4.30 Resp_Code_DE39 Values

This field is provided in Mastercard 0120 (authorisation advice), 0400 (reversal request) and 0420 (reversal advice) messages to indicate the reason for the advice or reversal, which is sent to Thredd by the Card Scheme (Network). For more details, see Get Transaction Message fields: Resp_Code_DE39.

For details of authorisation response status codes that is sent to Thredd through EHI, see ResponseStatus Values. For card status codes, see Card Status Codes.

 

Code	Reason for Advice or Reversal
06	Error.
17	Customer cancellation. This code is also used for reversals where other reasons in this section do not apply. For example, if doing an EMV contact transaction and the card returns an AAC (decline) after receiving an approve response from the Issuer, this code is used. This code is also normally used if the terminal decides to reverse a transaction from the Issuer, where the Issuer approved it (but additionally stated that some authentication data such as Address or CVV2 was incorrect.)
32	Partial reversal.
34	Suspected fraud.
68	Response received too late.
82	Timeout from network to issuer. Visa/Mastercard was unable to send the original 0100 message to Thredd.

 

4.30.1 Code values that explain the reason for the advice

Below is a list of other codes values in the Resp_Code_DE39 field which can be used to explain the reason for the advice:

• For an 0120 advice, this indicates the response that was originally sent to the terminal.

• For an 0400 advice or 0420 reversal, this code is what was used in the original 0110 acquirer response, and does not provide information on why the reversal was created.

 

Code	Description	Action
00	All good	Approve
01	Refer to card issuer	Refer
03	Invalid merchant	Decline
04	Capture card	Decline and Pickup card
05	Do not honour	Decline
06	Unspecified error	Decline
08	Honor with identification	Approve
10	Partial approval	Approve
12	Invalid transaction	Decline
13	Invalid amount	Decline
14	Invalid card number (no such number)	Decline
15	Unable to route at IEM (Issuer's Europay Module). Card Scheme network cannot connect to Thredd.	Decline
30	Format error	Decline
41	Lost card (Capture)	Decline and Pickup card
43	Stolen card (Capture)	Decline and Pickup card
46	Account closed	Decline
51	Insufficient funds	Decline
54	Expired card	Decline
55	Incorrect PIN	Decline
57	Transaction not permitted to cardholder	Decline
58	Transaction not permitted to terminal	Decline
59	Suspected fraud	Decline
61	Exceeds withdrawal amount limit.	Decline
62	Restricted card (e.g. card invalid in region or country)	Decline
63	Security violation	Decline
65	Exceeds withdrawal frequency limit	Decline
70	Cardholder to contact issuer	Decline
71	PIN not changed	Decline
72	Account not yet activated	Decline
75	Allowable number of PIN tries exceeded	Decline
76	Wrong PIN, allowable number of PIN tries exceeded	Decline
77	Issuer does not participate in the service	Decline
78	Card is not active (including created but not yet activated)	Decline
79	Unacceptable PIN – Transaction declined. Retry.	Decline
81	Domestic debit transaction not allowed	Decline
85	Approved (used for some non-financial transactions such as a PIN Unblock request)	Approve
86	PIN validation not possible	Decline
87	Purchase amount only. No Cashback allowed.	Approve
88	Cryptographic failure	Decline
89	Authentication failure	Decline
91	Issuer or switch is inoperative	Decline
92	Unable to Route Transaction (to Issuer or EHI)	Decline
94	Duplicate transmission	Decline
96	System malfunction	Decline

4.30.2 Using the Resp_Code_DE39 value in your response to Thredd

When declining a transaction, you must respond with a valid decline reason; we recommend that you use the same response code as received in the Resp_Code_DE39 field. You should avoid declining with the generic response code 05 - Do not honour.

The decline reason should be provided in the ResponseStatus field of your EHI message response. See GetTransaction Message Fields.