AA |
Good |
Approval |
A01 |
87 |
Good |
Approve purchase amount, not cash back amount |
A01 |
AP |
Good |
Amex Express Rewards Approval |
A01 |
85 |
Good |
No reason to decline (account verification) |
A01 |
AV |
Good |
Approval, VIP |
A01 |
00 |
Good |
Approved |
A01 |
NX |
Good |
Acknowledgment of refund request |
A02 |
10 |
Good |
Partial approval |
A05 |
AB |
Good |
Partially Approved |
A05 |
02 |
Soft |
Refer to card issuer, special condition |
D01 |
ND |
Soft |
Decline |
D01 |
01 |
Soft |
Refer to card issuer |
D01 |
08 |
Soft |
Honor with identification |
D01 |
05 |
Soft |
Do not honor |
D01 |
NS |
Soft |
Decline, Special |
D01 |
80 |
Hard |
Invalid date |
D02 |
51 |
Soft |
Insufficient funds |
D03 |
73 |
Soft |
Over Max Balance (Gift Card) |
D03 |
07 |
Hard |
Pick up card, special condition |
D04 |
NC |
Hard |
Decline, pick up card |
D04 |
04 |
Hard |
Pick up card |
D04 |
F1 |
Hard |
Decline, pick up card (fraud) |
D04 |
78 |
Hard |
Invalid account |
D05 |
14 |
Hard |
Invalid account number |
D05 |
53 |
Hard |
No savings account |
D06 |
15 |
Hard |
No such issuer |
D06 |
39 |
Hard |
No Credit Account |
D06 |
91 |
Hard |
Issuer unavailable |
D06 |
52 |
Hard |
No checking account |
D06 |
NP |
Soft |
PIN Invalid or Retries Exceeded |
D07 |
55 |
Soft |
Incorrect PIN |
D07 |
83 |
Soft |
Unable to verify PIN |
D07 |
N7 |
Soft |
Decline for CVV2 |
D08 |
82 |
Soft |
Incorrect CVV |
D08 |
63 |
Soft |
Security violation (AMEX CID invalid) |
D08 |
94 |
Soft |
Duplicate transaction detected |
D09 |
41 |
Hard |
Pick up card (lost) |
D10 |
43 |
Hard |
Pick up card (stolen card) |
D11 |
58 |
Soft |
Transaction not allowed at terminal |
D12 |
57 |
Soft |
Transaction not permitted to cardholder |
D12 |
R0 |
Hard |
Stop payment order on a specific recurring payment – one time |
D13 |
R3 |
Hard |
Stop payment order on all instances of all recurring payments – account closed field |
D13 |
R1 |
Hard |
Stop payment order on all instances of a specific recurring payment |
D13 |
61 |
Soft |
Exceeds withdrawal amount limit |
D15 |
65 |
Soft |
Activity count limit |
D15 |
NE |
Hard |
Decline, Expired Card |
D16 |
54 |
Hard |
Expired card |
D16 |
19 |
Soft |
Reenter transaction |
D17 |
RE |
Soft |
Retry, no response received |
D17 |
13 |
Soft |
Invalid amount |
D18 |
75 |
Soft |
Allowable number of PIN tries exceeded |
D21 |
56 |
Hard |
Cardholder not on file (Discover) |
D27 |
21 |
Hard |
Unable to back out transaction |
D27 |
74 |
Hard |
Invalid Activate (Gift Card) |
D27 |
31 |
Hard |
Merchant not in file (Discover) |
D27 |
69 |
Hard |
Bad Close (Gift Card) |
D27 |
RJ |
Hard |
Edit reject, not processed |
D27 |
71 |
Hard |
Card Not Active (Gift Card) |
D27 |
06 |
Hard |
Error |
D27 |
68 |
Hard |
Response received late |
D27 |
30 |
Hard |
Format error |
D27 |
96 |
Hard |
System malfunction |
D27 |
12 |
Hard |
Invalid transaction |
D27 |
32 |
Hard |
Partial reversal (Mastercard) |
D27 |
70 |
Hard |
Card Already Active (Gift Card) |
D27 |
17 |
Hard |
Customer cancelled |
D27 |
72 |
Hard |
Cad Already Closed (Gift Card) |
D27 |
62 |
Soft |
Restricted card |
D29 |
NR |
Soft |
Referral, call bank |
D30 |
59 |
Soft |
Referral (Discover) |
D30 |
03 |
Soft |
Invalid merchant number |
D33 |