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Vital/TSYS response codes for credit/debit processing

Debit card/PIN pad: Make sure V number, terminal number, and an ABA number exists or your may get Failed 19. 

Response Code
Response Text
Description

0
TRANSACTION APPROVED
The requested transaction has been approved.

1
NOT AUTHORISED
Card Issuer has declined the payment request.

2
DECLINED - CONTACT BANK
Card Issuer has had special conditions applied to the card.

3
CONTACT MERCHANT BANK
Merchant ID not found on Bank's System.

4
DECLINED - CONTACT BANK
Card Issuer has declined the transaction and requested the card be retained.

5
DECLINED - CONTACT BANK
The bank that issued this card to your customer has imposed some special conditions on the card or the use of the card. This could also indicate that the use of the card has been temporarily suspended.

6
DECLINED - CONTACT Anchor
The message sent by the terminal to the bank's system contained an error.

7
SYSTEM ERROR
Card Issuer has declined the transaction and requested the card be retained.

8
TRANSACTION APPROVED
This transaction is approved subject to the usual fraud checks and the operator's satisfactory assessment that the card user is the legal user and that signatures match.

12
INVALID TRANSACTN
The bank that issued this card to your customer has declined the transaction as the type of transaction is not valid for the type of card. e.g. Selecting to pay from a credit card account with standard issue EFTPOS card.

13
INVALID AMOUNT
The transaction amount is invalid.

14
CARD NOT VALID
The Credit Card number presented is Invalid. This could be because the card number or card series has been revoked or the number was simply miskeyed.

15
CARD NOT VALID
The Credit Card number presented is Invalid. This could be because the card number or card series has been revoked or the number was simply miskeyed.

19
RETRY TRANSACTION
The transaction has not been processed.Retry the transaction.

21
SYSTEM ERROR
Reversal Approved

30
FORMAT ERROR
Message Format Error.

31
CARD NOT VALID
The Card Issuer is not supported.

33
EXPIRED CARD
Card has expired

36
SYSTEM ERROR
Restricted Card

38
SYSTEM ERROR
Card Issuer has indicated that the card has exceeded the maximum number of PIN tries.

39
NO CREDIT ACCOUNT
There is no credit account linked to the card.

41
CONTACT BANK
Card has been reported as lost.

42
SYSTEM ERROR


43
CONTACT BANK
Card has been reported as stolen.

51
DECLINED - CONTACT BANK
Card/account has insufficient funds for this transaction.

52
NO CHEQUE ACCOUNT
No cheque account connected to card.

53
NO SAVINGS ACCOUNT
No savings account connected to card.

54
DECLINED - EXPIRED CARD
Card has expired

55
INVALID PIN
Cardholder PIN has failed validation

56
CONTACT YOUR BANK
Card Issuer has no record of the card.

57
INVALID TRANSACTION
Card Issuer has indicated that the transaction is not permitted to cardholder

58
TRAN NOT ALLOWED
Transaction not permitted on this terminal.

59
DECLINED - CONTACT BANK
Card Issuer has indicated that the card is suspected as being fraudulent

60
CONTACT BANK
There has been a problem processing the transaction.

61
CONTACT YOUR BANK
Transaction will exceed card/account withdrawal frequency limit.

62
SYSTEM ERROR
Card Issuer has indicated that there are restrictions placed on the card.

63
SYSTEM ERROR
The terminal's verification code has failed certification.

65
CONTACT YOUR BANK
Transaction will exceed card/account withdrawal frequency limit.

67
CONTACT BANK
Card issuer has indicated the card is suspected counterfeit.

75
EXCEED PIN TRIES
Card Issuer has indicated that the card has exceeded the maximum number of PIN tries.

78
SYSTEM ERROR

89
SYSTEM ERROR

91
BANK NOT AVAILABLE
Link with the Card Issuer is not available.

92
SYSTEM ERROR

96
SYSTEM ERROR
There has been a problem processing the transaction.

98
MAC ERROR
The secure encryption device and the acquiring bank don't agree on the key used in the transaction, therefore the acquiring bank is rejecting the transaction.
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  1. Dave J

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