Deprecated messages

51

Transaction referred

Warning

Reason

101

Transaction needs manual approval

This transaction has not been rejected but you need to call the bank for manual approval.

Should be treated as an error if the customer is not present.

Reason

102

Only allow transaction with proof of identity

This transaction has not been rejected but you should get proof of identity before accepting.

Should be treated as an error if the customer is not present.

Reason

103

Issuer needs more information to approve transaction

Card was authorised but approval was overwritten per merchant.

52

Transaction declined

Error

Code 52 is still returned, but these Reasons are no longer returned.

Reason

104

Insufficient funds

There are not enough funds to cover this transaction.

Reason

105

Transaction exceeds withdrawal limit

This transaction has been declined because it exceeds the withdrawal limit for the card.

Reason

106

Transaction exceeds withdrawal count

This transaction has been declined because there have been too many withdrawals against this card.

Reason

107

Transaction exceeds cashback limit

This transaction has been declined because this transaction exceeds the cashback limit for this card.

Reason

108

Transaction exceeds activity limit

This transaction has been declined because there has been too much activity on this card.

Reason

109

Current account not valid

This is returned for cards that are associated with specific current accounts.

Reason

110

Savings account not valid

This is returned for cards that are associated with specific savings accounts.

53

Transaction not allowed

Error

Reason

112

Cashback not allowed

Reason

113

Invalid account type

The type of account supplied is not valid for this transaction.

Reason

114

All recurring payments stopped by customer

The card holder has stopped all recurring payments on this card. Therefore this transaction has been rejected.

Reason

115

This recurring payment stopped by customer

The card holder has stopped this recurring payment, therefore the transaction has been rejected.

Reason

116

Transaction not authorised by customer.

Reason

117

Transaction refused by customer.

54

Details not valid

Error

Code 54 is still returned, but these Reasons are no longer returned.

Reason

119

There is no address for this account.

Reason

120

You must supply a bank account name.

For some cards you must supply a card holder's name to pre-authorise a transaction.

Reason

121

New card has been issued

This transaction is for an old card and should be rejected. The new card has been sent to the card holder.

Reason

122

Issuer wants this card returned, please keep the card

Transaction is not authorised. The issuer wants the card returned.

Reason

123

Account holder deceased.

Reason

124

Account has been frozen.

55

Transaction considered fraudulent

Error

Code 55 is still returned, but this Reason is no longer returned.

Reason

125

Suspicion of manipulation.

56

Customer present flag not set

Information

You have not specified whether the customer is present during the transaction.

Some warnings should be treated as errors if the customer is not present.

57

Card use limited - refer to branch

Warning

58

Transaction approved, but may be fraudulent

Warning

Although the transaction was approved, it shows characteristics of a fraudulent transaction.

Review this transaction before you accept it.

59

Card schemes do not match

Warning

Code 59 is still returned, but this Reason is no longer returned.

Reason

127

Visa Debit and Delta cards are treated as Visa cards.