ISO8583 Response Codes for Transaction processing
Posted on 29th Jan 2021 5770 views
List of ISO8583 Response Codes, description and use with Video guide of example in the ISO8583 Simulator . Video below
Wikipedia already has a very in-depth description of the ISO 8583 standard.
In this article, we will have a more business-driven approach, focusing on the items that are actually used by banks and Processors in real life.
ISO8583 v1987 - HISO87
The following table shows response codes and their meanings for ISO 8583-1987, later versions uses 3 and 4 digit response codes.
| Code | Description |
|---|---|
| 00 | Approved or completed successfully |
| 01 | Refer to card issuer |
| 02 | Refer to card issuer's special conditions |
| 03 | Invalid merchant |
| 04 | Pick-up |
| 05 | Do not honor |
| 06 | Error |
| 07 | Pick-up card, special condition |
| 08 | Honour with identification |
| 09 | Request in progress |
| 10 | Approved for partial amount |
| 11 | Approved (VIP) |
| 12 | Invalid transaction |
| 13 | Invalid amount |
| 14 | Invalid card number (no such number) |
| 15 | No such issuer |
| 16 | Approved, update track 3 |
| 17 | Customer cancellation |
| 18 | Customer dispute |
| 19 | Re-enter transaction |
| 20 | Invalid response |
| 21 | No action taken |
| 22 | Suspected malfunction |
| 23 | Unacceptable transaction fee |
| 24 | File update not supported by receiver |
| 25 | Unable to locate record on file |
| 26 | Duplicate file update record, old record replaced |
| 27 | File update field edit error |
| 28 | File update file locked out |
| 29 | File update not successful, contact acquirer |
| 30 | Format error |
| 31 | Bank not supported by switch |
| 32 | Completed partially |
| 33 | Expired card |
| 34 | Suspected fraud |
| 35 | Card acceptor contact acquirer |
| 36 | Restricted card |
| 37 | Card acceptor call acquirer security |
| 38 | Allowable PIN tries exceeded |
| 39 | No credit account |
| 40 | Requested function not supported |
| 41 | Lost card |
| 42 | No universal account |
| 43 | Stolen card, pick-up |
| 44 | No investment account |
| 45-50 | Reserved for ISO use |
| 51 | Not sufficient funds |
| 52 | No checking account |
| 53 | No savings account |
| 54 | Expired card |
| 55 | Incorrect personal identification number |
| 56 | No card record |
| 57 | Transaction not permitted to cardholder |
| 58 | Transaction not permitted to terminal |
| 59 | Suspected fraud |
| 60 | Card acceptor contact acquirer |
| 61 | Exceeds withdrawal amount limit |
| 62 | Restricted card |
| 63 | Security violation |
| 64 | Original amount incorrect |
| 65 | Exceeds withdrawal frequency limit |
| 66 | Card acceptor call acquirer's security department |
| 67 | Hard capture (requires that card be picked up at ATM) |
| 68 | Response received too late |
| 69-74 | Reserved for ISO use |
| 75 | Allowable number of PIN tries exceeded |
| 76-89 | Reserved for private use |
| 76-89 | Reserved for private use |
| 76-89 | Reserved for private use |
| 76-89 | Reserved for private use |
| 90 | Cutoff is in process
(switch ending a day's business and starting the next. Transaction can be sent again in a few minutes) |
| 91 | Issuer or switch is inoperative |
| 92 | Financial institution or intermediate network facility cannot be found for routing |
| 93 | Transaction cannot be completed. Violation of law |
| 94 | Duplicate transmission |
| 95 | Reconcile error |
| 96 | System malfunction |
| 97-99 | Reserved for national use |
| Zero A-9Z | Reserved for ISO use |
| A Zero-MZ | Reserved for national use |
| N Zero-ZZ | Reserved for private use |
ISO8583 v1993 - HISO93
| Code | Description |
|---|---|
| 000‑099 | Used in 1110, 1120, 1121, 1140 and 1210, 1220, 1221 and 1240 messages to indicate that the transaction has been approved. |
| 000 | approved |
| 001 | honour with identification |
| 002 | approved for partial amount |
| 003 | approved (VIP) |
| 004 | approved, update track 3 |
| 005 | approved, account type specified by card issuer |
| 006 | approved for partial amount, account type specified by card issuer |
| 007 | approved, update ICC |
| 008‑059 | reserved for ISO use |
| 060‑079 | reserved for national use |
| 080‑099 | reserved for private use |
| 100‑199 | Used in 1110, 1120, 1121, 1140 and 1210, 1220, 1221 and 1240 messages to indicate that the transaction has been processed for authorization by or on behalf of the card issuer and has been denied (not requiring a card pick-up) |
| 100 | do not honour |
| 101 | expired card |
| 102 | suspected fraud |
| 103 | card acceptor contact acquirer |
| 104 | restricted card |
| 105 | card acceptor call acquirer's security department |
| 106 | allowable PIN tries exceeded |
| 107 | refer to card issuer |
| 108 | refer to card issuer's special conditions |
| 109 | invalid merchant |
| 110 | invalid amount |
| 111 | invalid card number |
| 112 | PIN data required |
| 113 | unacceptable fee |
| 114 | no account of type requested |
| 115 | requested function not supported |
| 116 | not sufficient funds |
| 117 | incorrect PIN |
| 118 | no card record |
| 119 | transaction not permitted to cardholder |
| 120 | transaction not permitted to terminal |
| 121 | exceeds withdrawal amount limit |
| 122 | security violation |
| 123 | exceeds withdrawal frequency limit |
| 124 | violation of law |
| 125 | card not effective |
| 126 | invalid PIN block |
| 127 | PIN length error |
| 128 | PIN key synch error |
| 129 | suspected counterfeit card |
| 130‑159 | reserved for ISO use |
| 160‑179 | reserved for national use |
| 180‑199 | reserved for private use |
| 200‑299 | Used in 1110, 1120, 1121, 1140 and 1210, 1220, 1221 and 1240 messages to indicate that the transaction has been processed for authorization by or on behalf of the card issuer and has been denied requiring the card to be picked up. |
| 200 | do not honour |
| 201 | expired card |
| 202 | suspected fraud |
| 203 | card acceptor contact acquirer |
| 204 | restricted card |
| 205 | card acceptor call acquirer's security department |
| 206 | allowable PIN tries exceeded |
| 207 | special conditions |
| 208 | lost card |
| 209 | stolen card |
| 210 | suspected counterfeit card |
| 211‑259 | reserved for ISO use |
| 260‑279 | reserved for national use |
| 280‑299 | reserved for private use |
| 300‑399 | Used in 1314, 1324, 1325 and 1344 messages to indicate the result of the file action. |
| 300 | successful |
| 301 | not supported by receiver |
| 302 | unable to locate record on file |
| 303 | duplicate record, old record replaced |
| 304 | field edit error |
| 305 | file locked out |
| 306 | not successful |
| 307 | format error |
| 308 | duplicate, new record rejected |
| 309 | unknown file |
| 310‑359 | reserved for ISO use |
| 360‑379 | reserved for national use |
| 380‑399 | reserved for private use |
| 400‑499 | Used in 1430, 1432, 1440 and 1442 messages to indicate the result of the reversal or chargeback. |
| 400 | accepted |
| 401‑459 | reserved for ISO use |
| 460‑479 | reserved for national use |
| 480‑499 | reserved for private use |
| 500‑599 | Used in 1510, 1512, 1530 and 1532 messages to indicate the result of a reconciliation. |
| 500 | reconciled, in balance |
| 501 | reconciled, out of balance |
| 502 | amount not reconciled, totals provided |
| 503 | totals not available |
| 504 | not reconciled, totals provided |
| 505‑559 | reserved for ISO use |
| 560‑579 | reserved for national use |
| 580‑599 | reserved for private use |
| 600‑699 | Used in 1614, 1624, 1625, and 1644 messages |
| 600 | accepted |
| 601 | not able to trace back original transaction |
| 602 | invalid reference number |
| 603 | reference number/PAN incompatible |
| 604 | POS photograph is not available |
| 605 | item supplied |
| 606 | request cannot be fulfilled - required/requested documentation is not available |
| 607‑659 | reserved for ISO use |
| 660‑679 | reserved for national use |
| 680‑699 | reserved for private use |
| 700‑799 | Used in 1720, 1721, 1740, 1722, 1723 and 1742 messages. |
| 700 | accepted |
| 701‑749 | reserved for ISO use |
| 750‑769 | reserved for national use |
| 770‑799 | reserved for private use |
| 800‑899 | Used in 1814, 1824, 1825 and 1844 messages. |
| 800 | accepted |
| 801‑859 | reserved for ISO use |
| 860‑879 | reserved for national use |
| 880‑899 | reserved for private use |
| 900 | Advice acknowledged, no financial liability accepted |
| 901 | Advice acknowledged, financial liability accepted |
| 902‑949 | Used in request response and advice response messages to indicate transaction could not be processed. |
| 902 | invalid transaction |
| 903 | re-enter transaction |
| 904 | format error |
| 905 | acquirer not supported by switch |
| 906 | cutover in process |
| 907 | card issuer or switch inoperative |
| 908 | transaction destination cannot be found for routing |
| 909 | system malfunction |
| 910 | card issuer signed off |
| 911 | card issuer timed out |
| 912 | card issuer unavailable |
| 913 | duplicate transmission |
| 914 | not able to trace back to original transaction |
| 915 | reconciliation cutover or checkpoint error |
| 916 | MAC incorrect |
| 917 | MAC key sync error |
| 918 | No communication keys available for use |
| 919 | encryption key sync error |
| 920 | security software/hardware error - try again |
| 921 | security software/hardware error - no action |
| 922 | message number out of sequence |
| 923 | request in progress |
| 924‑929 | reserved for ISO use |
| 930‑939 | reserved for national use |
| 940‑949 | reserved for private use |
| 950‑999 | Used in advice response messages (1x3x) to indicate the reason for rejection of the transfer of financial liability. |
| 950 | violation of business arrangement |
| 951‑983 | reserved for ISO use |
| 984‑991 | reserved for national use |
| 992‑999 | reserved for private use |
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