PAYMENT PROCESSING

Response Codes

Card Validation Response Codes

View a complete list of card security code responses. Response codes are applicable for Visa CVV2, Mastercard CVC2, Discover CVV2, and American Express CID.

Code	Description
I, Empty	Data provided is invalid or null.
M, Y, 0	Data provided matches the issuer's file.
N, 1	Data provided does not match the issuer's file.
P	Data was not processed because it wasn’t accompanied by the expiration date
S, 3	The issuer’s file indicates the card has available data, but the merchant is unable to provide it
U, X, 4	The issuer is not certified or the service is not available.
X, Z	The issuer gave no response.
2	The merchant has not implemented data handling.

Don’t See the Information You are Looking For?

This resource contains the card brands’ official response codes. However, codes can sometimes differ because of the processor, gateway, or software you use. If you receive codes that are different than what’s shown here and you’re struggling to understand their meaning, contact our team. We’ll help you understand your card validation data and the impact on your business.

Authorization Response Codes

View a complete list of the card brands’ official authorization response codes. Understand what the codes mean and the impact they have.

Code	Description
00	The transaction is approved. The account is in good standing and has enough money or available credit to pay for the transaction.
01	Contact the issuer (cardholder’s bank).
02	Contact the issuer (cardholder’s bank).
03	Your request can’t be processed. The system doesn’t recognize you as a registered merchant.
04	Stop the transaction, and if possible, keep the card. Don’t return it to the customer.
05	Do not complete the transaction.
06	An error has occurred.
07	Stop the transaction, and if possible, keep the card. Don’t return it to the customer. Fraud has been detected.
10	The transaction has been partially approved.
11	The transaction is approved. The account is in good standing and has enough money or available credit to pay for the transaction.
12	The transaction is invalid.
13	The transaction amount is invalid or the currency conversion information was entered incorrectly.
14	The account number provided does not exist.
15	The issuer you are attempting to contact does not exist.
19	Re-submit the authorization request.
21	No action was or needs to be taken.
25	The issuer is unable to locate the record in its file.
28	The file is temporarily not available for update or inquiry.
39	The cardholder does not have a credit account.
41	Stop the transaction, and if possible, keep the card. Don’t return it to the customer. The card was reported lost.
43	Stop the transaction, and if possible, keep the card. Don’t return it to the customer. The card was reported stolen.
51	The account has insufficient funds. It doesn’t have enough money or available credit to pay for the transaction.
52	The cardholder does not have a checking account.
53	The cardholder does not have a savings account.
54	The card has expired or the expiration date was not provided.
55	The personal identification number (PIN) was entered incorrectly.
57	The cardholder is not allowed to make this transaction.
59	The issuer suspects fraud.
61	The transaction amount is too high — it exceeds the limit.
62	The card’s use is restricted and invalid in this region or country.
63	A security violation has occurred (the source is not the correct issuer).
64	The transaction does not meet anti-money laundering (AML) requirements.
65	The customer has attempted too many withdrawals within a set time period — the number of attempts exceeds the withdrawal frequency limit.
75	The customer has entered the PIN incorrectly too many times — the number of attempts exceeds the limit.
76	The reversal request was unsolicited.
79	The transaction has already been reversed by Switch.
80	There is no financial impact.
81	A cryptographic error was found in the PIN.
82	The results for CAM, dCVV, iCVV or CVV are negative.
85	There is no reason to decline a request for address verification, CVV2 verification, or a credit voucher or merchandise return.
86	The issuer cannot verify the PIN. For example, the card’s PIN verification value (PVV) is not detected.
89	The customer is ineligible to receive account information.
91	The technology is not working as it should — the service is not currently available or has timed out.
92	The issuer can’t be identified, so the request can’t be sent. The receiving institution ID that was provided is invalid.
93	The transaction attempt violates the law, so it can’t be completed.
94	The transaction attempt is a duplicate submission. It contains data that matches a previously submitted transaction.
96	Either the system malfunctioned or a data entry error has occurred.
B2	The surcharge amount is not supported by the debit network issuer.
N0	To obtain authorization, you must consult the card brand for stand-in processing (STIP).
N3	Cash service is not available.
N4	The amount of cash request exceeds the limit set by the issuer.
N5	The transaction is ineligible for resubmission.
N7	The transaction is declined due to CVV2 failure.
N8	The final transaction amount is more than the amount that was approved via pre-authorization.
Q1	Card authentication failed.
R0	You are required to stop the transaction.

AVS Codes by Card Brand

View a complete list of the card brands’ official response codes for address verification service (AVS). Discover what the responses mean and the impact they have.

Code	Summary	Description
A	Partial Match	Address matches, ZIP does not
B	Partial Match	Address matches, ZIP not verified
C	Not Verified	Address and ZIP not verified
D	Full Match	Address and ZIP match
F	Full Match	Address and ZIP match (UK only)
G	Not Verified	Address not verified for international transaction
I	Not Verified	Address not verified
M	Full Match	Address and ZIP match
N	No Match	Neither ZIP nor address match
P	Partial Match	ZIP matches, address not verified
R	Not Verified	System unavailable, retry
U	Not Verified	Information not available
Y	Full Match	Address and 5-digit or 9-digit ZIP match
Z	Partial Match	ZIP matches, address does not

Code	Summary	Description
A	Partial Match	Address matches, ZIP does not
N	No Match	Neither ZIP nor address match
R	Not Verified	System unavailable, retry
S	Not Verified	AVS not supported
U	Not Verified	Information not available
W	Partial Match	9-digit ZIP matches, address does not
X	Full Match	Address and 9-digit ZIP match
Y	Full Match	Address and 5-digit ZIP match
Z	Partial Match	ZIP matches, address does not

Code	Summary	Description
A	Full Match	Address and 5-digit or 9-digit ZIP match
N	No Match	Neither ZIP nor address match
S	Not Verified	AVS not supported
T	Partial Match	9-digit ZIP matches, address does not
U	Not Verified	System unavailable, retry
W	Not Verified	Information not available
X	Full Match	9-digit ZIP and address match
Y	Partial Match	Address matches
Z	Partial Match	ZIP matches, address does not

Code	Summary	Description
A	Partial Match	Address matches, ZIP does not
D	Partial Match	ZIP matches, name does not
E	Partial Match	Address and ZIP match, name does not
F	Partial Match	Address matches, name does not
K	Partial Match	Name matches
L	Partial Match	Name and ZIP match
M	Full Match	Name, address, and ZIP match
N	No Match	Neither ZIP nor address match
O	Partial Match	Name and address match
R	Not Verified	System unavailable, retry
S	Not Verified	AVS not supported
U	Not Verified	Information not available
W	No Match	Name, ZIP, and address do not match
Y	Partial Match	Address and ZIP match
Z	Partial Match	ZIP code matches

Don’t See the Information You are Looking For?

This resource contains the card brands’ official AVS codes. However, many processors and gateways have created their own set of response codes. If you receive codes that are different than what’s shown here and you’re struggling to understand their meaning, contact our team. We’ll help you understand your response codes and their impact on your business.

PAYMENT PROCESSING

Response Codes

Card Validation Response Codes

Don’t See the Information You are Looking For?

Authorization Response Codes

AVS Codes by Card Brand

Don’t See the Information You are Looking For?

KEY FEATURES

SOLUTIONS

RESOURCES

COMPANY

CONTACT

PAYMENT PROCESSING

Response Codes

Card Validation Response Codes

Don’t See the Information You are Looking For?

Authorization Response Codes

AVS Codes by Card Brand

Don’t See the Information You are Looking For?

Ready to Start Preventing & Fighting Chargebacks?

Set up your demo experience.

Sign up for news & updates.

KEY FEATURES

SOLUTIONS

RESOURCES

COMPANY

CONTACT

Ready to Start Preventing
& Fighting Chargebacks?

Set up your
demo experience.

Sign up for
news & updates.