Bank & SecurePay response codes

Click here for the PDF to determine all the gateway responses for failed transaction for those clients that are using Securepay to process their transactions (Australia only).

Response codes are supplied by the merchant’s bank to SecurePay after making contact with the customer’s card issuer.  After receiving the payment information from SecurePay your bank contacts your customer’s bank to confirm the details of the transaction (card #, expiry date, amount, card valid, etc.). Depending on that interaction, the customer’s bank will reply to your bank with a response code – this message will then be returned to your website by SecurePay.  Common types of responses from the banks include:

  • Transaction approved: Your customer’s transaction was processed successfully. 
  • Insufficient funds: The customer’s bank noted that there was not enough money available on the card. 
  • Card expired: The card used is expired. Has the card been replaced? 
  • Refer to issuer: This can mean many different things, ultimately you will need to tell your customer to contact their card issuing bank. Do they have another card they can use? 

Please find below a more complete list of the Response Codes you may receive from your merchant bank, plus a description on what those responses mean. 

Bank Response Codes 00-99 

 Code Response Text Result Explanation 
 00 Transaction Approved Successful The transaction was successful. 
08 Honour with Identification Successful The transaction was successful. Some Banks use this code instead of ‘00’. 
11 Approved VIP (not used) Successful The transaction was successful. (This code is not used in Australia.) 
16 Approved, update Track 3 Successful The transaction was successful. 
77 Approved (ANZ only) Successful  
01 Refer to Issuer Fail The customer’s bank (Card Issuer) has indicated there is a problem with the credit card number. The customer should contact their bank. The customer should use an alternate credit card. 
02 Refer to Issuer, special Fail The customer’s bank (Card Issuer) has indicated there is a problem with the credit card number. The customer should contact their bank. The customer should use an alternate credit card. 
03 No Merchant Fail The Merchant ID is invalid, you should contact your Bank and ensure you have provided the correct Merchant Account Number to SecurePay. 
04 Pick Up Card Fail The customer’s bank (Card Issuer) has declined the transaction and requested that your customer’s credit card be retained. (card reported lost or stolen). The customer should use an alternate credit card. 
05 Do Not Honour Fail The customer’s bank has declined the transaction as the credit card number has failed a security check, or the funds have been frozen or depleted. The customer should use an alternate credit card. 
06 Error Fail The customer’s bank (Card Issuer) has declined the transaction as there is a problem with the credit card number. The customer should contact their bank. The customer should use an alternate credit card. 
07 Pick Up Card, Special Fail The customer’s bank (Card Issuer) has declined the transaction and requested that your customer’s credit card be retained. (card reported lost or stolen) The customer should use an alternate credit card. 
09 Request In Progress Fail The customer’s bank (Card Issuer) has indicated there is a problem with the credit card number. The customer should contact their bank. The customer should use an alternate credit card. 
12 Invalid Transaction Fail The customer’s bank (Card Issuer) has declined the transaction because of an invalid format or field. Check the transaction information and try processing the transaction again. 
13 Invalid Amount Fail An invalid character (e.g. a dollar sign or a space) may be being passed to the gateway. Check your website’s code. 
14 Invalid Card Number Fail The customer’s bank (Card Issuer) has declined the transaction as the Credit Card number does not exist. Check the credit card information and try processing the transaction again. 
15 No Issuer Fail The customer’s bank (Card Issuer) does not exist. Check the credit card information and try processing the transaction again. 
17 Customer Cancellation Fail  
18 Customer dispute   
19 Re-enter Last Transaction Fail The transaction has not been processed and the customer should attempt to process the transaction again. 
21 No Action Taken Fail The customer’s bank (Card Issuer) has indicated there is a problem with the credit card number. The customer should contact their bank. The customer should use an alternate credit card. 
22 Suspected Malfunction Fail The customer’s bank (Card Issuer) cannot be contacted during the transaction. The customer should check the credit card information and try processing the transaction again. 
23 Unacceptable Transaction Fee Fail An unspecified error has occurred. 
25 Unable to Locate Record On File Fail The customer’s bank (Card Issuer) does not recognise the credit card details. The customer should check the credit card information and try processing the transaction again. 
30 Format Error Fail The customer’s bank (Card Issuer) does not recognise the transaction details. The customer should check the transaction information and try processing the transaction again. 
31 Bank Not Supported By Switch Fail The customer’s bank (Card Issuer) has declined the transaction as it does not allow transactions originating through mail / telephone, fax, email or Internet orders. This error is associated customers attempting to use a Discover Card. The customer should use an alternate credit card. 
33 Expired Card, Capture Fail The customer’s bank (Card Issuer) has declined the transaction as Credit Card has expired or the date is incorrect. Check the expiry date in the transaction and try processing the transaction again. 
34 Suspected Fraud, Retain Card Fail The customer’s bank (Card Issuer) has declined the transaction as there is a suspected fraud on this Credit Card number. 
35 Card Acceptor, Contact Acquirer, Retain Card Fail The customer’s bank (Card Issuer) has declined the transaction and requested that the customer’s credit card be retained (card reported lost or stolen). The customer should use an alternate credit card. 
36 Restricted Card, Retain Card Fail The customer’s bank (Card Issuer) has declined the transaction and requested that the customer’s credit card be retained. (card reported lost or stolen) The customer should use an alternate credit card. 
37 Contact Acquirer Security Department, Retain Card Fail The customer’s bank (Card Issuer) has declined the transaction and requested that your customer’s credit card be retained. (card reported lost or stolen) The customer should use an alternate credit card. 
38 PIN Tries Exceeded, Capture Fail The customer’s bank (Card Issuer) has declined the transaction as the customer has entered the incorrect PIN three times. The customer’s bank (Card Issuer) has requested you retain the credit card. The customer should use an alternate credit card and contact their bank. 
39 No Credit Account Fail The customer’s bank has declined the transaction as the Credit Card number used is not a credit account. The customer should use an alternate credit card. 
40 Function Not Supported Fail The customer’s bank (Card Issuer) has declined the transaction as it does not allow this type of transaction. The customer should use an alternate credit card. 
41 Lost Card Fail The customer’s bank (Card Issuer) has declined the transaction as the card has been reported lost. The customer should use an alternate credit card. 
42 No Universal Account Fail The customer’s bank (Card Issuer) has declined the transaction as the account type selected is not valid for this credit card number. The customer should use an alternate credit card. 
43 Stolen Card Fail The customer’s bank (Card Issuer) has declined the transaction as the card has been reported stolen. The customer should use an alternate credit card. 
44 No Investment Account Fail The customer’s bank (Card Issuer) has declined the transaction as the account type selected is not valid for this credit card number. The customer should use an alternate credit card. 
51 Insufficient Funds Fail The customer’s bank (Card Issuer) has declined the transaction as the credit card does not have sufficient funds. The customer should use an alternate credit card. 
52 No Cheque Account Fail The customer’s bank (Card Issuer) has declined the transaction as the credit card number is associated to a cheque account that does not exist. The customer should use an alternate credit card. 
53 No Savings Account Fail The customer’s bank (Card Issuer) has declined the transaction as the credit card number is associated to a savings account that does not exist. The customer should use an alternate credit card. 
54 Expired Card Fail The customer’s bank (Card Issuer) has declined the transaction as the credit card appears to have expired. The customer should check the expiry date entered and try again, or use an alternate credit card. 
55 Incorrect PIN Fail The customer’s bank (Card Issuer) has declined the transaction as the customer has entered an incorrect PIN. The customer should re-enter their PIN, otherwise use an alternate credit card. 
56 No Card Record Fail The Customer’s bank has declined the transaction as the credit card number does not exist. The customer should use an alternate credit card. 
57 Function Not Permitted to Cardholder Fail The Customer’s bank has declined the transaction as this credit card cannot be used for this type of transaction. The customer should use an alternate credit card. 
58 Function Not Permitted to Terminal Fail The Customer’s bank has declined the transaction as this credit card cannot be used for this type of transaction. This may be associated with a test credit card number. The customer should use an alternate credit card. 
59 Suspected Fraud Fail The customer’s bank has declined this transaction as the credit card appears to be fraudulent. 
60 Acceptor Contact Acquirer Fail The customer’s bank (card issuer) has declined the transaction. The customer should contact their bank and retry the transaction. 
61 Exceeds Withdrawal Limit Fail The customer’s bank has declined the transaction as it will exceed the customer’s card limit. The customer should use an alternate credit card. 
62 Restricted Card Fail The customer’s bank has declined the transaction as the credit card has some restrictions. The customer should use an alternate credit card. 
63 Security Violation Fail The customer’s bank has declined the transaction. The customer should use an alternate credit card. 
64 Original Amount Incorrect Fail The customer’s bank has declined the transaction due to the amount attempting to be processed. The customer should check the transaction amount and try again. 
65 Exceeds withdrawal Fail The customer’s bank has declined the transaction as the customer has exceeded the withdrawal frequency limit. The customer should use an alternate credit card. 
66 Acceptor Contact Acquirer, Security Fail The customer’s bank has declined the transaction and request the Merchant to contact the bank. The customer should use an alternate credit card. 
67 Capture Card Fail The customer’s bank has declined the transaction as the card is suspected to be counterfeit. The customer’s bank (Card Issuer) has requested that your customer’s credit card be retained. The customer should use an alternate credit card. 
75 PIN Tries Exceeded Fail The customer’s bank has declined the transaction as the customer has entered the incorrect PIN more than three times. The customer should use an alternate credit card. 
82 CVV Validation Error Fail The customer’s bank has declined the transaction as the CVV is incorrect. The customer should check the CVV details and try again. If not successful, the customer should use an alternate credit card. 
90 Cut off In Progress Fail The customer’s bank is temporarily not able to process this customer’s credit card. The customer should attempt to process this transaction again. 
91 Card Issuer Unavailable Fail The customer’s bank is unable to be contacted to authorise the transaction. The customer should attempt to process this transaction again. 
92 Unable To Route Transaction Fail The customer’s bank cannot be found for routing. This response code is often returned when the customer is using a test credit card number. The customer should attempt to process this transaction again. 
93 Cannot Complete, Violation Of The Law Fail The customer’s bank has declined the transaction and request the customer to contact their bank. The customer should use an alternate credit card. 
94 Duplicate Transaction Fail The customer’s bank has declined the transaction as this transaction appears to be a duplicate transmission. No action required. 
96 System Error Fail The customer’s bank was not able to process the transaction. The customer should attempt to process this transaction again. 
97 Reconciliation Totals Reset Fail The reconciliation totals have been reset 
98 MAC Error Fail  
99 Reserved for National Use Fail  

SecurePay Payment Server Response Codes 

Code Response Text Result Description 
100 Invalid Transaction Amount Fail If payment transaction amount is non-integer, negative, or zero 
101 Invalid Card Number Fail If credit card number contains characters other digits, or bank does not recognize this number as a valid credit card number 
102 Invalid Expiry Date Format Fail If expiry date does not follow the format MM/YY or contains an invalid date 
103 Invalid Purchase Order Fail If purchase order is an empty string 
104 Invalid Merchant ID Fail If Merchant ID does not follow the format XXXDDDD, where X is a letter and D is a digit, or Merchant ID is not found in SecurePay’s database. 
106 Card type unsupported Fail Merchant is not configured to accept payment from this particular Credit Card type 
109 Invalid credit card CVV number format Fail CVV Number contains character other than digits or contains more than 6 characters 
110 Unable To Connect To Server Fail Produced by SecurePay Client API when unable to establish connection to SecurePay Payment Gateway 
111 Server Connection Aborted During Transaction Fail Produced by SecurePay Client API when connection to SecurePay Payment Gateway is lost after the payment transaction has been sent 
112 Transaction timed out By Client Fail Produced by SecurePay Client API when no response to payment transaction has been received from SecurePay Payment Gateway within predefined time period (default 80 seconds) 
113 General Database Error Fail Payment Gateway was unable to read or write information to the database while processing the transaction 
114 Error loading properties file Fail Payment Gateway encountered an error while loading configuration information for this transaction 
115 Fatal Unknown Server Error Fail Transaction could not be processed by the Payment Gateway due to unknown reasons 
116 Function unavailable through Bank Fail The bank doesn’t support the requested transaction type 
117 Message Format Error Fail SecurePay Payment Gateway couldn’t correctly interpret the transaction message sent 
118 Unable to Decrypt Message Fail SecurePay’s security methods were unable to decrypt the message 
119 Unable to Encrypt Message Fail SecurePay’s security methods were unable to encrypt the message 
123 Gateway Timeout Fail Produced by SecurePay Payment Gateway when no response to the transaction has been received from bank gateway within predefined time period 
124 Gateway Connection Aborted During Transaction Fail Produced by SecurePay Payment Gateway when connection to bank gateway is lost after the payment transaction has been sent 
125 Unknown Error Code Fail Produced by the bank gateway, textual description of the actual problem is stored in the database 
126 Unable to Connect to Gateway Fail SecurePay Payment Gateway couldn’t establish a connection to Bank Gateway 
131 Invalid Number Format Fail A sting entered cannot be parsed as an integer. I.e. string must contain only digits, or preceding ‘-‘ sign 
132 Invalid Date Format Fail Date entered does not follow the format DD/MM/YYYY, where DD is the 2-digit day of the month, MM is the 2-digit month number, and YYYY is the 4-digit year number; also if month is < 1 or > 12, or date is < 0 or > maximum days in that month 
133 Transaction for refund not in database Fail Refund operation requested, and the original approved transaction is not found in the database 
134 Transaction already fully refunded / Only $x.xx available for refund Fail Refund operation is requested, and the given transaction has already been fully or partially refunded 
135 Transaction for reversal not in database Fail Reversal operation requested, and the original approved transaction is not found in the database 
136 Transaction already reversed Fail Reversal operation requested, and the given transaction has already been reversed 
137 Pre-authorisation transaction not found in database Fail Complete operation requested, and the matching approved pre-auth transaction is not found in the database 
138 Pre-authorisation already completed Fail Complete operation requested, and the given pre-auth has already been completed 
139 No authorisation code supplied Fail Client performing Complete transaction did not provide Pre-auth Code from original pre-auth transaction 
140 Partially refunded, undertake refund to complete Fail Reversal operation is requested, and the given transaction has already been partially refunded 
141 No transaction ID supplied Fail Client performing Refund/Reversal transaction did not provide original payment’s Bank Transaction ID 
142 Pre-auth was done for smaller amount Fail Complete operation was requested but the amount specified is greater the pre-authorised amount 
143 Payment amount smaller than minimum Fail The payment amount was smaller than the minimum accepted by the merchant 
144 Payment amount greater than maximum Fail The payment amount was greater than the maximum accepted by the merchant 
145 System maintenance in progress Fail The system maintenance is in progress and the system is currently unable to process transactions 
146 Duplicate Payment Found Fail The system located a transaction that seems to be a duplicate of the current attempt. Transaction is not passed to bank, and customer should contact their merchant before making payment.  (Used in SecureBill / IVR only at present.) 
147 No Valid MCC Found Fail The merchant does not have a valid MCC (Merchant Category Code) set up to complete this transaction (Refers to Recurring transactions only at present). 
148 Invalid Track 2 Data Fail If track 2 data is invalid length. 
149 Track 2 Data Not Supplied Fail Track 2 data was not supplied and the transaction cannot be completed (Refers to Card Present transactions only at present). 
151 Invalid Currency Code Fail The currency code supplied does not match the format required by SecurePay. Check the list of accepted currency codes. 
152 Multi-currency not supported by bank Fail The financial institution used for this payment only accepts payments in Australian dollars (AUD). 
153 External Database Error Fail A database error has occurred outside the SecurePay Payment Server (e.g. DEFT, etc) 
157 Fraud Check Passed Fail Fraud check successful. No suspected fraud. 
158 Fraud Check Error Fail Cannot evaluate transaction for fraud. 
159 Suspected Fraud Fail Transaction suspected to be fraudulent. 
160 Cardholder could not be authenticated Fail Customer entered their Verified by Visa or MasterCard SecureCode password incorrectly, or an error occurred while authenticating the customer 
175 No Action Taken Fail The payment was held in the processing queue too long and was rejected without processing. Usually a symptom of slow bank responses. Additional terminal IDs may help solve this problem if it occurs frequently. 
176 Merchant Not Enrolled in 3D Secure Fail Please call SecurePay to be added to our 3D Secure service 
177 Unable to connect to MPI for 3D Secure Fail An internal connectivity error occurred preventing 3D Secure authentication at this time 
178 3D Secure MPI Configuration Error Fail An internal configuration error occurred preventing 3D Secure authentication at this time 
179 User Cancelled Payment Fail The user chose to exit the payment process before completion 
190 Merchant Gateway Not Configured Fail The gateway for the merchant has been reserved, but not yet configured to be live by SecurePay staff. 
195 Merchant Gateway Disabled Fail SecurePay has disabled the merchant gateway. 
199 Merchant Gateway Discontinued Fail SecurePay has discontinued the merchant gateway. 
000 Normal Approved Message processed correctly (check transaction response for details). 
504 Invalid Merchant ID Fail If Merchant ID does not follow the format XXXDDDD, where X is a letter and D is a digit, or Merchant ID is not found in SecurePay’s database. 
505 Invalid URL Fail The URL passed to either Echo, Query or Payment object is invalid. 
510 Unable To Connect To Server Fail Produced by SecurePay Client API when unable to establish connection to SecurePay Payment Gateway 
511 Server Connection Aborted During Transaction Fail Produced by SecurePay Client API when connection to SecurePay Payment Gateway is lost after the payment transaction has been sent 
512 Transaction timed out By Client Fail Produced by SecurePay Client API when no response to payment transaction has been received from SecurePay Payment Gateway within predefined time period (default 80 seconds) 
513 General Database Error Fail Unable to read information from the database. 
514 Error loading properties file Fail Payment Gateway encountered an error while loading configuration information for this transaction 
515 Fatal Unknown Error Fail Transaction could not be processed by the Payment Gateway due to unknown reasons 
516 Request type unavailable Fail SecurePay system doesn’t support the requested transaction type 
517 Message Format Error Fail SecurePay Payment Gateway couldn’t correctly interpret the transaction message sent 
524 Response Format Error Fail The client could not understand the response message. 
545 System maintenance in progress Fail The system maintenance is in progress and the system is currently unable to process transactions 
550 Invalid password Fail The merchant has attempted to process a request with an invalid password. 
575 Not implemented Fail This functionality has not yet been implemented 
577 Too Many Records for Processing Fail The maximum number of allowed events in a single message has been exceeded. 
580 Process method has not been called Fail The process() method on either Echo, Payment or Query object has not been called 
594 Duplicate Transmission Fail A transaction with the same details has already been processed. 
595 Merchant Disabled Fail SecurePay has disabled the merchant and the requests from this merchant will not be processed. 

SecurePay Direct Entry Response Codes 

Code Response Text Result Description 
00 Transaction Received Approved The transaction was received and will be sent off for processing at the end of the day. 
200 Invalid Transaction Amount Fail  
201 No DDA Found Fail  
203 Invalid Reference Number Fail  
204 Invalid Merchant ID Fail If Merchant ID does not follow the format XXXDDDD, where X is a letter and D is a digit; or if Merchant ID is not found in the merchant database. 
205 DDA Expired Fail  
213 General Database Error Fail Direct Debit Server was unable to read or write information to the database while processing the transaction 
217 Message Format Error Fail Direct Debit Server received a message with invalid data. 
225 Transaction Rejected (Unknown response) Fail  
228 No DDA With Merchant Fail DDA is inactive. 
243 Amount Lower Than Minimum Fail The payment amount was lower than the minimum accepted. 
244 Amount Higher Than Maximum Fail The payment amount was higher than the maximum accepted. 
246 Duplicate Payment Found Fail The system located a transaction that seems to be a duplicate of the current attempt. Transaction is not passed to bank, and customer should contact their merchant before making payment. (Used in SecureBill / IVR only at present.) 
249 Invalid Payor ID Fail  

SecurePay Periodic Server Response Codes 

Code Response Text Result Description 
300 Invalid Amount Fail If payment transaction amount is non-integer, negative, or zero. (May be zero (0) for “trigger” actions, when default amount will be used.) 
301 Invalid Credit Card Number Fail Credit card number is not supplied, wrong length, or does not pass Luhn algorithm. 
302 Invalid Expiry Date Fail Expiry date does not follow format MM/YY, where MM is the 2-digit month (01-12) and YY is the 2-digit year. 
303 Invalid Periodic Client ID Fail Client ID not provided, longer than 20 characters, or contains spaces. 
304 Invalid Merchant ID Fail Merchant ID does not follow format XXXDDDD for credit card payments, or XXXDD for direct entry, where X is a letter and D is a digit; or merchant ID not in database. 
305 Invalid BSB Number Fail BSB does not follow format DDDDDD, or DDD-DDD, where D is a digit. 
306 Invalid Account Number Fail Account number not provided, greater than 9 digits, or contains non-digit characters. 
307 Invalid Account Name Fail Account Name is mandatory for DE Credit payments, and optional for DE Debits. Must be less than 32 characters if supplied. 
308 No Matching DDA Found Fail A periodic DE Debit payment must match an existing DDA stored in our database for the merchant. DDAs can be added via the Merchant Login. DDA expiry date must be after the final periodic payment date. 
309 Invalid CVV Number Fail CVV is optional for credit card payments, but if provided, must be either 3 or 4 digits. 
313 General Database Error Fail A database error occurred while processing your request. Retry, or contact SecurePay. 
314 Unable to Read Properties File Fail A properties file was not found or could not be read. Retry, or contact SecurePay. 
316 Invalid Action Type Requested Fail The server does not support the action type requested. Check user manual for allowed values. 
318 Unable to Decrypt Account Details Fail The card number or account details could not be decrypted. Retry, or contact SecurePay. 
327 Invalid Periodic Payment Type Fail The Periodic type requested is not supported. Check user manual for allowed values. 
328 Invalid Periodic Frequency Fail The Periodic frequency requested is not valid. Check user manual for allowed values. 
329 Invalid Number of Payments Fail Number of payments must be 1 or more for day-based and calendar-based payments. 
332 Invalid Date Format Fail A supplied date does not follow format YYYYMMDD, where values conform to standard calendar rules; or the server could not correctly interpret a date. 
333 Triggered Payment Not Found Fail Triggered payment Client ID requested does not match a stored triggered payment for the merchant. 
346 Duplicate Client ID Found Fail Client ID being added is not unique for the merchant. 

Bank Gateway Response Codes 

Code Response Text Result 
900 Invalid Transaction Amount Fail 
901 Invalid Credit Card Number Fail 
902 Invalid Expiry Date Format Fail 
903 Invalid Transaction Number Fail 
904 Invalid Merchant/Terminal ID Fail 
905 Invalid E-Mail Address Fail 
906 Card Unsupported Fail 
907 Card Expired Fail 
908 Insufficient Funds Fail 
909 Credit Card Details Unknown Fail 
910 Unable to Connect to Bank Fail 
913 Unable to Update Database Fail 
914 Power Failure Fail 
915 Fatal Unknown Gateway Error Fail 
916 Invalid Transaction Type Requested Fail 
917 Invalid Message Format Fail 
918 Encryption Error Fail 
919 Decryption Error Fail 
922 Bank is Overloaded Fail 
923 Bank Timed Out Fail 
924 Transport Error Fail 
925 Unknown Bank Response Code Fail 
926 Gateway Busy Fail 
928 Invalid Customer ID Fail 
932 Invalid Transaction Date Fail 
933 Transaction Not Found Fail 
936 Transaction Already Reversed Fail 
937 Transaction Cannot Be Authorised Fail 
938 Pre-auth Already Completed Fail 
939 Invalid Auth Code Fail 
941 Invalid Transaction ID Supplied Fail 
946 Reference Number Currently In Use Fail 
951 Transaction Not Permitted To Terminal Fail 
958 Fraud Check Error Fail 
960 Contact Card Issuer Fail 
961 Transaction Pending Fail 
962 Transaction Voided Fail 
970 File Access Error Fail 
971 Invalid Flag Set Fail 
972 Pin-pad/Gateway Offline Fail 
973 Invoice Unavailable Fail 
974 Gateway Configuration Error Fail 
975 No Action Taken Fail 
976 Unknown Currency Code Fail 
977 Too Many Records for Processing Fail 
978 Merchant Blocked Fail