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Response codes

To help you integrate to our payment gateway and understand why and how a payment has failed we provide the following response codes.

'V' is a validation error (e.g. invalid card number)
'D' is a decline
'R' is a referral (has to be treated as a decline)
'B' is a blocked transaction
'C' is a cancelled transaction (e.g. user pressed cancel on payment page)
'S' is a system error

These will be followed by a 3 digit code, the first digit is an internal code which can be ignored. The final two digits provide the details of the response code.

The list below is given as, for example, Vx01 which means it is the result for V101, V201, V301 etc.

Response Code Reason for Code
Vx01 Invalid merchant details
Vx02 Invalid expiry date
Vx03 Invalid start date
Vx04 Invalid issue number
Vx05 Invalid CVV
Vx06 Invalid card number
Vx07 Card holder name not set
Vx08 Insufficient address details
Vx09 Invalid country code
Vx10 Invalid cart ID
Vx11 Invalid email address
Vx12 Invalid phone number
Vx13 Invalid amount
Vx14 Invalid currency code
Vx15 Invalid customer IP
Vx16 Original trans not found
Vx17 Invalid merchant IP
Vx18 Unknown transaction type
Vx19 Card number changed
Vx20 Currency changed
Vx21 Original trans ref required
Vx22 Amount exceeds original
Vx23 Can not refund this type of transaction
Vx24 Amount changed
Vx25 User account details required
Vx26 Invalid request
Vx27 Original trans not pre-auth
Vx28 Transaction mode changed
Vx29 Card/Currency combination not supported
Vx30 Unknown card type
Vx31 Issue number required
Vx32 Issue number not required
Vx33 Duplicate transaction
Vx34 Unable to void transaction
Vx35 Original trans was not authospan>
Vx36 Invalid PIN
Vx37 Unknown transaction class
Vx38 Original transaction type does not match
Vx39 Card expired
Vx40 CVV Required
Vx41 Original transaction already settled
Vx42 Original transaction already cancelled
Vx43 This card does not support the required transaction type
Vx44 Transaction details do not match original
Vx52 3DS Not Enabled
Vx53 3DS Data Invalid
Vx54 Concurrent authorisations
Vx55 Invalid Funds Recipient Date (MCC 6012 Merchants)
Vx56 Terminal mismatch
Vx57 Transaction not allowed on this card
Vx58 Original transaction requires 3DS attempt/auth
Vx59 ECOM transactions require 3DS attempt/auth
Vx60 Verify for Amex card not supported
Vx61 Recurrence Flag usage invalid
Vx62 Initial Sale/Verify ARN missing for subsequent sale
Vx63 Initial Sale/Verify for subsequent sale not approved
Vx64 Initial transaction on card expired
Dx01 Non-specific decline
Dx02 Declined due to funds (insufficient/limit exceeded)
Dx03 Retain card response
Dx05 On our blacklist
Dx07 Live/test mismatch
Dx08 Refund: Insufficient merchant funds in account
Dx10 Card authorisation attempt limit reached
Dx11 Monthly Scheme Decline Rate limit reached
Dx40 Continuous Authority cancelled for the transaction
Dx41 Continuous Authorities cancelled for the merchant
Dx43 Continuous Authorities cancelled for the card
Dx44 Function not supported (Amex only)
Dx45 Incorrect CVV (Amex only)
Dx46 Incorrect Start Date (Amex only)
Dx47 Card Number Changed (Amex only)
Dx48 Invalid Currency Code (Amex only)
Dx90 Pre-Authorisation anti-fraud block
Dx91 Post-Authorisation anti-fraud block
Rx01 Referral
Ex01 Transaction error
Cx01 Transaction cancelled
Cx02 Transaction expired
Sx00 Invalid transaction Request
Sx01 Connection failure
Sx02 Invalid response
Sx03 Response timeout
Sx04 Server error
Sx05 Server error
Sx06 No response from issuer
Sx07 Service not available
Sx99 Unknown Error

Address Verification and CVV Check Response Codes

The CVV/AVS result is a 3 digit value, each digit representing a different check. The first value is the CVV check, the second is the address and the third is the postcode.

The possible values for each digit are as follows:

Response Code Meaning of the Code
0 Not Checked
1 Check was not available
2 Full match
3 Partial match
4 Not matched
5 Error

A partial match is only possible for the address or postcode data, not for CVV check.

Not all banks support all of these checks, in which case the results will be either 0 or 1.

Example Response CVV Check Response Address Verification Response Postcode Match Response
232 Full match Partial match Full match
400 Not matched Not checked Not Checked