Echo Response Codes
NOTES:
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This response code list is for reference purposes only.
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This info is considered accurate as of time of publication.
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The response code list is subject to change, without notice
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Please use ‘FinalStatus’ to determine the transaction’s status. Use ‘resp-code’ and ‘MErrMsg’ to determine reason, if declined.
| respcode | MErrMsg |
| 00 | Approved |
| 01 | Refer to issuer |
| 02 | Refer to issuer |
| 28 | File is temporarily unavailable |
| 91 | Issuer or switch is unavailable |
| 04 | Pick up card |
| 07 | Pick up card |
| 41 | Pick up card - lost |
| 43 | Pick up card - stolen |
| EA | Verification error |
| 79 | Already reversed at switch |
| 13 | Invalid amount |
| 83 | Can not verify PIN |
| 86 | Can not verify PIN |
| 14 | Invalid card number |
| 82 | Cashback limit exceeded |
| N3 | Cashback service not available |
| EB | Verification error |
| EC | Verification error |
| 80 | Invalid date |
| 05 | Do not honor |
| 51 | Insufficient funds |
| N4 | Exceeds issuer withdrawal limit |
| 61 | Exceeds withdrawal limit |
| 62 | Invalid service code, restricted |
| 65 | Activity limit exceeded |
| 93 | Violation, cannot complete |
| 81 | Cryptographic error |
| 06 | General error |
| 54 | Expired card |
| 92 | Destination not found |
| 12 | Invalid transaction |
| 78 | No account |
| 21 | unable to back out transaction |
| 76 | Unable to locate, no match |
| 77 | Inconsistent date, rev. or repeat |
| 52 | No checking account |
| 39 | No credit account |
| 53 | No savings account |
| 15 | No such issuer |
| 75 | PIN tries exceeded |
| 19 | Re-enter transaction |
| 63 | Security violation |
| 57 | Trans. not permitted-Card |
| 58 | Trans. not permitted-Terminal |
| 96 | System malfunction |
| 03 | Invalid merchant ID |
| 55 | Incorrect PIN |
| N7 | CVV2 Value supplied is invalid |
| xx | Undefined response |