Bank Response Codes Explained in Detail

Bank response codes are a crucial part of the payment processing system, allowing merchants to understand the status of a transaction. They provide valuable information to help resolve any issues that may arise during a transaction.

A response code is typically a 2-digit code that indicates the outcome of a payment request. For example, a code of 00 indicates that the transaction was approved, while a code of 51 indicates that the card was declined due to an expired card number.

Merchants can use this information to take corrective action and improve their payment processing systems.

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Bank response codes are a crucial part of the payment process, and understanding them can help you navigate any issues that may arise.

You should only map your responses handlers against message IDs as message strings are not guaranteed to be consistent over time.

The Payment API returns bank response codes that are grouped into three categories: gateway and credit card, with credit card transactions further sub-grouped by processor.

American Express specific codes will only map to NETWORK_RESPONSE.

Here's a breakdown of the credit card processor sub-groups:

If you're processing transactions against a test account, you'll receive responses from the emulator rather than a processor.

The ISO 20022 codes have the following meanings:

These codes provide a clear and standardized way to communicate the status of a payment, making it easier to resolve any issues that may arise.

Allpoint response codes use a numbering scheme to indicate the status of an authorization request. The codes range from 0xx to 9xx, with different ranges indicating different types of responses, such as authorization approved, denied, or reversal actions.

Here are some specific codes to look out for:

These codes can help you understand the outcome of an authorization request and take the necessary steps to resolve any issues that may arise.

First Data is a well-known processor in the payment industry, and understanding their response codes is crucial for merchants and banks alike.

First Data's response codes are extensive, with over 40 different codes to keep track of.

One of the most common response codes from First Data is APPROVAL, which is indicated by message ID 684 or 698.

Another common code is DECLINED, which can be caused by various issues such as an expired card (message ID 694), incorrect PIN (message ID 725), or insufficient funds (message ID 742).

If a transaction is declined due to an expired card, the merchant will receive a message saying "EXPIRED CARD" (message ID 694).

In some cases, First Data may request additional authorization, indicated by message ID 1176, which means the merchant needs to add an authorization requirement.

Here's a list of some common First Data response codes and their meanings:

By understanding these response codes, merchants and banks can better handle transactions and resolve issues in a timely manner.

Allpoint Response Codes are a vital part of the payment processing process, providing valuable information to merchants about the status of a transaction.

A response code of 494 indicates Approval, while a code of 498 signifies No Reply. These codes can help merchants understand the outcome of a transaction and take necessary actions.

Here's a list of some common Allpoint Response Codes and their meanings:

These response codes can be invaluable in troubleshooting issues with transactions and ensuring that merchants receive the correct information to complete a sale.

The ISO 20022 codes list is a comprehensive set of codes used to convey the status of a payment initiation. These codes are essential for understanding the outcome of a payment request.

There are several codes that indicate a payment has been accepted, including ACCC, ACCP, ACSC, ACSP, ACTC, ACFC, and ACWP. These codes signify that the payment has been successfully signed, validated, and accepted for execution.

The code ACWC indicates that the instruction is accepted but a change will be made, such as the date or remittance not sent.

The code RCVD signifies that the payment initiation has been received by the receiving agent, and technical validation has started.

The code PDNG indicates that the payment initiation or individual transaction is pending and in progress for signing.

The code RJCT signifies that the payment initiation or individual transaction has been rejected.

Here's a list of the ISO 20022 codes mentioned in this section:

Credit card response codes are a crucial part of the payment processing process, and understanding what they mean can help you navigate potential issues with a customer's card.

A response code will contain indicators that tell you whether the Address Verification Service and CVV number successfully matched, and will include an authorization code.

Approval messages are usually straightforward, but some codes, like 10, indicate that the transaction has been approved for a partial amount, common with prepaid cards.

A decline message can indicate that the card has expired, been reported lost or stolen, or that the account lacks sufficient funds or is too close to its credit limit to cover the transaction.

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Some response codes, like 55, specifically indicate an incorrect PIN.

Here are some common response codes to look out for:

If you see a response code that you're not sure how to handle, it's always a good idea to ask for an alternate payment method. This can help prevent chargebacks and keep your customers happy.

Standardized Response Codes are crucial in the banking industry, allowing for clear and efficient communication between banks and their customers. They provide a standardized way to convey the status of a transaction, making it easier for customers to understand what's happening with their accounts.

ACCC, or Accepted, Settlement Completed, is one such code that indicates settlement on the creditor's account has been completed. This code is only applicable for instant payments. Another code, ACSC, also indicates settlement on the debtor's account has been completed.

The Allpoint response codes use a numbering scheme to indicate the status of an authorization request. The first digit indicates the category of the response, with 0xx indicating authorization approved and 1xx indicating authorization denied.

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Here's a breakdown of the Allpoint response code categories:

Some specific Allpoint response codes include 000 for Approved, 001 for Approved With Identification, and 002 for Approved For Partial Amount. On the other hand, codes like 100 for Do Not Honor (General Denial) and 101 for Expired Card indicate a declined transaction.

A "Rejected" status is indicated by the code RJCT, which means the payment initiation or individual transaction included in the payment initiation has been rejected.

The code RCVD signifies that the payment initiation has been received by the receiving agent, and technical validation has started.

A "Partially Accepted, Technical" status is denoted by the code PATC, which means the payment initiation needs multiple authentications, where some but not yet all have been performed.

The code RJCT is also known as "Rejected", which is a clear indication that the payment initiation or individual transaction included in the payment initiation has been rejected.

Here's a list of some specific response codes:

The code 55 indicates an "Incorrect PIN", which is a common reason for a decline message.

A "Cancelled" status is denoted by the code CANC, which means the payment initiation has been cancelled before execution.

The code 08 tells the merchant to approve the transaction, but only after checking the customer's ID.

Chargebacks are a major concern for businesses, and understanding credit card response codes can help you avoid them. Response codes can give you an early warning that something is wrong with a card or customer and that processing the transaction may lead to a dispute down the line.

Unauthorized charges are always subject to chargebacks, and response codes can provide valuable information to help you decide what to do next. For example, response code 55 indicates that the cardholder's PIN is incorrect.

You can ask the customer for an alternate payment method if you're unsure how to handle a response code. Most customers have multiple payment methods, such as a credit card and a debit card, and will be happy to provide an alternate method if it means avoiding the time spent trying to get the first one to work.

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If the customer doesn't have another payment method you can accept, you should contact the bank for instructions. Response codes are always trying to tell you something important – listen to them and follow the guidelines provided by your payment processor or acquirer to stay safe and protect yourself.

Here are some common response codes that may indicate a chargeback is likely:

In some cases, you may be able to resolve the issue with the customer and avoid a chargeback. For example, if the customer's card has expired or been reported lost or stolen, you can ask them to provide a new card or update their account information.