Various bank response codes

Modified on Thu, 9 Feb, 2023 at 10:28 AM

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Overview:

Generic bank response code's are there to let us know that we should not honor a payment. There are various bank codes that we might receive on the Kazang pay app.

How to resolve:

Send the agent a copy of the response code list, this can be found on the share folder and below. Also explain to the agent that the bank rejected the transaction request and there is not much we can do from our side. The customer/vendor would need to contact their issuing bank for further assistance.

First line troubleshooting steps:

Please have the vendor try more than 1 card, as this would conform if the issue is with the customers card or with the machine. If the issue persists with more then 1 card follow the below escalation process.

Escalation matrix:

When escalating to the Kazang Pay Support department, you can log a ticket and assign it to the FreshDesk group called Kazang Pay Support. We have a set SLA of 24 hours (To accommodate offline hours and also extended offline hours on weekends).

Response Codes:

Code	Response	Detailed Response
00	Transaction Approved	Transaction Approved Successfully
01	Refer to Issuer	The customer's card issuer has indicated there is a problem with the credentials used in the transaction. The customer should use an alternate credit card, or contact their bank.
02	Refer to Issuer, Special	The customer's card issuer has indicated there is a problem with the card number. The customer should use an alternate credit card, or contact their bank.
03	No Merchant	This error indicates that either your merchant is not linked correctly on prime or channels are not configured on prime.
04	Pick Up Card	The customer's card issuer has declined the transaction and requested that the card be retained as the card may have been reported as lost or stolen.
05	Do Not Honour	The '05 Do Not Honour' error is a generic bank response code that has several possible causes. However it does generally indicate a card error rather than an error with your merchant facility. The '05' error indicates your bank declining the customer's card for an unspecified reason.
06	Error	The customer's card issuer has declined the transaction as there is a problem with the card number. The customer should contact their card issuer and/or use an alternate card.Note: This response code can also be returned via the Rapid API if you run a transaction query prior to the transaction being completed.
08	Honour with Identification	Transaction processed successfully - identification NOT required. This code is returned by some banks in place of 00 response.
09	Request in Progress	The card issuer has indicated there is a problem with the card number. The customer should contacttheir bank and/or use an alternate credit card.
10	Approved for Partial Amount	The transaction was successful.
12	Invalid Transaction	The bank has declined the transaction because of an invalid format or field. This indicates the card details were incorrect. Check card data entered and try again.
13	Invalid Amount	The customer's card issuer has declined the transaction because of an invalid format or field. Check the transaction information and try processing the transaction again.
14	Invalid Card Number	The card issuing bank has declined the transaction as the credit card number is incorrectly entered, or does not exist. Check card details and try processing again.
15	No Issuer	The customer's card issuer does not exist. Check the card information and try processing the transaction again.
19	Re-Enter Last Transaction	The transaction has not been processed and the customer should attempt to process the transaction again. No further information is provided from the bank as to the reason why this was not processed.
21	No Action Taken	The customer's card issuer has indicated there is a problem with the credit card number. The customer should use an alternate credit card, or contact their bank.
22	Suspected Malfunction	The customer's card issuer could not be contacted during the transaction. The customer should check the card information and try processing the transaction again.
23	Unacceptable Transaction Fee	An unspecified bank error has occurred. No further information is available from EFTPOS or the bank. The customer should attempt to process the transaction again.
25	Unable to Locate Record on File	The customer's card issuer does not recognise the credit card details. The customer should check the card information and try processing the transaction again.
29	Termap Issues	Escalate to Tech to restart TermApp.ISO interchange.
30	Format Error	The customer's card issuer does not recognise the transaction details being entered. This is due to a format error. The customer should check the transaction information and try processing the transaction again.
31	Bank Not Supported by Switch	The customer's card issuer has declined the transaction as it does not allow transactions originating through mail/telephone, fax, email or Internet orders.
33	Expired Card, Capture	The customer's card issuer has declined the transaction as Card has expired or the date is incorrect. Check the expiry date in the transaction and try processing the transaction again. Sometimes, this error code will be provided if the expiry date is entered incorrectly, NOT only for expired cards.
34	Suspected Fraud, Retain Card	The customer's card issuer has declined the transaction as there is a suspected fraud on this credit card number. You should check transactions processed after any declined transactions receiving this particular error to monitor for fraudulent transactions on alternate cards.
35	Card Acceptor, Contact Acquirer, Retain Card	The customer's card issuer has declined the transaction and requested that your customer's card be retained as the card was reported as lost or stolen.
36	Restricted Card, Retain Card	The customer's card issuer has declined the transaction and requested that your customer's card be retained.
37	Contact Acquirer Security Department, Retain Card	The customer's card issuer has declined the transaction and requested that your customer's card be retained.
38	PIN Tries Exceeded, Capture	The customer's card issuer has declined the transaction as the customer has entered the incorrect PIN three times.
39	No Credit Account	The customer's card issuer has declined the transaction as the Credit Card number used is not a credit account.
40	Function Not Supported	The customer's card issuer has declined the transaction as it does not allow this type of transaction.
41	Lost Card	The customer's card issuer has declined the transaction as the card has been reported lost.
42	No Universal Account	The customer's card issuer has declined the transaction as the account type selected is not valid for this credit card number. The customer should use an alternate credit card, or contact their bank.
43	Stolen Card	The customer's card has been reported as stolen. While you could contact this customer yourself, it's very possible that this transaction is fraudulent. Tread carefully.
44	No Investment Account	The customer's card issuer has declined the transaction as the account type selected is not valid for this credit card number.
51	Insufficient Funds	The customer's card issuer has declined the transaction as the credit card does not have sufficient funds. Advise your customer of this fact, and they should either use an alternate card or contact their bank.
52	No Cheque Account	The customer's card issuer has declined the transaction as the credit card number is associated to a cheque account that does not exist.
53	No Savings Account	The customer's card issuer has declined the transaction as the credit card number is associated to a savings account that does not exist.
54	Expired Card	The customer's card is expired. Contact your customer and confirm that the correct dates were entered and that there were no mistakes (e.g. 05/21 rather than 05/20). Note: Invalid expiry dates (ie, expiry year is in the past) are not able to be passed through EFTPOS.
55	Incorrect PIN	The customer's card issuer has declined the transaction as the customer has entered an incorrect PIN. The customer should re-enter their PIN.
56	No Card Record	The customer's card issuer has declined the transaction as the credit card number does not exist. The customer should re-enter their card details, or use an alternate credit card.
57	Function Not Permitted to Cardholder	The customer's card issuer has declined the transaction as this credit card cannot be used for this type of transaction. The customer should use an alternate credit card, or contact their bank.
58	Function Not Permitted to Terminal	The customer's card issuer 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, or contact their bank.
59	Suspected Fraud	The customer's card issuer has declined this transaction as the credit card appears to be fraudulent. While you could contact this customer yourself, it's very possible that this transaction is fraudulent. Tread carefully.
60	Acceptor Contact Acquirer	The customer's card issuer has declined the transaction. The customer should contact their bank and retry the transaction.
61	Exceeds Withdrawal Limit	The customer's card issuer has declined the transaction as it will exceed the customer's card limit. The customer should use an alternate credit card, or speak with their bank.
62	Restricted Card	The customer's card issuer has declined the transaction as the credit card has some restrictions. The customer should use an alternate credit card, or contact their bank.
63	Security Violation	The customer's card issuer has declined the transaction. The customer should use an alternate credit card, and contact their bank.
64	Original Amount Incorrect	The customer's card issuer has declined the transaction due to the amount attempting to be processed. The customer should check the transaction amount and try again, contacting their card issuer should the problem persist.
65	Exceeds withdrawal	The customer's card issuer has declined the transaction as the customer has exceeded the withdrawal frequency limit.
66	Acceptor Contact Acquirer, Security	The customer should use an alternative credit card. Neither EFTPOS nor the bank can provide more details.
67	Capture Card	The customer's card issuer has declined the transaction as the card is suspected to be a counterfeit. The customer's card issue has requested that your customer's credit card be retained by you. While you can contact the customer yourself, it's very possible that this transaction is fraudulent. Tread carefully.
75	PIN Tries Exceeded	The customer's card issuer has declined the transaction as the customer has entered the incorrect PIN more than three times.
82	CVV Validation Error	The customer's card issuer has declined the transaction as the CVV is incorrect. The customer should check the CVV details (the 3 numbers on the back for Visa/MC, or 4 numbers on the front for AMEX) and try again. If not successful, the customer should use an alternate credit card.
90	Cutoff In Progress	The customer's card issuer is temporarily not able to process this customer's credit card. The customer should attempt to process this transaction again.
91	Card Issuer Unavailable	The customer's card issuer is unable to be contacted to authorise the transaction. The customer should attempt to process this transaction again.If the problem persists, there may be an issue with the card issuing bank, and the cardholder should contact their bank.
92	Unable To Route Transaction	The customer's card issuer 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.
93	Cannot Complete, Violation Of The Law	The customer's card issuer has declined the transaction and request the customer to contact their bank.
94	Duplicate Transaction	The customer's card issuer has declined the transaction as this transaction appears to be a duplicate transmission. Check this is the case and process the transaction again if needed.
96	System Error	The customer's card issuer was not able to process the transaction. The customer should attempt to process this transaction again.
Z3	Unable to go online	The Transaction declined offline. This is usually due to a communication issue between the device and the host.

*Have we missed anything in this article?

Email operationssupport@kazang.com should you need any more information to be added onto this article.