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TransFirst  (real-time) Response Codes:



Transaction Responses   
Code Type Message CSI Pay Code
00 Good Approved or completed successfully A01
P0 Good Approved; PVID code is missing, invalid, or has expired A01
85 Good No reason to decline a request for Account Number Verification or Address Verification A01
79 Good Already reversed (by Switch) A03
10 Good Approved, partial A05
32 Good Completed partially - Valid for MasterCard Reversal Requests Only - Used in a reversal message to indicate the reversal request is for an amount less than the original transaction. A07
P1 Soft Declined; PVID code is missing, invalid, or has expired D01
93 Soft Violation of law D01
61 Soft Exceeds withdrawal limit D01
63 Soft Security violation D01
Q1 Soft Card Authentication failed D01
02 Soft Refer to card issuer, special condition D01
68 Soft Response received too late D01
17 Soft Customer cancellation D01
XD Soft Forward to Issuer D01
51 Soft Not sufficient funds D01
86 Soft Cannot verify PIN D01
92 Soft Destination Routing error D01
83 Soft Unable to verify PIN D01
59 Soft Suspected fraud D01
P2 Soft Invalid biller Information D01
08 Soft Honor with identification (this is a decline response when a card not present transaction) D01
62 Soft Restricted card D01
01 Soft Refer to card issuer D01
11 Soft VIP Approval (this is a decline response when a card not present transaction) D01
65 Soft Exceeds withdrawal frequency D01
16 Soft Decline response when a card not present transaction D01
XA Soft Forward to Issuer D01
69 Soft Advice received too late D01
05 Soft Do not honor D01
91 Soft Issuer or switch inoperative D01
07 Hard Pick-up card, special condition D04
04 Hard Pick-up card D04
14 Hard Invalid card number D05
78 Hard Invalid/non-existent account – Decline (MasterCard specific) D05
15 Hard No such issuer D06
53 Hard No savings account D06
39 Hard No credit account D06
52 Hard No checking account D06
55 Soft Incorrect PIN D07
N7 Soft Decline for CVV2 failure D08
82 Soft Incorrect CVV D08
84 Soft Invalid Authorization Life Cycle – Decline (MasterCard) or Duplicate Transaction Detected (Visa) D09
94 Soft Duplicate Transmission (Integrated Debit and MasterCard) D09
41 Hard Lost card, pick-up D10
43 Hard Stolen card, pick-up D10
57 Soft Transaction not permitted to cardholder D12
N3 Soft Cash service not available D12
58 Soft Transaction not permitted on terminal D12
R0 Hard The transaction was declined or returned, because the cardholder requested that payment of a specific recurring or installment payment transaction be stopped. D13
R1 Hard The transaction was declined or returned, because the cardholder requested that payment of all recurring or installment payment transactions for a specific merchant account be stopped. D13
54 Hard Expired card D16
19 Soft Re-enter transaction D17
13 Soft Invalid amount D18
75 Soft PIN tries exceeded D21
28 Hard File update file locked D27
N4 Hard Cash request exceeds Issuer limit D27
77 Hard Previous message located for a repeat or reversal, but repeat or reversal data is inconsistent with original message. D27
96 Hard System malfunction D27
12 Hard Invalid transaction D27
B2 Hard Surcharge amount not supported by debit network issuer D27
81 Hard PIN cryptographic error found by the Visa security module during PIN decryption. D27
70 Hard Reserved for future use D27
25 Hard Unable to locate record D27
06 Hard Error D27
N5 Hard Ineligible for re-submission D27
30 Hard Format error D27
76 Hard Reversal: Unable to locate previous message (no match on Retrieval Reference Number). D27
N8 Hard Transaction amount exceeds preauthorized approval amount D27
B1 Hard Surcharge amount not permitted on Visa cards or EBT Food Stamps D27
80 Hard No financial Impact (Reserved for declined debit) D27
N0 Hard Force STIP D27
03 Soft Invalid merchant D34
21 Hard No action taken R27

CSC Responses   
Code Message CSI Pay Code
M CVV2/CVC2/CID Match M
N CVV2/CVC2/CID No Match N
P Not Processed P
S The CVV2/CVC2/CID should be on the card, but the merchant indicates it is not. S
U Not Certified U

AVS Responses   
Code Message CSI Pay Code

Visa
R Retry. System unavailable or timed out. Issuer ordinarily performs its own AVS but is unavailable. Available for US issuers only 00
U Address not verified for domestic transactions. No AVS information is available on record. 40
G Address information is not verified for international transaction 40
I Address information not verified. 40
N No match. Acquirer sent postal/ZIP code only, or street address only, or both postal code and street address 45
C Street Address and postal code not verified due to incompatible formats. 45
P Postal code match. Acquirer sent both postal code and street address, but street address is not verified due to incompatible formats 47
Z Postal/ZIP matches, street address does not match or street address not included in request 47
A The street addresses match; the postal codes do not match, or the request does not include the postal code. 4D
B The street addresses match; the postal code was not verified due to incompatible formats. 4D
Y Address and five digit ZIP match 4E
M Street address and postal codes match for international transaction. 4F
D Street address and postal codes match for international transaction. 4F
F Street address and postal code match. (U.K.only) 4F

MasterCard
R Retry. System unavailable or timed out. Issuer ordinarily performs its own AVS but is unavailable. Available for US issuers only 00
U Address not verified for domestic transactions. No AVS information is available on record. 40
N No match. Acquirer sent postal/ZIP code only, or street address only, or both postal code and street address 45
Z Postal/ZIP matches, street address does not match or street address not included in request 47
W For US addresses, nine-character numeric postal code matches, but address does not match. For address outside the US, postal codes matches but address does not 47
A The street addresses match; the postal codes do not match, or the request does not include the postal code. 4D
Y Address and five digit ZIP match 4E
X For US address, nine-character numeric postal code and address match. For addresses outside the US, postal code and address match. 4F
S Service not supported. 80

Amex
R Retry. System unavailable or timed out. Issuer ordinarily performs its own AVS but is unavailable. Available for US issuers only 00
U Address not verified for domestic transactions. No AVS information is available on record. 40
N No match. Acquirer sent postal/ZIP code only, or street address only, or both postal code and street address 45
Z Postal/ZIP matches, street address does not match or street address not included in request 47
A The street addresses match; the postal codes do not match, or the request does not include the postal code. 4D
Y Address and five digit ZIP match 4E
5 Cardholder name incorrect, ZIP matches 53
8 Cardholder, all do not match 55
7 Cardholder name incorrect, address matches 5C
6 Cardholder name incorrect, address and ZIP match 5F
4 Cardholder name match 70
1 Cardholder name and ZIP match 73
3 Cardholder name and address match 7C
2 Cardholder name, address, and ZIP match 7F
S Service not supported. 80

Discover
R Retry. System unavailable or timed out. Issuer ordinarily performs its own AVS but is unavailable. Available for US issuers only 00
G Address information is not verified for international transaction 40
I Address information not verified. 40
U Address not verified for domestic transactions. No AVS information is available on record. 40
C Street Address and postal code not verified due to incompatible formats. 45
N No match. Acquirer sent postal/ZIP code only, or street address only, or both postal code and street address 45
P Postal code match. Acquirer sent both postal code and street address, but street address is not verified due to incompatible formats 47
Z Postal/ZIP matches, street address does not match or street address not included in request 47
B The street addresses match; the postal code was not verified due to incompatible formats. 4D
A The street addresses match; the postal codes do not match, or the request does not include the postal code. 4D
Y Address and five digit ZIP match 4E
D Street address and postal codes match for international transaction. 4F
F Street address and postal code match. (U.K.only) 4F
M Street address and postal codes match for international transaction. 4F

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