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Im posting this because the more you know about your situation the easier you make situation when trying to cashout. Dont just accept a decline, FIND OUT WHY? Sometimes its a quick fix. ie eclined because reg lock. - find ssn to fix
*Response codes received that are not in this table should be treated as a general error not approved.
Key:
Action Description
Call Call your Chase Paymentech Customer Service for assistance
Cust. Try to resolve with customer or obtain alternate payment method
Fix There is an invalid value being sent. Fix and resend
Resend Send this transaction back at any time
Voice Perform a voice authorization per instructions provided by Chase Paymentech
Wait Wait 2-3 days before resending or try to resolve with the customer
Response Codes:
Code Definition Status Action
00 Approved Approved None
01 Call/Refer to Card Issuer Decline Voice
02 Refer to Card issuer's special conditions Decline Voice
03 Invalid Merchant Number Error Fix
04 Pickup Decline Cust.
05 Do Not Honor Decline Cust.
06 Other Error Decline Cust.
07 Stop Deposit Order Decline Cust.
08 Approved authorization, honor with identification Approved None
09 Revocation of Auth Decline Cust.
10 Default Call Decline Voice
11 Approved authorization, VIP Approval Approved None
12 Invalid Transaction Type Decline Cust.
13 Bad Amount Decline Fix
14 Invalid Credit Card Number Decline Fix
15 Default Call Low Fraud Decline Voice
16 Default Call Medium Fraud Decline Voice
17 Default Call High fraud Decline Voice
18 Default Call Unavailable Fraud Decline Voice
19 Re-enter Transaction Error Resend
20 Floor Low Fraud Decline Cust.
21 Floor Medium Fraud Decline Cust.
22 Floor High fraud Decline Cust.
23 Floor Unavailable Fraud Decline Cust.
24 Validated Approved None
26 Pre-noted Approved None
27 No reason to decline Decline Cust.
28 Received and stored Approved None
29 Provided Auth Approved None
30 Invalid value in message Error Fix
31 Request received Approved None
32 BIN Alert Approved None
33 Card is expired Decline Cust.
34 Approved for partial Approved None
35 Zero Amount Error Fix
36 Bad Total Auth amount Error Fix
37 Invalid Secure Payment Data Error Fix
38 Merchant not MC SecureCode Enabled Decline Call
40 Requested Function not supported Error Call or Fix
41 Lost / Stolen Decline Cust.
42 Account Not Active Decline Cust.
43 Lost / Stolen Card Decline Cust.
45 Duplicate Transaction Decline Cust.
46 Blanks not passed in Reserved Field Decline Fix
50 Positive ID Decline Cust.
52 Processor Decline Decline Cust.
56 Restraint Decline Cust.
58 Transaction not permitted to terminal Error Call
59 Soft AVS Decline Cust.
60 Do Not Honor Low Fraud Decline Cust.
61 Do Not Honor Medium Fraud Decline Cust.
62 Do Not Honor High fraud Decline Cust.
63 Do Not Honor Unavailable Fraud Decline Cust.
64 CVV2/CVC2 Failure Decline Cust.
65 Invalid Amex CID Decline Cust.
66 Other Error Error Fix
68 Invalid CC Number Error Fix
69 Does not match MOP Error Fix
71 No Account Decline Fix
72 Invalid Institution Code Decline Fix
73 Method of Payment is Invalid for Merchant Error Fix
74 Invalid Expiration Date Decline Cust.
75 Bad Amount Error Fix
77 Invalid Amount Decline Fix
78 Missing Companion Data Error Fix
79 Invalid Merchant Error Fix
80 Invalid MOP for division Error Fix
85 Duplicated Order # Error Fix
86 Auth Recycle Host down Error Wait
87 Invalid Currency Error Fix
88 Invalid Purch. Level III Error Fix
89 Credit Floor Decline Cust.
95 Invalid Data Type Error Fix
96 Invalid Record Sequence Error Fix
97 Percents Not Total 100 Error Fix
98 Issuer Unavailable Decline Resend
99 No Answer / Unable to send Error Resend
A1 Payments Not Total Order Error Fix
A2 Bad Order Number Error Fix
A3 FPO Locked Error Wait
A4 FPO Not Allowed Error Call
A5 Auth Amount Wrong Error Fix
A6 Illegal Action Error Fix
A8 Invalid Start Date Error Fix
A9 Invalid Issue Number Error Fix
B1 Invalid Transaction Type Error Fix
B2 Account Previously Activated Decline Cust
B3 Unable to void transaction Error Fix
B5 Not on file Decline Fix
B7 Fraud Decline Cust.
B8 Bad Debt Decline Cust.
B9 On Negative File Decline Cust.
BA Under 18 Years Old Decline Cust.
BB Possible Compromise Decline Cust.
BC Bill To Not Equal To Ship To Decline Cust.
BD Invalid Pre-approval Number Decline Cust.
BE Invalid Email Address Decline Cust.
BF PA ITA Number Inactive Decline Cust.
BG Blocked Account Decline Cust.
BH Address Verification Failed Decline Cust.
BI Not on Credit Bureau Decline Cust.
BJ Previously Declined Decline Cust.
BK Closed Account, New Account Closed Decline Cust.
BL Re-Authorization Decline Cust.
BM Re-Authorization – No Match Decline Cust.
BN Re-Authorization – Timeframes Exceeded Decline Cust.
BO Stand In Rules Decline Cust.
BP 'Customer Service Phone Number required on Error Fix
Transaction Types 1 (MO/TO) and 2
(Recurring). MC Only
BQ 'Issuer has flagged account as suspected fraud. (Discover Only) Decline Cust.
BR Invalid MCC Sent Error Fix
BS New Card Issued Decline Cust.
C1 Invalid Issuer Decline Cust.
C2 Invalid Response Code Decline Fix
C3 Excessive Pin Try Decline Cust.
C4 Over Limit Decline Cust.
C5 Over Freq Limit Decline Cust.
C6 Over Sav limit Decline Cust.
C7 Over Sav Freq Decline Cust.
C8 Over Credit limit Decline Cust.
C9 Over Credit Freq Decline Cust.
D1 Invalid For Credit Decline Fix
D2 Invalid For Debit Decline Fix
D3 Rev Exceed Withdrawal Decline Cust.
D4 One Purchasing Limit Decline Cust.
D5 On Negative File Decline Cust.
D6 Changed Field Decline Fix
D7 Insufficient Funds Decline Cust.
D8 Encrypted Data Bad Decline Fix
D9 Altered Data Decline Fix
E3 Invalid Prefix Decline Fix
E4 Invalid Institution Decline Fix
E5 Invalid Cardholder Decline Fix
E6 BIN Block Decline Fix
E7 Stored Approved None
E8 Invalid Transit Routing Number Error Fix
E9 Unknown Transit Routing Number Error Fix
F1 Missing Name Error Fix
F2 Invalid Account Type Error Fix
F3 Account Closed Error Cust.
F4 No Account / Unable To Locate Error Fix
F5 Account holder Deceased Error Cust.
F6 Beneficiary Deceased Error Cust.
F7 Account Frozen Error Cust.
F8 Customer Opt Out Error Cust.
F9 ACH Non-Participant Error Cust.
G1 No Pre-note Error Fix
G2 No Address Error Fix
G3 Invalid Account Number Error Fix
G4 Authorization Revoked by Consumer Error Cust.
G5 Customer Advises Not Authorized Error Cust.
G6 Invalid CECP Action Code Error Fix
G7 Invalid Account Format Error Fix
G8 Bad Account Number Data Error Fix
G9 No Capture Decline N/A
H1 No Credit Function Decline N/A
H2 No Debit Function Decline N/A
H3 Rev Exceed Withdrawal Decline Cust.
H4 Changed Field Decline N/A
H5 Terminal Not Owned Decline N/A
H6 Invalid Time Decline Fix
H7 Invalid Date Decline Fix
H8 Invalid Terminal Number Decline Fix
H9 Invalid PIN Decline Cust.
I1 Block activation failed – Card Range not set up for MOD 10 Error Fix
I2 Block activation failed – email or fulfillment flags were set to Y Error Fix
I3 Declined – Issuance doesn’t meet minimum amount Declined Cust
I4 Declined – no original auth found Decline Cust
I5 Declined – outstanding auth, funds on hold Decline Cust
I6 Activation amount incorrect Decline Fix
I7 Block activation failed- account not correct or block size not correct Decline Fix
I8 Mag stripe CVD value failed Decline Fix
I9 Max Redemption limit met Decline Fix
J1 No Manual Key Decline Fix
J2 Not Signed In Decline Fix
J3 Excessive Pin Try Decline Cust.
J4 No DDA Decline Fix
J5 No SAV Decline Fix
J6 Excess DDA Decline Cust.
J7 Excess DDA FREQ Decline Cust.
J8 Excess SAV Decline Cust.
J9 Excess SAV FREQ Decline Cust.
K1 Excess Card Decline Cust.
K2 Excess Card Freq Decline Cust.
K3 Reserved Future Decline N/A
K4 Reserved Closing Decline N/A
K5 Dormant Decline Cust.
K6 NSF Decline Cust.
K7 Future RD Six Decline N/A
K8 Future RD Seven Decline N/A
K9 Transaction Code Conflict Decline Fix
L1 In Progress Decline Wait
L2 Process Unavailable Error Resend
L3 Invalid Expiration Error Fix
L4 Invalid Effective Error Fix
L5 Invalid Issuer Decline Fix
L6 Tran not allowed for cardholder Decline Cust.
L7 Unable to Determine Network Routing Error Call
L8 System Error Error Call
L9 Database Error Error Call
M1 Merchant Override Decline Decline Cust.
PA Partial Approval Approved N/A
PB Revocation of all Authorization Decline Cust.
*Response codes received that are not in this table should be treated as a general error not approved.
Key:
Action Description
Call Call your Chase Paymentech Customer Service for assistance
Cust. Try to resolve with customer or obtain alternate payment method
Fix There is an invalid value being sent. Fix and resend
Resend Send this transaction back at any time
Voice Perform a voice authorization per instructions provided by Chase Paymentech
Wait Wait 2-3 days before resending or try to resolve with the customer
Response Codes:
Code Definition Status Action
00 Approved Approved None
01 Call/Refer to Card Issuer Decline Voice
02 Refer to Card issuer's special conditions Decline Voice
03 Invalid Merchant Number Error Fix
04 Pickup Decline Cust.
05 Do Not Honor Decline Cust.
06 Other Error Decline Cust.
07 Stop Deposit Order Decline Cust.
08 Approved authorization, honor with identification Approved None
09 Revocation of Auth Decline Cust.
10 Default Call Decline Voice
11 Approved authorization, VIP Approval Approved None
12 Invalid Transaction Type Decline Cust.
13 Bad Amount Decline Fix
14 Invalid Credit Card Number Decline Fix
15 Default Call Low Fraud Decline Voice
16 Default Call Medium Fraud Decline Voice
17 Default Call High fraud Decline Voice
18 Default Call Unavailable Fraud Decline Voice
19 Re-enter Transaction Error Resend
20 Floor Low Fraud Decline Cust.
21 Floor Medium Fraud Decline Cust.
22 Floor High fraud Decline Cust.
23 Floor Unavailable Fraud Decline Cust.
24 Validated Approved None
26 Pre-noted Approved None
27 No reason to decline Decline Cust.
28 Received and stored Approved None
29 Provided Auth Approved None
30 Invalid value in message Error Fix
31 Request received Approved None
32 BIN Alert Approved None
33 Card is expired Decline Cust.
34 Approved for partial Approved None
35 Zero Amount Error Fix
36 Bad Total Auth amount Error Fix
37 Invalid Secure Payment Data Error Fix
38 Merchant not MC SecureCode Enabled Decline Call
40 Requested Function not supported Error Call or Fix
41 Lost / Stolen Decline Cust.
42 Account Not Active Decline Cust.
43 Lost / Stolen Card Decline Cust.
45 Duplicate Transaction Decline Cust.
46 Blanks not passed in Reserved Field Decline Fix
50 Positive ID Decline Cust.
52 Processor Decline Decline Cust.
56 Restraint Decline Cust.
58 Transaction not permitted to terminal Error Call
59 Soft AVS Decline Cust.
60 Do Not Honor Low Fraud Decline Cust.
61 Do Not Honor Medium Fraud Decline Cust.
62 Do Not Honor High fraud Decline Cust.
63 Do Not Honor Unavailable Fraud Decline Cust.
64 CVV2/CVC2 Failure Decline Cust.
65 Invalid Amex CID Decline Cust.
66 Other Error Error Fix
68 Invalid CC Number Error Fix
69 Does not match MOP Error Fix
71 No Account Decline Fix
72 Invalid Institution Code Decline Fix
73 Method of Payment is Invalid for Merchant Error Fix
74 Invalid Expiration Date Decline Cust.
75 Bad Amount Error Fix
77 Invalid Amount Decline Fix
78 Missing Companion Data Error Fix
79 Invalid Merchant Error Fix
80 Invalid MOP for division Error Fix
85 Duplicated Order # Error Fix
86 Auth Recycle Host down Error Wait
87 Invalid Currency Error Fix
88 Invalid Purch. Level III Error Fix
89 Credit Floor Decline Cust.
95 Invalid Data Type Error Fix
96 Invalid Record Sequence Error Fix
97 Percents Not Total 100 Error Fix
98 Issuer Unavailable Decline Resend
99 No Answer / Unable to send Error Resend
A1 Payments Not Total Order Error Fix
A2 Bad Order Number Error Fix
A3 FPO Locked Error Wait
A4 FPO Not Allowed Error Call
A5 Auth Amount Wrong Error Fix
A6 Illegal Action Error Fix
A8 Invalid Start Date Error Fix
A9 Invalid Issue Number Error Fix
B1 Invalid Transaction Type Error Fix
B2 Account Previously Activated Decline Cust
B3 Unable to void transaction Error Fix
B5 Not on file Decline Fix
B7 Fraud Decline Cust.
B8 Bad Debt Decline Cust.
B9 On Negative File Decline Cust.
BA Under 18 Years Old Decline Cust.
BB Possible Compromise Decline Cust.
BC Bill To Not Equal To Ship To Decline Cust.
BD Invalid Pre-approval Number Decline Cust.
BE Invalid Email Address Decline Cust.
BF PA ITA Number Inactive Decline Cust.
BG Blocked Account Decline Cust.
BH Address Verification Failed Decline Cust.
BI Not on Credit Bureau Decline Cust.
BJ Previously Declined Decline Cust.
BK Closed Account, New Account Closed Decline Cust.
BL Re-Authorization Decline Cust.
BM Re-Authorization – No Match Decline Cust.
BN Re-Authorization – Timeframes Exceeded Decline Cust.
BO Stand In Rules Decline Cust.
BP 'Customer Service Phone Number required on Error Fix
Transaction Types 1 (MO/TO) and 2
(Recurring). MC Only
BQ 'Issuer has flagged account as suspected fraud. (Discover Only) Decline Cust.
BR Invalid MCC Sent Error Fix
BS New Card Issued Decline Cust.
C1 Invalid Issuer Decline Cust.
C2 Invalid Response Code Decline Fix
C3 Excessive Pin Try Decline Cust.
C4 Over Limit Decline Cust.
C5 Over Freq Limit Decline Cust.
C6 Over Sav limit Decline Cust.
C7 Over Sav Freq Decline Cust.
C8 Over Credit limit Decline Cust.
C9 Over Credit Freq Decline Cust.
D1 Invalid For Credit Decline Fix
D2 Invalid For Debit Decline Fix
D3 Rev Exceed Withdrawal Decline Cust.
D4 One Purchasing Limit Decline Cust.
D5 On Negative File Decline Cust.
D6 Changed Field Decline Fix
D7 Insufficient Funds Decline Cust.
D8 Encrypted Data Bad Decline Fix
D9 Altered Data Decline Fix
E3 Invalid Prefix Decline Fix
E4 Invalid Institution Decline Fix
E5 Invalid Cardholder Decline Fix
E6 BIN Block Decline Fix
E7 Stored Approved None
E8 Invalid Transit Routing Number Error Fix
E9 Unknown Transit Routing Number Error Fix
F1 Missing Name Error Fix
F2 Invalid Account Type Error Fix
F3 Account Closed Error Cust.
F4 No Account / Unable To Locate Error Fix
F5 Account holder Deceased Error Cust.
F6 Beneficiary Deceased Error Cust.
F7 Account Frozen Error Cust.
F8 Customer Opt Out Error Cust.
F9 ACH Non-Participant Error Cust.
G1 No Pre-note Error Fix
G2 No Address Error Fix
G3 Invalid Account Number Error Fix
G4 Authorization Revoked by Consumer Error Cust.
G5 Customer Advises Not Authorized Error Cust.
G6 Invalid CECP Action Code Error Fix
G7 Invalid Account Format Error Fix
G8 Bad Account Number Data Error Fix
G9 No Capture Decline N/A
H1 No Credit Function Decline N/A
H2 No Debit Function Decline N/A
H3 Rev Exceed Withdrawal Decline Cust.
H4 Changed Field Decline N/A
H5 Terminal Not Owned Decline N/A
H6 Invalid Time Decline Fix
H7 Invalid Date Decline Fix
H8 Invalid Terminal Number Decline Fix
H9 Invalid PIN Decline Cust.
I1 Block activation failed – Card Range not set up for MOD 10 Error Fix
I2 Block activation failed – email or fulfillment flags were set to Y Error Fix
I3 Declined – Issuance doesn’t meet minimum amount Declined Cust
I4 Declined – no original auth found Decline Cust
I5 Declined – outstanding auth, funds on hold Decline Cust
I6 Activation amount incorrect Decline Fix
I7 Block activation failed- account not correct or block size not correct Decline Fix
I8 Mag stripe CVD value failed Decline Fix
I9 Max Redemption limit met Decline Fix
J1 No Manual Key Decline Fix
J2 Not Signed In Decline Fix
J3 Excessive Pin Try Decline Cust.
J4 No DDA Decline Fix
J5 No SAV Decline Fix
J6 Excess DDA Decline Cust.
J7 Excess DDA FREQ Decline Cust.
J8 Excess SAV Decline Cust.
J9 Excess SAV FREQ Decline Cust.
K1 Excess Card Decline Cust.
K2 Excess Card Freq Decline Cust.
K3 Reserved Future Decline N/A
K4 Reserved Closing Decline N/A
K5 Dormant Decline Cust.
K6 NSF Decline Cust.
K7 Future RD Six Decline N/A
K8 Future RD Seven Decline N/A
K9 Transaction Code Conflict Decline Fix
L1 In Progress Decline Wait
L2 Process Unavailable Error Resend
L3 Invalid Expiration Error Fix
L4 Invalid Effective Error Fix
L5 Invalid Issuer Decline Fix
L6 Tran not allowed for cardholder Decline Cust.
L7 Unable to Determine Network Routing Error Call
L8 System Error Error Call
L9 Database Error Error Call
M1 Merchant Override Decline Decline Cust.
PA Partial Approval Approved N/A
PB Revocation of all Authorization Decline Cust.
