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Authorizations

Upon submitting an authorization request to Tesouro, you’ll receive a response containing a five-character processorResponseCode and message indicating whether the request was approved or declined by the network, or if it failed to reach the network due to an error. Tesouro will also provide advice on what, if anything, can be done to successfully retry a declined or failed request. The response codes are grouped using a letter and number prefix:
GroupingResponse typeDescription
A0xxxApprovalThe request was successful.
D1xxxDeclineThe request was declined, though subsequent attempts may be successful.
E1xxxErrorThe request failed before being sent to the Network.

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A0xxx - Approvals

Response codeResponse message
A0000Full amount approved
A0001Partial amount approved
A0002Purchase amount approved

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D1xxx - Declines

Response codeResponse messageDescription
D1001Call issuerCall the issuer to get the transaction manually approved.
D1002Invalid account numberAsk the customer for a new method of payment.
D1003Stolen or lost cardAsk the customer for a new method of payment. Take extra precautions as the transaction may be fraudulent.
D1004Frozen accountAsk the customer for a new method of payment.
D1005Generic declineAttempt the transaction again after waiting a day or more or ask the customer for a new method of payment.
D1006Insufficient fundsAttempt the transaction again after waiting several days or ask customer for a new method of payment.
D1007Expired cardAsk cardholder for updated expiration date. If accurate ask for new method of payment.
D1008Stand alone refund not allowed.Ask for another method of payment to process the refund.
D1009Possible fraudAttempt the transaction again after a day or more or ask the customer for a new method of payment. Take extra precautions as the transaction may be fraudulent.
D1010Maximum attempts exceededAsk the customer for a new method of payment.
D1012Network reported system errorAttempt the transaction again after waiting several minutes. If error persists contact Tesouro.
D1013Cardholder could not be authenticatedAsk the customer for a new method of payment. Take extra precautions as the transaction may be fraudulent.
D1014Cardholder authentication requiredUtilize cardholder authentication (3DS) or ask customer for another method of payment.
D1016Issuer unavailableAttempt the transaction again after waiting several minutes or ask customer for another method of payment.
D1019Pickup cardIf possible confiscate the card. Ask customer for a new method of payment. Take extra precautions as the transaction may be fraudulent.
D1020Invalid issuerAsk the customer to double check the account number. If accurate ask for a new method of payment. Take extra precautions as the transaction may be fraudulent.
D1021Transaction not permittedAsk the customer for a new method of payment.
D1022Restricted cardAsk the customer for a new method of payment.
D1023Illegal transactionAsk the customer for a new method of payment.
D1024Retry transactionAttempt the transaction again after waiting several minutes.
D1025Reversal FailedRetry the request at a later time.
D1026No accountAsk the customer for a new method of payment.
D1027Invalid PINAsk the customer to reenter PIN. If fails again ask for new method of payment. Take extra precautions as the transaction may be fraudulent.
D1028Exceeds withdrawal amount limitAsk the customer for a new method of payment. Take extra precautions as the transaction may be fraudulent.
D1029Exceeds withdrawal frequency limitAsk the customer for a new method of payment. Take extra precautions as the transaction may be fraudulent.
D1030Response received lateTransaction failed. Process a new transaction.
D1031Chip failureFallback to magstripe or key entered or ask for new method of payment. Take extra precautions as the transaction may be fraudulent.
D1032Reconciliation errorTerminal out of balance. Contact Tesouro.
D1034System unavailableAttempt the transaction again after waiting several minutes. If error persists contact Tesouro.
D1035Customer cancellationDo not process future transactions.
D1036Multi-currency DCC failureProcess transaction without DCC.
D1037Multi-currency invert failureProcess transaction without multi-currency.
D1038DCC completeno auth performed, SoftDecline, Re-auth the transaction.
D1039Preferred debit routing denialReprocess the transaction using the debit network.
D1040Stop payment orderDo not process future transactions.
D1041Revocation of auth orderDo not process future transactions.
D1042Revocation of all auth ordersDo not process future transactions.

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E1xxx - Errors

Requests that fail before being sent to the payment network will provide an error response code containing detail about what caused the error and how, if possible, to correct it.
Response codeResponse messageDescription
E1001System errorCall Tesouro
E1002Network timeoutRetry the request at a later time.
E1003Request field failed validationReview the error response for details and guidance on how to resolve.
E1004Acceptor not foundReview the error response for details, then update the request with the correct acceptor ID.
E1005Referenced payment not foundReview the error response for details, then update the request with the correct referenced payment.
E1006Could not parse network responseRetry the request at a later time.
E1007Token not foundReview the error response for details, then update the request with the correct token.
E1008Payment network not configuredA payment network was not associated with the cardholder’s account number.
E1009Rule violationThe transaction request did not pass a Tesouro pre-check rule. Check the explanation and advice fields in the graphQL response for more detail on which rule was violated, and if applicable, next steps you can take.
E1010Invalid tokenThe token supplied is associated with a different payment method that what was expected. e.g., If a tokenized credit card is passed on transaction expecting a tokenized bank account.

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Account updater

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U3xxx - Updater responses

Response codeResponse message
U3000Accepted
U3001No updates found
U3002Change in account number
U3003Change in expiration date
U3004Closed account
U3005Contact cardholder
U3006Non-participating issuing bank

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