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ProPay  (real-time) Response Codes:


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Transaction Responses   
Code Type Message CSI Pay Code
0 Good Success A01
99 Soft Generic decline or unable to parse issuer response code. D01
62 Soft Issuer does not allow this card to be charged for your business. D01
5 Soft Problem with the account D01
8 Soft Honor with ID only D01
1 Soft Transaction blocked by issuer D01
95 Soft Misc. Error Transaction failure D01
61 Soft Exceeds issuer withdrawal limit D01
80 Hard Invalid Date D02
49 Hard Invalid expDate D02
63 Soft Insufficient funds in account D03
51 Soft Insufficient funds D03
4 Hard Pick up Card and deny transaction D04
124 Hard Invalid encrypted track data D05
14 Hard Invalid card number D05
89 Hard Invalid track 2 D05
48 Hard Invalid ccNum D05
15 Hard No such issuer. Could not route transaction D05
88 Hard Invalid track 1 D05
52 Hard No such account D06
78 Hard Account not recognized D06
76 Hard Unable to locate account D06
83 Soft Cannot verify the PIN D07
96 Soft Invalid PIN D07
55 Soft Incorrect PIN D07
50 Soft Invalid cvv2 D08
82 Soft Invalid CVV2 D08
91 Soft Duplicate Batch ID D09
92 Soft Duplicate Batch Transaction D09
69 Soft Duplicate invoice number. The same card was charged for the same amount with the same invoice number (including blank invoices) in a 1 minute period. D09
90 Soft Transaction already refunded D09
100 Soft Transaction Already Refunded D09
41 Hard Lost card D10
43 Hard Stolen card D11
57 Soft Bank does not allow this type of purchase D12
166 Soft Service unavailable D12
58 Soft Credit card network does not allow this type of purchase for your merchant account. D12
85 Soft Service not supported for this card D12
7 Hard Customer requested stop to all recurring payments D13
6 Hard Customer requested stop to recurring payment D13
65 Soft Activity limit exceeded D15
17 Soft Over limit D15
61 Soft Amount exceeds single transaction limit D15
64 Soft Over credit card use limit D15
62 Soft Amount exceeds monthly volume limit D15
54 Hard Expired card D16
19 Soft Re-enter transaction or the merchant account may be boarded incorrectly D17
132 Soft Account setup does not allow capture for amount greater than authorization D18
101 Soft Refund Exceeds Original Transaction D18
13 Soft Amount Error D18
93 Soft Batch Transaction amount error D18
44 Soft Invalid amount D18
131 Soft Capture amount exceeds allowed amount D18
75 Soft PIN tries exceeded D21
16 Hard Refund error D22
25 Hard Invalid terminal D27
113 Hard One of the business legal address fields is invalid D27
9 Hard Unpaid items on customer account D27
47 Hard Invalid accntNum D27
39 Hard Invalid evenPhone D27
160 Hard Invalid card holder billing name D27
152 Hard BadRequest D27
86 Hard InvalidExternalID D27
121 Hard Amount Encumbered by enhanced Spendback D27
29 Hard Invalid aptNum D27
140 Hard External Payment Method Provided D27
134 Hard Threat Metrix Invalid SessionId D27
68 Hard Account not affiliated D27
60 Hard Credit card authorization timed out D27
173 Hard Invalid Referrer URL D27
165 Hard Missing required flash fund data D27
103 Hard Transaction does not meet date criteria D27
73 Hard Invalid Destination Account D27
116 Hard Business (legal) zip is invalid D27
42 Hard Invalid recEmail D27
163 Hard Invalid card type D27
155 Hard Invalid Significant Owner Date Of Birth D27
147 Hard Gross settle: Tier does not support gross settlement D27
55 Hard The email address provided does not correspond to a ProPay account. D27
185 Hard Missing Required Signup Data D27
168 Hard Invalid Document Name D27
106 Hard Invalid SEC code D27
94 Hard Unavailable Tier D27
32 Hard Invalid billZip D27
23 Hard Invalid accountType D27
145 Hard Gross settle: no billing information was included with the payment info D27
138 Hard External Payment Identifier not provided D27
129 Hard Multicurrency processing is not allowed for the account D27
37 Hard Invalid mailZip D27
158 Hard Invalid Beneficial Owner Data D27
150 Hard Invalid Service Setting D27
84 Hard InvalidBeginDate D27
76 Hard Not Premium (used only for push/pull transactions) D27
127 Hard Currency code not permitted for this account D27
119 Hard Business (legal) address is invalid D27
111 Hard Invalid EIN D27
45 Hard Invalid invNum D27
98 Hard Failure HV D27
142 Hard Invalid MCC Code (non-numeric or not in our database) D27
58 Hard Credit card declined (the responseCode element will provide info on the decline reason) D27
171 Hard Invalid Transaction Reference Number D27
109 Hard Invalid value for require CC refund D27
27 Hard Invalid lastName D27
122 Hard Invalid encrypting device type D27
114 Hard Business (legal) city is invalid D27
12 Hard Invalid transaction D27
40 Hard Invalid ssn D27
161 Hard Invalid card for fast fund D27
153 Hard InvalidPaymentType D27
87 Hard DuplicateUserID D27
79 Hard Generic account status error D27
71 Hard Account previously set up, but problem affiliating it with partner D27
104 Hard Transaction could not be refunded due to current transaction state. D27
30 Hard Invalid city D27
21 Hard Invalid transType D27
143 Hard Gross settle: invalid credit card information D27
135 Hard Threat Metrix Invalid Account configuration D27
53 Hard A ProPay account with this e-mail address already exists or User has no AccountNumber D27
174 Hard Invalid IP Address D27
82 Hard Invalid User ID D27
74 Hard Account or Trans Error D27
125 Hard You may not transfer money between these two accounts. Sponsor bank transfer disallowed. D27
117 Hard Business (legal) country is invalid D27
51 Hard Invalid transNum or unavailable to act on transNum due to funding D27
43 Hard Invalid knownAccount D27
164 Hard Flash fund not enabled D27
35 Hard Invalid mailCity D27
156 Hard Invalid Significant Owner SSN D27
148 Hard ExternalPaymentMethodIdentifier Invalid D27
56 Hard Recipient’s e-mail address shouldn’t have a ProPay account and does D27
169 Hard Invalid Document Type D27
107 Hard Invalid Account Name (ACH account) D27
95 Hard Invalid Country Code D27
33 Hard Invalid mailAddr D27
24 Hard Invalid sourceEmail D27
146 Hard Gross settle: error setting up billing information D27
139 Hard External Payment Provider not valid D27
130 Hard Multicurrency processing is not supported for this bank processor D27
46 Hard Invalid rtNum D27
38 Hard Invalid dayPhone D27
159 Hard Invalid Beneficial Owner Count D27
151 Hard Amex Enhanced Account Not Configured D27
85 Hard InvalidEndDate D27
77 Hard Empty results D27
63 Hard Security Violation D27
128 Hard Requires Additional Validation D27
120 Hard Incomplete business address D27
112 Hard Invalid business legal name (DBA) D27
28 Hard Invalid billAddr D27
99 Hard Unable to parse issuer response code. Generic decline D27
136 Hard External Payment Method Not Provided D27
133 Hard Threat Metrix risk denied (no responseCode is returned) D27
172 Hard Invalid card holder name D27
110 Hard Required field is missing (This is returned only for edit ProPay account. See response tag for field name.) D27
102 Hard Invalid Payer Name D27
123 Hard Invalid key serial number D27
115 Hard Business (legal) state is invalid D27
41 Hard Invalid dob D27
162 Hard Transaction declined D27
154 Hard Invalid Significant Owner Percentage D27
72 Hard The ProPay Account has already been upgraded to a Premium Account D27
167 Hard Account not registered D27
105 Hard Direct deposit account not specified D27
31 Hard Invalid state D27
22 Hard Invalid Currency Code D27
144 Hard Gross settle: invalid billing information D27
137 Hard External Payment Provider not provided D27
54 Hard A ProPay account with this social security number already exists D27
175 Hard Invalid subnet mask D27
149 Hard Invalid DoingBusinessAs D27
83 Hard BatchTransCountError D27
75 Hard Money already pulled D27
126 Hard Currency code not allowed for this transaction D27
118 Hard Mailing address invalid D27
52 Hard Invalid splitNum D27
36 Hard Invalid mailState D27
157 Hard Invalid Notification Email D27
65 Hard Miscellaneous error D27
57 Hard Cannot settle transaction because it already expired D27
170 Hard Invalid Document D27
34 Hard Invalid mailApt D27
26 Hard Invalid mInitial D27
97 Hard Approved for a lesser amount. ProPay will not settle and consider this a decline. D27
141 Hard Inactive or blocked MCC Code D27
93 Soft Cannot complete transaction. Customer should call 800 number. D30
78 Soft Invalid Authentication D34
20 Soft Invalid username D34
81 Soft Account Expired D34
66 Soft Denied a ProPay account (Developer should display a descriptive message that guides a new user to fill out ProPay exceptions form and submit it.) D34
5 Soft Problem with the account D34
67 Soft Unauthorized service requested D34
59 Soft Invalid Credential or IP address not allowed D34
80 Soft Invalid Password D34
108 Soft Invalid x509 certificate D34
63 Hard Insufficient funds in account R10
44 Hard Invalid amount R19
131 Hard Capture amount exceeds allowed amount R19
93 Hard Batch Transaction amount error R19
101 Hard Refund Exceeds Original Transaction R19
132 Hard Account setup does not allow capture for amount greater than authorization R19
92 Hard Duplicate Batch Transaction R24
100 Hard Transaction Already Refunded R24
90 Hard Transaction already refunded R24
69 Hard "Duplicate invoice number (The same card was charged for the same amount with the same invoice number (including blank invoices) in a 1 minute period. Details about the original transaction are included whenever a 69 response is returned. These details R24
91 Hard Duplicate Batch ID R24
70 Hard Duplicate external ID R24
64 Hard Over credit card use limit R34
62 Hard Amount exceeds monthly volume limit R34
107 Hard Invalid Account Name (ACH account) R45
79 Hard Generic account status error R95
108 Hard Invalid x509 certificate R95
66 Hard Denied a ProPay account (Developer should display a descriptive message that guides a new user to fill out ProPay exceptions form and submit it.) R95
80 Hard Invalid Password R95
20 Hard Invalid username R95
78 Hard Invalid Authentication R95
67 Hard Unauthorized service requested R95
59 Hard Invalid Credential or IP address not allowed R95
81 Hard AccountExpired R95
170 Hard Invalid Document R96
115 Hard Business (legal) state is invalid R99
52 Hard Invalid splitNum R99
156 Hard Invalid Significant Owner SSN R99
154 Hard Invalid Significant Owner Percentage R99
84 Hard InvalidBeginDate R99
21 Hard Invalid transType R99
123 Hard Invalid key serial number R99
97 Hard Account created in documentary status, but still must be validated R99
34 Hard Invalid mailApt R99
26 Hard Invalid mInitial R99
144 Hard Gross settle: invalid billing information R99
136 Hard External Payment Method Not Provided R99
74 Hard Account or Trans Error R99
65 Hard Miscellaneous error R99
169 Hard Invalid Document Type R99
113 Hard One of the business legal address fields is invalid R99
105 Hard Direct deposit account not specified R99
126 Hard Currency code not allowed for this transaction R99
118 Hard Mailing address invalid R99
55 Hard The email address provided does not correspond to a ProPay account R99
47 Hard Invalid accntNum R99
159 Hard Invalid Beneficial Owner Count R99
95 Hard Invalid Country Code R99
87 Hard DuplicateUserID R99
60 Hard Credit card authorization timed out R99
172 Hard Invalid card holder name R99
164 Hard Flash fund not enabled R99
37 Hard Invalid mailZip R99
29 Hard Invalid aptNum R99
147 Hard Gross settle: Tier does not support gross settlement R99
139 Hard External Payment Provider not valid R99
77 Hard Empty results R99
68 Hard Account not affiliated R99
42 Hard Invalid recEmail R99
152 Hard BadRequest R99
82 Hard InvalidUserID R99
129 Hard Multicurrency processing is not allowed for the account R99
121 Hard Amount Encumbered by enhanced Spendback R99
58 Hard Credit card declined (the responseCode element will provide info on the decline reason R99
50 Hard Invalid cvv2 R99
24 Hard Invalid sourceEmail R99
142 Hard R99", "Invalid MCC Code (non-numeric or not in our database) R99
134 Hard Threat Metrix Invalid SessionId R99
72 Hard The ProPay Account has already been upgraded to a Premium Account R99
175 Hard Invalid subnet mask R99
167 Hard Account not registered R99
111 Hard Invalid EIN R99
103 Hard Transaction does not meet date criteria R99
40 Hard Invalid ssn R99
32 Hard Invalid billZip R99
124 Hard Invalid encrypted track data R99
116 Hard Business (legal) zip is invalid R99
53 Hard A ProPay account with this e-mail address already exists or User has no AccountNumber R99
45 Hard Invalid invNum R99
157 Hard Invalid Notification Email R99
155 Hard Invalid Significant Owner Date Of Birth R99
85 Hard InvalidEndDate R99
22 Hard Invalid Currency Code R99
106 Hard Invalid SEC code R99
98 Hard Account created in documentary status, but still must be validated and paid for R99
35 Hard Invalid mailCity R99
27 Hard Invalid lastName R99
145 Hard Gross settle: no billing information was included with the payment info R99
137 Hard External Payment Provider not provided R99
75 Hard Money already pulled R99
162 Hard Transaction declined R99
88 Hard Invalid track 1 R99
127 Hard Currency code not permitted for this account R99
119 Hard Business (legal) address is invalid R99
56 Hard Recipient’s e-mail address shouldn’t have a ProPay account and does R99
48 Hard Invalid ccNum " R99
160 Hard Invalid card holder billing name R99
150 Hard Invalid Service Setting R99
61 Hard Credit card authorization timed out R99
173 Hard Invalid Referrer URL R99
165 Hard Missing required flash fund data R99
109 Hard Invalid value for require CC refund R99
38 Hard Invalid dayPhone R99
30 Hard Invalid city R99
148 Hard ExternalPaymentMethodIdentifier Invalid R99
140 Hard External Payment Method Provided R99
51 Hard Invalid transNum or unavailable to act on transNum due to funding R99
43 Hard Invalid knownAccount R99
153 Hard InvalidPaymentType R99
83 Hard BatchTransCountError R99
130 Hard Multicurrency processing is not supported for this bank processor R99
122 Hard Invalid encrypting device type R99
114 Hard Business (legal) city is invalid R99
33 Hard Invalid mailAddr R99
25 Hard Invalid firstName R99
143 Hard Gross settle: invalid credit card information R99
135 Hard Threat Metrix Invalid Account configuration R99
73 Hard Invalid Destination Account R99
185 Hard Missing Required Signup Data R99
168 Hard Invalid Document Name R99
112 Hard Invalid business legal name (DBA) R99
104 Hard Transaction could not be refunded due to current transaction state R99
96 Hard Invalid PIN R99
125 Hard You may not transfer money between these two accounts. Sponsor bank transfer disallowed R99
117 Hard Business (legal) country is invalid R99
54 Hard A ProPay account with this social security number already exists R99
46 Hard Invalid rtNum R99
158 Hard Invalid Beneficial Owner Data R99
94 Hard Unavailable Tier R99
86 Hard InvalidExternalID R99
163 Hard Invalid card type R99
99 Hard Account created successfully, but still must be paid for R99
36 Hard Invalid mailState R99
28 Hard Invalid billAddr R99
146 Hard Gross settle: error setting up billing information R99
138 Hard External Payment Identifier not provided R99
76 Hard Not Premium (used only for push/pull transactions) R99
171 Hard Invalid Transaction Reference Number R99
151 Hard Amex Enhanced Account Not Configured R99
89 Hard Invalid track 2 R99
128 Hard Requires Additional Validation R99
120 Hard Incomplete business address R99
57 Hard Cannot settle transaction because it already expired R99
49 Hard Invalid expDate R99
161 Hard Invalid card for fast fund R99
41 Hard Invalid dob R99
133 Hard Threat Metrix risk denied (no responseCode is returned) R99
71 Hard Account previously set up, but problem affiliating it with partner R99
174 Hard Invalid IP Address R99
166 Hard Service unavailable R99
110 Hard Required field is missing (This is returned only for edit ProPay account. See response tag for field name.) R99
102 Hard Invalid Payer Name R99
39 Hard Invalid evenPhone R99
31 Hard Invalid state R99
149 Hard Invalid DoingBusinessAs R99
23 Hard Invalid accountType R99
141 Hard Inactive or blocked MCC Code R99

AVS Responses   
Code Message CSI Pay Code
I Address not verified 40
E AVS Data is invalid, AVS is not allowed for this card type 40
0 No data provided to perform AVS check 40
C Street address and postal code do not match 45
W Street Address does not match, 9 digit postal code does 47
A Street address matches 5-digit and 9-digit postal code do not match 4D
B Address Match, postal code not verified 4D
Y Street Address and 5 digit postal code match 4E
X Street Address and 9 digit postal code match 4F
F Name does not match, postal code matches 53
J Name does not match, full AVS does not match 55
T Name does not match, Street Address Match 5C
H Name does not match, full AVS matches 5F
K Name matches, full AVS does not match 70
L Name matches, postal code matches 73
O Name match, Address Match, Postal Code no match 7C
Q Exact match 7F
V Exact Match 7F
G Non-U.S. issuing bank does not support AVS 80

CSC Responses   
Code Message CSI Pay Code
M CVV2 Match M
N CVV2 No Match N
P Not processed P
S Merchant has indicated that CVV2 is not present on card S
U Issuer is not certified and/or has provided Visa encryption keys U