Card Error Codes.

Code	Response	Description
0	Transaction approved.	Transaction authorized.
1	Refer to issuer.	The Cardholders issuer has indicated there is a problem with the credentials used in the transaction. The Cardholder should use an alternate payment method, or contact their bank.
2	Refer to issuer, special.This error indicates that either the Merchant facility is non-functional or the details entered into the Gateway are invalid.	The Cardholders issuer has indicated there is a problem with the card number. The Cardholder should use an alternate payment method, or contact their bank.
3	Invalid merchant or service provider.	This error indicates that either the Merchant facility is non-functional or the details entered into the Gateway are invalid.
4	Pick up card.	The Cardholders issuer has declined the transaction and requested that the card be retained as the card may have been reported as lost or stolen.
5	Do not honor.	The '05 - Do Not Honor' error is a generic bank response code that has several possible causes. This response can be caused by a myriad of things, including velocity checks at the bank, lack of funds, incorrect data in the request, etc. This is the vaguest reason that can be provided to Card-stream by the Card Issuing Banks and we are actually unable to elaborate any further on this.
6	Error.	The Cardholders issuer has declined the transaction as there is a problem with the card number. The Cardholder should contact their card issuer and/or use an alternate payment method.
7	Pickup card, special condition (other than lost/stolen card).	The Cardholders card issuer has declined the transaction and requested that the card be retained as the card may have been reported as lost or stolen.
8	Honor with identification.	Transaction processed successfully - identification NOT required. This code is returned by some banks in place of 00 response.
9	Request in progress.	The Cardholders issuer has indicated there is a problem with the card number. The Cardholder should contact their bank and/or use an alternate payment method.
10	Approved for partial amount.	The transaction was successful for a partial amount.
12	Invalid transaction.	The bank has declined the transaction because of an invalid format or field. This indicates the card details were incorrect. Check card data entered and try again.
13	Invalid amount.	The Cardholders issuer has declined the transaction because of an invalid format or field; or amount exceeds maximum for card program.
14	Invalid card number.	The Cardholders issuing bank has declined the transaction as the payment card number is incorrectly entered, or does not exist.
15	No issuer.	The Cardholders issuer does not exist. Check the card information and try processing the transaction again.
16	Approved, update track 3.	An unspecified bank error has occurred. The Cardholder should attempt to process the transaction again.
17	Customer cancellation.	The Cardholders card issuer has prevented this transaction from taking place due to cancellation.
18	Customer dispute.	The Cardholders card issuer has prevented this transaction from taking place due to an ongoing or previous dispute.
19	Re-enter last transaction.	The transaction has not been processed and the Cardholder should attempt to process the transaction again. No further information is provided from the bank as to the reason why this was not processed.
20	Invalid response/acquirer error.	The bank has declined the transaction because of an invalid format or field. This indicates the card details were incorrect. Check card data entered and try again.
21	No action taken.	The Cardholders issuer has indicated there is a problem with the payment card number. The Cardholder should use an alternate payment method, or contact their bank.
22	Suspected malfunction.	The Cardholders issuer could not be contacted during the transaction. The Cardholder should check the card information and try processing the transaction again.
23	Unacceptable transaction.	An unspecified bank error has occurred. The Cardholder should attempt to process the transaction again.
24	File update impossible.	An unspecified bank error has occurred. The Cardholder should attempt to process the transaction again.
25	Unable to locate record on file.	The Cardholders card issuer does not recognize the credit card details. The Cardholder should check the card information and try processing the transaction again.
26	Duplicate reference number.	The Cardholders card issuer does not recognize the credit card details. The Cardholder should check the card information and try processing the transaction again.
27	Error in reference number.	The Cardholders card issuer does not recognize the credit card details. The Cardholder should check the card information and try processing the transaction again.
28	File is temporarily unavailable for update.	An unspecified bank error has occurred. The Cardholder should attempt to process the transaction again.
29	File action failed/contact acquirer.	An unspecified bank error has occurred. The Cardholder should attempt to process the transaction again.
30	Format error.	The Cardholders issuer does not recognize the transaction details being entered. This is due to a format error. The Cardholder should check the transaction information and try processing the transaction again.