Each response code corresponds to a different situation that lead to a declined payment. For the full list of these codes and their descriptions please refer to the chart below, which was provided by Vantiv.
|
RC |
Response Type |
Response Description |
|
0 |
Approved/Success |
Approved and/or successful transaction request. |
|
5 |
Partial Approved (PARTIAL APPROVAL) |
Card issuer has partially approved the transaction. |
|
20 |
Declined |
Card issuer has declined the transaction. Return the card and instruct the cardholder to call the card issuer for more information on the status of the account. If received on a recurring transaction, contact the cardholder for updated card information. For Check/ACH, transaction has been declined. |
|
21 |
Expired Card |
Card is expired or expiration date is invalid. |
|
22 |
Duplicate AP |
Declined as a duplicate. Same card, same amount, within the same batch was previously approved. |
|
23 |
Duplicate |
Declined as a duplicate. Same card, same amount, within the same batch was previously approved. |
|
24 |
Pick up Card |
Issuing bank has declined and wants to recover the card. Inform the customer that you have been instructed to keep the card, and ask for an alternative form of payment. If you feel uncomfortable, simply return the card to the cardholder. |
|
25 |
Call Issuer |
Card issuer needs more information before approving the sale. Contact the authorization center and follow whatever instructions you are given. |
|
90 |
Undefined |
Undefined. |
|
101 |
Invalid Data () |
Invalid data has been submitted. Check ExpressResponseMessage for additional details. |
|
Invalid Data (INVALID CARD INFO) |
Card number submitted is invalid. Card number does not pass basic processor validation or issuer edit checks. |
|
|
Invalid Data (INVALID AMOUNT) |
Amount entered is invalid. |
|
|
Invalid Data (INVALID PIN) |
Debit PIN entered is invalid. |
|
|
102 |
Invalid Account |
Possible profile configuration issue or incorrect AcceptorID sent. Possible invalid AccountID, AccountToken, or TerminalID sent. |
|
103 |
Invalid Request |
Invalid Request. Check ExpressResponseMessage for additional details. |
|
104 |
Auth Failed |
Auth failed. |
|
105 |
Not Allowed (NOT AUTHORIZED) |
Card number or card type submitted is invalid. Merchant may not be configured for submitted card type. |
|
120 |
Out of Balance |
Out of balance (Merchant-Initiated batching). |
|
1001 |
Comm Error |
Communication error. Reversal should be submitted. |
|
1002 |
Host Error |
Host error. Reversal should be submitted. |
|
1009 |
Error |