Error Codes
Network Response Codes
ISO 8583 response codes from Visa, Mastercard, and RuPay card networks for POS/ATM/E-commerce transactions.
ISO 8583 response codes returned by card networks during POS, ATM, and e-commerce card authorizations. These codes indicate the outcome of the authorization request at the network level.
Visa / Mastercard Response Codes
| Code | Meaning | Type | Recommended Action |
|---|---|---|---|
00 | Approved | ✅ Success | Transaction successful — no action needed |
01 | Refer to card issuer | ❌ Decline | Contact support — do not retry |
04 | Pick up card | ❌ Decline | Card is compromised — block immediately |
05 | Do not honor | ❌ Decline | Generic decline — contact support if recurring |
12 | Invalid transaction | ❌ Decline | Transaction type not supported — verify transaction type |
13 | Invalid amount | ❌ Decline | Check the transaction amount |
14 | Invalid card number | ❌ Decline | Card number is invalid — verify card details |
41 | Lost card, pick up | ❌ Decline | Card reported lost — block the card |
43 | Stolen card, pick up | ❌ Decline | Card reported stolen — block the card |
51 | Insufficient funds | ❌ Decline | Wallet balance is too low — load funds |
54 | Expired card | ❌ Decline | Card has expired — issue a replacement |
55 | Invalid PIN | ❌ Decline | Wrong PIN entered — customer should retry carefully |
61 | Exceeds withdrawal amount limit | ❌ Decline | Amount exceeds the configured withdrawal limit |
65 | Exceeds withdrawal frequency limit | ❌ Decline | Too many transactions in the current period |
75 | PIN tries exceeded | ❌ Decline | Too many wrong PIN attempts — card may be temporarily locked |
91 | Issuer unavailable | ⚠️ System | Issuer system temporarily unavailable — retry |
96 | System malfunction | ⚠️ System | System error — retry after a brief delay |
RuPay (NPCI) Response Codes
| Code | Meaning | Type | Recommended Action |
|---|---|---|---|
00 | Approved | ✅ Success | Transaction successful |
05 | Do not honor | ❌ Decline | Generic decline |
12 | Invalid transaction | ❌ Decline | Transaction type not supported |
13 | Invalid amount | ❌ Decline | Check the transaction amount |
14 | Invalid card number | ❌ Decline | Verify card details |
51 | Insufficient funds | ❌ Decline | Load funds to wallet |
54 | Expired card | ❌ Decline | Issue a replacement card |
55 | Incorrect PIN | ❌ Decline | Customer should retry with correct PIN |
91 | Issuer unavailable | ⚠️ System | System unavailable — retry |
96 | System malfunction | ⚠️ System | System error — retry |
Network response codes are included in the transaction.auth.approved and transaction.auth.declined webhook events in the responseCode field. Map these codes to user-friendly messages in your application.