Skip to main content
Submit a Ticket

How can we help?

RMS Pay error codes reference

RMS Pay Error Codes and their Reason.

 

Introduction

There are several reasons why a transaction may fail. Common error codes and their descriptions can be found in the tables below.

In addition, some errors are generic and will return a standard response.

For Example: 

Error: Refused
The Error: Refused error is a valid and generic decline response from the card issuer. This message can be triggered for a variety of reasons, including (but not limited to) an invalid card number, a lost or stolen card, insufficient funds, or other issuer-related issues.
 

âš  Important: Continuous payment attempts to a card that is declining can result in the credit card being flagged for suspicious activity and the card issuer blocking the card.

 

General Transactions

Refusal Code Description
01: Refer to card issuer The transaction was refused by the card issuer. The shopper should contact their bank for clarification. The shopper can try again after resolving the issue with their bank, or use another payment method.
03: Invalid merchant The transaction was refused by the card issuer. The shopper should contact their bank for clarification. The shopper can try again after resolving the issue with their bank, or use another payment method.
04: Pickup card The card issuer requests to retain the card. This can be due to a suspected counterfeit or stolen card. This reason is used in an ecommerce environment although it originates from an in-person payments environment.
05: Do not honor This is a generic refusal that has several possible causes. The shopper should contact their issuing bank for clarification.
06: Error Payment could not be authorized and resulted in an error. The shopper can try again or use another payment method.
07: Pickup card, special conditions The card issuer requests to retain the card. This can be due to a suspected counterfeit or stolen card.
12: Invalid transaction The card issuer does not allow this type of transaction on this card/account. For example, the card is a fleet card for which this type of transaction is not permitted.
13: Invalid amount The card issuer has declined the transaction because of an invalid format or field. This response usually occurs with Cirrus or Maestro Debit and Prepaid Cards or cards that are not allowed to do online purchases. The shopper should try again or use another payment method.
14: Invalid Account Number (No such Number) The card issuer is unable to validate the card/account number.
15: No such issuer The card number is not within a card number range supported by the scheme.
19: Re-enter transaction Applies to Visa. The transaction cannot be processed temporarily.
41: Pickup card (lost card) The card was reported as lost. Validate the shopper's authenticity and refer them to their bank.
43: Pickup card (stolen card) The card was reported as stolen. Validate the shopper's authenticity and refer them to their bank.
46: Closed Account Applies to Visa. The account is closed. Re-validate the account number for accuracy and do not reattempt with the same PAN or token.
51: Insufficient funds/over credit limit / Not sufficient funds Insufficient funds in the cardholder's account. The shopper can try again after adding funds to their bank account, or use another payment method.
54: Expired card The card expiration date is in the past. The shopper should correct the date or use another payment method.
55: Invalid PIN The shopper has entered an incorrect PIN. The shopper should re-enter their PIN or use another payment method.
59: Suspected fraud The transaction is refused because the card issuer suspects this payment to be fraudulent.
61: Exceeds withdrawal amount limit(s) / Withdrawal amount limit exceeded The shopper has exceeded their card limit. The shopper can try again after resolving the issue with their bank, or use another payment method.
62: Restricted card The card issuer has restricted where the card can be used. For example, because of embargoes.
63: Security violation The card issuer indicated a security issue with this card. The shopper can use another payment method. Alternatively, the shopper can try again after they resolved the issue with their bank.
65: Exceeds withdrawal count limit / Withdrawal count limit exceeded The shopper has exceeded their card usage frequency limit. The shopper can use another payment method or try again with the same card after the shopper took care of the card limit issue.
6P: Customer ID verification failed Applies to Visa. Incorrect account verification (for example driving license number) related to Visa Direct. Not to be confused for cardholder verification method refusals such as CVV, for example.
65: Authentication required Applies to Mastercard. Authentication is required for the transaction. If the transaction is in scope of PSD2 and did not go through 3D Secure, try again with 3D Secure. This is also referred to as a "Soft Decline".
70: Contact Card Issuer Applies to Mastercard. The card issuer indicated an issue with this card and requests contact from the shopper. The shopper can use another payment method. Alternatively the shopper can try again after they resolved the issue with their bank.
70: PIN data required Applies to Visa. The card issuer requests to use Secure Customer Authentication. Reattempt transaction with PIN. (European Region Only)
75: Allowable number of PIN tries exceeded The shopper has entered an incorrect PIN more times than is allowed by the issuing bank. The shopper should try again or use another payment method.
78: Invalid/nonexistent account specified (general) The transaction is from a new cardholder, and the card has not been properly unblocked.
79: Life Cycle Applies to Mastercard. The transaction is refused due to invalid card data. View the Merchant Advice Code for follow-up action.
82: Policy Applies to Mastercard. The transaction is refused due to a policy reason. View the Merchant Advice Code for follow-up action.
83: Fraud / Security Applies to Mastercard. The transaction is refused because the card issuer suspects this payment to be fraudulent. View the Merchant Advice Code for follow-up action.
86: Cannot verify PIN Applies to Visa. The PIN cannot be validated. If applicable, the transaction can be reattempted as a non-PIN transaction.
96: System malfunction The issuing bank cannot be contacted. The shopper should try again or use another payment method.
5C: Transaction not supported/blocked by issuer Applies to Visa. The transaction was refused by the card issuer. The shopper can contact their bank or try with a different payment method.
9G: Blocked by cardholder/contact cardholder Applies to Visa. The cardholder blocked this card. Ask the cardholder to use another payment method.
Z1: Offline-declined Applies to Visa. Only used in non-cardholder requests such as advice.
Z3: Unable to go online; offline-declined Applies to Visa. Only used in non-cardholder requests such as advice.
N7: Decline for CVV2 failure Reserved for private use or Customer selected negative file reason

 

Cancelled

Refusal Reason Description
000: Approved The transaction was canceled after being initially approved by the issuer. This can be due to various reasons, for example, if the shopper returns goods after purchase.
001: Approve with ID The transaction was canceled after the issuer requested that identification be established through telephone contact between the acquiring center's authorizer and the merchant.
002: Prepaid Card Partial Authorization Transaction was canceled. Some card issuers support partial-approval authorization. This approves a part of the requested transaction, leaving the remainder to be paid with another form of tender.

 

Refused

Refusal Reason Description
100: Deny This is a generic refusal that can have several possible reasons. Shopper should contact their issuing bank for clarification.
101: Expired Card / Invalid Expiration Date The card expiration date is in the past. The shopper should correct the date or use another payment method.
106: PIN tries exceeded The shopper has entered an incorrect PIN more times than is allowed by the issuing bank. The shopper should try again or use another payment method.
109: Invalid merchant The transaction was refused by the card issuer. The shopper should contact their bank for clarification. The shopper can try again after resolving the issue with their bank, or use another payment method.
110: Invalid amount The transaction amount was specified in an invalid format. For example, an invalid character such as a dollar sign or a space was used. The shopper should correct or use another payment method.
111: Invalid account The card issuer is unable to validate the card/account number, possibly because an invalid character was used.
115: Requested function not supported The card issuer does not allow this type of transaction on this card/account.
117: Incorrect PIN The shopper entered an invalid PIN. The shopper should try again or use another payment method.
119: Transaction not permitted to Cardmember The card issuer doesn't permit the transaction on this card/account. The shopper can use another payment method.
122: Invalid Keyed Printed Card Security Code (PCSC) The card issuer indicated a security issue with this card. The shopper can use another payment method. Alternatively, the shopper can try again after they resolved the issue with their bank.
125: Invalid Effective Date on Card The card expiration date provided is not a valid date format. The shopper should correct or use another payment method.
130: Additional customer identification required Authentication is required for the transaction. If the transaction is in scope of PSD2 and did not go through 3D Secure, try again with 3D Secure. This is also referred to as a "Soft Decline".
181: Format error The card issuer does not recognize the transaction details being entered. This is due to a format error. The shopper should check the transaction information and try again.
183: Invalid Currency Code The currency code provided doesn't comply with standards.
187: Deny New Card Issued The card issuer supplied the cardholder with a new card. The shopper should try again with the new card, or use another payment method
189: Deny Canceled or Closed Card Acceptor The merchant has stopped operations or is no longer accepting cards from this card scheme.
200: Deny pick up Card The card issuer requests to retain the card. This can be due to a suspected counterfeit or stolen card.
900: Advice accepted The ExpressPay issuer is unable to respond to an ATC Synchronization Authorization Request.
911: Card Issuer timed out The issuing bank cannot be contacted. The shopper should try again or use another payment method.
912: Host unavailable The issuing bank cannot be contacted. The shopper should try again or use another payment method.

 

 

 

Was this article helpful?

We're sorry to hear this article was not helpful, please let us know why here, so we can make it better.

Thanks for the positive feedback! We'd love to hear more, let us know here.

Return to top

Related articles

Comments

0 comments

Please sign in to leave a comment.

Contact us