| Response Code |
|---|
| 1 | Approved The transaction was successfully approved. No further action required; proceed with order fulfillment. | Approved | Common | T0 |
| 2 | Declined The transaction was declined by the issuing bank or processor. Ask the customer to contact their bank or use a different payment method. | Declined | Common | T2 |
| 3 | Error A processing error occurred. Review the reason code (transactionResponse.messages.code) for more detail and retry or correct the request. | Error | Occasional | T0 |
| 4 | Held for Review The transaction has been held for manual review by the Advanced Fraud Detection Suite (AFDS). Merchant must review and approve or void it. | Processing | Occasional | T1 |
| Transaction Response Reason Code |
|---|
| 6 | Invalid Card Number The credit card number is invalid. Ask the customer to verify and re-enter the card number. | Error, Declined | Common | T0 |
| 7 | Invalid Expiration Date The credit card expiration date is invalid or formatted incorrectly. | Error, Declined | Common | T0 |
| 8 | Card Expired The credit card has expired. The customer must use a current, valid card. | Declined | Common | T3 |
| 9 | Invalid ABA Code The bank routing (ABA) number is invalid. Verify the routing number. | Error, Declined | Occasional | T0 |
| 10 | Invalid Account Number The bank account number is invalid. Have the customer verify their account number. | Error, Declined | Occasional | T0 |
| 11 | Duplicate Transaction A duplicate transaction was submitted within a short time window. Space out identical transaction attempts. | Error | Occasional | T0 |
| 17 | Card Type Not Accepted The merchant account does not accept this card type (e.g., Discover, Amex). Update accepted card types in the merchant settings. | Error, Declined | Occasional | T3 |
| 18 | ACH Not Accepted The merchant account is not configured to accept ACH/eCheck transactions. | Error | Occasional | T1 |
| 19 | Processing Error – Retry A general processing error occurred. Retry the transaction after a brief delay. | Error | Occasional | T0 |
| 27 | AVS Mismatch The transaction was declined because of an AVS mismatch. The address provided does not match the billing address of the cardholder. | Declined | Common | T0 |
| 36 | Settlement Failed The authorization was approved but settlement failed. Contact the processor. | Error | Rare | T1 |
| 41 | Decline – Fraud Filter Declined by the AFDS fraud filter. Review fraud settings or whitelist the transaction if legitimate. | Declined, Error | Occasional | T1 |
| 44 | CVV Decline The card security code (CVV2/CVC2) does not match. Ask the customer to re-enter the CVV code. | Declined | Common | T0 |
| 45 | AVS and CVV Mismatch Both the billing address and CVV failed verification. Consider blocking further attempts from this card. | Declined | Occasional | T0 |
| 47 | Settlement Amount Exceeds Auth The settlement amount is greater than the originally authorized amount. Adjust the capture amount. | Error | Occasional | T0 |
| 49 | Amount Exceeds Maximum The transaction amount exceeds the maximum allowed per-transaction limit. | Error, Declined | Occasional | T1 |
| 50 | Awaiting Settlement – Cannot Refund The transaction is awaiting settlement and cannot be refunded yet. Wait for settlement before issuing a refund. | Error | Occasional | T0 |
| 51 | Refund Exceeds Original The sum of all credits against this transaction is greater than the original transaction amount. | Error | Occasional | T0 |
| 52 | Authorized – Client Not Notified Transaction was authorized but the client could not be notified via relay response. It will not be settled. | Error | Rare | T1 |
| 53 | Invalid ACH Transaction Type The transaction type is not valid for ACH (eCheck) transactions. | Error | Occasional | T0 |
| 54 | Refund Criteria Not Met The referenced transaction does not meet the criteria for issuing a credit (e.g., it was declined or voided). | Error | Occasional | T0 |
| 55 | Refund Exceeds Original (Sum) The total of all credits against the referenced transaction would exceed the original debit amount. | Error | Occasional | T0 |
| 56 | Credit Cards Not Accepted The merchant does not accept credit card transactions. | Error | Rare | T3 |
| 57 | Processing Error (57–63) General processing errors (57–63). Retry the transaction or contact the processor. | Error | Occasional | T0 |
| 65 | CVV Mismatch – Velocity Transaction declined because the CVV did not match. Recommend verifying card details or using a different card. | Declined | Occasional | T0 |
| 66 | Cannot Accept Transaction The transaction cannot be accepted for processing at this time (e.g., velocity, compliance). | Error, Declined | Occasional | T1 |
| 78 | Invalid Card Code The card security code (CVV) submitted is invalid. | Error, Declined | Occasional | T0 |
| 90 | ACH Not Accepted (System) ACH transactions cannot be accepted on this system. | Error | Rare | T3 |
| 104 | Under Review – AFDS Transaction is under review by the fraud detection system. Merchant must manually approve or void. | Processing | Occasional | T1 |
| 105 | Under Review – IP Address Transaction flagged and held for review based on IP address criteria. | Processing | Occasional | T1 |
| 106 | Under Review – Shipping/Billing Mismatch Transaction held for review due to a mismatch between shipping and billing addresses. | Processing | Occasional | T1 |
| 107 | Under Review – Shipping Address Transaction flagged for review based on shipping address criteria. | Processing | Occasional | T1 |
| 108 | Under Review – Email Transaction held due to email address fraud filter trigger. | Processing | Occasional | T1 |
| 109 | Under Review – Authorized Amount Transaction held for review based on authorized amount thresholds. | Processing | Occasional | T1 |
| 110 | Under Review – Quantity Transaction held for review due to unusual item quantity. | Processing | Occasional | T1 |
| 127 | AVS Mismatch – Advanced Advanced AVS mismatch. Review and fine-tune AVS filters in the merchant account. | Declined | Occasional | T0 |
| 130 | Merchant Account Closed The merchant account has been closed and cannot process transactions. | Error | Rare | T1 |
| 141 | Decline – Fraud (AFDS) Transaction declined by the Advanced Fraud Detection Suite. Review fraud filter thresholds. | Declined, Error | Occasional | T1 |
| 145 | Decline – Fraud (AFDS + AVS/CVV) Declined by AFDS combined with AVS/CVV failure. High-risk indicator; do not retry. | Declined, Error | Occasional | T1 |
| 165 | Decline – Fraud (AFDS Override) Transaction declined due to AFDS override. Adjust fraud filter settings if this is a false positive. | Declined, Error | Rare | T1 |
| 191 | Decline – Velocity (AFDS) Transaction declined because velocity limits set in AFDS were exceeded. | Declined, Error | Occasional | T1 |
| 193 | Under Review – Recurring A recurring transaction is under review. Review before allowing settlement. | Processing | Occasional | T1 |
| 200 | Decline – Bank Code 200 Processor-level decline (code 200–224). These codes correspond to specific issuer-returned decline reasons such as do-not-honor, insufficient funds, or card restrictions. | Declined | Common | T2 |
| 237 | Referenced Transaction Expired The referenced transaction has expired and can no longer be used for a capture, void, or refund. | Error | Occasional | T0 |
| 243 | Recurring Not Allowed for eCheck Type Recurring billing is not allowed for the specified eCheck.Net type. | Error | Rare | T1 |
| 248 | Invalid Check Number The check number provided is invalid. | Error | Rare | T0 |
| 250 | Decline – AFDS IP Block Transaction declined due to a blocked IP address. Review IP blocking rules in AFDS. | Declined, Error | Occasional | T1 |
| 251 | Decline – AFDS Shipping Block Transaction declined due to a suspicious shipping address triggered by AFDS. | Declined, Error | Occasional | T1 |
| 252 | Accepted – Pending Review Order accepted but flagged for review. The transaction will settle unless the merchant voids it. | Approved, Processing | Occasional | T1 |
| 253 | Accepted – Under Review Order accepted and held for further review. Review and settle or void accordingly. | Approved, Processing | Occasional | T1 |
| 254 | Decline – AFDS Transaction Review Transaction declined after being reviewed in AFDS. Merchant should review fraud settings. | Declined, Error | Occasional | T1 |
| 295 | Partial Approval The prepaid or gift card was only partially approved. An additional payment is required to fulfill the balance. | Processing, Info | Occasional | T0 |
| 307 | Reversal Processed Successfully A void/reversal was processed successfully. No further action needed. | Approved | Occasional | T0 |
| 308 | Original Transaction Not Found for Reversal The original transaction referenced for reversal could not be found. | Error | Rare | T0 |
| 310 | Already Voided This transaction has already been voided and cannot be voided again. | Error | Occasional | T0 |
| 311 | Already Captured This transaction has already been captured and cannot be captured again. | Error | Occasional | T0 |
| 312 | Invalid Security Code The specified security code was invalid. Have the customer re-enter the CVV. | Declined | Occasional | T0 |
| 315 | Invalid Card Number (Duplicate Check) The credit card number is invalid (returned in the context of a 3DS or device-based submission). | Error, Declined | Occasional | T0 |
| 316 | Invalid Expiration (Duplicate Check) Credit card expiration date is invalid in a device-based submission. | Error, Declined | Occasional | T0 |
| 317 | Card Expired (Duplicate Check) The credit card has expired; returned in device or recurring payment contexts. | Declined | Occasional | T3 |
| 318 | Duplicate Transaction (Device) A duplicate transaction was submitted from a device integration. | Error | Occasional | T0 |
| 327 | Void Failed The void request failed because the original transaction type does not support void, or the transaction is in the process of settling. | Error | Occasional | T0 |
| 901 | System Maintenance The gateway cannot accept transactions due to system maintenance. Retry later. | Error | Rare | T0 |
| 2200 | Settlement Amount Mismatch The settlement amount must equal the originally authorized amount for this processor. Void and re-authorize if the amount changed. | Error | Occasional | T0 |
| API Message Code |
|---|
| E00001 | Processing Error An unexpected system error occurred. Retry the request. | Error | Occasional | T0 |
| E00005 | Invalid API Credentials The transaction key or API key is invalid or not present. Verify API credentials. | Error | Occasional | T1 |
| E00007 | Authentication Failed API user authentication failed due to invalid user name and/or transaction key. | Error | Occasional | T1 |
| E00008 | Inactive Account The payment gateway, reseller, or user account is not currently active. | Error | Rare | T1 |
| E00013 | Invalid Field One of the submitted field values is not valid. Review field validation rules. | Error | Common | T0 |
| E00014 | Missing Required Field A required field was not present in the request. | Error | Common | T0 |
| E00027 | Transaction Unsuccessful An approval was not returned for the transaction. | Error, Declined | Occasional | T2 |
| E00039 | Duplicate Record A duplicate customer profile, payment profile, or shipping address was already submitted. | Error | Occasional | T0 |
| E00040 | Record Not Found The customer profile ID, payment profile ID, or transaction ID is not valid for this merchant. | Error | Occasional | T0 |
| E00049 | Database Timeout The database operation timed out. Retry the request. | Error | Rare | T0 |
| E00053 | Server Too Busy The server is too busy to process the request. Retry after a delay. | Error | Rare | T0 |
| E00078 | Pending Status (Not Completed) The request is in a pending state and has not been completed yet. | Processing | Occasional | T0 |
| E00104 | Server in Maintenance The server is in maintenance; retry later. | Error | Rare | T0 |
| E00118 | Blocked IP Address The transaction was declined because it was submitted from a blocked IP address. | Declined, Error | Occasional | T1 |
| I00001 | Successful The API request was processed successfully. | Approved | Common | T0 |
| I00004 | No Records Found No records were found matching the query. | Info | Occasional | T0 |
USA
