Full list of the Provider (GICC) Codes for credit cards:
Code
Description
00
Approved or completed successfully
01
Refer to card issuer
02
Call Voice-authorization number; Initialization Data
03
Invalid merchant number
04
Retain card
05
Authorization declined
06
Sequence- generation- number error - diagnostics necessary; the POS Terminal must carry out reconciliation with a 0800 message
08
Honor with ID
09
The value 09 has special significance as it indicates a "wait" message and the POS- System should expect to wait at most 30 seconds more. The host may send several of these "wait messages" until the true reply is ready. A wait message contains only the following fields: Message Type, Bit Map, PAN, System Trace Audit number, POS Terminal ID Code, Response Code, and Additional Response Data.
10
Partial approval
12
Invalid transaction
13
Invalid amount
14
Invalid card
15
Invalid issuer
21
No action taken
22
ACS technical issue
30
Format Error
33
Card expired
34
Suspicion of Manipulation
40
Requested function not supported
41
Lost card
43
Stolen Card, pick up
51
Insufficient funds/over credit limit
54
Expired card
55
Incorrect personal identification number
56
Card not in authorizer's database
57
referencing transaction (e.g. reversal, Booking pre-authorization ...) was not carried out with the card which was used for the original transaction.
58
Terminal ID unknown
61
Exceeds withdrawal amount limit
62
Restricted Card
63
Security violation
64
The transaction amount of the referencing transaction is higher than the transaction amount of the original transaction
Stop payment order (for forwarding the Visa response code R0 of the Visa BASE I interface): the transaction was declined or returned because the cardholder requested that payment of a specific recurring or installment payment transaction be stopped.
79
Revocation of authorization order (for forwarding the Visa response codes "R1" or “R3” of the Visa BASE I interface): the transaction was declined or returned because the cardholder requested that payment of all recurring or installment payment transactions for a specific merchant account be stopped.
80
Amount no longer available
81
Message-flow error85: Cash back declined – pls. retry purchase only
82
Policy (Mastercard use only)
83
Fraud/Security (Mastercard use only)
84
Invalid Authorization Life Cycle
85
Not declined. Valid for all zero amount transactions.
86
PIN Validation not possible
87
Purchase Amount Only, No Cash Back Allowed
88
Cryptographic failure
89
Unacceptable PIN—Transaction. Declined—Retry
91
Authorization System or issuer system inoperative
92
The card type is not processed by the authorization center
94
Duplicate transmission detected
96
Processing temporarily not possible
97
Security breach - MAC check indicates error condition
98
Date and time not plausible - The POS Terminal must set itself to the date and time of the response message