Worldnet | Developer Integration Portal

M - CVV Match
N - CVV No Match
P - Not Processed
S - CVV should be on the card but the merchant indicates it is not.
U - User is unregistered

CVV result codes are for indication to the merchant only, and do not influence the overall authorisation result.
If you intend to change this behaviour, ask your gateway adminstrator to enable the “Auto decline on CVV failure” option for your terminals.

A - Address matches, ZIP does not. The first five numerical characters contained in the address match those stored at the VIC or issuer's center. However, the ZIP code does not match.
E - Ineligible transaction.
N - Neither address nor ZIP matches. Neither the first five numerical characters contained in the address match with those stored at the VIC nor issuer's center nor the ZIP code match.
R - Retry (system unavailable or timed out).
S - Card type not supported. The card type for this transaction is not supported by AVS. AVS can verify addresses for Visa cards, MasterCard, proprietary cards, and private label transactions.
U - Address information unavailable.
G - Address information unavailable, International - Visa only, The address information was not available at the VIC or issuer's center.
W - Nine-digit ZIP match, address does not. The nine-digit Postal ZIP code matches that stored at the VIC or card issuer's centre. However, the first five numerical characters contained in the address do not match.
X - Exact match (nine digit ZIP and address). Both the nine-digit Postal ZIP code as well as the first five numerical characters contained in the address match.
Y - Address and five-digit ZIP match. Both the five-digit Postal ZIP code as well as the first five numerical characters contained in the address match.
Z - Five-digit ZIP matches, address does not. The five-digit Postal ZIP code matches that stored at the VIC or card issuer's centre.

AVS result codes are for indication to the merchant only, and do not influence the overall authorisation result.
If you intend to change this behaviour, ask your gateway adminstrator to enable the “Auto decline on AVS failure” option for your terminals.

The gateway maps all responses into the following codes and, in addition to non-approval response codes, we will return a separate field containing a brief description of the failure.

A - Approval: The transaction has been authorized. When an approval code is returned, a hold will be placed on cardholder funds in the amount of the sale (depending on the card issuing bank it might take a different number of days) and will guarantee funds to be transferred into a merchant’s account.
D - Declined: The bank has declined the transaction and funds will not be transferred into the merchant's account.
C - Pick Up: The card issuer has declined the transaction and requested that the card be retained as it may have been reported as lost or stolen.
R - Referral: The bank requires more information before they can approve the transaction. This is only relevant when processing Mail/Telephone Order transactions through our Virtual Terminal.

If you get an R (Referral) response code you should contact your acquiring bank immediately, because once these transactions settle, they can no longer be completed. They'll ask you for the transaction details and then give you an authorization code, which you can enter into our Selfcare.

Your acquirer should have provided you with the a phone number, so you can contact them in regards to these queries. Please note that we do not have access to these contact numbers.

To help merchants understand better the cause of declines, our responses also include the bank response codes which is a 2-digit code that identifies the reason the payment was approved or declined.

The list below comprehends most of the response codes sent by issuers, but keep in mind that this list may vary depending on the bank.

Filter:

Code	Definition
00	Approved, authorized
01	Refer to card issuer
02	Refer to issuer's special conditions
03	Invalid merchant or service provider
04	Pick up card
05	Do not honor
06	Error
07	Pick up, special condition (other than lost/stolen)
08	Honor with ID
09	Request in progress
10	Partial amount approved
11	VIP Approval
12	Invalid or expired transaction
13	Invalid amount
14	Invalid card/account number
15	No such issuer
16	Approved, update track 3
17	Customer cancellation
18	Customer dispute
19	Re-enter transaction
20	Invalid response
21	No action taken (no match)
22	Suspected malfunction
23	Unacceptable transaction fee
24	File update not supported by receiver
25	Unable to locate record on file
26	Duplicate file update record
27	File update field edit error
28	File update file locked out
29	File update not successful
30	Format error
31	Bank not supported by switch
32	Completed partially
33	Expired card - pick up
34	Suspected fraud - pick up
35	Contact acquirer - pick up
36	Restricted card - pick up
37	Call acquirer security - pick up
38	Allowable pin tries exceeded
39	No credit account
40	Requested function not supported
41	Lost card - pick up
42	No universal amount
43	Stolen card - pick up
44	No investment account
46	Closed account
51	Insufficient funds
52	No checking account
53	No savings account
54	Expired card or invalid expiration date
55	Incorrect pin
56	No card record
57	Transaction not permitted to cardholder
58	Transaction not permitted to terminal
59	Suspected fraud
60	Card acceptor contact acquirer
61	Exceeds withdrawal limit
62	Invalid service code, restricted
63	Security violation
65	Activity limit exceeded
66	Card acceptor call acquirer security
67	Hard capture - pick up card at ATM
68	Response received too late
70	PIN data required
75	PIN tries exceeded
76	Unable to locate, no match
77	Inconsistent data, rev., or repeat
78	No account
79	Already reversed at switch
80	Invalid date
81	Cryptographic failure
82	Incorrect CVV
83	Unable to verify PIN
84	Invalid authorisation life cycle
85	No reason to decline
86	ATM malfunction
87	No envelope inserted
88	Unable to dispense
89	Administration error
90	Cut-off in progress
91	Issuer or switch is unavailable
92	Destination not found
93	Violation, cannot complete
94	Duplicate transmission
95	Reconcile error
96	System malfunction
97	Reconciliation totals reset
98	MAC error
A1	POS device authentication successful
A2	POS device authentication not successful
A3	POS device deactivation successful
B1	Surcharge amount not permitted on Visa cards or EBT food stamps
B2	Surcharge amount not supported by debit network issuer
CV	Card type verification error
E1	Encryption not configured
E2	Terminal not authenticated
E3	Data could not be decrypted
EA	Account length error
EB	Check digit error
EC	CID format error
HV	Hierarchy verification failure
IA	Additional customer authentication required
K0	Token request was processed
K1	Tokenization Not Configured
K2	Terminal not authenticated
K3	Data could not be de-tokenized
N0	Force STIP
N3	Cash service is not available
N4	Cash request exceeds issuer limit
N5	Ineligible for re-submission
N7	Decline for CVV2 failure
N8	Transaction amount exceeds pre-authorized amount
P0	Approved; PVID is missing, invalid or expired
P1	Declined; PVID is missing, invalid or expired
P2	Invalid biller information
P5	PIN change unblock declined
P6	Unsafe PIN
R0	Customer requested stop of specific recurring payment
R1	Revocation of authorization order
R3	Revocation of all authorizations order
T0	First check is OK and has been converted
T1	Check is OK but cannot be converted - declined transaction
T2	Invalid ABA number, not an ACH participant
T3	Amount greater than the limit
T4	Unpaid items, failed negative file check
T5	Duplicate check number
T6	MICR error
T7	Too many checks (over merchant or bank limit)
V1	Failure VM
Q1	Card authentication failed
XA	Forward to issuer
XD	Forward to issuer
Z3	Unable to go online

Response Codes

Table of Contents

CVV Results

AVS Results

Gateway Response Codes

Bank (Issuer) Response Codes