognize the transaction details being entered. This is due to a format error. The shopper should check the transaction information and retry.
Refused 41: Lost card The card was reported as lost. Validate the shopper's authenticity and refer them to their bank.
Refused 43: Stolen card The card was reported as stolen. Validate the shopper's authenticity and refer them to their bank.
Refused 46: Closed account Applies for Visa. The account is closed. Re-validate the account number for accuracy and do not reattempt with the same PAN or token.
Refused 51: Insufficient funds/over credit limit / Not sufficient funds Insufficient funds in the cardholder's account. The shopper can try again after adding funds to their bank account, or use another payment method.
Refused 54: Expired card The card expiration date is in the past. The shopper should correct the date or use another payment method.
Refused 55: Invalid PIN The shopper has entered an incorrect PIN. The shopper should re-enter their PIN or use another payment method.
Refused 57: Transaction not permitted to issuer/cardholder The card issuer does not permit the transaction on this card/account. The shopper can use another payment method. For activation or loading of prepaid cards, the Merchant, acquirer BIN, and issuer BIN are not all domestic. An issuer's processing center is not certified to receive transaction-specific data in TLV format (field 104 in request message).
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 The card issuer or Adyen suspects this payment to be fraudulent and therefore refuses. We calculate the fraud score using a wide range of pre-determined criteria, read What does the fraud score mean? to learn more.
Refused 61: Exceeds withdrawal amount limit(s) / Withdrawal amount limit exceeded The shopper has exceeded their card limit. The shopper can try again after resolving the issue with their bank, or use another payment method.
Refused 62: Restricted card The card issuer has restricted where the card can be used. For example, because of embargoes.
Refused 63: Security violation The card issuer indicated a security issue with this card. The 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 The shopper has exceeded their card usage frequency limit. The shopper can use another payment method or try again with the same card after the shopper took care of the card limit issue.
Refused 6P: Customer ID verification failed Applies for Visa. Incorrect account verification (for example driving license number) related to Visa Direct. Not to be confused for cardholder verification method refusals such as CVV, for example.
Refused 65: Authentication required Applies for Mastercard. Authentication is required for the transaction. If the transaction is in scope of PSD2 and did not go through 3D Secure, retry with 3D Secure. This is also referred to as a "Soft Decline".
Refused 70: Contact Card Issuer Applies for Mastercard. The card issuer indicated an issue with this card and requests contact from the shopper. The shopper can use another payment method. Alternatively the shopper can try again after they resolved the issue with their bank.
Refused 70: PIN data required Applies for Visa. The card issuer requests to use Secure Customer Authentication. Reattempt transaction with PIN. (European Region Only)
Refused 75: Allowable number of PIN tries exceeded The shopper has entered an incorrect PIN more times than is allowed by the issuing bank. The shopper should retry or use another payment method.
Refused 78: Invalid/nonexistent account specified (general) The transaction is from a new cardholder, and the card has not been properly unblocked.
Refused 80: Credit issuer unavailable The issuing bank cannot be contacted. The shopper should retry or use another payment method.
Refused 82: Negative online CAM, dCVV, iCVV, CVV, or CAVV results or Offline PIN authentication interrupted Applies for Visa. The cardholder verification method failed for CAM, dCVV, iCVV, CVV or a service code for card present transactions.
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 authorised.
Authorised 85: Not declined (Valid for all zero amount transactions) Zero-value auth request authorised.
Refused 86: Cannot verify PIN Applies for Visa. The PIN cannot be validated. If applicable, the transaction can be reattempted as a non-PIN transaction.
Refused 91: Authorization Platform or issuer system inoperative / Issuer not available The issuing bank cannot be contacted. The shopper should retry or use another payment method.
Error 91: Issuer unavailable or switch inoperative The issuer or issuer processor cannot authorize, for example because of downtime.
Refused 92: Destination cannot be found for routing / Unable to route transaction The shopper is using a test card number on live. The shopper should use another payment method.
Refused 93: Transaction cannot be completed; violation of law The issuing bank will not allow this transaction. The shopper should use another payment method.
Refused 96: System malfunction The issuing bank cannot be contacted. The shopper should retry or use another payment method.
Refused 1A: Authentication Required Applies for Visa. Authentication is required for the transaction. If the transaction is in scope of PSD2 and did not go through 3D Secure, retry with 3D Secure. This is also referred to as a "Soft Decline".
Refused R0: Stop payment order Applies for Visa. The cardholder requested to stop a specific, single recurring payment transaction. Contact the shopper regarding cancellation of this transaction.
Refused R1: Revocation of authorisation order Applies for Visa. The cardholder requested to stop all recurring payment transactions. Contact the shopper regarding cancellation of all transactions.
Refused R3: Revocation of all authorisation orders Applies for Visa. All recurring payments have been cancelled for the card number in the request. Contact the shopper regarding cancellation of all transactions.
Refused Z1: Offline-declined Applies for Visa. Only used in non-cardholder requests such as advice.
Refused Z3: Unable to go online; offline-declined Applies for Visa. Only used in non-cardholder requests such as advice.

American Express raw responses

These are the most common raw responses from American Express for refused or cancelled transactions.

Last journal type refusalReasonRaw Description
Cancelled 000: Approved The transaction was cancelled after being initially approved by the issuer. This can be due to various reasons, for example, if the shopper returns goods after purchase.
Cancelled 001: Approve with ID The transaction was cancelled after the issuer requested that identification be established through telephone contact between the acquiring center's authoriser and the merchant.
Cancelled 002: Prepaid Card Partial Authorization 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 100: Deny This is a generic refusal that can have several possible reasons. Shopper should contact their issuing bank for clarification.
Refused 101: Expired Card / Invalid Expiration Date The card expiration date is in the past. The shopper should correct the date or use another payment method.
Refused 106: PIN tries exceeded The shopper has entered an incorrect PIN more times than is allowed by the issuing bank. The shopper should retry or use another payment method.
Refused 109: Invalid Service Establishment The transaction was refused by the card issuer. The shopper should contact their bank for clarification. The shopper can try again after resolving the issue with their bank, or use another payment method.
Refused 110: Invalid amount The transaction amount was specified in an invalid format. For example, an invalid character such as a dollar sign or a space was used. The shopper should correct or use another payment method.
Refused 111: Invalid account The card issuer is unable to validate the card/account number, possibly because an invalid character was used.
Refused 115: Requested function not supported The card issuer does not allow this type of transaction on this card/account.
Refused 117: Incorrect PIN The shopper entered an invalid PIN. The shopper should retry or use another payment method.
Refused 119: Transaction not permitted to Cardmember The card issuer doesn't permit the transaction on this card/account. The shopper can use another payment method.
Refused 122: Invalid Keyed Printed Card Security Code (PCSC) The card issuer indicated a security issue with this card. The shopper can use another payment method. Alternatively, the shopper can try again after they resolved the issue with their bank.
Refused 125: Invalid Effective Date on Card The card expiration date provided is not a valid date format. The shopper should correct or use another payment method.
Refused 130: Additional customer identification required Authentication is required for the transaction. If the transaction is in scope of PSD2 and did not go through 3D Secure, retry with 3D Secure. This is also referred to as a "Soft Decline".
Refused 181: Format error The card issuer does not recognize the transaction details being entered. This is due to a format error. The shopper should check the transaction information and retry.
Refused 183: Invalid Currency Code The currency code provided doesn't comply with standards.
Refused 187: Deny New Card Issued The card issuer supplied the cardholder with a new card. The shopper should retry with the new card, or use another payment method
Refused 189: Deny Canceled or Closed Card Acceptor The merchant has stopped operations or is no longer accepting cards from this card scheme.
Refused 200: Deny pick up Card The card issuer requests to retain the card. This can be due to a suspected counterfeit or stolen card.
Refused 900: Advice accepted The ExpressPay issuer is unable to respond to an ATC Synchronization Authorization Request.
Refused 911: Card Issuer timed out The issuing bank cannot be contacted. The shopper should retry or use another payment method.
Refused 912: Host unavailable The issuing bank cannot be contacted. The shopper should retry or use another payment method.

PayPal raw responses

These are the most common raw acquirer responses from PayPal for refused, failed or cancelled transactions.

Last journal type RefusalReasonRaw Description
CaptureFailed 10606 - Transaction rejected, please contact the buyer The shopper cannot pay. For more information on why the capture failed, contact PayPal.
CaptureFailed 11607 - Duplicate request This transaction could not be completed since it is duplicate. Check whether the shopper already attempted a transaction.
Error 10001: Internal Error This indicates a technical issue on PayPal's side. For more information, contact PayPal.
Error 10002 : The user account is locked Your PayPal account may be locked. For more information, contact PayPal.
Error 10002: Restricted account PayPal merchant account has been restricted. Contact your PayPal account manager to resolve the issue.
Error 10212: Profile preference setting Applies to subscription payments. The shopper’s PayPal account is configured to automatically block certain payments. The shopper can adjust this in their PayPal account.
Error 10525: Invalid Data The transaction cannot be processed because the amount is zero.
If you want to make a zero-auth transaction to validate payment details, make sure that you're sending the required parameters to save payment details.
Error 10729: Shipping Address State Empty For transactions in the US and Canada, the deliveryAddress has to include a stateOrProvince.
Error 10730: Shipping Address Postal Code Empty The deliveryAddress has to include a postalCode.
Error 11452: Merchant not enabled for reference transactions You tried to either create or use a token, but don't have the recurring feature enabled on your PayPal account. Contact PayPal to resolve the issue.
Error 11557: Permission denied Your PayPal account does not have the required API permissions. If the problem persists, contact PayPal.
Error 11601: Request for billing address failed The Request billing address feature is not enabled on your PayPal account. Contact PayPal to have it enabled.
Refused/Error XXXXX: Transaction refused because of an invalid argument. See additional error message No specific reason provided. For more information, refer to PayPal's API Error Codes.
Refused 10201: Agreement cancelled The billing agreement of a recurring payment is cancelled on PayPal's side. You can either retry the payment with another token, or create a new token.
Refused 10204: Denied The shopper's PayPal account is closed or restricted. The shopper should contact PayPal to resolve the issue.
Refused 13122: Transaction refused This transaction cannot be completed because it violates the PayPal User Agreement. For more information, contact PayPal.
Refused 10417: Transaction cannot complete This payment failed. PayPal recommends that you ask the shopper to retry the transaction using another payment method from their PayPal wallet.
Refused 10486: This transaction could not be completed The transaction failed due to a bad funding source; for example, the payment exceeded the shopper's card limit.
RefundFailed 10002: You do not have permission to make this API call Your PayPal does not have the required API permissions. If the problem persists, contact PayPal.
RefundFailed 10007: Permission denied - You do not have permission to refund this transaction This issue is related to the permissions you have on PayPal's side. For more information, refer to PayPal documentation.
RefundFailed 10009: You do not have a verified ACH You can receive this response in the following scenarios:
  • Your PayPal account does not have enough funds for the refund.
  • You haven't verified the bank account associated to your PayPal account.
  • Your PayPal account doesn't have a bank account associated to it.
Contact PayPal to resolve the issue.

Klarna raw responses

These are the most common raw acquirer responses from Klarna for successful, refused, failed or cancelled transactions.

Last journal type Raw acquirer response Description
PENDING This is an expected response for Klarna Widget integrations.
Authorised ACCEPTED The payment was authorised.
Error BAD_VALUE : order_lines[X].total_tax_amount There is an error in the tax amounts for order line [X]. Tax amounts should add up over all order lines. Klarna validates this on their end. Refer to our Klarna documentation to see how to send in tax amounts in your payment request.
Error BAD_VALUE : order_tax_amount There is an error in the tax amounts. Tax amounts should add up over all order lines. Klarna validates this on their end. Refer to our Klarna documentation to see how to send in tax amounts in your payment request.
Error BAD_VALUE : billing_address.postal_code, shipping_address.postal_code or BAD_VALUE : shipping_address.postal_code, billing_address.postal_code The postal code in the billingAddress or the deliveryAddress in your payment request is not formatted correctly. Refer to our Klarna documentation, select your integration type and refer to the make a payment section to see how to format the shopper's address.
Error BAD_VALUE : billing_address.phone, shipping_address.phone or BAD_VALUE : shipping_address.phone, billing_address.phone The telephone number in your payment request is not formatted correctly. Refer to our Klarna documentation, select your integration type and refer to the make a payment section to see how to format the telephone number.
Error Payment method not available (contact Klarna) The payment method defined in the payment request is not configured correctly. Verify that you have enabled Klarna in your Customer Area.
Error Allowed category list is empty Edit your payment request. Your payment request does not follow the guidelines defined in our Klarna documentation. For example, make sure that the delivery address and billing address are in the same country.
Error Missing returnUrl Your payment request is missing the returnUrl parameter.
OfferCancelled NOT_FOUND : Invalid session id The shopper has tried to make a payment for an offer that has expired. We recommend that you ask the shopper to retry the transaction.
Not linked to a payment status, check logs. ReadSessionResponse does not have valid authorisation token Klarna sends this error when:
  • The /payments/details call to Adyen is made before the shopper received an authorisation from Klarna.
  • The shopper's authorisation token from Klarna has expired after 60 minutes.
There could be multiple reasons for this to happen.
Refused REFUSED Klarna's internal risk engine refused the payment. A possible reason is that the shopper has an unpaid balance towards Klarna.
Refused PAYMENT_METHOD_FAILED : Purchase for payment method failed Klarna's internal risk engine refused the payment. A possible reason is that the shopper has an unpaid balance towards Klarna.
Refused No InvoiceLines provided Your payment request did not include invoice lines. Refer to our Klarna documentation to see how to send in invoice lines in your payment request.