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Vantiv Tandem  (real-time) Response Codes:



Transaction Responses   
Code Type Message CSI Pay Code
611 Good VIP approval A01
685 Good No reason to decline AVS request A01
768 Soft Response received too late D01
704 Soft Please call card issuer D01
602 Soft Refer to card issuer, special condition D01
795 Soft Issuer/switch inoperative POSA Prepaid Network SAF D01
608 Soft Honor with identification D01
763 Soft Security violation D01
697 Soft Transaction did not contain CVV2 data - retry D01
668 Soft Response received late D01
734 Soft Suspected Fraud - Call Center D01
692 Soft Financial Inst facility cannot be found for routing D01
791 Soft Issuer/switch inoperative D01
737 Soft Call Center D01
767 Soft Hard capture (Requires ATM pickup) D01
601 Soft Refer to card issuer D01
705 Soft Do Not Honor D01
760 Soft Card acceptor contact acquirer D01
663 Soft Security violation D01
708 Soft Honor with ID D01
762 Soft Declined - Authorization prohibited D01
696 Soft System Malfunction D01
730 Soft Message Format Error D01
793 Soft Declined - transaction in violation of law D01
691 Soft Issuer/switch inoperative D01
605 Soft Do not honor D01
702 Soft Declined by issuer D01
796 Soft Call for authorization - system malfunction D01
621 Soft No action taken, unable to back out prior transaction D01
701 Soft Honor with identification D01
735 Soft Card Acceptor Contact Required D01
766 Soft Card acceptor contact acquirer's security D01
759 Soft Do not honor - Suspected Fraud D01
710 Hard Invalid effective date on card D02
651 Soft Insufficient funds D03
751 Soft Insufficient funds D03
707 Hard Pick up card (Special Condition) (Fraud Account) D04
604 Hard Pick up card D04
767 Hard Pick up card D04
714 Hard Decline - pick up card D04
607 Hard Pick up card (special condition) D04
704 Hard Pick up card - No Fraud D04
614 Hard Invalid cardholder account D05
715 Hard Invalid Card Number Prefix D05
615 Hard No such issuer D05
707 Hard Format error - invalid account number D05
714 Hard Invalid Card Number D05
677 Hard Previous message located for repeat/reversal, but data inconsistent D06
652 Hard No checking account D06
776 Hard Invalid/Nonexistent "to" Account D06
752 Hard No checking account D06
639 Hard No credit account D06
778 Hard Invalid/Nonexistent Account Specified D06
753 Hard Declined - No Savings Account D06
676 Hard Unable to locate previous message D06
739 Hard No Credit Account D06
653 Hard No savings account D06
777 Hard Invalid/Nonexistent "From" Account D06
678 Hard Invalid non-existent account specified (general) D06
792 Hard Financial Inst facility cannot be found for routing D06
783 Soft Unable to verify PIN D07
718 Soft Invalid Security Code. D07
786 Soft Cannot verify PIN D07
755 Soft Invalid PIN D07
686 Soft Cannot verify PIN D07
681 Soft Cryptographic error found in PIN or CVV D07
655 Soft Incorrect PIN D07
683 Soft Unable to verify PIN D07
781 Soft Cryptographic error found in PIN or CVV D07
682 Soft Incorrect CVV D08
782 Soft Incorrect CVV D08
709 Soft Invalid card security code (CID) D08
794 Soft Call for authorization - duplicate auth request D09
694 Soft Duplicate transmission detected D09
798 Soft Duplicate Transaction D09
743 Hard Pick up - stolen card D10
641 Hard Lost card - pick up D10
741 Hard Pick up - lost card D10
643 Hard Stolen card - pick up D10
708 Soft Service not valid D12
657 Soft Transactions not allowed to cardholder D12
757 Soft Transaction not permitted to issuer/cardholder D12
758 Soft Transactions not allowed to terminal D12
658 Soft Transactions not allowed to terminal D12
618 Hard Recurring payment - do not try again D13
811 Hard Recurring payment - obtain another type of payment from customer D13
699 Hard Recurring payment - cardholder requested all payment stopped D13
617 Hard Recurring payment - cannot approve D13
810 Hard Recurring payment - recycle tran 72 hours later D13
637 Hard Recurring payment - obtain another type of payment from customer D13
698 Hard Recurring payment - cardholder requested specific payment stopped D13
616 Hard Recurring payment - new account info available D13
809 Hard Recurring payment - obtain new acct info before next billing cycle D13
761 Soft Exceeds withdrawal limit D15
665 Soft Activity count limit exceeded D15
765 Soft Exceeds withdrawal limit Count limit D15
661 Soft Exceeds withdrawal/approval amount limits D15
790 Soft Exceeds approval/daily limit. ECHO Override optional. D15
751 Soft Declined - over limit account D15
654 Hard Expired card D16
703 Hard Expiration date check failed D16
733 Hard Expired Card - Call Center D16
754 Hard Expired card D16
619 Soft Re-enter transaction D17
719 Soft Re-enter Transaction D17
706 Soft Format error - invalid amount D18
713 Soft Invalid Amount D18
613 Soft Invalid amount D18
773 Soft Over maximum balance (Gift Card) D18
764 Soft Original amount incorrect D18
738 Soft Declined PIN attempts D21
717 Soft Allowable # of PAN tries exceeded D21
775 Soft Allowable number of PIN tries exceeded D21
675 Soft Allowable number of PIN entry tries exceeded D21
747 Hard Undeliverable transaction D27
711 Hard Format error D27
728 Hard File is unavailable D27
612 Hard Invalid transaction D27
687 Hard Reconciliation totaling has stopped for current settlement day D27
770 Hard Card already active (Gift Card) D27
756 Hard No card record D27
680 Hard Invalid date D27
713 Hard Invalid currency cod D27
730 Hard Format error D27
628 Hard File is unavailable D27
740 Hard Call for authorization function not available D27
792 Hard Unable to route transaction D27
731 Hard Bank not supported by switch. MID not valid for processing D27
689 Hard Ineligible to receive financial position information (GIV) D27
772 Hard Card already closed (Gift Card) D27
722 Hard Unmatched voucher information D27
778 Hard No "to" account specified D27
715 Hard Invalid transaction for network D27
789 Hard Ineligible to receive financial position information (GIV) D27
717 Hard Host/Card issuer not available D27
724 Hard ID or Date of Birth Mismatch D27
780 Hard Invalid date D27
774 Hard Invalid activate (Gift Card) D27
606 Hard One or more errors in message D27
706 Hard One or more errors in message D27
625 Hard Unable to locate record in file D27
684 Hard Time limit for a pre-auth is to long D27
791 Hard Call for authorization - network problems D27
703 Hard Invalid Merchant D27
734 Hard Enter DL/Date of Birth D27
793 Hard Illegal transaction - violation of law D27
769 Hard Bad close (Gift Card) D27
679 Hard Already reversed by switch D27
712 Hard Network unavailable - please wait D27
705 Hard Format error - invalid merchant ID D27
729 Hard Hard Negative Information on File D27
784 Hard Time limit for a pre-auth is to long D27
688 Hard Switch cannot provide totals now, try again in 30 minutes D27
771 Hard Card not active (Gift Card) D27
796 Hard System malfunction D27
721 Hard No action taken - unable to back out prior transaction D27
777 Hard Previous message located for repeat/reversal, but data inconsistent D27
627 Hard File update field edit error D27
788 Hard Switch cannot provide totals now, try again in 30 minutes D27
630 Hard Format error D27
723 Hard Transaction not defined D27
779 Hard Already reversed by switch D27
640 Hard Requested function not supported D27
787 Hard Network Unavailable D27
763 Hard Security violation D27
716 Hard Format error D27
725 Hard Unable to locate record in file D27
693 Hard Illegal transaction - violation of law D27
776 Hard Unable to locate previous message D27
732 Hard Invalid Station ID D27
708 Hard Invalid format in identification data D27
662 Soft Restricted card D29
762 Soft Restricted card D29
726 Soft ID Restrictions D29
736 Soft Restricted Card - Call Center D29
603 Soft Invalid merchant D33
758 Soft Merchant closed or merchant not authorized for auth type D34
768 Soft Merchant Depleted (Gift Card) D34

AVS Responses   
Code Message CSI Pay Code
U Issuer is unavailable 00
R Retry, system unavailable or Timed Out 00
E Error 00
N Neither address nor ZIP matches 45
Z ZIP matches, address does not 47
A Address matches, ZIP does not 4D
Y Address and ZIP both match 4F
G International issuer not participating in AVS 80

CSC Responses   
Code Message CSI Pay Code
M CVV2/CVC2 value matches M
N CVV2/CVC2 value does not match N
P CVV2/CVC2 value was not processed P
S CVV2/CVC2 was on the card, but the request said it was not S
U CVV2/CVC2 validation was not available U
Y Unrecognized reason X
E Unrecognized reason X

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