Code	Response Text	Result	Explanation
00	Transaction Approved	Successful	The transaction was successful.
01	Refer to Issuer	Refer to Issuer	Refer 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.
02	Refer to Issuer, special	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.
03	No Merchant	Fail	The Merchant ID is invalid, you should contact your Bank and ensure you have provided the correct Merchant Account Number.
04	Pick Up Card	Fail	Pick 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.
05	Do Not Honour	Fail	The 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.
06	Error	Fail	The 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.
07	Pick Up Card, Special	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.
08	Honor With Identification	Successful	The transaction was successful. Some Banks use this code instead of ‘00’.
09	Request In Progress	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.
10	Approved For Partial Amount	Successful	The transaction was successful.
11	Approved, VIP	Successful	The transaction was successful. (This code is not used in Australia.)
12	Invalid Transaction	Fail	The 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.
13	Invalid Amount	Fail	An invalid character (e.g. a dollar sign or a space) may be being passed to the gateway. Check your website’s code.
14	Invalid Card Number	Fail	The 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.
15	No Issuer	Fail	The customer’s bank (Card Issuer) does not exist. Check the credit card information and try processing the transaction again.
16	Approved, Update Track 3	Successful	The transaction was successful.
19	Re-enter Last Transaction	Fail	The transaction has not been processed and the customer should attempt to process the transaction again.
21	No Action Taken	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.
22	Suspected Malfunction	Fail	The 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.
23	Unacceptable Transaction Fee	Fail	An unspecified error has occurred.
25	Unable to Locate Record On File	Fail	The 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.
30	Format Error	Fail	The 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.
31	Bank Not Supported By Switch	Fail	The 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.
33	Expired Card, Capture	Fail	The 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.
34	Suspected Fraud, Retain Card	Fail	The customer’s bank (Card Issuer) has declined the transaction as there is a suspected fraud on this Credit Card number.
35	Card Acceptor, Contact Acquirer, Retain Card	Fail	The 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.
36	Restricted Card, Retain Card	Fail	The 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.
37	Contact Acquirer Security Department, Retain 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.
38	PIN Tries Exceeded, Capture	Fail	The 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.
39	No Credit Account	Fail	The 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.
40	Function Not Supported	Fail	The 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.
41	Lost Card	Fail	The customer’s bank (Card Issuer) has declined the transaction as the card has been reported lost. The customer should use an alternate credit card.
42	No Universal Account	Fail	The 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.
43	Stolen Card	Fail	The customer’s bank (Card Issuer) has declined the transaction as the card has been reported stolen. The customer should use an alternate credit card.
44	No Investment Account	Fail	The 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.
51	Insufficient Funds	Fail	The 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.
52	No Cheque Account	Fail	The 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.
53	No Savings Account	Fail	The 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.
54	Expired Card	Fail	The 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.
55	Incorrect PIN	Fail	The 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.
56	No Card Record	Fail	The Customer’s bank has declined the transaction as the credit card number does not exist. The customer should use an alternate credit card.
57	Function Not Permitted to Cardholder	Fail	The 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.
58	Function Not Permitted to Terminal	Fail	The 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.
59	Suspected Fraud	Fail	The customer’s bank has declined this transaction as the credit card appears to be fraudulent.
60	Acceptor Contact Acquirer	Fail	The customer’s bank (card issuer) has declined the transaction. The customer should contact their bank and retry the transaction.
61	Exceeds Withdrawal Limit	Fail	The customer’s bank has declined the transaction as it will exceed the customer’s card limit. The customer should use an alternate credit card.
62	Restricted Card	Fail	The customer’s bank has declined the transaction as the credit card has some restrictions. The customer should use an alternate credit card.
63	Security Violation	Fail	The customer’s bank has declined the transaction. The customer should use an alternate credit card.
64	Original Amount Incorrect	Fail	The 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.
65	Exceeds withdrawal	Fail	The customer’s bank has declined the transaction as the customer has exceeded the withdrawal frequency limit. The customer should use an alternate credit card.
66	Acceptor Contact Acquirer, Security	Fail	The customer’s bank has declined the transaction and request the Merchant to contact the bank. The customer should use an alternate credit card.
67	Capture Card	Fail	The 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.
72	UNSPECIFIED_FAILURE	Fail	System Failure/System Error: A temporary inability of the bank's system to process the request. Restricted/Blacklisted Card: The card is on a Negative File or has severe restrictions.
75	PIN Tries Exceeded	Fail	The 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.
79	Life Cycle	Fail	The "Life cycle" code indicates that the card is in a state that prevents the transaction from being approved. This typically means there is an issue with the card data itself or its status within the Mastercard network, rather than a simple "insufficient funds" or "Do Not Honor."
82	CVV Validation Error	Fail	The 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.
90	Cutoff In Progress	Fail	The customer’s bank is temporarily not able to process this customer’s credit card. The customer should attempt to process this transaction again.
91	Card Issuer Unavailable	Fail	The customer’s bank is unable to be contacted to authorise the transaction. The customer should attempt to process this transaction again.
92	Unable To Route Transaction	Fail	The 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.
93	Cannot Complete, Violation Of The Law	Fail	The customer’s bank has declined the transaction and request the customer to contact their bank. The customer should use an alternate credit card.
94	Duplicate Transaction	Fail	The customer’s bank has declined the transaction as this transaction appears to be a duplicate transmission. No action required.
96	System Error	Fail	The customer’s bank was not able to process the transaction. The customer should attempt to process this transaction again.

Error Handling

Common errors faced while creating a payment request or while initiating the transaction.

Response Text	Explanation
Merchant Daily Limit Exceeded	Complete you UPayments "Know your Customer" (KYC) process by uploading all mandatory Business documents
Not a valid API request	The API Key is incorrect. Use test API Keys in Sandbox mode and Live keys (non-encrypted) in Production. Also ensure that the request is being sent to the latest API version
Unauthorized access	Pass the correct API Key (Bearer Token) provided for your Production environment or Sandbox environment
You are not white label user. To enable please contact to support	Contact your UPayments Account Manager to enable Whitelabeled API feature
Transaction not found	Incorrrect `track_id` was passed while trying to fetch payment status

Payment Restrictions

Due to regulatory and risk factors, UPayments imposes payment restrictions based on the cardholder's country and the issuing bank's location.

🌍 Restricted Cardholder Countries

Transactions originating from cardholders in the following countries will be explicitly blocked at the point of initiation:

Afghanistan
Bangladesh
Belarus
Bolivia
Brazil
Chile
China
Colombia
Czech Republic
Hong Kong
Indonesia
Iran
Jordan
Korea
Poland
Russia
Seychelles
Thailand
Venezuela
Vietnam
Yemen

🏦 Restricted Issuing Bank Locations

Payments will be blocked if the location of the bank issuing the payment card is in Europe or North America.

Region

Affected (Bank Location)

Europe

All countries within the European continent (including Albania, Andorra, Austria, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Georgia, Germany, Gibraltar (UK), Greece, Hungary, Iceland, Ireland, Italy, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey, Ukraine, United Kingdom, Vatican City).

North America

All countries within the North American continent (including the US, Canada, and Mexico).

📘
Developer Note: Implement a client-side block where possible to prevent transactions from these regions from reaching the API, reducing unnecessary decline rates.