Payment Errors Codes

Code	Title	Description
01	Refer To Card Issuer	The issuer refuses the transaction
03	Invalid Merchant Number	This error indicates that the entered details are incorrect or your merchant facility is non-functional
04	Pick Up Card	The transaction is declined by the issuing bank that requested to retain the card as it could be reported as lost or stolen
05	Do not honour	The issuing bank is unwilling to accept the transaction
06	Error	Error
12	Invalid Transaction	An error occurred while processing the card
13	Invalid Amount	Invalid amount
14	Invalid Card Number	The card issuing bank has declined the transaction because of an incorrectly entered credit card number or a number that doesn't exist
15	No Issuer	The customer's card issuer doesn't exist
22	Suspected Malfunction	The issuing bank is not responding during the transaction
30	Format Error	Format error
31	Bank Not Supported By Switch	The customer's bank has declined the transaction because it doesn't allow using the card for mail/telephone, fax, email, or internet orders
34	Suspected Fraud, Retain Card	The transaction is declined by the issuing bank as there is suspected fraud on this credit card number
37	Contact Acquirer Security Department	The customer's card issuer has declined the transaction and requested to retain your customer's card
41	Lost Card	The issuing bank has declined the transaction as the owner of the card reported it as lost or stolen
42	No Universal Account	The issuing bank declines the transaction as the account type is not valid for this card number
43	Stolen Card	The issuing bank has declined the transaction as the credit card owner has reported this card as stolen
49	The Card Was Declined	The customer's card issuer has declined the transaction as the credit card is not enabled for online transactions
51	Insufficient Funds	The transaction is denied by the issuing bank as there are not enough funds in the associated bank account to complete this payment, or the transaction will put the customer's credit card over the limit
54	Expired Card	The card is expired and no longer valid to use
56	No Card Record	The issuer declines the transaction, as the credit card number does not exist
57	Function Not Permitted To Cardholder	The issuing bank has declined the transaction as this card cannot be used for this type of transaction
58	Function Not Permitted To Terminal	The code appears when the card cannot be used for this type of transaction or when the merchant processing account is not correctly configured
59	Suspected Fraud	The issuer declined the transaction because it appeared fraudulent
61	Withdrawal Limit Exceeded	The issuer has declined the transaction because it will exceed the customer's card limit
62	Restricted Card	The card is invalid in a specific region or country, or the customer tried to pay online with a card that does not support your online payments
67	Capture Card	The issuing bank declined the transaction because the card is suspected to be counterfeit
91	Card Issuer Unavailable	There was a problem contacting the issuing bank to authorize the transaction
92	Unable To Route Transaction	The customer's card can't be found for routing, and the code is mainly used for a test credit card number.