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
Code | Description |
|---|---|
| 000 | Approved |
| 001 | Honor with identification |
| 002 | Approved for a partial amount |
| 003 | Approved (VIP) |
| 004 | Approved, update track 3 |
| 005 | Approved, account type specified by the card issuer |
| 006 | Approved for a partial amount, account type specified by the card issuer |
| 007 | Approved, update ICC |
| 100 | Do not honor |
| 101 | Expired card |
| 102 | Suspected fraud |
| 103 | Card acceptor contact the acquirer |
| 104 | Restricted card |
| 105 | Card acceptor call the acquirer's security department |
| 106 | Allowable PIN tries exceeded |
| 107 | Refer to the card issuer |
| 108 | Refer to the card issuer's special conditions |
| 109 | Invalid merchant |
| 110 | Invalid amount |
| 111 | Invalid card number |
| 112 | PIN data required |
| 113 | Unacceptable fee |
| 114 | No account of the type requested |
| 115 | Requested function is not supported |
| 116 | Not sufficient funds |
| 117 | Incorrect PIN |
| 118 | No card record |
| 119 | Transaction not permitted to cardholder |
| 120 | Transaction not permitted to terminal |
| 121 | Exceeds withdrawal amount limit |
| 122 | Security violation |
| 123 | Exceeds withdrawal frequency limit |
| 124 | Violation of law |
| 125 | Card not effective |
| 126 | Invalid PIN block |
| 127 | PIN length error |
| 128 | PIN key synch error |
| 129 | Suspected counterfeit card |
| 200 | Do not honor |
| 201 | Expired card |
| 202 | Suspected fraud |
| 203 | Card acceptor contact the acquirer |
| 204 | Restricted card |
| 205 | Card acceptor call the acquirer's security department |
| 206 | Allowable PIN tries exceeded |
| 207 | Special conditions |
| 208 | Lost card |
| 209 | Stolen card |
| 210 | Suspected counterfeit card |
| 300 | Successful |
| 301 | Not supported by the receiver |
| 302 | Unable to locate the record on file |
| 303 | Duplicate record, old record replaced |
| 304 | Field edit error |
| 305 | File locked out |
| 306 | Not successful |
| 307 | Format error |
| 308 | Duplicate, new record rejected |
| 309 | Unknown file |
| 400 | Accepted |
| 500 | Reconciled, in balance |
| 501 | Reconciled, out of balance |
| 502 | Amount not reconciled, totals provided |
| 503 | Totals not available |
| 504 | Not reconciled, totals provided |
| 600 | Accepted |
| 601 | Not able to trace back the original transaction |
| 602 | Invalid reference number |
| 603 | Reference number/PAN incompatible |
| 604 | POS photograph is not available |
| 605 | Item supplied |
| 606 | Request cannot be fulfilled -required/requested documentation is not available |
| 700 | Accepted |
| 800 | Accepted |
| 900 | Advice acknowledged, no financial liability accepted |
| 901 | Advice acknowledged, financial liability accepted |
| 902 | Invalid transaction |
| 903 | Re-enter transaction |
| 904 | Format error |
| 905 | Acquirer not supported by the switch |
| 906 | Cutover in process |
| 907 | Card issuer or switch inoperative |
| 908 | Transaction destination cannot be found for routing |
| 909 | System malfunction |
| 910 | Card issuer signed off |
| 911 | Card issuer timed out |
| 912 | Card issuer unavailable |
| 913 | Duplicate transmission |
| 914 | Not able to trace back to the original transaction |
| 915 | Reconciliation cutover or checkpoint error |
| 916 | MAC incorrect |
| 917 | MAC key sync error |
| 918 | No communication keys available for use |
| 919 | Encryption key sync error |
| 920 | Security software/hardware error - try again |
| 921 | Security software/hardware error - no action |
| 922 | Message number out of sequence |
| 923 | Request in progress |
| 950 | Violation of business arrangement |
Additional Acquirer responses
Bank Error Codes
| 01 | Refer to card issuer | Transaction failed, please contact your bank |
| 02 | Refer to card issuer, special condition | Transaction failed, please contact your bank |
| 03 | Invalid merchant | Transaction failed, please contact your bank |
| 04 | Pick-up card | Transaction failed, please contact your bank |
| 05 | Do not honor | Transaction failed, please contact your bank |
| 06 | Error | Transaction failed, please contact your bank |
| 07 | Pick-up card, special condition | Transaction failed, please contact your bank |
| 08 | Honor with identification | Transaction failed, please contact your bank |
| 09 | Request in progress | Transaction failed, please contact your bank |
| 10 | Approved, partial | Transaction failed, please contact your bank |
| 11 | Approved, VIP | Transaction failed, please contact your bank |
| 12 | Invalid transaction | Transaction failed, please contact your bank |
| 13 | Invalid amount | Transaction failed, please contact your bank |
| 14 | Invalid card number | Transaction failed, please contact your bank |
| 15 | No such issuer | Transaction failed, please contact your bank |
| 16 | Approved, update track 3 | Transaction failed, please contact your bank |
| 17 | Customer cancellation | Transaction failed, please contact your bank |
| 18 | Customer dispute | Transaction failed, please contact your bank |
| 19 | Re-enter transaction | Transaction failed, please contact your bank |
| 20 | Invalid response | Transaction failed, please contact your bank |
| 21 | No action taken | Transaction failed, please contact your bank |
| 22 | Suspected malfunction | Transaction failed, please contact your bank |
| 23 | Unacceptable transaction fee | Transaction failed, please contact your bank |
| 24 | File update not supported | Transaction failed, please contact your bank |
| 25 | Unable to locate record | Transaction failed, please contact your bank |
| 26 | Duplicate record | Transaction failed, please contact your bank |
| 27 | File update edit error | Transaction failed, please contact your bank |
| 28 | File update file locked | Transaction failed, please contact your bank |
| 29 | File update failed | Transaction failed, please contact your bank |
| 30 | Format error | Transaction failed, please contact your bank |
| 31 | Bank not supported | Transaction failed, please contact your bank |
| 32 | Completed partially | Transaction failed, please contact your bank |
| 33 | Expired card, pick-up | Transaction failed, please contact your bank |
| 34 | Suspected fraud, pick-up | Transaction failed, please contact your bank |
| 35 | Contact acquirer, pick-up | Transaction failed, please contact your bank |
| 36 | Restricted card, pick-up | Transaction failed, please contact your bank |
| 37 | Call acquirer security, pick-up | Transaction failed, please contact your bank |
| 38 | PIN tries exceeded, pick-up | Transaction failed, please contact your bank |
| 39 | No credit account | Transaction failed, please contact your bank |
| 40 | Function not supported | Transaction failed, please contact your bank |
| 41 | Lost card | Transaction failed, please contact your bank |
| 42 | No universal account | Transaction failed, please contact your bank |
| 43 | Stolen card | Transaction failed, please contact your bank |
| 44 | No investment account | Transaction failed, please contact your bank |
| 45 | “Account closed” | Transaction failed, please contact your bank |
| 46 | Reserved for client-specific use (declined) | Transaction failed, please contact your bank |
| 47 | “Reserved for client-specific use (declined) “ | Transaction failed, please contact your bank |
| 48 | “Reserved for client-specific use (declined)” | Transaction failed, please contact your bank |
| 49 | “Reserved for client-specific use (declined)” | Transaction failed, please contact your bank |
| 50 | “Reserved for client-specific use (declined)” | Transaction failed, please contact your bank |
| 51 | Insufficient funds | Transaction failed, please contact your bank |
| 52 | No check account | Transaction failed, please contact your bank |
| 53 | No savings account | Transaction failed, please contact your bank |
| 54 | Expired card | Transaction failed, please contact your bank |
| 55 | Incorrect PIN | Transaction failed, please contact your bank |
| 56 | No card record | Transaction failed, please contact your bank |
| 57 | Transaction not permitted to cardholder | Transaction failed, please contact your bank |
| 58 | Transaction not permitted on terminal | Transaction failed, please contact your bank |
| 59 | Suspected fraud | Transaction failed, please contact your bank |
| 60 | Contact acquirer | Transaction failed, please contact your bank |
| 61 | Exceeds withdrawal limit | Transaction failed, please contact your bank |
| 62 | Restricted card | Transaction failed, please contact your bank |
| 63 | Security violation | Transaction failed, please contact your bank |
| 64 | Original amount incorrect | Transaction failed, please contact your bank |
| 65 | Exceeds withdrawal frequency | Transaction failed, please contact your bank |
| 66 | Call acquirer security | Transaction failed, please contact your bank |
| 67 | Hard capture | Transaction failed, please contact your bank |
| 68 | Response received too late | Transaction failed, please contact your bank |
| 69 | “Advice received too late” | Transaction failed, please contact your bank |
| 70 | Permission denied | Transaction failed, please contact your bank |
| 71 | “Reserved for Bank use (declined)” | Transaction failed, please contact your bank |
| 72 | “Reserved for Bank use (declined)” | Transaction failed, please contact your bank |
| 73 | “Reserved for Bank use (declined)” | Transaction failed, please contact your bank |
| 74 | “Reserved for Bank use (declined)” | Transaction failed, please contact your bank |
| 75 | PIN tries exceeded | Transaction failed, please contact your bank |
| 76 | “Reserved for Bank use (declined)” | Transaction failed, please contact your bank |
| 77 | Intervene, bank approval required | Transaction failed, please contact your bank |
| 78 | Intervene, bank approval required for partial amount | Transaction failed, please contact your bank |
| 79 | “Reserved for Bank use (declined)” | Transaction failed, please contact your bank |
| 80 | “Reserved for Bank use (declined)” | Transaction failed, please contact your bank |
| 81 | “Reserved for Bank use (declined)” | Transaction failed, please contact your bank |
| 82 | “Reserved for Bank use (declined)” | Transaction failed, please contact your bank |
| 83 | Your bank has indicated that your card was not found on its Cardholder Authorisation File | Transaction failed, please contact your bank |
| 84 | “Reserved for Bank use (declined)” | Transaction failed, please contact your bank |
| 85 | Reserved for Bank use (declined) | Transaction failed, please contact your bank |
| 86 | Reserved for Bank use (declined) | Transaction failed, please contact your bank |
| 87 | Bad track information. | Transaction failed, please contact your bank |
| 88 | Reserved for Bank use (declined) | Transaction failed, please contact your bank |
| 89 | Your bank has indicated that invalid data was sent to them | Transaction failed, please contact your bank |
| 90 | Cut-off in progress | Transaction failed, please contact your bank |
| 91 | Issuer or switch inoperative | Transaction failed, please contact your bank |
| 92 | Routing error | Transaction failed, please contact your bank |
| 93 | Violation of law | Transaction failed, please contact your bank |
| 94 | Duplicate transaction | Transaction failed, please contact your bank |
| 95 | Reconcile error | Transaction failed, please contact your bank |
| 96 | Your bank has returned a ‘System malfunction’ error | Transaction failed, please contact your bank |
| 97 | “Reserved for Bank use (declined)” | Transaction failed, please contact your bank |
| 98 | Exceeds cash limit | Transaction failed, please contact your bank |
| S4 | System Error | Transaction failed, please contact your bank |
| S5 | System Error | Transaction failed, please contact your bank |
| S6 | System Error | Transaction failed, please contact your bank |
| S7 | System Error | Transaction failed, please contact your bank |
| S8 | System Error | Transaction failed, please contact your bank |
| S9 | System Error | Transaction failed, please contact your bank |
| T1 | Invalid advance Increment | Transaction failed, please contact your bank |
| T2 | Invalid Transaction Date | Transaction failed, please contact your bank |
| T3 | Card not supported | Transaction failed, please contact your bank |
| T4 | Amount over Maximum | Transaction failed, please contact your bank |
| T5 | Card not Active or Closed | Transaction failed, please contact your bank |
| N0 | Unable to Authorize | Transaction failed, please contact your bank |
| N8 | Over Floor Limit | Transaction failed, please contact your bank |
| O1 | Negative file error | Transaction failed, please contact your bank |
| O2 | Amount less than minimum | Transaction failed, please contact your bank |
| O3 | Referral problem | Transaction failed, please contact your bank |
| O4 | Over Transaction Limit | Transaction failed, please contact your bank |
| O5 | Pin Required | Transaction failed, please contact your bank |
| O6 | Modulus 10 check failed | Transaction failed, please contact your bank |
| O7 | Force Post | Transaction failed, please contact your bank |
| O8 | Bad PBF | Transaction failed, please contact your bank |
| P0 | Card File Problem | Transaction failed, please contact your bank |
| P1 | Over Daily Limit | Transaction failed, please contact your bank |
| P3 | Amount less than minimum | Transaction failed, please contact your bank |
| P4 | Exceed daily card usage count | Transaction failed, please contact your bank |
| P5 | Delinquent | Transaction failed, please contact your bank |
| P6 | Over transaction Limit | Transaction failed, please contact your bank |
| P7 | Amount less than Minimum | Transaction failed, please contact your bank |
| P8 | Admin Card needed | Transaction failed, please contact your bank |
| P9 | Enter lesser Amount | Transaction failed, please contact your bank |
| Q0 | Invalid transaction Date | Transaction failed, please contact your bank |
| Q1 | Invalid Expiry Date | Transaction failed, please contact your bank |
| Q2 | Invalid Transaction Code | Transaction failed, please contact your bank |
| Q9 | Invalid Transacting on bin 543552 | Transaction failed, please contact your bank |