CodeResponse TextResultExplanation
00Transaction ApprovedSuccessfulThe transaction was successful.
01Refer to IssuerRefer to IssuerRefer to Issuer Fail 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.
02Refer to Issuer, specialFailThe 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.
03No MerchantFailThe Merchant ID is invalid, you should contact your Bank and ensure you have provided the correct Merchant Account Number.
04Pick Up CardFailPick Up Card Fail 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.
05Do Not HonourFailThe 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.
06ErrorFailThe customer’s bank (Card Issuer) has declined the transaction as there is a problem with the credit card number. The customer should contact their
bank. The customer should use an alternate credit card.
07Pick Up Card, SpecialFailThe 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.
08Honor With IdentificationSuccessfulThe transaction was successful. Some Banks use this code instead of ‘00’.
09Request In ProgressFailThe 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.
10Approved For Partial AmountSuccessfulThe transaction was successful.
11Approved, VIPSuccessfulThe transaction was successful. (This code is not used in Australia.)
12Invalid TransactionFailThe 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.
13Invalid AmountFailAn invalid character (e.g. a dollar sign or a space) may be being passed to the gateway. Check your website’s code.
14Invalid Card NumberFailThe 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.
15No IssuerFailThe customer’s bank (Card Issuer) does not exist. Check the credit card
information and try processing the transaction again.
16Approved, Update Track 3SuccessfulThe transaction was successful.
19Re-enter Last TransactionFailThe transaction has not been processed and the customer should attempt to process the transaction again.
21No Action TakenFailThe 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.
22Suspected MalfunctionFailThe customer’s bank (Card Issuer) cannot be contacted during the transaction. The customer should check the credit card information and try processing the transaction again.
23Unacceptable Transaction FeeFailAn unspecified error has occurred.
25Unable to Locate Record On FileFailThe customer’s bank (Card Issuer) does not recognise the credit card details. The customer should check the credit card information and try processing the transaction again.
30Format ErrorFailThe customer’s bank (Card Issuer) does not recognise the transaction details. The customer should check the transaction information and try processing the transaction again. Usually due to an incorrect TID.
31Bank Not Supported By SwitchFailThe customer’s bank (Card Issuer) has declined the transaction as it does not allow transactions originating through mail /telephone, fax, email or Internet orders. This error is associated customers attempting to use a Discover Card. The customer should use an alternate credit card.
33Expired Card, CaptureFailThe 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.
34Suspected Fraud, Retain CardFailThe customer’s bank (Card Issuer) has declined the transaction as there is a suspected fraud on this Credit Card number.
35Card Acceptor, Contact Acquirer, Retain CardFailThe customer’s bank (Card Issuer) has declined the transaction and requested that the customer’s credit card be retained (card reported lost or stolen). The customer should use an alternate credit card.
36Restricted Card, Retain CardFailThe customer’s bank (Card Issuer) has declined the transaction and requested that the customer’s credit card be retained. (card reported lost or stolen) The customer should use an alternate credit card.
37Contact Acquirer Security Department, Retain CardFailThe 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.
38PIN Tries Exceeded, CaptureFailThe 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.
39No Credit AccountFailThe customer’s bank has declined the transaction as the Credit Card number used is not a credit account. The customer should use an alternate credit
card.
40Function Not SupportedFailThe customer’s bank (Card Issuer) has declined the transaction as it does not allow this type of transaction. The customer should use an alternate credit
card.
41Lost CardFailThe customer’s bank (Card Issuer) has declined the transaction as the card has been reported lost. The customer should use an alternate credit card.
42No Universal AccountFailThe customer’s bank (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.
43Stolen CardFailThe customer’s bank (Card Issuer) has declined the transaction as the card has been reported stolen. The customer should use an alternate credit
card.
44No Investment AccountFailThe customer’s bank (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.
51Insufficient FundsFailThe 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.
52No Cheque AccountFailThe customer’s bank (Card Issuer) has declined the transaction as the credit card number is associated to a cheque account that does not exist. The customer should use an alternate credit card.
53No Savings AccountFailThe customer’s bank (Card Issuer) has declined the transaction as the credit card number is associated to a savings account that does not exist. The customer should use an alternate credit card.
54Expired CardFailThe 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.
55Incorrect PINFailThe 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.
56No Card RecordFailThe Customer’s bank has declined the transaction as the credit card number does not exist. The customer should use an alternate credit card.
57Function Not Permitted to CardholderFailThe 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.
58Function Not Permitted to TerminalFailThe 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.
59Suspected FraudFailThe customer’s bank has declined this transaction as the credit card appears to be fraudulent.
60Acceptor Contact AcquirerFailThe customer’s bank (card issuer) has declined the transaction. The customer should contact their bank and retry the transaction.
61Exceeds Withdrawal LimitFailThe customer’s bank has declined the transaction as it will exceed the customer’s card limit. The customer should use an alternate credit card.
62Restricted CardFailThe customer’s bank has declined the transaction as the credit card has some restrictions. The customer should use an alternate credit card.
63Security ViolationFailThe customer’s bank has declined the transaction. The customer should use an alternate credit card.
64Original Amount IncorrectFailThe customer’s bank has declined the transaction due to the amount attempting to be processed. The customer should check the transaction amount and try again.
65Exceeds withdrawalFailThe customer’s bank has declined the transaction as the customer has exceeded the withdrawal frequency limit. The customer should use an alternate credit card.
66Acceptor Contact Acquirer, SecurityFailThe customer’s bank has declined the transaction and request the Merchant to contact the bank. The customer should use an alternate credit card.
67Capture CardFailThe customer’s bank has declined the transaction as the card is suspected to be counterfeit. The customer’s bank (Card Issuer) has requested that your customer’s credit card be retained. The customer should use an alternate credit card.
75PIN Tries ExceededFailThe 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.
82CVV Validation ErrorFailThe 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.
90Cutoff In ProgressFailThe customer’s bank is temporarily not able to process this customer’s credit card. The customer should attempt to process this transaction again.
91Card Issuer UnavailableFailThe customer’s bank is unable to be contacted to authorise the transaction. The customer should attempt to process this transaction again.
92Unable To Route TransactionFailThe 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.
93Cannot Complete, Violation Of The LawFailThe customer’s bank has declined the transaction and request the customer to contact their bank. The customer should use an alternate credit card.
94Duplicate TransactionFailThe customer’s bank has declined the transaction as this
transaction appears to be a duplicate transmission. No action required.
96System ErrorFailThe customer’s bank was not able to process the transaction. The customer should attempt to process this transaction again.

Common UInterface Errors

Response TextExplanation
Merchant Daily Limit ExceededComplete you UPayments "Know your Customer" (KYC) process by uploading all mandatory Business documents
Unauthorized accessPass the correct Authorization Token provided for your Production environment or Sandbox environment
You are not white label user. To enable please contact to supportContact your UPayments Account Manager to enable Whitelabeled API feature
Transaction not foundIncorrrect track_id was passed while trying to fetch payment status