Error codes for card-present transactions

March 12, 2025

Here are the common errors in card-present transactions and how to resolve them

HTTP Status codes

Below, we present the most common HTTP status codes, their associated standard messages, and a description of the response.

Here are the codes you might receive.

Code	Message	Detail
200	OK	The process was successful; it worked as expected, according to the HTTP method.
400	Bad Request	The server cannot interpret the request (incorrect syntax, too large size, missing parameters).
401	Authorization Required	The credentials must be authenticated, or authentication failed.
403	Forbidden	You do not have the necessary permissions to perform this action.
404	Not Found	Resource or page not found.
409	Conflict	The request cannot be processed due to a conflict with the resource (e.g., multiple simultaneous updates).
410	Gone	The requested resource has been deleted from the server and will no longer be available.
412	Precondition failed	It indicates that access to the target resource has been denied.
429	Too Many Requests	Too many requests have been sent in a short period of time.
430	Request Header Fields Too Large	This status code indicates that the server is unwilling to process the request because its header fields are too large.
500	Internal Server Error	An unexpected error occurred on the server.
502	Bad Gateway	The server (acting as a proxy or gateway) received an invalid response from the upstream server.
503	Service Temporarily Unavailable	The server is not available (usually because it is undergoing maintenance or because it is overloaded).
504	Gateway Timeout	The server (acting as a proxy or gateway) did not receive a timely response from the other server.

Codes returned by Kushki in card-present transactions

The response codes received from processors and issuers will appear in thekushki_response object, as shown in the following example.

“kushki_response": {
        "code": "01",
        "message": "Refer to card issuer"
    },

Error 006

This error code appears when Kushki blocks the card, for example if the brand is not supported.

"kushki_response": {
        "code": "006",
        "message": "Card brand not supported"
    },

In case this code comes from the Card franchises (Visa, Mastercard or Prosa (Mexico), it will have two digits. Below you will find the most common response codes, including declinations:

ISO Error Code	Description	Source
00	Approved or completed successfully	Visa, Mastercard, Prosa
01	Refer to card issuer	Visa, Mastercard, Prosa
02	Refer to card issuer, special condition	Visa, Prosa
03	Invalid merchant	Visa, Mastercard, Prosa
04	Pick up card (no fraud)	Visa, Mastercard, Prosa
05	Do not honor	Visa, Mastercard, Prosa
06	Error	Visa, Prosa
07	Pick up card, special condition (fraud account)	Visa, Prosa
08	Honor with ID	Mastercard
09	Request in progress (duplicate)	Prosa
10	Partial Approval	Visa, Mastercard, Prosa
11	Approved (VIP)	Visa, Prosa
12	Invalid transaction	Visa, Mastercard, Prosa
13	Invalid amount	Visa, Mastercard, Prosa
14	Invalid card number	Visa, Mastercard, Prosa
15	Invalid issuer	Visa, Mastercard, Prosa
19	Re-enter transaction	Visa
21	No action taken	Visa
22	Suspected malfunction	Prosa
25	Unable to locate record in file	Visa
28	File is temporarily unavailable for update or inquiry	Visa
30	Format error	Visa, Mastercard, Prosa
31	Bank not supported by switch	Prosa
33	Expired card	Prosa
34	Suspected fraud	Prosa
35	Card acceptor contact acquirer	Prosa
36	Restricted card	Prosa
37	Card acceptor call acquirer security	Prosa
38	Allowable PIN tries exceeded	Prosa
39	No credit account	Visa, Prosa
40	Command rejected	Prosa
41	Lost card	Visa, Mastercard, Prosa
43	Stolen card	Visa, Mastercard, Prosa
46	Closed account	Visa
51	Insufficient funds/over credit limit	Visa, Mastercard, Prosa
52	No checking account	Visa
53	No savings account	Visa
54	Expired card or expiration date missing	Visa, Mastercard, Prosa
55	Invalid PIN	Visa, Mastercard, Prosa
56	No card record	Prosa
57	Transaction not permitted to issuer/cardholder	Visa, Mastercard, Prosa
58	Transaction not permitted to acquirer/terminal	Visa, Mastercard, Prosa
59	Suspected fraud	Visa
61	Exceeds withdrawal amount limit	Visa, Mastercard, Prosa
62	Restricted card	Visa, Mastercard, Prosa
63	Security violation	Visa, Mastercard
64	Transaction does not fulfill AML requirement	Visa
65	Exceeds withdrawal count limit	Visa, Mastercard, Prosa
68	Response received too late	Prosa
70	PIN data required	Visa
71	Issuer PIN Not Changed	Mastercard
74	Different value than that used for PIN encryption errors	Visa
75	Allowable number of PIN-entry tries exceeded	Visa, Mastercard, Prosa
76	Unsolicited reversal	Visa, Mastercard, Prosa
77	Invalid/nonexistent ‘From Account’ specified	Mastercard
78	Blocked, first used or special condition	Visa, Mastercard
79	Reversed (by switch)	Visa
80	No financial impact	Visa
81	Cryptographic error	Visa, Mastercard, Prosa
82	Policy / Negative online authentication failure	Visa, Mastercard, Prosa
83	Fraud/Security	Mastercard
84	Invalid Authorization Life Cycle	Mastercard
85	Not declined, valid for all zero amount transactions	Visa, Mastercard
86	Cannot verify PIN	Visa, Mastercard
87	Purchase Amount Only, No Cash Back Allowed	Mastercard
88	Cryptographic failure	Mastercard
89	Unacceptable PIN	Mastercard
91	Authorization System or issuer system inoperative	Visa, Mastercard, Prosa
92	Unable to route transaction	Visa, Mastercard, Prosa
93	Transaction cannot be completed—violation of law	Visa
94	Duplicate transmission detected	Visa, Mastercard, Prosa
95	Reconcile error	Prosa
96	System error	Visa, Mastercard, Prosa
N0	Force STIP / Unable to authorize	Visa, Prosa
N3	Cash service not available	Visa, Prosa
N4	Cash request exceeds issuer or approved limit	Visa
N7	Decline for CVV2 failure	Visa, Prosa
N8	Transaction amount exceeds pre-authorized approval amount	Visa
R0	Stop payment order	Visa, Prosa
R1	Revocation of authorization order	Visa, Prosa
R2	Transaction does not qualify for Visa PIN	Visa, Prosa
R3	Revocation of all authorizations order	Visa
Z3	Unable to go online; offline-declined	Visa

Response codes returned by Kushki for cancellations and reversal attempts

The response codes received from processors and issuers will appear in the kushki_response object, as shown in the following example.

"kushki_response": {
        "code": "01",
        "message": "Refer to card issuer"
    },

Below you will find information on the codes and messages sent by Kushki to describe the response codes for requests made with card-present transactions. In the “What to Do?” column, you will find a detailed explanation of the causes and the procedure you should follow.

Code	Message	Detail
000	Approved Transaction	Indicates that the transaction was successfully approved.
01	Refer to card issuer	The cardholder should contact their card issuer to understand why the transaction was declined.
04	Capture card	The cardholder should try the transaction again.
05	Do not honor	The cardholder should try the transaction again.
12	Invalid transaction	The transaction is not allowed by the payment processor or the card issuer. Please contact the card issuer.
32	Expired card	The cardholder should use an alternative card.
41	Lost card	The cardholder should contact their card issuer to review the case.
57	Transaction not permitted to cardholder	The cardholder should contact their card issuer to review the case.
62	Restricted card	The cardholder should contact their card issuer to review the case.
91	Authorization System or issuer system inoperative )	The cardholder should try the transaction again.
92	Unable to route transaction	The cardholder should try again or contact the issuer.
6P	Verification data failed	Retry the transaction.
E016	Refund not available	Check that the refund is within the allowed timeframe.

Test Data

Make any necessary adjustments to your system using the test data.