Common Pinpad Terminal Response Codes

This article will cover some common Pinpad terminal response codes that appear either due to an error or decline from the terminal or Linkly integration.

These terminal response codes are generated from the terminal itself and should be raised with the bank for further information on response.

 

Code	Description	Printer Message	Terminal Display
00	Approved or Completed successfully	APPROVED 00	APPROVED 00
01	Refer to card issuer	DECLINED 01	TRANSACTION DECLINED CONTACT BANK - 01
03	Invalid Merchant	DECLINED 03	TRANSACTION DECLINED INVALID MERCHANT - 03
04	Pick-up card	DECLINED 04	TRANSACTION DECLINED CONTACT BANK - 04
08	Honour with Identification	APPROVED 08	APPROVED WITH SIGNATURE
11	Approved VIP	APPROVED 00	APPROVED 00
12	Invalid transaction	DECLINED 12	TRANSACTION DECLINED INVALID TRANS - 12
13	Invalid amount	DECLINED 13	TRANSACTION DECLINED INVALID AMOUNT - 13
14	Invalid card number (no such number)	DECLINED 14	TRANSACTION DECLINED INVALID CARD NO - 14
19	Re-enter transaction	DECLINED 19	TRANSACTION DECLINED SYSTEM ERROR - 19
21	No action taken	DECLINED 21	TRANSACTION DECLINED SYSTEM ERROR - 21
30	Format error	DECLINED 30	TRANSACTION DECLINED SYSTEM ERROR - 30
31	Bank not supported by switch	DECLINED 31	TRANSACTION DECLINED SYSTEM ERROR - 31
33	Expired card	DECLINED 33	TRANSACTION DECLINED PHONE AUTH CENTRE - 33
36	Restricted card	DECLINED 36	TRANSACTION DECLINED BANK NOT AVAIL - 36
39	No credit account	DECLINED 39	TRANSACTION DECLINED NO CREDIT ACCT - 39
41	Lost card	DECLINED 41	TRANSACTION DECLINED PHONE AUTH CENTRE - 41
42	No universal account	DECLINED 42	TRANSACTION DECLINED NO ACCOUNT - 42
43	Stolen card, pick up	DECLINED 43	TRANSACTION DECLINED PHONE AUTH CENTRE - 43
51	Not sufficient funds	DECLINED 51	TRANSACTION DECLINED REFFER CARD ISSUER - 51
52	No cheque account	DECLINED 52	TRANSACTION DECLINED NO CHEQUE ACCT - 52
53	No savings account	DECLINED 53	TRANSACTION DECLINED NO SAVINGS ACCT - 53
54	Expired card	DECLINED 54	TRANSACTION DECLINED EXPIRED CARD - 54
55	Incorrect PIN	DECLINED 55	TRANSACTION DECLINED INCORRECT PIN - 55
56	No card recorded	DECLINED 56	TRANSACTION DECLINED CARD NOT VALID - 56
57	Transaction not permitted to cardholder	DECLINED 57	TRANSACTION DECLINED TRAN NOT ALLOWED - 57
58	Transaction not permitted to terminal	DECLINED 58	TRANSACTION DECLINED TRAN NOT ALLOWED - 58
59	Suspected fraud	DECLINED 59	TRANSACTION DECLINED PHONE AUTH CENTRE - 59
60	Card acceptor contact acquirer	DECLINED 60	TRANSACTION DECLINED PROCESSING ERROR - 60
61	Exceeds withdrawal amount limit	DECLINED 61	TRANSACTION DECLINED OVER CARD LIMIT - 61
62	Restricted card	DECLINED 62	TRANSACTION DECLINED TRAN NOT ALLOWED - 62
67	Phone authorisation centre	DECLINED 67	TRANSACTION DECLINED PHONE AUTH CENTRE - 67
75	Allow PIN tries exceeded	DECLINED 75	TRANSACTION DECLINED EXCEED PIN TRIES - 75
91	Issuer or switch inoperative	DECLINED 91	TRANSACTION DECLINED ISSUER NOT AVAIL - 91
94	Duplicate Transaction	DECLINED 94	TRANSACTION DECLINED DECLINED - 94
96	System malfunction	DECLINED 96	TRANSACTION DECLINED - RETRY TRANSACTION - 96
97	Reconcile totals have been reset	SETTLED 97	SETTLEMENT TOTALS RESET
98	MAC error	DECLINED 98	TRANSACTION DECLINED MAC ERROR - 98
Q5	Settlement message already acknowledged. Response totals same as for original settlement	DECLINED Q5	TRANSACTION DECLINED ALREADY SETTLED - Q5
R1	Incorrect PIN format	DECLINED R1	TRANSACTION DECLINED PIN BLOCKED ERROR - R1
S1	Amount greater than SAF credit/debit limit	DECLINED S1	TRANSACTION DECLINED CALL FOR AUTH - S1
Z1	Transaction amount too large	DECLINED Z1	TRANSACTION DECLINED LOWER AMOUNT - Z1
Z3	Transaction amount greater than authorised amount	DECLINED Z3	TRANSACTION DECLINED INVALID AMOUNT - Z3
Z6	Card insertion only	DECLINED Z6	TRANSACTION DECLINED NO MANUAL ENTRY - Z6