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Transaction Response Codes

Below is a table of transaction response codes, the associated response message and a brief description of the error if applicable.

Code Message Apply To Description
A02000 transaction_approved Card, Terminal The transaction is approved
A02008 honour_with_identification Card, Terminal Honour with identification
A02010 approved_for_partial_amount Card, Terminal Approved for partial amount
A02011 approved_vip Terminal Approved vip
A02016 approved_update_track_3 Terminal Approved update track 3
Code Message Apply To Description
D10000 declined PayTo, PayID, Card, Terminal, Direct Debit Declined
D10001 target_account_invalid PayTo, PayID, Direct Debit Target account is invalid.
D10002 target_account_blocked PayTo, PayID, Direct Debit Target account is blocked due to fraud, sanctions etc or cannot accept credits due to account type.
D10003 from_account_closed PayTo, PayID From account is closed, Payment return cannot be made.
D10004 amount_invalid PayTo, PayID Unable to process the payment for the amount specified.
D10005 returned PayTo, PayID The target institution initially settled the funds, but has since returned them.
D10006 from_account_invalid PayTo, PayID Declined due to the source account being invalid.
D10007 target_account_closed PayTo, PayID, Direct Debit Declined payment due to target account being closed.
D10008 onboarding_not_complete PayTo Onboarding not complete.
D10009 downstream_error PayTo, Card Downstream error.
D10010 configuration_mismatch PayTo, Direct Debit Configuration mismatch.
D10011 target_account_unreachable_for_payto PayTo Target account unreachable for PayTo service.
D10012 target_account_unreachable_for_npp PayTo, PayID Target account unreachable for NPP service.
D10013 payid_invalid PayTo PayId is invalid.
D10014 target_account_unreachable_for_credits PayTo, PayID Account exists but does not support credits.
D10015 amount_below_minimum PayTo, PayID Specified transaction amount is less than agreed minimum.
D10016 amount_above_maximum PayTo, PayID, Direct Debit Transactions amount exceeds limits set by clearing system.
D10017 currency_invalid PayTo, PayID Where the currency cannot be applied to the specified account. The Interbank settlement Currency is not the AUD.
D10018 receiving_bank_unavailable PayTo, PayID Receiving bank is experiences problems. Client should retry for up to 8 hours before failing the payment and crediting the customers account.
D10019 amount_invalid_for_payment_agreement PayTo, PayID Provided amount was not defined in the payment agreement.
D10020 payment_agreement_max_transactions_exeeded PayTo, PayID Maximum transactions reached for the provided payment agreement.
D10021 payment_agreement_max_amount_exeeded PayTo, PayID The provided amount has reached the maximum amount for the provided payment agreement.
D10023 porting_unavailable PayTo, PayID Porting unavailable.
D10024 insufficient_funds PayTo, PayID, Card, Terminal, Direct Debit Insufficient funds.
D10025 transaction_cancelled Terminal The Terminal transaction was cancelled.
D10026 transaction_not_attempted Terminal The transaction was not attempted.
D10027 date_maximumtransaction_reached Direct Debit The date maximumtransaction is reached
D10028 payment_instrument_invalid Direct Debit The payment instrument is invalid
D10029 transaction_dishonoured_after_settlement Direct Debit The transaction dishonoured after settlement
D10030 payid_cancelled PayTo, PayID The PayId is cancelled.
D10100 internal_timeout PayTo, PayID, Card, Terminal, Direct Debit The service run out of time to process the request within the contractual time limit.
D10300 3ds_enroll_status_invalid Card The transaction is not in pending status or 3D Secure enrollment is failed.
D10301 3ds_verify_error Card The transaction is not passed 3DS authentication.
D04401 refer_to_issuer Card Refer to issuer
D04402 refer_to_issuer_special Card Refer to issuer special
D04403 no_merchant Card No merchant
D04404 pick_up_card Card Pick up card
D04405 do_not_honour Card, Terminal Do not honour
D04406 error Card, Terminal Error
D04407 pick_up_card_special Card Pick up card special
D04409 request_in_progress Card Request in progress
D04412 invalid_transaction Card The transaction is invalid
D04413 invalid_amount Card The amount is invalid
D04414 invalid_card_number Card The card number is invalid
D04415 no_issuer Card No issuer
D04417 3d_secure_error Card 3d secure error
D04419 re-enter_last_transaction Card Re-enter last transaction
D04420 invalid_response Card The response is invalid
D04421 no_action_taken Card No action taken
D04422 suspected_malfunction Card Suspected malfunction
D04423 unacceptable_transaction_fee Card Unacceptable transaction fee
D04424 file_update_not_supported by receiver Card File update not supported by receiver
D04425 unable_to_locate_record_on_file Card Unable to locate record on file
D04426 duplicate_file_update_record_old_record_replaced Card Duplicate file update record old record replaced
D04427 file_update_field_edit_error Card File update field edit error
D04428 file_update_file_locked_out Card File update file locked out
D04429 file_update_not_successful_contact_acquirer Card File update not successful contact acquirer
D04430 format_error Card Format error
D04431 bank_not_supported_by_switch Card Bank not supported by switch
D04432 completed_partially Card Completed partially
D04433 expired_card_capture Card Expired card capture
D04434 suspected_fraud_retain_card Card Suspected fraud retain card
D04435 card_acceptor_contact_acquirer_retain_card Card Card acceptor contact acquirer retain card
D04436 restricted_card_retain_card Card Restricted card retain card
D04437 contact_acquirer_security_department_retain_card Card Contact acquirer security department retain card
D04439 no_credit_account Card No credit account
D04440 requested_function_not_supported Card Requested function not supported
D04441 lost_card Card Lost card
D04442 no_universal_account Card No universal account
D04443 stolen_card Card Stolen card
D04444 no_investment_account Card No investment account
D04451 insufficient_funds Card Insufficient funds
D04452 no_checking_account Card No checking account
D04453 no_savings_account Card No savings account
D04454 expired_card Card Expired card
D04455 incorrect_personal_identification_number Card Incorrect personal identification number
D04456 no_card_record Card No card record
D04457 function_not_permitted_to_cardholder Card Function not permitted to cardholder
D04458 transaction_not_permitted_to_terminal Card Transaction not permitted to terminal
D04459 suspected_fraud Card Suspected fraud
D04460 acceptor_contact_acquirer Card Acceptor contact acquirer
D04461 exceeds_withdrawal_amount_limit Card Exceeds withdrawal amount limit
D04462 restricted_card Card Restricted card
D04463 security_violation Card Security violation
D04464 original_amount_incorrect Card Original amount incorrect
D04465 exceeds_withdrawal_frequency_limit Card Exceeds withdrawal frequency limit
D04466 acceptor_contact_acquirer_security Card Acceptor contact acquirer security
D04467 capture_card Card Capture card
D04468 response_received_too_late Card The response received too late
D04475 allowable_number_of_pin_tries_exceeded Card Allowable number of pin tries exceeded
D04482 cvv_validation_error Card Cvv validation error
D04490 cut_off_in_progress Card Cut off in progress
D04491 card_issuer_unavailable Card The card issuer is unavailable
D04492 unable_to_route_transaction Card Unable to route transaction
D04493 cannot_complete_violation_of_the_law Card Cannot complete violation of the law
D04494 duplicate_transaction Card Duplicate transaction
D04495 reconcile_error Card Reconcile error
D04496 system_error Card System error
D06154 insufficent_funds_available_for_refund Card Insufficent funds available for refund
D06172 apple_pay_token_data_required Card Apple Pay token data is required
D06173 apple_pay_token_signature_required Card Apple Pay token signature is required
D06174 apple_pay_token_version_number_is_not_supported Card Apple Pay token version number is not supported
D06175 apple_pay_token_header_required Card Apple Pay token header is required
D06176 apple_pay_token_ephemeral_publickey_required Card Apple Pay token ephemeral publickey is required
D06177 apple_pay_token_publickeyhash_required Card Apple Pay token publickeyhash is required
D06178 apple_pay_transaction_id_required Card Apple Pay transaction id is required
D06179 apple_pay_is_not_available_in_your_country Card Apple Pay is not available in your country
D06186 apple_pay_not_supported_by_gateway Card Apple Pay not supported by gateway
D06187 apple_pay_should_not_coexist_at_the_same_time Card Apple Pay should not coexist at the same time
D07025 apple_pay_unsupported_card_type Card Apple Pay unsupported card type
D07100 google_pay_is_not_supported_by_gateway Card Google Pay is not supported by gateway
D07101 google_pay_should_not_coexist_at_the_same_time Card Google Pay should not coexist at the same time
D07102 google_pay_intermediate_signing_key_required Card Google Pay intermediate signing key is required
D07103 google_pay_signature_required Card Google Pay signature is required
D07104 google_pay_version_number_is_not_supported Card Google Pay version number is not supported
D07105 google_pay_signed_message_required Card Google Pay signed message is required
D07106 google_pay_intermediate_signingkey_signedkey_required Card Google Pay intermediate signingkey signedkey is required
D07107 google_pay_intermediate_signingkey_signatures_required Card Google Pay intermediate signingkey signatures is required
D07109 google_pay_is_not_available_in_your_country Card Google Pay is not available in your country
D07110 google_pay_token_does_not_match_merchant Card Google Pay token does not match merchant
D07111 google_pay_token_has_expired Card Google Pay token has expired
D07112 google_pay_token_has_an_invalid_signingkey Card Google Pay token has an is invalid signingkey
D07113 google_pay_is_not_enable Card Google Pay is not enable
D07210 apple_pay_token_is_an_invalid_json_string Card Apple Pay token is an is invalid json string
D07211 google_pay_token_is_an_invalid_json_string Card Google Pay token is an is invalid json string