Return codes

General Validation of Success

Regardless of the processor used, your system’s logic should be strict to avoid fraud or misconduct.

Alignet approval

Code 00

External Processors

Code 000

Any code other than those mentioned above should be treated automatically by its business logic as a transaction Not Adopted.

Code Dictionary (other processors)

Select your processor or card mark to see the details of back messages.

Visa / Mastercard
Amex, Dyers,

Main brands

Direct response management for Visa and Mastercard cards.

Visa: Detail of responses

Code	Return / Answer message	State	Action
00	Successful payment	`[EXITOSO]`	Proceed with product / service delivery.
01	Contact the Bank	`[DENEGADO]`	Request the client to try with another means of payment.
02	Contact the Bank	`[DENEGADO]`	Request the client to try with another means of payment.
03	Unvalid merchant code.	`[DENEGADO]`	Request the client to try with another means of payment.
04	Keep Card	`[DENEGADO]`	Request the client to try with another means of payment.
05	Unaccepted payment by the issuer	`[DENEGADO]`	Request the client to try with another means of payment.
06	General error in processing	`[DENEGADO]`	Request the client to try with another means of payment.
07	To retain a card (postoreial fraud).	`[DENEGADO]`	Request the client to try with another means of payment.
10	Successful partial approval. (Unauthorized)	`[DENEGADO]`	Request the client to try with another means of payment.
11	Approved (VIP) (Unauthorized)	`[DENEGADO]`	Request the client to try with another means of payment.
12	Invalid transaction.	`[DENEGADO]`	Request the client to try with another means of payment.
13	Invalid amount or conversion error.	`[DENEGADO]`	Request the client to try with another means of payment.
14	Invalid account number.	`[DENEGADO]`	Request the client to try with another means of payment.
15	Incorrect Issuer Code	`[DENEGADO]`	Request the client to try with another means of payment.
19	Retry transaction	`[REINTENTAR]`	Request the client to try with another means of payment.
21	Retry transaction	`[REINTENTAR]`	Request the client to try with another means of payment.
25	Retry transaction	`[REINTENTAR]`	Request the client to try with another means of payment.
28	Retry transaction	`[REINTENTAR]`	Request the client to try with another means of payment.
39	Unavailable credit account.	`[DENEGADO]`	Request the client to try with another means of payment.
41	Card reported as lost	`[DENEGADO]`	Request the client to try with another means of payment.
43	Reported card	`[DENEGADO]`	Request the client to try with another means of payment.
46	Closed tied account number	`[DENEGADO]`	Request the client to try with another means of payment.
51	Insufficient funds	`[DENEGADO]`	Request the client to try with another means of payment.
52	No current account	`[DENEGADO]`	Request the client to try with another means of payment.
53	No savings account	`[DENEGADO]`	Request the client to try with another means of payment.
54	Expiry card	`[DENEGADO]`	Request the client to try with another means of payment.
55	PIN wrong	`[DENEGADO]`	Request the client to try with another means of payment.
57	Unallowed transaction contact issuer	`[DENEGADO]`	Request the client to try with another means of payment.
58	Unallowed payment at terminal	`[DENEGADO]`	Request the client to try with another means of payment.
59	Suspicion of fraud	`[DENEGADO]`	Request the client to try with another means of payment.
61	Exceeding the amount limit	`[DENEGADO]`	Request the client to try with another means of payment.
62	Restricted card	`[DENEGADO]`	Request the client to try with another means of payment.
63	Security violation	`[DENEGADO]`	Request the client to try with another means of payment.
64	Unmet AML	`[DENEGADO]`	Request the client to try with another means of payment.
65	Exceeding retirement frequency	`[DENEGADO]`	Request the client to try with another means of payment.
70	PIN required	`[DENEGADO]`	Request the client to try with another means of payment.
74	Failed transaction	`[DENEGADO]`	Request the client to try with another means of payment.
75	Attempts to PIN exceeded	`[DENEGADO]`	Request the client to try with another means of payment.
76	Unrequested reversion	`[DENEGADO]`	Request the client to try with another means of payment.
78	First use block	`[DENEGADO]`	Request the client to try with another means of payment.
79	Retry transaction	`[DENEGADO]`	Request the client to try with another means of payment.
80	Operation without financial impact	`[DENEGADO]`	Request the client to try with another means of payment.
81	Cryptographic error found at PIN	`[DENEGADO]`	Request the client to try with another means of payment.
82	Invalid authenticity result	`[DENEGADO]`	Request the client to try with another means of payment.
85	Rejected for verifications	`[DENEGADO]`	Request the client to try with another means of payment.
86	The PIN could have been verified	`[DENEGADO]`	Request the client to try with another means of payment.
91	Unavailable	`[DENEGADO]`	Request the client to try with another means of payment.
92	Id of an invalid institution	`[DENEGADO]`	Request the client to try with another means of payment.
93	Uncompleted transaction	`[DENEGADO]`	Request the client to try with another means of payment.
94	Double transmission.	`[DENEGADO]`	Request the client to try with another means of payment.
96	System error	`[DENEGADO]`	Request the client to try with another means of payment.
1 A	Authentication required	`[DENEGADO]`	Request the client to try with another means of payment.
6 P	Failed verification	`[DENEGADO]`	Request the client to try with another means of payment.
B1	Additional Unpermitted	`[DENEGADO]`	Request the client to try with another means of payment.
N0	Retry transaction	`[DENEGADO]`	Request the client to try with another means of payment.
N3	Unavailable cash service	`[DENEGADO]`	Request the client to try with another means of payment.
N4	Exceeding cash limit	`[DENEGADO]`	Request the client to try with another means of payment.
N7	Rejected by key CVV2	`[DENEGADO]`	Request the client to try with another means of payment.
N8	Amount exceeds preauthorized approval.	`[DENEGADO]`	Request the client to try with another means of payment.
P5	Unlocking of PIN refused by the issuer	`[DENEGADO]`	Request the client to try with another means of payment.
p6	Reg PIN refused (PIN Unsure)	`[DENEGADO]`	Request the client to try with another means of payment.
Q1	I miss the card authentication.	`[DENEGADO]`	Request the client to try with another means of payment.
R0	Stopping payment order	`[DENEGADO]`	Request the client to try with another means of payment.
R1	Stopping payment order	`[DENEGADO]`	Request the client to try with another means of payment.
R2	Transaction does not qualify for PIN Visa	`[DENEGADO]`	Request the client to try with another means of payment.
R3	Stopping payment order	`[DENEGADO]`	Request the client to try with another means of payment.
Z1	Removal of the autoisation process	`[DENEGADO]`	Request the client to try with another means of payment.
Z3	Can’t connect to line	`[DENEGADO]`	Request the client to try with another means of payment.

Mastercard: Detail of responses

Code	Return / Answer message	State	Action
00	Successful payment	`[EXITOSO]`	Proceed with product / service delivery.
01	Rejected by the issuer	`[DENEGADO]`	Request the client to try with another means of payment.
03	Invalid Merchant Data	`[DENEGADO]`	Validate merchant configuration and retry operation.
04	Rejected by the issuer	`[DENEGADO]`	Request the client to try with another means of payment.
05	Rejected by the issuer	`[DENEGADO]`	Request the client to try with another means of payment.
08	Rejected by the issuer	`[DENEGADO]`	Request the client to try with another means of payment.
10	Partial approval Denied	`[DENEGADO]`	Requesting the client to complete payment with another means.
12	Unvalid transaction	`[DENEGADO]`	Validate transaction data and retry.
13	Invalid amount	`[DENEGADO]`	Validate the amount and try again.
14	Unvalid account number	`[DENEGADO]`	Validate card data and retry.
15	Unavailable	`[ERROR]`	Retrying in a few minutes or using another means of payment.
30	Error during the issuing process	`[ERROR]`	Retrying the operation.
41	Rejected by the issuer	`[DENEGADO]`	Request the client to try with another means of payment.
43	Rejected by the issuer	`[DENEGADO]`	Request the client to try with another means of payment.
51	Insufficient funds	`[DENEGADO]`	To request the client to use another means of payment or available funds.
54	Expiry card	`[DENEGADO]`	Requesting the client to use another valid card.
55	PIN wrong	`[DENEGADO]`	Requesting the client to correctly enter his PIN.
57	The transaction isn’t allowed	`[DENEGADO]`	Requesting the client to contact his or her bank or to use another means.
58	The transaction isn’t allowed	`[DENEGADO]`	Requesting the client to contact his or her bank or to use another means.
61	Exceeding the amount limit	`[DENEGADO]`	Requesting the client to try with a minor or other means.
62	Rejected by the issuer	`[DENEGADO]`	Request the client to try with another means of payment.
63	Security violation	`[DENEGADO]`	Requesting the client to contact his bank.
65	Error during the issuing process	`[ERROR]`	Retrying the operation.
70	Rejected by the issuer	`[DENEGADO]`	Request the client to try with another means of payment.
71	Key error PIN	`[DENEGADO]`	To request the client to validate his PIN.
75	It exceeded the number of attempts	`[DENEGADO]`	Requesting the client to contact his bank.
76	Error during the issuing process	`[ERROR]`	Retrying the operation.
77	Error during the issuing process	`[ERROR]`	Retrying the operation.
78	Error during the issuing process	`[ERROR]`	Retrying the operation.
79	Rejected by brand	`[DENEGADO]`	Request the client to try with another means of payment.
81	Rejected by the issuer	`[DENEGADO]`	Request the client to try with another means of payment.
82	Rejected by brand	`[DENEGADO]`	Request the client to try with another means of payment.
83	Rejected by the issuer	`[DENEGADO]`	Request the client to try with another means of payment.
84	Rejected by the issuer	`[DENEGADO]`	Request the client to try with another means of payment.
85	Rejected by the issuer	`[DENEGADO]`	Request the client to try with another means of payment.
86	Error during the issuing process	`[ERROR]`	Retrying the operation.
87	Rejected by the issuer	`[DENEGADO]`	Request the client to try with another means of payment.
88	Data entry error	`[DENEGADO]`	Validate data entered and retry.
89	Rejected by the issuer	`[DENEGADO]`	Request the client to try with another means of payment.
91	Error during the issuing process	`[ERROR]`	Retrying the operation.
92	Error during the issuing process	`[ERROR]`	Retrying the operation.
94	Double order number	`[ERROR]`	Validate duplication before forwarding transaction.
96	Error during the issuing process	`[ERROR]`	Retrying the operation.

Processor

Niubiz

Code	Return / Answer message	State	Action
000	Approved transaction	`[EXITOSO]`	Proceed with product / service delivery.
101	Assigned Card	`[DENEGADO]`	Requesting the client to use another valid card.
102	Suspicion of fraud	`[DENEGADO]`	Requesting the client to contact his bank.
104	Operation not permitted	`[DENEGADO]`	Request another means of payment.
105	Requires reading of chip	`[DENEGADO]`	Request to insert card or use chip.
106	Excess of attempts	`[DENEGADO]`	Try later or contact bench.
107	Contact with issuer	`[DENEGADO]`	Requesting the client to contact his bank.
110	Unallowed operation for card	`[DENEGADO]`	Request another means of payment.
112	Required PIN	`[DENEGADO]`	Request to enter PIN That’s right.
114	Restricted card	`[DENEGADO]`	Contact Bank.
116	Insufficient funds	`[DENEGADO]`	Request another means of payment.
117	PIN wrong	`[DENEGADO]`	Request Reentry PIN.
118	Invalid card	`[DENEGADO]`	Validate or use another card.
121	Consumption limit	`[DENEGADO]`	Reduce quantity or use another means.
129	CVV2 wrong	`[DENEGADO]`	Validar CVV.
150	Unallowed share	`[DENEGADO]`	Change payment conditions.
151	Closed card	`[DENEGADO]`	Using another card.
190	Generic denial	`[DENEGADO]`	Request another means of payment.
192	Bank doesn’t answer	`[ERROR]`	Retrying operation.
263	Error sending parameters	`[ERROR]`	Validate integration.
264	Unavailable	`[ERROR]`	Retry later.
265	OTP wrong	`[DENEGADO]`	Request OTP That’s right.
280	CVV Wrong	`[DENEGADO]`	Validar CVV.
290	Black list	`[DENEGADO]`	Request another means of payment.
300	Double order	`[ERROR]`	Validate duplication.
316	Card does not exist by issue	`[DENEGADO]`	Validate or use another card.
317	Issuer blocked card	`[DENEGADO]`	Contact Bank.
319	Parameter error	`[ERROR]`	Validar request.
320	Parameter error	`[ERROR]`	Validar request.
401	Unactivated brand in merchant	`[DENEGADO]`	Validate merchant configuration.
402	Invalid IP	`[DENEGADO]`	Validate source of transaction.
403	Requires authentication	`[PENDIENTE]`	Complete authentication (3DS).
404	Amount outweighs maximum	`[DENEGADO]`	Reduce amount.
405	Exceeding card transactions	`[DENEGADO]`	Try later.
406	Exces merchant transactions	`[DENEGADO]`	Try later.
407	Amount less than minimum	`[DENEGADO]`	Increase amount.
408	CVC That doesn’t match	`[DENEGADO]`	Validar CVC.
409	CVV Unprocessed (P)	`[DENEGADO]`	Validar CVV.
412	CVV Unrecognised	`[DENEGADO]`	Validar CVV.
413	Rejection for additional validation	`[DENEGADO]`	Review authentication (3DS).
420	Card isn’t VISA	`[DENEGADO]`	Use valid card.
421	BIN risked	`[DENEGADO]`	Request another means of payment.
422	Unallowed configuration	`[DENEGADO]`	Validate merchant configuration.
423	User cancelled	`[CANCELADO]`	To allow retrying.
424	BIN blacklist	`[DENEGADO]`	Request another means of payment.
425	Wrong country	`[DENEGADO]`	Validate issuing country.
426	Unauthorized payment link	`[DENEGADO]`	Generate new link.
427	Generic denial	`[DENEGADO]`	Request another means of payment.
428	Requires CVC	`[DENEGADO]`	Enter CVC.
665	Functional error	`[ERROR]`	Retrying.
666	Communication problem	`[ERROR]`	Retrying.
667	Rejected transaction	`[CANCELADO]`	To allow retrying.
668	Anti-fraud error	`[ERROR]`	Check anti-fraud.
670	Anti-fraud	`[DENEGADO]`	Check anti-fraud rules.
672	No response Cybersource	`[ERROR]`	Retrying.
673	Without an authorized response	`[ERROR]`	Retrying.
674	Invalid meeting	`[ERROR]`	Retrying flow.
680	Excess of attempts	`[DENEGADO]`	Try later.
682	Out of time	`[DENEGADO]`	Retrying operation.
683	Contact issuer	`[DENEGADO]`	Contact Bank.
684	Anti-fraud error	`[DENEGADO]`	Check anti-fraud.
687	Flaw format	`[ERROR]`	Validate integration.
690	Unaccepted wallet card	`[DENEGADO]`	Using another means.
691	Token error	`[ERROR]`	Regenerate token.
692	Token defeated	`[DENEGADO]`	Generate new token.
693	Token invalid	`[DENEGADO]`	Validar token.
754	Failed configuration	`[ERROR]`	Validate configuration.
760	Configure error	`[ERROR]`	Validate configuration.
777	Failed communication	`[ERROR]`	Retrying.
800	Echo accepted	`[EXITOSO]`	A proper technical operation.
900	Communication accepted	`[EXITOSO]`	A proper technical operation.
904	Wrong format	`[ERROR]`	Validar request.
909	System error	`[ERROR]`	Retrying.
912	Unavailable	`[ERROR]`	Retrying.
913	Double transmission	`[ERROR]`	Validate duplication.
940	Retirement	`[CANCELADO]`	No reprocessing.
941	Retirement	`[CANCELADO]`	No reprocessing.
942	Original refused	`[DENEGADO]`	No reprocessing.
945	Retirement reference	`[ERROR]`	Validate duplication.
949	Non-operative terminal	`[ERROR]`	Validate terminal.
965	Law enforcement	`[DENEGADO]`	To review emitter rules.

Icipay

Code	Return / Answer message	State	Action
00	Approved transaction	`[EXITOSO]`	Proceed with product / service delivery.
02	Check Card Issuer	`[DENEGADO]`	Requesting the client to contact his bank.
03	Invalid merchantr	`[DENEGADO]`	Validate merchant configuration.
04	No honors	`[DENEGADO]`	Request another means of payment.
05	Can’t be processed	`[DENEGADO]`	Request another means of payment.
06	Unvalid transaction for this terminal	`[DENEGADO]`	Validate terminal configuration.
08	Withdrawal time	`[ERROR]`	Retrying operation.
09	Without original	`[ERROR]`	Validate transaction reference.
10	Can’t be reversed	`[ERROR]`	Validate operation status.
11	Approved (VIP)	`[EXITOSO]`	Proceed with delivery.
12	Unvalid transaction	`[DENEGADO]`	Validate data and try again.
13	Invalid	`[DENEGADO]`	Validate amount.
14	Unvalid card number	`[DENEGADO]`	Validate card data.
17	Invalid date of capture	`[ERROR]`	Validate date of terminal.
19	System error	`[ERROR]`	Retrying operation.
20	Not from the account	`[DENEGADO]`	Validate account type.
21	No to account	`[DENEGADO]`	Validate account destination.
22	No current account	`[DENEGADO]`	Validar counts.
23	No saving account	`[DENEGADO]`	Validar counts.
24	No credit account	`[DENEGADO]`	Validar counts.
25	Unfound registration	`[ERROR]`	Validate transaction information.
30	Formatting error	`[ERROR]`	Validate integration.
39	Unpermitted transaction	`[DENEGADO]`	Request another means of payment.
41	Hot card	`[DENEGADO]`	Keep a card if applicable.
42	Special collection	`[DENEGADO]`	Keep a card if applicable.
43	Stolen card	`[DENEGADO]`	Keep a card if applicable.
44	Collection card	`[DENEGADO]`	Keep a card if applicable.
45	Retirement of transaction	`[ERROR]`	Validate status before retrying.
46	Rejected chip	`[DENEGADO]`	Retry with chip / contact less.
47	Chip not available online	`[ERROR]`	Retrying.
48	Chip error ARQC	`[ERROR]`	Validar EMV.
49	Tag EMV Unfound	`[ERROR]`	Validar EMV.
51	Insufficient funds	`[DENEGADO]`	Request another means of payment.
52	No current account	`[DENEGADO]`	Validar counts.
53	No saving account	`[DENEGADO]`	Validar counts.
54	Failed card	`[DENEGADO]`	Request valid card.
55	PIN wrong	`[DENEGADO]`	Request Reentry PIN.
56	Unregistered card	`[DENEGADO]`	Validate card.
57	Unallowed transaction to the holder	`[DENEGADO]`	Contact Bank.
58	Unallowed transaction to terminal	`[DENEGADO]`	Validate configuration.
59	Suspicion of fraud	`[DENEGADO]`	Contact Bank.
61	That’s beyond the limit.	`[DENEGADO]`	Reduce quantity or use another means.
62	Restricted card	`[DENEGADO]`	Contact Bank.
63	Key error MAC	`[ERROR]`	Validate Security / Integration.
65	Frequency limit exceeded	`[DENEGADO]`	Try later.
66	Exceeding acquirer boundary	`[DENEGADO]`	Try later.
67	Keep Card	`[DENEGADO]`	Keep a card if applicable.
68	Delayed response	`[ERROR]`	Retrying.
75	Exces attempts to PIN	`[DENEGADO]`	Contact Bank.
76	Invalid account	`[DENEGADO]`	Validar counts.
77	Without network agreement	`[ERROR]`	Validate integration / network.
78	Function not available	`[ERROR]`	Validate operation.
79	Key validation error	`[ERROR]`	Validate security.
80	Length error PIN	`[ERROR]`	Validar PIN.
81	Block PIN Invalid	`[ERROR]`	Validar PIN.
82	CVV Unvalid	`[DENEGADO]`	Validar CVV.
83	Meter synchronization error	`[ERROR]`	Validar EMV.
84	Invalid living cycle	`[ERROR]`	Validate transaction status.
85	No keys available	`[ERROR]`	Validate configuration.
86	Can’t be verified PIN	`[ERROR]`	Retrying.
87	Key error PIN	`[ERROR]`	Validar PIN.
88	sync error MAC	`[ERROR]`	Validate security.
89	Security violation	`[DENEGADO]`	Check security.
91	Switch not available	`[ERROR]`	Retrying.
92	Invalid emitter	`[DENEGADO]`	Validate emitter.
93	Unvalid acquirer	`[ERROR]`	Validate Acquire configuration.
94	Unvalid originator	`[ERROR]`	Validate origin.
95	System error	`[ERROR]`	Retrying.
96	System error	`[ERROR]`	Retrying.
97	No transfer of funds	`[DENEGADO]`	Validate operation.
98	Double reversion	`[ERROR]`	Validate duplication.
99	Double transaction	`[ERROR]`	Validate before forwarding.
102	Issuer Timeout	`[ERROR]`	Retry later.

Important Notes about Marks

If your merchant uses Niubiz or IcipayIt’s vital that I also implement logic for brands Visa and Mastercardand Dyers Club and American Expressas these processors act as a bridge for these brands.

Getting started

Integration

Payments

General Validation of Success

Alignet approval

External Processors

Code Dictionary (other processors)

Main brands

Processor

Important Notes about Marks

​General Validation of Success

Alignet approval

External Processors

​Code Dictionary (other processors)

​Main brands

​Processor

​Important Notes about Marks

General Validation of Success

Code Dictionary (other processors)

Main brands

Processor

Important Notes about Marks