Response Code Object Messages

The values in the Message column of the table below are possible text values in response_code_objects in the Auth API 3.0 webhook payload.

"response_code_objects": {
    "75": [
        "PIN retry count limit reached"
    ],
    "57": [
        "Card is frozen",
        "Load transactions not allowed"
    ]
}

Your program will not encounter all of the values in the Messages column. Some of the values represent edge cases, and some of the messages may be deprecated.

Account and card statuses

See Account and card status response codes on the Authorization Status Codes page for the codes that correspond to account and card statuses.

📘
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.

How to read this table

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.

STAR	Discover	Pulse	Mastercard	Visa	Default	Message
					00*	Success
				05	01	Refer to issuer
				05	02	Refer to issuer special
					03	Invalid merchant
					04	Pick up card
				03	05	Invalid MCC in DE18
					05	Do not honor
				82	05	Transaction indicated EMV entry type but missing EMV tags
				82	05	EMV transaction missing data needed for validation
				82	05	EMV TVR indicated cardholder verification not successful
			12		—	Mexico only. Point of sale does not support MSI Installments, or the loan terms are invalid.
			82	57	—	EMV Authorization Request Cryptogram (ARQC) validation failure.
				5C	—	EMV fallback declined for Canadian program
				19	05	Invalid date format in DE14
			51	78	05	The funding account is in delinquent status (with RTF)
				82	05	ATM withdrawal transaction and no CVV1 present
				82	05	Magnetic stripe transaction and no CVV1 present
				82	05	missing CV1, validation failed
				82	05	validation failed (CV1 or CV3)
				82	05	cvv validation failed
				82	05	validation failed. (reason)
				82	05	missing CV3, validation failed
				86	05	Error performing PIN update
				86	05	Verification of current PIN failed during PIN update
				5C	05	Card status is bad (Checks if the card status is good and the account is active and account status is 'N' and checks freeze)
				5C	05	Account transfer transactions not supported
				5C	05	Card service code not configured for product
				5C	05	Tokenized transactions blocked for account
				5C	05	Token not present when required for Card Present transactions
				5C	05	Only tokenized transaction allowed for account
				5C	05	Card tokenization not allowed based on age of card holder and wallet provider configuration
				5C	05	Card tokenization not allowed based on type
				5C	05	Tokenization blocked by product
				5C	05	Tokenization attempt declined
				5C	05	Card tokenized more than 3 times in a month
				5C	05	Card tokenized more than 5 times in 6 months
				5C	05	Wallet account score denied tokenization attempt
				5C	05	Account unable to make transfer
				5C	05	Device score validation failed during tokenization attempt
				5C	05	Device score denied tokenization attempt
				5C	05	Product only allows transactions for full balance amount
				5C	05	3D Secure validation failed
				5C	05	Transaction amount not equal to full balance for CF product
				5C	05	Product does not allow partner response to drive balance negative
				5C	05	Partner response error during authorization
				5C	05	Partial amount provided by client via the Auth API was greater than requested amount and client does not support partial transactions
				5C	05	Declining this transaction without further processing.
				5C	05	Auth type not supported in STIP
				N0	05	Zero standin requested
			63	N7	05	CVV2 validation failed
				N7	05	CVV2 validation failed during tokenization attempt
				N7	05	Received non-numeric CVV2
					05	Product missing configuration needed to tokenize card (IPCID not set)
					05	Wallet decision denied tokenization
					05	Client configured Red Path for manually entered PAN number
					05	Rejecting account status inquiry
					05	Surcharge amount not permitted
					05	Surcharge amount not supported
				N0	05	Force STIP (Stand-In Processing)
					05	Cash request exceeds issuer or approved limit
				N7	05	CVV2 data mismatch
					05	Revocation of all authorizations order
					05	SoFi Tech Solutions internal timeout
					05	Ineligible resubmission
					05	Transaction amount exceeds preauth amount
					05	Stop payment order
					05	Revocation of authorization order
			05	05	—	Offline declined
			05	05	—	Offline approved
			05		—	Unable to go online; offline approved
			05		—	Unable to go online; offline declined
				05	—	Fleet card transaction missing DE48
				05	—	Fleet card transaction not allowed
					06	Error, `MCBase.override_error_list` remaps `06` to `05` unless MTI is 0400/0420
				06	—	Error during key exchange with Visa (MTI 0800 message error)
		06			—	Error during key exchange with Pulse
			96		—	Error during key exchange with Mastercard
					10*	Partial approval of transaction amount
		T7			—	Transaction partial approval includes cashback
					11*	VIP approval
					12	Invalid transaction
			12		—	Technical fallback from chip is not allowed
					13	Invalid amount
					13	Requested amount would push otb > than the max system amount
					13	Requested amount is larger than maxsystem amount
	13	13			—	Zero amount transaction not allowed
				5C	—	Transaction not supported
					14	Invalid PAN.
				19	30	Received badly formatted transaction track data
					30	Format error
					39	No credit account found for an ATM balance inquiry.
				46	41	Lost, pick up.
				46	43	Stolen, pick up.
					51	NSF
					51	Non-sufficient funds and not a force post
					51	Non-sufficient funds during recheck after auth API response
					51	Product configured to deny partial approval requests with insufficient funds
					51	Corporate funding credit limit exceeded
					51	Transaction amount would drive balance negative and is not a force post
			51		—	Card is in `status: Q` (delinquent credit).
					54	Card expiration date mismatch
					54	Card is expired using stored date
					54	Card expiration date mismatch using date in DE14
					54	Card is expired using date in DE14
					54	Card track data is expired
					55	Invalid PIN
					55	Error validating PIN, no stored PVV value on file
					55	PIN verification failed
				05	—	Transaction does not qualify for Visa PIN
					55	EMV CVR indicated offline PIN validation failed
				5C	57	Transaction not permitted
				62	57	Point-of-Sale transactions are blocked for country
				62	57	Point-of-Sale transactions are blocked for country or 59 if IGACT is set
				62	57	Card-not-present transactions are not allowed in country (account doesn't have CNP enabled) or 59 if IGACT is set
				62	57	Failed to get blocked currency or 59 if IGACT is set
				62	57	Card-not-present transactions are blocked in (OFAC) country (cnp_block being equal to "Y".)
62			62	78	57	Card is frozen
				82	57	Error during EMV ARQC validation
				82	57	EMV ARQC cryptogram validation Failed
				82	57	9F27 is 0, 1, or 3 for a Mexico Transaction
				96	57	Error processing load transaction (system error)
			03	5C	57	MCC not allowed by account
			03	5C	57	MCC not allowed by product
			03	5C	57	MCC not allowed by `prod_mcc_blocklist`
				5C	57	Product configured to block PIN transactions
				5C	57	Load transactions not allowed
				5C	57	Unsupported processing code in DE3
				5C	57	Product configured to deny recurring transactions
				5C	57	Account blocks the given merchant ID
				5C	57	Foreign transactions not allowed
				5C	57	Acquiring merchant blocked by product
				5C	57	Balance Inquiry is not supported for spending account
				5C	57	ATM transaction without a PIN present
				5C	57	EMV transactions not allowed for product
				5C	57	EMV transaction data missing tag 9F26
				5C	57	EMV transaction missing tag (tag)
				5C	57	EMV error when validating ATC or UN
				5C	57	Installments are not allowed
				5C	57	Declining second transaction attempt
				N3	57	ATM transactions are blocked for account
				N3	57	Cash Advance transactions are blocked for account
				N3	57	Product configured to deny cashback transactions
				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
				62	59	Point-of-Sale transactions are blocked for country or 59 [for Visa] if IGACT is set
				62	59	Point-of-Sale transactions are blocked for country or 59 [for Visa] if IGACT is set
				62	59	Failed to get blocked currency or 59 [for Visa] if IGACT is set
				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
					61	Amount after upcharge exceeds transaction limit
					61	Load limit violated
					61	Limit violation. Amount exceeds account limit
					61	Limit violation. Amount exceeds product limit
					62	Restricted card
					63	Security violation
					65	Exceeds count limit
					65	Limit violation. Count exceeds account limit
					65	Limit violation. Count exceeds product limit
					72	Account not yet activated
					75	PIN exceeds count
					75	EMV TVR indicated PIN try limit exceeded
					75	PIN is locked due to too many retry attempts
					75	PIN retry count limit reached
			TB	TB	—	Unsafe PIN
	39	39		39	77	Credit account not found
	52	52		52	77	Checking account not found
	53	53		53	77	Savings account not found
				Z5	—	Valid account, amount unsupported
				Z5	—	Anticipated amount greater than available funds
					77	Invalid from account
					78	Invalid account
					78	Transaction cannot be authorized for invalid account (spending account and funding-account info is not found)
					78	Transaction cannot be authorized for invalid account (spending account and funding account is not active or not in `N` or `Q`)
					78	Transaction cannot be authorized for invalid account (is funding account)
					78	Unable to get funding account for the spending account [xid=] (is spending account but funding account is not found) check for delinquent
					78	Exception error message (unable to calculate available funds in funding account)
					87	Point-of-Sale Partial Approval
					85*	AVS only
					85	Wallet decision to require additional verification
					85	Wallet decision requires further verification
					85	Client configured Yellow Path for manually entered PAN number
					85	Wallet reason codes require additional verification
					85*	AVS requested to verify account (account in good standing)
					85	Non-sufficient funds during recheck after auth API response (ATM Issuer Fee Inquiry to be rolled back)
					85*	Successful PIN update (PIN management system)
					86	Cannot Verify PIN
					87*	Point-of-Sale Partial Approval
					88	Cryptographic failure
					89	Unacceptable PIN
					91	System inoperative
					91	Transaction timed out waiting to be processed
					91	Issuer system inoperative (no response to Auth API and APIFB != Y and SIRAF=Y)
					94	Duplicate transaction
					96	System error
					96	Generic error while processing transaction
					T7	Cash-back request exceeds available amount (partial)


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