Overview
It is highly unlikely that you will receive many of these responses; as a general rule you should use the provided summary response to determine whether a transaction is approved or declined.
Most Responses should give a brief enough explanation of what problem has occurred however we have listed some more information about some of the less straightforward response codes below and what they mean.
If an unknown response code is returned please contact Pay Advantage with the appropriate transaction details. Providing a screenshot of the payment that is encountering an error will help us to solve your problem much quicker.
Refer to card issuer
This indicates an error or problem from the card issuer. The problem may be related to the card holder's account. This response code is often a result of one of the following:
- Suspected Fraud
- Insufficient Funds
- Stolen Card
- Expired Card
- Invalid CVN
- Any other rule imposed by the card issuer that causes a decline (e.g. daily limit exceeded, minimum monthly payment not made, duplicate transaction suspected, etc).
Invalid merchant
This code can be returned from an issuing bank if they don't like the acquiring bank. An example of this would be someone trying to pay their speeding fine with an overseas credit card. The overseas issuing bank would return a decline response, indicating that they wouldn't allow the transaction over the internet for an Australian bank.
This can also be returned for AMEX transactions when there is a problem with the setup at American Express.
Pickup Card
This can mean the card has been reported as lost or stolen. The card holder should contact their issuing bank.
Do not honour
This status is often used as a default catch all decline and generally relates to either:
- Insufficient Funds
- Incorrect CVN
- Suspected Fraud
- Stolen Card
- Expired Card
- Any other rule imposed by the card issuer that causes a decline (e.g. daily limit exceeded, minimum monthly payment not made, duplicate transaction suspected, etc).
In many instances a card issuer will use this code instead of insufficient funds to avoid embarrassment to the card holder.
Honor with identification
This indicates that the transaction has been authorised.
What authorisation DOES mean:-
- The card number is valid
- The card has not been reported lost or stolen (although it may in fact be lost, stolen or compromised [card details improperly obtained or copied] and the card owner is unaware)
- There are sufficient funds available to cover the transaction.
What authorisation DOES NOT mean:-
- An authorisation does NOT confirm that the person providing the card number is the legitimate card holder. The risk remains that the person providing the credit card number has either stolen or improperly obtained the card.
Invalid transaction
This code is often returned from the issuer when they do not accept the transaction. This can possibly be when a transaction for the same amount and merchant is attempted multiple times quickly for the same card. The card holder should contact their issuing bank.
Invalid card number (no such number)
This code indicates that the card number does not exist. Also returned code if an AMEX card is used, but the merchant is not setup for AMEX cards.
Suspected Malfunction
This code normally indicates that the card number was invalid.
No Universal Account
This error is returned from some issuers when the credit account does not exist at the issuing bank. This situation is similar to the 14 response code.
Expired Card
This error is returned when the credit card has expired. Check that the expiry date is correct, and attempt the transaction again. If the transaction still does not work, check with the card holder to see if they have a new card with a new expiry date.
Exceeds withdrawal amount limits
This error is returned when the card holder does not have enough credit to pay the specified amount. Ask the card holder if they have another account to use for the payment.
Issuer or switch is inoperative
This code is used to indicate that the next party in a credit card transaction timed out and the transaction has been reversed. This could happen at any point in the process and may be a problem related to a third-party.
This response may also be returned for pre-authorisation transactions that are manually reversed.
Financial institution or intermediate network facility cannot be found for routing
The card number is incorrect.
The first 6 digits of the credit card number indicate which bank issued the card. These are used for routing credit card requests through the credit card network to the issuing bank. This error indicates that there is no bank that corresponds to the first 6 digits of the card number.
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