Bank and SecurePay Response Codes
Last updated: 19/07/2013
Bank Response Codes for Credit Card Transactions
Response Text
Code
Code
Response Text
APPROVED
00
11
77
Approved
Approved VIP (not used)
Approved (ANZ only)
08
16
01
02
03
04
05
06
07
09
10
12
13
14
15
17
18
19
20
21
22
23
24
Refer to Card Issuer
Refer to Issuer’s Special Conditions
Invalid Merchant
Pick Up Card
Do Not Honour
Error
Pick Up Card, Special Conditions
Request in Progress
Partial Amount Approved
Invalid Transaction
Invalid Amount
Invalid Card Number
No Such Issuer
Customer Cancellation
Customer Dispute
Re-enter Transaction
Invalid Response
No Action Taken
Suspected Malfunction
Unacceptable Transaction Fee
File Update not Supported by
Receiver
Unable to Locate Record on File
Duplicate File Update Record
File Update Field Edit Error
File Update File Locked Out
File Update not Successful
Format Error
Bank not Supported by Switch
Completed Partially
Expired Card—Pick Up
Suspected Fraud—Pick Up
Contact Acquirer—Pick Up
Restricted Card—Pick Up
Call Acquirer Security—Pick Up
Allowable PIN Tries Exceeded
No CREDIT Account
Requested Function not Supported
Honour with ID
Approved, Update Track 3 (not used)
DECLINED
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
© SecurePay Pty Ltd
41
42
43
44
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
Lost Card—Pick Up
No Universal Amount
Stolen Card—Pick Up
No Investment Account
Insufficient Funds
No Cheque Account
No Savings Account
Expired Card
Incorrect PIN
No Card Record
Trans. not Permitted to Cardholder
Transaction not Permitted to Terminal
Suspected Fraud
Card Acceptor Contact Acquirer
Exceeds Withdrawal Amount Limits
Restricted Card
Security Violation
Original Amount Incorrect
Exceeds Withdrawal Frequency Limit
Card Acceptor Call Acquirer Security
Hard Capture—Pick Up Card at ATM
68
75
86
87
88
89
90
91
92
93
94
95
96
97
98
99
Response Received Too Late
Allowable PIN Tries Exceeded
ATM Malfunction
No Envelope Inserted
Unable to Dispense
Administration Error
Cut-off in Progress
Issuer or Switch is Inoperative
Financial Institution not Found
Trans Cannot be Completed
Duplicate Transmission
Reconcile Error
System Malfunction
Reconciliation Totals Reset
MAC Error
Reserved for National Use
Page 2 of 8
SecurePay Payment Server Response Codes
Response Text
Code
Description
DECLINED
100
101
Invalid Transaction Amount
Invalid Card Number
102
Invalid Expiry Date Format
103
104
Invalid Purchase Order
Invalid Merchant ID
106
Card type unsupported
109
Invalid credit card CVV number format
110
Unable To Connect To Server
111
Server Connection Aborted During
Transaction
112
Transaction timed out By Client
113
General Database Error
114
Error loading properties file
115
Fatal Unknown Server Error
116
117
Function unavailable through Bank
Message Format Error
118
Unable to Decrypt Message
119
Unable to Encrypt Message
123
Gateway Timeout
124
Gateway Connection Aborted During
Transaction
125
Unknown Error Code
126
Unable to Connect to Gateway
131
Invalid Number Format
132
Invalid Date Format
133
Transaction for refund not in database
134
Transaction already fully refunded / Only
$x.xx available for refund
Transaction for reversal not in database
135
© SecurePay Pty Ltd
If payment transaction amount is non-integer, negative, or zero
If credit card number contains characters other digits, or bank
does not recognize this number as a valid credit card number
If expiry date does not follow the format MM/YY or contains an
invalid date
If purchase order is an empty string
If Merchant ID does not follow the format XXXDDDD, where X is
a letter and D is a digit, or Merchant ID is not found in
SecurePay’s database.
Merchant is not configured to accept payment from this
particular Credit Card type
CVV Number contains character other than digits or contains
more than 6 characters
Produced by SecurePay Client API when unable to establish
connection to SecurePay Payment Gateway
Produced by SecurePay Client API when connection to
SecurePay Payment Gateway is lost after the payment
transaction has been sent
Produced by SecurePay Client API when no response to
payment transaction has been received from SecurePay
Payment Gateway within predefined time period (default 80
seconds)
Payment Gateway was unable to read or write information to the
database while processing the transaction
Payment Gateway encountered an error while loading
configuration information for this transaction
Transaction could not be processed by the Payment Gateway
due to unknown reasons
The bank doesn’t support the requested transaction type
SecurePay Payment Gateway couldn’t correctly interpret the
transaction message sent
SecurePay’s security methods were unable to decrypt the
message
SecurePay’s security methods were unable to encrypt the
message
Produced by SecurePay Payment Gateway when no response
to the transaction has been received from bank gateway within
predefined time period
Produced by SecurePay Payment Gateway when connection to
bank gateway is lost after the payment transaction has been
sent
Produced by the bank gateway, textual description of the actual
problem is stored in the database
SecurePay Payment Gateway couldn’t establish a connection to
Bank Gateway
A sting entered cannot be parsed as an integer. I.e. string must
contain only digits, or preceding ‘-‘ sign
Date entered does not follow the format DD/MM/YYYY, where
DD is the 2-digit day of the month, MM is the 2-digit month
number, and YYYY is the 4-digit year number; also if month is <
1 or > 12, or date is < 0 or > maximum days in that month
Refund operation requested, and the original approved
transaction is not found in the database
Refund operation is requested, and the given transaction has
already been fully or partially refunded
Reversal operation requested, and the original approved
transaction is not found in the database
Page 3 of 8
SecurePay Payment Server Response Codes
Response
Code
Response Text
Description
DECLINED
136
Transaction already reversed
137
Pre-auth transaction not found in database
138
Pre-auth already completed
139
No authorisation code supplied
140
Partially refunded, Do refund to complete
141
No transaction ID supplied
142
Pre-auth was done for smaller amount
143
Payment amount smaller than minimum
144
Payment amount greater than maximum
145
System maintenance in progress
146
Duplicate Payment Found
147
No Valid MCC Found
148
149
Invalid Track 2 Data
Track 2 Data Not Supplied
151
Invalid Currency Code
152
Multi-currency not supported by bank
153
External Database Error
157
158
159
160
Fraud Check Passed
Fraud Check Error
Suspected Fraud
Cardholder could not be authenticated
175
No Action Taken
176
177
Merchant Not Enrolled in 3D Secure
Unable to connect to MPI for 3D Secure
178
3D Secure MPI Configuration Error
179
190
User Cancelled Payment
Merchant Gateway Not Configured
195
199
Merchant Gateway Disabled
Merchant Gateway Discontinued
© SecurePay Pty Ltd
Reversal operation requested, and the given transaction has
already been reversed
Complete operation requested, and the matching approved preauth transaction is not found in the database
Complete operation requested, and the given pre-auth has
already been completed
Client performing Complete transaction did not provide Pre-auth
Code from original pre-auth transaction
Reversal operation is requested, and the given transaction has
already been partially refunded
Client performing Refund/Reversal transaction did not provide
original payment’s Bank Transaction ID
Complete operation was requested but the amount specified is
greater the pre-authorised amount
The payment amount was smaller than the minimum accepted
by the merchant
The payment amount was greater than the maximum accepted
by the merchant
The system maintenance is in progress and the system is
currently unable to process transactions
The system located a transaction that seems to be a duplicate
of the current attempt. Transaction is not passed to bank, and
customer should contact their merchant before making payment.
(Used in SecureBill / IVR only at present.)
The merchant does not have a valid MCC (Merchant Category
Code) set up to complete this transaction (Refers to Recurring
transactions only at present).
If track 2 data is invalid length.
Track 2 data was not supplied and the transaction cannot be
completed (Refers to Card Present transactions only at
present).
The currency code supplied does not match the format required
by SecurePay. Check the list of accepted currency codes.
The financial institution used for this payment only accepts
payments in Australian dollars (AUD).
A database error has occurred outside the SecurePay Payment
Server (e.g. DEFT, etc)
Fraud check successful. No suspected fraud.
Cannot evaluate transaction for fraud.
Transaction suspected to be fraudulent.
Customer entered their Verified by Visa or MasterCard
SecureCode password incorrectly, or an error occurred while
authenticating the customer
The payment was held in the processing queue too long and
was rejected without processing. Usually a symptom of slow
bank responses. Additional terminal IDs may help solve this
problem if it occurs frequently.
Please call SecurePay to be added to our 3D Secure service
An internal connectivity error occurred preventing 3D Secure
authentication at this time
An internal configuration error occurred preventing 3D Secure
authentication at this time
The user chose to exit the payment process before completion
The gateway for the merchant has been reserved, but not yet
configured to be live by SecurePay staff.
SecurePay has disabled the merchant gateway.
SecurePay has discontinued the merchant gateway.
Page 4 of 8
SecurePay Payment Server Response Codes
Response
Code
Response Text
Description
APPROVED
000
Normal
Message processed correctly (check transaction
response for details).
DECLINED
504
Invalid Merchant ID
505
Invalid URL
510
Unable To Connect To Server
511
Server Connection Aborted During
Transaction
512
Transaction timed out By Client
513
514
General Database Error
Error loading properties file
515
Fatal Unknown Error
516
Request type unavailable
517
Message Format Error
524
Response Format Error
545
System maintenance in progress
550
Invalid password
575
577
Not implemented
580
Process method has not been called
594
Duplicate Transmission
595
Merchant Disabled
Too Many Records for Processing
© SecurePay Pty Ltd
If Merchant ID does not follow the format XXXDDDD,
where X is a letter and D is a digit, or Merchant ID is
not found in SecurePay’s database.
The URL passed to either Echo, Query or Payment
object is invalid.
Produced by SecurePay Client API when unable to
establish connection to SecurePay Payment Gateway
Produced by SecurePay Client API when connection
to SecurePay Payment Gateway is lost after the
payment transaction has been sent
Produced by SecurePay Client API when no response
to payment transaction has been received from
SecurePay Payment Gateway within predefined time
period (default 80 seconds)
Unable to read information from the database.
Payment Gateway encountered an error while loading
configuration information for this transaction
Transaction could not be processed by the Payment
Gateway due to unknown reasons
SecurePay system doesn’t support the requested
transaction type
SecurePay Payment Gateway couldn’t correctly
interpret the transaction message sent
The client could not understand the response
message.
The system maintenance is in progress and the
system is currently unable to process transactions
The merchant has attempted to process a request with
an invalid password.
This functionality has not yet been implemented
The maximum number of allowed events in a single
message has been exceeded.
The process() method on either Echo, Payment or
Query object has not been called
A transaction with the same details has already been
processed.
SecurePay has disabled the merchant and the
requests from this merchant will not be processed.
Page 5 of 8
SecurePay Direct Entry Response Codes
Response
Code
Response Text
Description
APPROVED
00
Transaction Received
200
201
203
204
Invalid Transaction Amount
No DDA Found
Invalid Reference Number
Invalid Merchant ID
205
213
DDA Expired
General Database Error
217
Message Format Error
225
228
243
Transaction Rejected (Unknown
response)
No DDA With Merchant
Amount Lower Than Minimum
244
Amount Higher Than Maximum
246
Duplicate Payment Found
249
Invalid Payor ID
The transaction was received and will be sent off for
processing at the end of the day.
DECLINED
© SecurePay Pty Ltd
If Merchant ID does not follow the format XXXDDDD,
where X is a letter and D is a digit; or if Merchant ID is
not found in the merchant database.
Direct Debit Server was unable to read or write
information to the database while processing the
transaction
Direct Debit Server received a message with invalid
data.
DDA is inactive.
The payment amount was lower than the minimum
accepted.
The payment amount was higher than the maximum
accepted.
The system located a transaction that seems to be a
duplicate of the current attempt. Transaction is not
passed to bank, and customer should contact their
merchant before making payment. (Used in SecureBill
/ IVR only at present.)
Page 6 of 8
SecurePay Periodic Server Response Codes
Response
Code
Response Text
Description
DECLINED
300
Invalid Amount
301
Invalid Credit Card Number
302
Invalid Expiry Date
303
Invalid Periodic Client ID
304
Invalid Merchant ID
305
Invalid BSB Number
306
Invalid Account Number
307
Invalid Account Name
308
No Matching DDA Found
309
Invalid CVV Number
313
General Database Error
314
Unable to Read Properties File
316
Invalid Action Type Requested
318
Unable to Decrypt Account Details
327
Invalid Periodic Payment Type
328
Invalid Periodic Frequency
329
Invalid Number of Payments
332
Invalid Date Format
333
Triggered Payment Not Found
346
Duplicate Client ID Found
© SecurePay Pty Ltd
If payment transaction amount is non-integer, negative,
or zero. (May be zero (0) for “trigger” actions, when
default amount will be used.)
Credit card number is not supplied, wrong length, or
does not pass Luhn algorithm.
Expiry date does not follow format MM/YY, where MM is
the 2-digit month (01-12) and YY is the 2-digit year.
Client ID not provided, longer than 20 characters, or
contains spaces.
Merchant ID does not follow format XXXDDDD for credit
card payments, or XXXDD for direct entry, where X is a
letter and D is a digit; or merchant ID not in database.
BSB does not follow format DDDDDD, or DDD-DDD,
where D is a digit.
Account number not provided, greater than 9 digits, or
contains non-digit characters.
Account Name is mandatory for DE Credit payments,
and optional for DE Debits. Must be less than 32
characters if supplied.
A periodic DE Debit payment must match an existing
DDA stored in our database for the merchant. DDAs
can be added via the Merchant Login. DDA expiry date
must be after the final periodic payment date.
CVV is optional for credit card payments, but if provided,
must be either 3 or 4 digits.
A database error occurred while processing your
request. Retry, or contact SecurePay.
A properties file was not found or could not be read.
Retry, or contact SecurePay.
The server does not support the action type requested.
Check user manual for allowed values.
The card number or account details could not be
decrypted. Retry, or contact SecurePay.
The Periodic type requested is not supported. Check
user manual for allowed values.
The Periodic frequency requested is not valid. Check
user manual for allowed values.
Number of payments must be 1 or more for day-based
and calendar-based payments.
A supplied date does not follow format YYYYMMDD,
where values conform to standard calendar rules; or the
server could not correctly interpret a date.
Triggered payment Client ID requested does not match
a stored triggered payment for the merchant.
Client ID being added is not unique for the merchant.
Page 7 of 8
Bank Gateway Response Codes
Response
Code
Response
Code
Response Text
Response Text
DECLINED
900
901
902
903
904
905
906
907
908
909
910
913
914
915
916
917
918
919
922
923
924
925
926
Invalid Transaction Amount
Invalid Credit Card Number
Invalid Expiry Date Format
Invalid Transaction Number
Invalid Merchant/Terminal ID
Invalid E-Mail Address
Card Unsupported
Card Expired
Insufficient Funds
Credit Card Details Unknown
Unable to Connect to Bank
Unable to Update Database
Power Failure
Fatal Unknown Gateway Error
Invalid Transaction Type Requested
Invalid Message Format
Encryption Error
Decryption Error
Bank is Overloaded
Bank Timed Out
Transport Error
Unknown Bank Response Code
Gateway Busy
© SecurePay Pty Ltd
928
932
933
936
937
938
939
941
946
951
958
960
961
962
970
971
972
973
974
975
976
977
978
Invalid Customer ID
Invalid Transaction Date
Transaction Not Found
Transaction Already Reversed
Transaction Cannot Be Authorised
Pre-auth Already Completed
Invalid Auth Code
Invalid Transaction ID Supplied
Reference Number Currently In Use
Transaction Not Permitted To Terminal
Fraud Check Error
Contact Card Issuer
Transaction Pending
Transaction Voided
File Access Error
Invalid Flag Set
Pin-pad/Gateway Offline
Invoice Unavailable
Gateway Configuration Error
No Action Taken
Unknown Currency Code
Too Many Records for Processing
Merchant Blocked
Page 8 of 8