4.41 Visa_STIP_Reason_Code

The Visa_STIP_Reason_Code field provides Visa’s reason codes for why an advice was generated. This information can be used to supplement the details returned in the Message_Why and Response_Source_Why fields of an advice message that originated from Visa.

The values supplied in this field are subject to change by Visa. We advise you not to configure your systems to make decisions based on this field.

Only some of the values below apply to the Thredd to Visa connection.

Definitions used below:

Issuer - means Thredd in this scenario
STIP – Visa’s STand-In Processing system
Switch – the Visa Network

Value	Action taken by Visa	Detailed reason (why action was taken)
9001	STIP processed transaction	Issuer is signed off [to Visa]
9002	STIP processed transaction	Issuer was signed off by Visa
9011	STIP processed transaction	Line [from] Visa to Issuer is down
9012	STIP processed transaction	Forced STIP because of N0 (Force STIP) original response from issuer
9020	STIP processed transaction	Response from Issuer timed out
9022	STIP processed transaction	PACM (Positive Authorisation Capacity Management) - diverted
9023	STIP processed transaction	PCAS (Positive Cardholder Authorisation Service) -diverted
9024	STIP processed transaction	Transaction declined due to Visa Payment Controls (VPC) rule
9025	STIP processed transaction	Declined by Selective Acceptance Service
9026	STIP processed transaction	Transaction reviewed by the Visa Transaction Advisor Service: additional authentication required.
9027	STIP processed transaction	Declined by token provisioning service
9030	STIP processed transaction	Based on the Issuer response, the account was either listed in the ASAF via the Auto-CDB Service or updated by the ASAF Downgrade feature.
9031	STIP processed transaction	Original processed in stand-in
9033	STIP processed transaction	Declined due to active account management threshold exceeded
9034	STIP processed transaction	Unable to deliver response to Acquirer
9035	STIP processed transaction	Process recurring payment in STIP
9037	STIP processed transaction	Declined by Visa CTC (Consumer Transaction Controls) service
9038	STIP processed transaction	Merchandise return authorization processed in STIP
9041	STIP processed transaction	There was a PIN verification error
9042	STIP processed transaction	Offline PIN authentication was interrupted
9045	STIP processed transaction	Switch was unable to translate the PIN
9047	STIP processed transaction	Declined by Real-Time Decisioning (RTD) processing
9048	STIP processed transaction	There is an invalid CVV with the All Respond Option
9054	STIP processed transaction	There is an invalid CAM [EMV ARQC invalid normally]
9063	STIP processed transaction	Transaction declined, processing requirements not met. This value is set by Visa when the value in field 39 is 96 and: • Transaction required to process in-country, but the in-country Visa system is unavailable, or, • Transaction not eligible to be processed by the in-country Visa System
9091	STIP processed transaction	Dispute financial
9095	STIP processed transaction	Issuer notification of token vault provisioned or status change
9050	STIP generated advice	Source or destination does not participate in this service
9061	Switch-Detected Error	There is an internal system error or other switch-detected error condition
9102	Switch-Generated Reversal Advice	Switch generated this 0420 reversal advice because an approval response could not be delivered to the acquirer. Visa Europe only
9103	Switch-Generated Reversal Advice	An approval response could not be delivered to the acquirer because the issuer timed out
9201	STIP Decline Advice	Decline due to PPCS (Stop recurring payment service)
9202	STIP Decline Advice	Decline due to issuer country exclusion list
9203	STIP Decline Advice	Decline due to Office of Foreign Assets Control (OFAC) embargo
9204	STIP Decline Advice	Cashback processing error
9205	STIP Decline Advice	Invalid CAVV with Visa Verify and decline options (V and W)
9206	STIP Decline Advice	Mod-10 check failure
9207	STIP Decline Advice	Issuer does not support gambling transactions
9208	STIP Decline Advice	Declined because issuing identifier and/or routing identifier is blocked
9209	STIP Decline Advice	Declined because issuer does not support transaction type
9210	STIP Decline Advice	Declined because of issuer participation options
9211	STIP Decline Advice	Declined because acquirer does not support the service requested
9212	STIP Decline Advice	Declined due to fraud condition
9213	STIP Decline Advice	Declined because call-out to an external service timed out
9214	STIP Decline Advice	Declined because of error return from call-out to external service
9215	STIP Decline Advice	Declined because issuer blocked specific POS entry mode
9218	STIP Decline Advice	Product subtype is MB (Interoperable mobile branchless) and business application identifier is not MP or business application identifier is MP and product subtype is not MB.
9219	STIP Decline Advice	Merchant Blocking Service Decline Reason Code
9302	STIP Decline Advice	Exceeds Settlement Risk Exposure Cap. This code appears in 0120 messages
Any other value	Unknown	Ignore this. Note: Visa may add other values at any time without prior warning, so you must ignore any values that you are not expecting.