Authorization Response Codes

The authorization response code is a value that the card issuer sends to the merchant to indicate whether the authorization request was approved or denied as well as the reason for the denial. This value is present in DE039.

The response code is available in these sources:

response_code field:
- Authorization Events API webhooks
- Auth API
AUTHORIZATION RESPONSE field:
- Authorized Transactions RDF
- Posted Transactions RDF

Allpoint codes

Allpoint uses 3-digit response codes, which are listed in this table.

Auth API 3.0 messages

The values in the Message column are a subset of the possible text explanations in response_code_objects in the Auth API 3.0 webhook payload. To see an expanded set, consult the Response Code Object Messages page.

How to read this table

When the transaction is denied, the deny_code is available in transaction-related Program API responses and the CST.

Codes marked with an asterisk (*) are approval codes. All other codes are deny codes.
Where a cell is empty for a network column, it means SoFi Tech Solutions sends the Default value.
Where a cell in the Default column contains a dash (—), it means that only the networks with codes present use that message.

📘
Note
This table presents the most likely response code given the particular (error) message. However, the response codes that SoFi Tech Solutions sends back to the merchant can vary depending on your back-end settings as well as the particularities of some transaction types.

STAR	Discover	Pulse	Mastercard	Visa	Default	Message
					00*	Success. Authorization request approved.
				05	01	Issuer error.
					03	Invalid merchant
			46	46	04	Pick up card. Card status is `R` or `Z`.
				03	05	Invalid MCC in DE18. Does not conform to ISO 18245.
					05	Do not honor. This is the default deny code when other deny codes do not apply. For mobile-wallet provisioning it means red path. For AVS-only checks it means the card is not in active status.
				82	05	EMV transaction missing data needed for validation
			82	57	—	EMV Authorization Request Cryptogram (ARQC) validation failure.
				5C	—	EMV fallback declined for Canadian program
				19	05	Invalid date format in DE14
				82	05	CVV1 check failure (CAM, dCVV, iCVV, CVV, CAVV, dcVV2, TAVV, or DTVV results)
			63	N7	05	CVV2 validation failure
				5C	05	Account transfer transactions not supported
				5C	05	Card service code not configured for product
				5C	05	Tokenized transaction failure or not permitted.
				5C	05	3D Secure validation failed
				5C	05	Declining this transaction without further processing.
				5C	05	Auth type not supported in STIP
				N0	05	Zero standin requested or force STIP
					05	Product missing configuration needed to tokenize card (IPCID not set)
					05	Account status inquiry denied
				05	—	Fleet card transaction error
					10*	Partial approval of transaction amount
		T7			—	Transaction partial approval includes cashback
					11*	Authorization entry generated by SoFi Tech Solutions for a settlement that doesn't have a matching authorization. Visible in the RDFs only. Not used by the Auth API or Events API. Not returned to the merchant.
					12	Invalid transaction
			12		—	Mexico only. Point of sale does not support MSI Installments, or the loan terms are invalid.
					13	Invalid amount
					14	Invalid PAN. This PAN does not exist in the system. Transactions with this response are not passed to the Auth API or included in the RDFs or Program API responses. You can get a list of these attempted transactions in the Bad PAN Authorizations RDF.
				19	30	Received badly formatted transaction track data
					30	Format error
				46	41	Lost, pick up. The card has been reported lost and is in `status: L` (lost) or `status: A` (lost, waiting for sufficient funds). The merchant should retain the card if possible and return it to the issuer.
				46	43	Stolen, pick up. The card has been reported stolen and is in `status: S` (stolen). The merchant should retain the card if possible and return it to the issuer.
					51	Non-sufficient funds and not a force post
					54	Card expired or expiry date mismatch. The card's expiry date has passed, or the value provided by the merchant does not match the value on record.
					55	Invalid PIN, including offline PIN
					57	Transaction not permitted by product settings. See Transaction type validation for details.
				62	57	Point-of-Sale or card-not-present transactions are blocked for country
62			62	78	57	Card is frozen
				82	57	Error during EMV ARQC validation
				96	57	Error processing load transaction (system error)
			03	5C	57	MCC not allowed by account, product, or MCC blocklist
					57	Card status is bad or account is in bad standing. See Account and card status response codes for details.
				N3	57	Cash service not available
				62	57	Transaction involves the usage of a country currency code that violates OFAC
			63	59	05	Suspected fraud
				59	—	Transaction risk score too high (>= BRSGE)
		59			—	Risk score is greater than or equal to BRSPU param or 999
			63		—	Transaction risk score too high (>= BRSMC)
					61	Exceeds amount limit
					63	Security violation
					65	Exceeds count limit
					72	Account not yet activated
					75	PIN retry count limit reached
	39	39		39	77	Credit account not found
	52	52		52	77	Checking account not found
	53	53		53	77	Savings account not found
					77	Invalid From account
					78	Invalid account
					87*	Point-of-sale partial approval: purchase only, not cashback
					85	Tokenization request requires additional verification
					85*	AVS requested to verify account (account in good standing)
					86	Cannot verify PIN
					88	Cryptographic failure
					89	Unacceptable PIN
					91	System inoperative
					94	Duplicate transaction
					96	System error

Account and card status response codes

In most cases, a card or account that is not in status: N (normal, active) results in response code 05 (do not honor). However, Mastercard and Visa prefer to use different codes to provide more granular information.

📘
Note
In some cases, the response code is different for account and card statuses. For example, for card status: C, the default is response_code: 57, whereas for account status: C, the default is response_code: 05. If both account and card are in the same status, SoFi Tech Solutions returns the value for the card status.

Card status	Account status	Description	Default	Visa	Mastercard
A		Lost card waiting for sufficient funds	05	5C
B		Blocked	05	5C
C		Card canceled	57	78	46
	C	Account canceled	05	46	46
D		Card disabled	05	78	78
	D	Account disabled	05	5C
	F	Failed ID verification	05	5C
	K	Suspended	05	5C
L		Lost card	41	46
	M	Moved to new program	05	5C
N	N	Active (normal)	00	00
O		Operations hold	05	5C
	P	Passed ID verification	05	5C
Q	Q	Delinquent	05	78	51
	Q	Funding account delinquent	05	5C
R		Card charged off	04	78	78
	R	Account charged off	05	5C
S		Stolen card	43	46
	T	ID verification in process	05	5C
	U	Upgraded	05	5C
V		Card voided	05	78	78
	V	Application submitted	05	5C	72
W		Waiting for payment	05	72	78
	W	Waiting to be processed	05	5C	72
X		Set to emboss	05	78	72
Y		Shipped/Ready to Activate	05	78	72
Z		Card canceled without refund	04	78	46
	Z	Account canceled without refund	05	46	46
	d	Bankruptcy discharged	05	5C
	e	Bankruptcy dismissed	05	5C
	f	Bankruptcy filed	05	5C


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Allpoint response codes

The following numbering scheme is used for Allpoint response codes:

0xx — Authorization approved
1xx — Authorization denied
2xx — Authorization denied
4xx — Reversal actions
6xx — Administrative actions
8xx — Network management actions
9xx — Error response actions

Code	Description
000	Approved
001	Approved with identification
002	Approved for partial amount
003	Approved (VIP)
100	Do not honor (general denial)
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 condition
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 (invalid transaction)
116	Insufficient 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 or load/deposit amount limit
122	Security violation
123	Exceeds withdrawal limit frequency
124	Violation of law
126	Invalid PIN block
127	PIN length error
128	PIN key synchronization error (sanity error)
129	Suspected counterfeit card
130	Transaction failed OFAC check
131	Check not acceptable
138	Incorrect configuration (custom; not for general use)
159	Suspected fraud (custom; not for general use)
180	Limit exceeded due to cash back amount
181	Enter lesser amount
182	Institution not supported by switch
183	Balances not available for inquiry
184	Resubmission in violation of network rules
185	Stop payment on check (shared branch only)
200	Do not honor
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	Invalid card number
214	No account of type requested
216	Insufficient funds
217	Incorrect PIN
400	Accepted
600	Accepted
601	Not able to trace back to original transaction
800	Accepted
880	Key change rejected—check value mismatch
881	Key change rejected—local system problem
882	Key change request rejected—key change in progress
883	Declined—incorrect institution identifier
900	Accepted
907	Card issuer or switch inoperative
908	Transaction destination cannot be found for routing
909	System malfunction


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