| Code | Code Text | Explanation |
| 00 | Transaction Approved | The transaction was successful |
| 01 | Refer to Card Issuer | The customer’s bank (Card Issuer) has indicated there is a problem with the credit card number. The customer should contact their bank. The customer should use an alternate credit card. |
| 02 | Refer to Issuer, special | The customer’s bank (Card Issuer) has indicated there is a problem with the credit card number. The customer should contact their bank. The customer should use an alternate credit card |
| 03 | Invalid Merchant | The Merchant ID is invalid, you should contact your Bank and ensure you have provided the correct Merchant Account Number to PayChoice |
| 04 | Pick Up Card | The customer’s bank (Card Issuer) has declined the transaction and requested that your customer’s credit card be retained. (card reported lost or stolen). The customer should use an alternate credit card. |
| 05 | Do Not Honour | The customer’s bank has declined the transaction as the credit card number has failed a security check, or the funds have been frozen or depleted. The customer should use an alternate credit card. |
| 08 | Honour With Identification | The transaction was successful |
| 09 | Request In Progress | The customer’s bank (Card Issuer) has indicated there is a problem with the credit card number. The customer should contact their bank. The customer should use an alternate credit card. |
| 11 | Approved, VIP | The transaction was successful |
| 12 | Invalid Transaction | he customer’s bank (Card Issuer) has declined the transaction because of an invalid format or field. Check the transaction information and try processing the transaction again. |
| 13 | Invalid Amount | An invalid character (e.g. a dollar sign or a space) may be being passed to the gateway. Check your website’s code. |
| 14 | Invalid Card Number | The customer’s bank (Card Issuer) has declined the transaction as the Credit Card number does not exist. Check the credit card information and try processing the transaction again. |
| 15 | No Issuer | The customer’s bank (Card Issuer) does not exist. Check the credit card information and try processing the transaction again. |
| 29 | File Update not Successful | The customer’s bank (Card Issuer) has declined the transaction because of an invalid format or field. Check the transaction information and try processing the transaction again. |
| 30 | Format Error | The customer’s bank (Card Issuer) does not recognise the transaction details. The customer should check the transaction information and try processing the transaction again. |
| 33 | Expired Card, Capture | The customer’s bank (Card Issuer) has declined the transaction as Credit Card has expired or the date is incorrect. Check the expiry date in the transaction and try processing the transaction again. |
| 34 | Suspected Fraud, Retain Card | The customer’s bank (Card Issuer) has declined the transaction as there is a suspected fraud on this Credit Card number |
| 38 | PIN Tries Exceeded, Capture | The customer’s bank (Card Issuer) has declined the transaction as the customer has entered the incorrect PIN three times. The customer’s bank (Card Issuer) has requested you retain the credit card. The customer should use an alternate credit card and contact their bank. |
| 41 | Lost Card | The customer’s bank (Card Issuer) has declined the transaction as the card has been reported lost. The customer should use an alternate credit card. |
| 43 | Stolen Card | The customer’s bank (Card Issuer) has declined the transaction as the card has been reported stolen. The customer should use an alternate credit card. |
| 51 | Insufficient Funds | The customer’s bank (Card Issuer) has declined the transaction as the credit card does not have sufficient funds. The customer should use an alternate credit card. |
| 54 | Expired Card | The customer’s bank (Card Issuer) has declined the transaction as the credit card appears to have expired. The customer should check the expiry date entered and try again, or use an alternate credit card. |
| 55 | Incorrect PIN | The customer’s bank (Card Issuer) has declined the transaction as the customer has entered an incorrect PIN. The customer should re-enter their PIN, otherwise use an alternate credit card. |
| 57 | Function Not Permitted to Cardholder | The Customer’s bank has declined the transaction as this credit card cannot be used for this type of transaction. The customer should use an alternate credit card. |
| 58 | Function Not Permitted to Terminal | The Customer’s bank has declined the transaction as this credit card cannot be used for this type of transaction. This may be associated with a test credit card number. The customer should use an alternate credit card. |
| 62 | Restricted Card | The customer’s bank has declined the transaction as the credit card has some restrictions. The customer should use an alternate credit card. |
| 65 | Exceeds Withdrawal Frequency Limit | The customer’s bank has declined the transaction. The customer should use an alternate credit card. |
| 75 | PIN Tries Exceeded | The customer’s bank has declined the transaction as the customer has entered the incorrect PIN more than three times. The customer should use an alternate credit card. |
| 82 | CVV Validation Error | The customer’s bank has declined the transaction as the CVV is incorrect. The customer should check the CVV details and try again. If not successful, the customer should use an alternate credit card. |
| 89 | Administration Error | The customer’s bank cannot be found for routing. This response code is often returned when the customer is using a test credit card number. The customer should attempt to process this transaction again. |
| 91 | Card Issuer Unavailable | The customer’s bank is unable to be contacted to authorise the transaction. The customer should attempt to process this transaction again. |
| 96 | System Error | The customer’s bank was not able to process the transaction. The customer should attempt to process this transaction again. |
