Enum Values
A0000
Full amount approved.
A0001
Partially approved. The transaction was approved for an amount less than the original request because the cardholder’s account balance was insufficient to cover the full amount.
A0002
Purchase amount approved, not cash.
A0003
Point-to-Point Encryption (P2PE) success.
A0004
Account Validated.
A0005
Account verified. The necessary verification or return processing can proceed without encountering any issues from the issuer or network’s perspective
D1001
Contact issuer. The cardholder’s bank declined the transaction for a reason not provided by the merchant. The problem is with the issuing bank, not the merchant or the terminal.
D1002
Invalid account number. The card number entered is incorrect, does not exist, or is not valid for the type of transaction being attempted.
D1003
Lost or stolen card.
D1004
Frozen account.
D1005
Generic decline. The cardholder’s issuing bank declined the transaction without providing a specific reason.
D1006
Insufficient funds. The cardholder’s account doesn’t have enough money or available credit to cover the purchase.
D1007
Expired card. The card used in the transaction has an expiration date in the past, indicating the card is no longer valid.
D1008
Stand alone refund not allowed.
D1009
Declined due to suspected fraud.
D1010
Maximum attempts exceeded.
D1011
The card verification value (CVV2) entered during the transaction did not match the value on file with the card issuer.
D1012
Network System Error.
D1013
Cardholder could not be authenticated.
D1014
Cardholder authentication required.
D1016
The issuing bank or the network switch couldn’t be reached to authorize the card, often due to temporary system maintenance, technical glitches, or network issues
D1017
Negative file match.
D1018
Verification failed. The verification data provided during the authorization process did not match the issuer’s records. This often indicates a mismatch in information like the cardholder’s billing address, postal code, or CVC (card verification value).
D1019
Pick up card. The issuing bank has declined the transaction and requested that the card be retained by the merchant.
D1020
Invalid Issuer. The payment network cannot identify the credit card issuer from the number entered. This is typically due to human error, such as a mistyped card number, or an incorrect or unrecognized card number.
D1021
Transaction not permitted.
D1022
Restricted card. The card is restricted from use in the current region or country.
D1023
Transaction cannot be completed. The transaction was flagged as potentially violating legal regulations, sanctions, or specific transaction restrictions
D1024
Re-enter transaction. The transaction failed due to an unknown error or a temporary issue with the authorization process, and did not provide a specific reason. The network recommends re-entering the payment details and attempt the transaction again.
D1025
Reversal Failed.
D1026
No account.
D1027
Invalid Pin.
D1028
Exceeds withdrawal amount limit. The transaction’s amount is higher than the card issuer’s allowed limit for that transaction, potentially due to a spending or daily withdrawal limit
D1029
Exceeds withdrawal frequency limit. The cardholder has performed too many transactions or cash withdrawals within a specified time period
D1030
Response received late.
D1031
Chip failure.
D1032
Terminal out of balance. Contact Tesouro.
D1033
Failed velocity check.
D1034
System unavailable.
D1035
Customer cancellation.
D1036
Multi-currency dynamic currency conversion failure.
D1037
Multi-currency invert failure.
D1038
Dynamic currency conversion completed. No auth performed.
D1039
Preferred debit routing denial, process credit as debit.
D1040
Stop payment. The cardholder has instructed their issuing bank to halt the payment(s) from the specific merchant or card number, and the transaction should not be reattempted by the merchant.
D1041
Revocation of auth order.
D1042
Revocation of all auth orders.
D1043
Invalid routing number.
D1044
Invalid amount. There was a problem with the transaction amount or how currency conversion was handled.
D1045
Lost card. The card being used for a transaction has been reported as lost.
D1046
Stolen card. The card being used for a transaction has been reported as stolen.
D1048
3D Secure required. The card issuer needs a Strong Customer Authentication (SCA) to verify the cardholder’s identity for the transaction
D1049
No action taken. The transaction was declined by the card issuer, but with no specific reason or corrective action provided, possibly due to a system error, communication failure, or an unidentified issue with the transaction itself.
D1050
No credit account. The card number used is not linked to a valid credit account.
D1051
No checking account. The debit card used is not linked to an active checking account.
D1052
No savings account. The card used is not linked to an active savings account.
D1053
Closed account. The cardholder’s account has been closed by the issuer or the cardholder, or there’s a validation issue preventing the transaction from being approved.
D1054
Invalid merchant. There was a problem with the acceptor’s account or the way the transaction was submitted, preventing the card issuer from recognizing it.
D1055
Invalid transaction. A general error indicating the transaction could not be processed because of an error in the transaction details or a restriction on the card or merchant account.
D1056
Transaction not permitted to cardholder. The card used is restricted from the type of purchase, acceptor, or location. Examples include security restrictions on the card, such as foreign transactions, or specific card settings prohibiting online purchases, ATM withdrawals, or large purchases.
D1057
Transaction not allowed at terminal. The payment terminal itself is not set up to process the type of transaction being attempted, or the merchant account is misconfigured, preventing the transaction.
D1058
Blocked by issuer. The card issuer has blocked the transaction because it is not supported by the card type or the transaction itself is not supported by the issuer.
D1060
Potential AML risk. The transaction triggered anti-money laundering (AML) controls, indicating a potential issue with illegal activity.
D1062
PIN entry failed. The PIN data is missing, invalid, not verified, or the PIN was denied.
D1063
Blocked by cardholder. The cardholder has placed a block on their own card, or the card is blocked by the cardholder’s instruction to the bank.
D1064
Surcharge not permitted. A surcharge amount is not permitted on the transaction.
D1066
Cash service failed. The issuing bank, for various reasons, is unable to authorize the cash advance or ATM withdrawal requested.
D1067
Authentication failed. Unable to verify the cardholder’s identity, which can be caused by incorrect details entered, a technical glitch during PIN verification, or issues with the authentication process itself.
D1069
Invalid MCC. The merchant category code (MCC) used for a transaction is either incorrect, doesn’t match the merchant’s business type, or is being used in a way that violates network rules.
D1070
Unsolicited reversal. The acceptor tried to reverse a transaction but there was no matching original authorization recorded in the issuer’s history.
D1071
Already reversed. The original transaction has already been reversed, canceled or undone by the payment network. This code isn’t a decline in the traditional sense; it’s a system response indicating the transaction is no longer valid because it’s already been handled.
D1072
Reversal not needed. A reversal was attempted, but because the original transaction declined, no reversal of funds is needed.
D1073
Financial institution not found. The payment gateway or processing network is unable to forward the transaction to its intended destination, such as the card-issuing bank or another financial network
D1075
Duplicate transaction. The card issuer detected that the same transaction was submitted more than once with the same tracing data.
D1076
System malfunction. A technical issue occurred within the processing network or card issuer’s bank.
D1077
First use of card blocked. The transaction failed because it’s a new card being used for the first time, and the card issuer has put a security block in place to prevent fraud until the cardholder verifies their identity and activates the card
D2516
Acceptor not registered for account updates
E1001
System error, call Tesouro.
E1002
Network timeout.
E1003
Request field failed validation.
E1004
Acceptor not found.
E1005
Referenced payment not found.
E1006
Could not parse network response.
E1007
Token not found.
E1008
Acceptor not configured for any network this card can route through.
E1009
Rule violation.
E1010
Invalid token.
E1011
Illegal transaction: The country code is on the Office of Foreign Assets Control (OFAC) sanctions list.
U3000
Accepted.
U3001
No updates found.
U3002
Change in account number.
U3003
Change in expiration date.
U3004
Closed account.
U3005
Contact cardholder.
U3006
Non-participating issuing bank.