Response Code & Reason

The following response codes and reasons are supported by CLOWD9 and the Networks. Whilst you will not use all of these, you will need to ensure you can accept all Response Codes and Reasons. CLOWD9 and the Network at times will make a decision and communicate this via the Authorization Notification.

Code

Reason (Meaning)

Used by?

000

Approved

CLOWD9
Customer Response

008

Approved Offline (EMV)

CLOWD9

009

Approved Offline (Unable To Go Online)

CLOWD9

010

Partial Approval

CLOWD9
Customer Response

011

Approved for Purchase Amount Only, No Cashback

CLOWD9
Customer Response

040

Reversal Accepted

CLOWD9
Customer Response

080

Accepted

CLOWD9
Customer Response

081

Duplicate

CLOWD9
Customer Response

085

No Reason To Decline

CLOWD9
Customer Response

091

Advice acknowledged

CLOWD9
Customer Response

098

Approved By Network

CLOWD9

099

Approved By CLOWD9

CLOWD9

100

Do Not Honour

CLOWD9
Customer Response

101

Expired Card

CLOWD9

102

Suspected Fraud

CLOWD9
Customer Response

103

Restricted Card

CLOWD9
Customer Response

104

Allowable PIN Tries Exceeded

CLOWD9

105

Virtual card used under invalid circumstances

CLOWD9

106

Force Stand-In

CLOWD9
Customer Response

107

Card Authentication Failure

CLOWD9

108

Fallback Not Allowed

CLOWD9

109

Unable To Go Online; Declined

CLOWD9

110

Invalid Amount

CLOWD9
Customer Response

111

Invalid Card Number

CLOWD9

112

PIN Data Required

CLOWD9

113

Unacceptable Fee

CLOWD9
Customer Response

114

Account Does Not Exist

CLOWD9
Customer Response

115

Card Not Effective

CLOWD9

116

Insufficient Funds

CLOWD9
Customer Response

117

Incorrect PIN

CLOWD9

118

Card Record Not Found

CLOWD9

119

Transaction Forbidden to Cardholder

CLOWD9
Customer Response

120

Exceeds SCA Limit

CLOWD9

121

Exceeds Withdrawal Amount Limit

CLOWD9
Customer Response

122

Security Violation

CLOWD9
Customer Response

123

Exceeds Withdrawal Frequency Limit

CLOWD9
Customer Response

124

Violation Of Law

CLOWD9
Customer Response

125

Anticipated Amount Verification

CLOWD9
Customer Response

126

Invalid PIN Block

CLOWD9

127

PIN Length Error

CLOWD9

130

Decline Given By Issuer

CLOWD9

131

Decline Given By Switch

CLOWD9

132

Decline Given By Switch (Stand-In)

CLOWD9

133

Decline Given By Network

CLOWD9

134

Decline Given By Network (Stand-In)

CLOWD9

150

Original Amount Incorrect

153

No Credit Account

154

No Loan Account

155

No Investment Account

156

No Checking Account

157

No Saving Account

160

No Customer Record

169

Refer To Issuer By Switch, Not On Positive File

CLOWD9
Customer Response

170

Contact Card Issuer

CLOWD9
Customer Response

171

Cardmember To Contact Issuer

CLOWD9
Customer Response

172

Refer To Issuer Given By Issuer

CLOWD9
Customer Response

173

Refer to Issuer By Processor, Exceed Stand-In Limit

CLOWD9

174

The Reversal Request Details Differ To The Original Authorization Request

CLOWD9
Customer Response

175

Invalid/Nonexistent Account Specified (General)

CLOWD9
Customer Response

176

Invalid/Nonexistent ""To Account"" Specified

CLOWD9
Customer Response

177

Invalid/Nonexistent ""From Account"" Specified

CLOWD9
Customer Response

180

At PIN Retry Limit

CLOWD9

181

Invalid Expiry Date

CLOWD9

182

Invalid Currency Code

CLOWD9

183

Invalid Card Data

CLOWD9

184

Invalid CVV

CLOWD9

185

Invalid CVC/CVV2

CLOWD9

187

Revocation of authorization orders - single merchant

CLOWD9

188

Revocation of authorization orders - all merchants

CLOWD9

189

Card Validity Period Exceeded

CLOWD9

190

New Card Not Properly Unblocked

CLOWD9

191

Unable To Verify PIN

CLOWD9

192

Invalid Service Code

CLOWD9

193

Invalid ARQC

CLOWD9

194

Local Use Only

CLOWD9

195

No Action Taken (Unable To Backout Prior Transaction)

CLOWD9

196

Invalid Authorization Life Cycle

CLOWD9

199

Account Restricted

CLOWD9
Customer Response

200

Pick up Card

CLOWD9
Customer Response

201

Expired Card Pickup

CLOWD9
Customer Response

202

Suspected Fraud Pickup

CLOWD9
Customer Response

203

Card Acceptor Contact Acquirer Pickup

CLOWD9
Customer Response

204

Restricted Card Pickup

CLOWD9
Customer Response

205

Security Violation Pickup

CLOWD9
Customer Response

206

Allowable PIN Tries Exceeded Pickup

CLOWD9

207

Special Conditions Pickup

CLOWD9
Customer Response

208

Lost Card Pickup

CLOWD9
Customer Response

209

Stolen Card Pickup

CLOWD9
Customer Response

210

Suspected Counterfeit Card Pickup

CLOWD9
Customer Response

211

Lost Card Pickup, Temporary Status

CLOWD9
Customer Response

212

Stolen Card Pickup, Temporary Status

CLOWD9
Customer Response

480

Invalid Function Code

CLOWD9

481

Invalid Reversal Account Number

CLOWD9

482

Account Does Not Mod 10

CLOWD9

483

The Reversal Request Amount is Invalid or Higher Than The Original Authorization Amount

CLOWD9
Customer Response

680

Unacceptable PIN

CLOWD9

681

PIN Change Failed

CLOWD9
Customer Response

682

PIN Unlock Failed

CLOWD9
Customer Response

683

PIN Change/Unblock Request Declined

CLOWD9
Customer Response

901

Invalid Transaction

CLOWD9

902

Re-enter Transaction

CLOWD9

909

System Malfunction

CLOWD9
Customer Response

910

Card Issuer Signed Off

CLOWD9

911

Card Issuer Timed Out

CLOWD9

912

Card Issuer Unavailable

CLOWD9

913

Duplicate Transmission

CLOWD9
Customer Response

914

Unable to Trace Back Orig Transaction

CLOWD9

915

MAC incorrect

CLOWD9

920

Security software/hardware error - try again

CLOWD9

921

Security error: No Action

CLOWD9

930

General Error

CLOWD9
Customer Response

931

Surcharge Amount Not Permitted

CLOWD9
Customer Response

935

Country is blocked

CLOWD9
Customer Response

951

Invalid Biller Information

CLOWD9
Customer Response

952

PIN Translation Failure

CLOWD9

953

Cashback Request Exceeds Issuer Limit

CLOWD9
Customer Response

999

Routing Error

CLOWD9