Result codes

Address Verification Service (AVS)

Address Verification Service (AVS) is a service provided by the payment brands that determines the match or partial match of the consumer's address information. Below is a table of AVS response codes and their descriptions.

Code	Description	Visa	Mastercard
A	Address matches, zip code does not match.	✅	✅
B	Address matches, postal code does not match (foreign card).	✅	-
C	Address and postal code do not match (foreign card).	✅	-
D	Address and postal code match (foreign card).	✅	-
E	Ineligible transaction or message contains content error.	✅	-
F	Address and postal code match (UK only).	✅	-
G	Address and postal code verification not supported by card issuer (foreign card).	✅	-
I	Address not verified (foreign card).	✅	-
M	Address and postal code match (foreign card).	✅	-
N	Neither address nor ZIP code matches.	✅	✅
P	Postal code matches, address does not match (foreign card).	✅	-
R	System unavailable or timed out. Retry.	✅	✅
S	Card issuer does not support address verification system.	✅	✅
U	Address information is unavailable (domestic).	✅	✅
W	9-digit ZIP code matches, address does not match.	✅	✅
X	Address and 9-digit ZIP code match.	✅	✅
Y	Address and 5-digit ZIP code match.	✅	✅
Z	5-digit ZIP code matches, address does not.	✅	✅

Card Verification Value (CVV)

The table below explains the card verification value (CVV) response codes that you might receive when you are carrying out a CVV check or verifying a card.

Code	Description
M	Card verification value matches.
N	Card verification value does not match or is invalid.
P	Card verification value not processed.
U	Issuer not registered. Issuer has not certified for CVV or issuer has not provided Visa with the CVV encryption keys.
S	Issuer indicates that CVV data should be present on the card, but the merchant has indicated data is not present on the card.

Merchant Advice Code (MAC)

The Merchant Advice Code (MAC) is a Mastercard-specific code that provides more details about a response:

• The reason for approving or declining a transaction.
• The actions merchants can take to continue to serve their customers.

Code	Description	Recommended merchant action
01	New account information available.	Retry allowed only after credentials refresh.
02	Cannot approve at this time, try again later.	Wait 24 hours before resubmitting the authorization request.
03	Do not try again.	Do not retry.
04	Token requirements not fulfilled for this token type.	Retry allowed only after token correction.
05	Negotiated value not approved.	Do not retry only after parameters correction.
21	Recurring payment cancelled.	Do not retry.
22	Merchant does not qualify for product code.	Do not retry.
24	Indicate insufficient funds.	Retry after 1 hour (Mastercard use only).
25	Indicate insufficient funds.	Retry after 24 hours (Mastercard use only).
26	Indicate insufficient funds.	Retry after 2 days (Mastercard use only).
27	Indicate insufficient funds.	Retry after 4 days (Mastercard use only).
28	Indicate insufficient funds.	Retry after 6 days (Mastercard use only).
29	Indicate insufficient funds.	Retry after 8 days (Mastercard use only).
30	Indicate insufficient funds.	Retry after 10 days (Mastercard use only).
40	Consumer non-reloadable prepaid card.	Do not retry.
41	Consumer single-use virtual card number.	Do not retry.
42	Sanctions scoring service.	Do not retry.
43	Consumer multi-use virtual card number.	Retry allowed, depending on issuer response.

note

For further information about retries, see authorization retry strategies.

Scheme response codes

The scheme response code returned by Mastercard or Visa during authorization provides the definitive outcome and specific reason for approving or declining a transaction.

Mastercard

Scheme response code	Description
00	Approved or completed successfully
01	Refer to card issuer
03	Invalid merchant
04	Capture card
05	Do not honor
08	Honor with ID
10	Partial Approval
12	Invalid transaction
13	Invalid amount
14	Invalid card number
15	Invalid issuer
30	Format error
41	Lost card
43	Stolen card
51	Insufficient funds/over credit limit
54	Expired card
55	Invalid PIN
57	Transaction not permitted to issuer/cardholder
58	Transaction not permitted to acquirer/terminal
61	Exceeds withdrawal amount limit
62	Restricted card
63	Security violation
65	Exceeds withdrawal count limit
70	Contact Card Issuer
71	PIN Not Changed
75	Allowable number of PIN tries exceeded
76	Invalid/nonexistent "To Account" specified
77	Invalid/nonexistent "From Account" specified
78	Invalid/nonexistent account specified (general)
79	Life cycle (Mastercard use only)
80	System not available
81	Domestic Debit Transaction Not Allowed (Regional use only)
82	Policy (Mastercard use only)
83	Fraud/Security (Mastercard use only)
84	Invalid Authorization Life Cycle
85	Not declined
86	PIN Validation not possible
87	Purchase Amount Only, No Cash Back Allowed
88	Cryptographic failure
89	Unacceptable PIN - Transaction Declined - Retry
90	Cutoff is in progress
91	Authorization System or issuer system inoperative
92	Unable to route transaction
94	Duplication transaction detected
96	System error
1Z	Authorization System or issuer system inoperative

Visa

Scheme response code	Description
00	Approved and completed successfully
01	Refer to card issuer
02	Refer to card issuer, special condition
03	Invalid merchant
04	Pick up card (no fraud)
05	Do not honor
06	Error
07	Pick up card, special condition (fraud account)
10	Partial approval
11	Approved (V.I.P)
12	Invalid transaction
13	Invalid amount or currency conversion field overflow
14	Invalid account number (no such number)
15	No such issuer
19	Re-enter transaction
21	No action taken
25	Unable to locate record in file
28	File temporarily not available for update or inquiry
39	No credit account
41	Lost card, pick up (fraud account)
43	Stolen card, pick up (fraud account)
46	Closed account
51	Not sufficient funds
52	No checking account
53	No savings account
54	Expired card or expiration date is missing
55	Incorrect PIN or PIN missing
57	Transaction not permitted to cardholder
58	Transaction not allowed at terminal
59	Suspected fraud
61	Exceeds approval amount limit
62	Restricted card (card invalid in this region or country)
63	Security violation (source is not correct issuer)
64	Transaction does not fulfill AML requirement
65	Exceeds withdrawal frequency limit
70	PIN data required
74	Different value than that used for PIN encryption errors
75	Allowable number of PIN entry tries exceeded
76	Unsolicited reversal
78	"Blocked, first used" - Transaction from new cardholder, and card not properly unblocked
79	Already reversed (by Switch)
80	No financial impact
81	Cryptographic error found in PIN
82	Negative CAM, dCVV, iCVV, or CVV results
85	No reason to decline a request for address verification, CVV2 verification, or a credit voucher or merchandise return
86	Cannot verify PIN; for example, no PVV
89	Ineligible to receive financial position information (GIV)
91	Issuer or switch inoperative and STIP not applicable or not available for this transaction; Time-out when no stand-in; POS Check Service: Destination unavailable; Credit Voucher and Merchandise Return Authorizations: V.I.P. sent the transaction to the issuer, but the issuer was unavailable.
92	Financial institution or intermediate network facility cannot be found for routing (receiving institution ID is invalid)
93	Transaction cannot be completed - violation of law
94	Request is identified as a duplicate
96	System malfunction
1A	Additional customer authentication required
6P	Verification data failed
B1	Surcharge amount not permitted on Visa cards or EBT food stamps (U.S. acquirers only)
B2	Surcharge amount not supported by debit network issuer.
N0	Force STIP
N3	Cash service not available
N4	Cash request exceeds issuer or approved limit
N5	Ineligible for resubmission
N7	Decline for CVV2 failure
N8	Transaction amount exceeds preauthorized approval amount
P5	Denied PIN unblock - PIN change or unblock request declined by issuer
P6	Denied PIN change - requested PIN unsafe
Q1	Card Authentication failed
R0	Stop this Payment
R1	Stop all future Payments
R2	Transaction does not qualify for Visa PIN
R3	Stop all Merchants
Z3	Unable to go online; offline-declined
5C	Transaction not supported/blocked by issuer
9G	Blocked by cardholder/contact cardholder

Response code category

The Response code category is a Visa-specific category based on the response code of the scheme that provides more details about a response. It indicates the actions merchants can take to continue serving their customers.

Response code category	Description	Recommended merchant action
issuer_will_never_approve	Indicates a permanent condition that cannot be fixed by the merchant.	Do not retry with the same credential. Request an alternative payment method or contact the cardholder.
issuer_cannot_approve_this_time	Indicates the issuer may approve the request in the future but cannot do so at the time of the request.	Retry allowed. Limit reattempts and consider retrying at a later time or after customer action.
revalidate_data_before_reattempt	Indicates the issuer may approve the request in the future but cannot do so at the time of the request.	Correct the transaction data (e.g. expiry date, CVV, authentication) before retrying.
generic_issuer_decline	Indicates data quality issues in which invalid payment or authentication data has been provided and that the issuer will approve the transaction if valid information is provided.	Retry permitted, but outcome uncertain. Avoid excessive retries.

note

For further information about retries, see authorization retry strategies.