During a transaction, the issuing bank sends a response to the Acquiring bank that then sends a response to Peach, those responses are either transactions successful or failed.
For a failed transaction, to obtain further information as to why a transaction failed, we would look at the Acquirer response thats mapped to a failure on Peach.
Example
Acquirer response - 33 = 800.100.157 in Peach, which refers to transaction declined (wrong expiry date) and at the issuing bank side - Expired card, pick-up
Response codes | |||
| Acquirer Response | PSP return code | PSP Status | PSP return code description |
| 00 | 000.000.000 | Transaction succeeded | Approved or completed successfully |
| 08 | 000.000.000 | Transaction succeeded | Honor with identification |
| 10 | 000.000.000 | Transaction succeeded | Approved, partial |
| 11 | 000.000.000 | Transaction succeeded | Approved, VIP |
| 16 | 000.000.000 | Transaction succeeded | Approved, update track 3 |
| 01 | 800.100.152 | transaction declined by the authorization system | Refer to the card issuer |
| 02 | 800.100.152 | transaction declined by the authorization system | Refer to the card issuer, special condition |
| 03 | 800.100.190 | transaction declined (invalid configuration data) | Invalid merchant |
| 04 | 800.100.171 | transaction declined (pick up card) | Pick-up card |
| 05 | 800.100.152 | transaction declined by the authorization system | Do not honor |
| 06 | 800.100.152 | transaction declined by the authorization system | Error |
| 07 | 800.100.171 | transaction declined (pick up card) | Pick-up card, special condition |
| 09 | 800.100.152 | transaction declined by the authorization system | Request in progress |
| 12 | 800.100.154 | transaction declined (transaction marked as invalid) | Invalid transaction |
| 13 | 800.100.174 | amount invalid | Invalid amount |
| 14 | 800.100.151 | transaction declined (invalid card) | Invalid card number |
| 15 | 800.100.152 | transaction declined by the authorization system | No such issuer |
| 17 | 800.100.152 | transaction declined by the authorization system | Customer cancellation |
| 18 | 800.100.152 | transaction declined by the authorization system | Customer dispute |
| 19 | 800.100.152 | transaction declined by the authorization system | Re-enter transaction |
| 20 | 800.100.152 | transaction declined by the authorization system | Invalid response |
| 21 | 800.100.152 | transaction declined by the authorization system | No action taken |
| 22 | 800.100.152 | transaction declined by the authorization system | Suspected malfunction |
| 23 | 800.100.152 | transaction declined by the authorization system | Unacceptable transaction fee |
| 24 | 800.100.152 | transaction declined by the authorization system | File update not supported |
| 25 | 800.100.167 | transaction declined (referencing transaction does not match) | Unable to locate the record |
| 26 | 800.100.152 | transaction declined by the authorization system | Duplicate record |
| 27 | 800.100.152 | transaction declined by the authorization system | File update field edit error |
| 28 | 800.100.152 | transaction declined by the authorization system | File update file locked |
| 29 | 800.100.152 | transaction declined by the authorization system | File update failed |
| 30 | 800.100.156 | transaction declined (format error) | Format error |
| 31 | 800.100.152 | transaction declined by the authorization system | Bank not supported |
| 32 | 800.100.152 | transaction declined by the authorization system | Completed partially |
| 33 | 800.100.157 | transaction declined (wrong expiry date) | Expired card, pick-up |
| 34 | 800.100.158 | transaction declined (suspecting manipulation) | Suspected fraud, pick-up |
| 35 | 800.100.152 | transaction declined by the authorization system | Contact acquirer, pick-up |
| 36 | 800.100.168 | transaction declined (restricted card) | Restricted card, pick-up |
| 37 | 800.100.152 | transaction declined by the authorization system | Call acquirer security, pick-up |
| 38 | 800.100.178 | transaction declined (PIN entered incorrectly too often) | PIN tries exceeded, pick-up |
| 39 | 800.100.152 | transaction declined by the authorization system | No credit account |
| 40 | 800.100.152 | transaction declined by the authorization system | Function not supported |
| 41 | 800.100.165 | transaction declined (card lost) | Lost card, pick-up |
| 42 | 800.100.152 | transaction declined by the authorization system | No universal account |
| 43 | 800.100.159 | transaction declined (stolen card) | Stolen card, pick-up |
| 44 | 800.100.152 | transaction declined by the authorization system | No investment account |
| 45 | 800.100.152 | transaction declined by the authorization system | Account closed |
| 46 | 800.100.152 | transaction declined by the authorization system | Identification required |
| 47 | 800.100.152 | transaction declined by the authorization system | Identification cross-check required |
| 51 | 800.100.155 | transaction declined (amount exceeds credit) | No sufficient funds |
| 52 | 800.100.152 | transaction declined by the authorization system | No checking account |
| 53 | 800.100.152 | transaction declined by the authorization system | No savings account |
| 54 | 800.100.157 | transaction declined (wrong expiry date) | Expired card |
| 55 | 800.100.166 | transaction declined (Incorrect personal identification number) | Incorrect PIN |
| 56 | 800.100.152 | transaction declined by the authorization system | No card record |
| 57 | 800.100.170 | transaction declined (transaction not permitted) | Transaction not permitted to cardholder |
| 58 | 800.100.170 | transaction declined (transaction not permitted) | Transaction not permitted on terminal |
| 59 | 800.100.158 | transaction declined (suspecting manipulation) | Suspected fraud |
| 60 | 800.100.152 | transaction declined by the authorization system | Contact acquirer |
| 61 | 800.100.162 | transaction declined (limit exceeded) | Exceeds withdrawal limit |
| 62 | 800.100.168 | transaction declined (restricted card) | Restricted card |
| 63 | 800.100.153 | transaction declined (invalid CVV) | Security violation |
| 64 | 800.100.152 | transaction declined by the authorization system | Original amount incorrect |
| 65 | 800.100.163 | transaction declined (maximum transaction frequency exceeded) | Exceeds withdrawal frequency |
| 66 | 800.100.152 | transaction declined by the authorization system | Call acquirer security |
| 67 | 800.100.160 | transaction declined (card blocked) | Hard capture |
| 68 | 900.100.400 | timeout at connectors/acquirer side | Response received too late |
| 69 | 900.100.400 | timeout at connectors/acquirer side | Advice received too late |
| 75 | 800.100.161 | transaction declined (too many invalid tries) | PIN tries exceeded |
| 77 | 800.100.152 | transaction declined by the authorization system | Intervene, bank approval required |
| 78 | 800.100.152 | transaction declined by the authorization system | Intervene, bank approval is required for a partial amount |
| 81 | 800.100.100 | transaction declined for an unknown reason | Transaction declined for an unknown reason |
| 90 | 800.100.152 | transaction declined by the authorization system | Cut-off in progress |
| 91 | 900.100.400 | timeout at connectors/acquirer side | Issuer or switch inoperative |
| 92 | 800.100.152 | transaction declined by the authorization system | Routing error |
| 93 | 800.100.152 | transaction declined by the authorization system | Violation of law |
| 94 | 800.110.100 | duplicate transaction | Duplicate transaction |
| 95 | 800.100.152 | transaction declined by the authorization system | Reconcile error |
| 96 | 900.100.600 | connector/acquirer currently down | System malfunction |
| 98 | 900.100.600 | connector/acquirer currently down | Exceeds cash limit |
| A1 | 800.100.152 | transaction declined by the authorization system | ATC not incremented |
| A2 | 800.100.152 | transaction declined by the authorization system | ATC limit exceeded |
| A3 | 800.100.152 | transaction declined by the authorization system | ATC configuration error |
| A4 | 800.100.152 | transaction declined by the authorization system | CVR check failure |
| A5 | 800.100.152 | transaction declined by the authorization system | CVR configuration error |
| A6 | 800.100.152 | transaction declined by the authorization system | TVR check failure |
| A7 | 800.100.152 | transaction declined by the authorization system | TVR configuration error |
| C0 | 800.100.152 | transaction declined by the authorization system | Unacceptable PIN |
| C1 | 800.100.152 | transaction declined by the authorization system | PIN Change failed |
| C2 | 800.100.152 | transaction declined by authorization system | PIN Unblock failed |
| D1 | 800.100.152 | transaction declined by the authorization system | MAC Error |
| E1 | 900.100.200 | error response from the connector/acquirer | Stored Value System Error |
| N1 | 800.100.163 | transaction declined (maximum transaction frequency exceeded) | The number of Transactions exceeded the max |
| N2 | 800.100.155 | transaction declined (amount exceeds credit) | Transaction Amount Exceeds max card value |
| N3 | 800.100.170 | transaction declined (transaction not permitted) | Partial Transactions Not Allowed |
| N4 | 800.100.162 | transaction declined (limit exceeded) | Card balance Negative or 0 |
| REVIEW | 000.400.000 | Transaction succeeded (please review manually due to fraud suspicion) | Review manually due to fraud detection |
| FAILED_UNEXPECTED_COMMUNICATION_ERROR | 900.100.100 | unexpected communication error with the connector/acquirer | Due to an unexpected communication error, the transaction was not set to the aquirer side |