Card Status Codes
Here is a table that presents possible card status codes you may encounter when sending card-centric requests:
Reason Column
Reason column shows which side stopped the transaction and who should be contacted to give more information about the source of problem.
Card Status Codes
| Card ResponseCode | Card ResponseCodeDesc | Reason | Additional Information | Public Communication |
|---|---|---|---|---|
000 | 000 - OK | Successful authorization. Funds were transferred to the recipient. | ||
S01 | S01 - Refer to card issuer | Bank | Authorization error. We are sorry, but your card's issuer rejected this transaction. If you would like to learn about the reason for this transaction to be rejected, please contact your bank. Please try again, choosing a different payment method. | |
S04 | S04 - Pickup card | Bank | Authorization error. We are sorry, but your card's issuer rejected this transaction. If you would like to learn about the reason for this transaction to be rejected, please contact your bank. Please try again, choosing a different payment method. | |
S05 | S05 - Do not honor | Bank | Ask your Customer to call the bank and clear up any problems that are causing the card to be declined. | Authorization error. We are sorry, but your card's issuer rejected this transaction. If you would like to learn about the reason for this transaction to be rejected, please contact your bank. Please try again, choosing a different payment method. |
S12 | S12 - Invalid transaction | Bank | No authorization. We are sorry, but your card's issuer rejected this transaction. Check if you can use your card to pay online or contact your bank. Please try again, choosing a different payment method. | |
S13 | S13 - Invalid amount | Bank | Currency conversion field overflow or amount exceeds maximum for Card program. | No authorization. We are sorry, but your card's issuer rejected this transaction. Check your card's limits or contact your bank. Please try again, choosing a different payment method. |
S30 | S30 - Message format error | Bank | Authorization error. We are sorry, but your card's issuer rejected this transaction. If you would like to learn about the reason for this transaction to be rejected, please contact your bank. Please try again, choosing a different payment method. | |
S43 | S43 - Pickup card (stolen card) | Bank | Authorization error. We are sorry, but your card's issuer rejected this transaction. If you would like to learn about the reason for this transaction to be rejected, please contact your bank. Please try again, choosing a different payment method. | |
S51 | S51 - Insufficient funds | Bank | Not enough funds or attempt to exceed limits (at the bank side). | Insufficient funds. Check funds available on your card or contact your bank. Please try again, choosing a different payment method. |
S54 | S54 - Expired card | Bank | Card is expired or Customer made a mistake giving card dates. | No authorization. We are sorry, but your card's issuer rejected this transaction. Check your card's expiration date or contact your bank. Please try again, choosing a different payment method. |
S57 | S57 - Card disabled for e-commerce or cross-border transactions | Bank | No authorization. We are sorry, but your card's issuer rejected this transaction. Check if you can use your card to pay online or contact your bank. Please try again, choosing a different payment method. | |
S61 | S61 - Exceeds approval amount | Bank | Attempt to exceed limits (at the bank side). | |
S62 | S62 - Restricted card / Country exclusion table | Bank | Authorization error. We are sorry, but your card's issuer rejected this transaction. If you would like to learn about the reason for this transaction to be rejected, please contact your bank. Please try again, choosing a different payment method. | |
S65 | S65 - Exceeds withdrawal frequency limit. | Bank | Attempt (bank side) to exceed the limit. | Authorization error. We are sorry, but your card's issuer rejected this transaction. If you would like to learn about the reason for this transaction to be rejected, please contact your bank. Please try again, choosing a different payment method. |
S90 | S90 - Destination not available | Bank | Authorization error. We are sorry, but your card's issuer rejected this transaction. If you would like to learn about the reason for this transaction to be rejected, please contact your bank. Please try again, choosing a different payment method. | |
S93 | S93 - Card disabled for e-commerce transactions | Bank | ||
S99 | S99 - authorization error – default | Bank | Authorization error. We are sorry, but your card's issuer rejected this transaction. If you would like to learn about the reason for this transaction to be rejected, please contact your bank. Please try again, choosing a different payment method. | |
SN0 | SN0 - Unable to authorize / Force STIP | Bank | Authorization error. We are sorry, but your card's issuer rejected this transaction. If you would like to learn about the reason for this transaction to be rejected, please contact your bank. Please try again, choosing a different payment method. | |
SSD | SSD - Soft decline (strong authentication required) | Bank | Payment can be retried, but 3DS authentication must be used. | Authorization error. We are sorry, but your card's issuer rejected this transaction. If you would like to learn about the reason for this transaction to be rejected, please contact your bank. Please try again, choosing a different payment method. |
ST3 | ST3 - Card not supported | Bank | Authorization error. We are sorry, but your card's issuer rejected this transaction. If you would like to learn about the reason for this transaction to be rejected, please contact your bank. Please try again, choosing a different payment method. | |
ST5 | ST5 - Card inactive or closed (updated information needed) | Bank | Payment can be retried, but card data needs to be updated (e.g. expiry date). | Authorization error. We are sorry, but your card's issuer rejected this transaction. If you would like to learn about the reason for this transaction to be rejected, please contact your bank. Please try again, choosing a different payment method. |
ST8 | ST8 - Invalid account | Bank | No authorization. We are sorry, but your card's issuer rejected this transaction. Check if you can use your card to pay online or contact your bank. Please try again, choosing a different payment method. | |
SIN | SIN - No such issuer | Bank | No authorization. We are sorry, but your card's issuer rejected this transaction. Check if you can use your card to pay online or contact your bank. Please try again, choosing a different payment method. | |
SP1 | SP1 - Over daily limit (try again later) | Bank | Payment can be retried, preferrably after 24 hours. | Authorization error. We are sorry, but your card's issuer rejected this transaction. If you would like to learn about the reason for this transaction to be rejected, please contact your bank. Please try again, choosing a different payment method. |
SAC | SAC - Account closed (do not try again) | Bank | Payment must not be retried, all further attempts will be declined. | Authorization error. We are sorry, but your card's issuer rejected this transaction. If you would like to learn about the reason for this transaction to be rejected, please contact your bank. Please try again, choosing a different payment method. |
SPF | SPF - Possible fraud (do not try again) | Bank | Payment must not be retried, all further attempts will be declined. | Authorization error. We are sorry, but your card's issuer rejected this transaction. If you would like to learn about the reason for this transaction to be rejected, please contact your bank. Please try again, choosing a different payment method. |
SP9 | SP9 - Enter lesser amount | Bank | No authorization. We are sorry, but your card's issuer rejected this transaction. Check your card's limits or contact your bank. Please try again, choosing a different payment method. | |
114 | 114 - 3ds authentication error (global) | PayU | Incorrect 3DS result (default configuration). | No authorization. Your card's issuer did not confirm the transaction. Please try again. |
115 | 115 - 3ds authentication error (company) | PayU | Incorrect 3DS result (company configuration). | No authorization. Your card's issuer did not confirm the transaction. Please try again. |
116 | 116 - 3ds authentication error (merchant) | PayU | Incorrect 3DS result (merchant configuration). | No authorization. Your card's issuer did not confirm the transaction. Please try again. |
117 | 117 - 3ds authentication error (fallback) | PayU | Incorrect 3DS result (fallback configuration). | No authorization. Your card's issuer did not confirm the transaction. Please try again. |
120 | 120 - 3ds processing error | PayU | Error during 3DS processing. | No authorization. Your card's issuer did not confirm the transaction. Please try again. |
123 | 123 - Missing cryptogram for Network Token's authorization. | Visa/Mastercard | Authorization error. We are sorry, but the attempt to confirm this transaction took too long. Please try again. | |
130 | 130 - Non-compliant prepaid card | PayU | Card recognized as not compliant with AMLD5. | No authorization. We are sorry, but this card is not accepted within the European Economic Area. Please try again, choosing a different payment method. |
131 | 131 - Credit card not allowed for debt merchants | PayU | Card recognized as not allowed for this transaction. | No authorization. We are sorry, but credit card cannot be used to repay debt. Please try again, choosing a different payment method. |
132 | 132 - Issuer will never approve | PayU | Card recognized as not allowed for this transaction. | No authorization. We are sorry, but your card's issuer rejected this transaction. Please, do not attempt to pay with this card again. Select a different payment method and try again. |
222 | 222 - Transaction not received by merchant | Merchant | Merchant has not received transaction; status possible when auto-receive option is off. | |
001, 002, 003, 004, 005, 110, 111, 112, 113, 121, 122, 221, 223, 998, 999 | different messages | PayU | Contact PayU for details | Authorization error. We are sorry, but the attempt to confirm this transaction took too long. Please try again. |