DOKU Malaysia API Reference
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  1. Response Code
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  • Technical Reference
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    • Response Code
      • Error Code
      • Credit Card Acquirer Response Code
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      • Create Checkout
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    • Signature
      • Signature - Global
        • Prepare Signature Component
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        • Sample Code
      • Signature - Cards Payment API
        • Signature Component from Response Header
        • Signature from API Get Method
        • Sample Code
        • Signature Component from Request Header
  1. Response Code

Credit Card Acquirer Response Code

The table below shows all Credit Card acquirer response codes categorized by response type, category, and applicability.
Acquirer Response CodeDescriptionCategory
00Approved or completed successfullyIssuer approved
01Refer to card issuer, Contact card issuerGeneric response codes
02Refer to card issuer - Special conditionsGeneric response codes
03Invalid merchantIssuer cannot approve at this time
04Pick up card (no fraud)Issuer will never approve
05Do not honorGeneric response codes
06Error (applies for VISA)Generic response codes
07Pickup card, special conditions (applies for VISA)Issuer will never approve
08Honor with ID (applies for VISA)Issuer approved
10Partial value approvedGeneric response codes
11Approved V.I.P (applies for MASTERCARD)Issuer approved
12Invalid transactionIssuer will never approve
13Invalid value/amountGeneric response codes
14Invalid card numberIssuer will never approve
15No such issuerIssuer will never approve
19Re-enter transaction (applies for VISA)Issuer cannot approve at this time
21No action taken (applies for VISA)Generic response codes
25Unable to locate record on file (applies for VISA)Generic response codes
28File is temporarily unavailable (applies for VISA)Generic response codes
30Format error (applies for MASTERCARD)Generic response codes
39No credit account (applies for VISA)Issuer cannot approve at this time
41Lost card - pick upIssuer will never approve
43Stolen card - pick upIssuer will never approve
46Closed Account (applies for VISA)Issuer will never approve
51Insufficient fundsIssuer cannot approve at this time
52No checking account (applies for VISA)Issuer cannot approve at this time
53No savings account (applies for VISA)Issuer cannot approve at this time
54Expired cardIssuer cannot approve based on details provided
55Incorrect PINIssuer cannot approve based on details provided
57Transaction not permitted to cardholderIssuer will never approve
58Transaction not permitted to terminalGeneric response codes
59Suspected fraudIssuer cannot approve at this time
61Exceeds withdrawal amount limitsIssuer cannot approve at this time
62Restricted cardIssuer cannot approve at this time
63Security ViolationIssuer cannot approve based on details provided
64Transaction does not fulfill AML requirement (applies for VISA)Generic response codes
65Exceeds withdrawal frequency limitIssuer cannot approve at this time
70Contact Card Issuer (applies for MASTERCARD)Issuer cannot approve at this time
70PIN data required (applies for VISA)Issuer cannot approve based on details provided
71PIN not changed (applies for MASTERCARD)Issuer cannot approve at this time
74Different value than that used for PIN encryption errorsGeneric response codes
75Allowable PIN tries exceededIssuer cannot approve at this time
76Invalid/nonexistent “To Account” specified (applies for MASTERCARD)Generic response codes
76Unsolicited reversal (applies for VISA)Generic response codes
77Invalid/nonexistent “From Account” specified (applies for MASTERCARD)Generic response codes
78Blocked card, first time card usage (applies for VISA)Issuer cannot approve at this time
78Invalid/nonexistent account specified (applies for MASTERCARD)Generic response codes
79Life Cycle (applies for MASTERCARD)Generic response codes
79Already reversed by Switch (applies for VISA)Generic response codes
80Credit issuer unavailable (applies for MASTERCARD)Generic response codes
80No financial impact (applies for VISA)Generic response codes
81Domestic Debit Transaction Not Allowed (applies for MASTERCARD)Generic response codes
81Cryptographic error found in PIN (applies for VISA)Generic response codes
82Negative CAM, dCVV, iCVV, or CVV results (applies for VISA)Issuer cannot approve based on details provided
82Policy (applies for MASTERCARD)Generic response codes
83Fraud/Security (applies for MASTERCARD)Generic response codes
84Invalid Authorization Life Cycle (applies for MASTERCARD)Generic response codes
85No reason to declineIssuer approved
86Cannot verify PINIssuer cannot approve at this time
87Purchase amount only, no cash back allowed (applies for MASTERCARD)Issuer approved
88Cryptographic failure (applies for MASTERCARD)Generic response codes
89Unacceptable PIN (applies for MASTERCARD)Generic response codes
89Ineligible to receive financial position information (applies for VISA)Generic response codes
90Cutoff is in progress (applies for MASTERCARD)Generic response codes
91Issuer or switch is inoperativeIssuer cannot approve at this time
92Destination cannot be found for routingGeneric response codes
93Transaction cannot be completed - violation of law (applies for VISA)Issuer cannot approve at this time
94Duplicate transmission / invoiceGeneric response codes
96System malfunctionIssuer cannot approve at this time
RJDecision Black List CCIssuer cannot approve based on details provided
DADeclined AuthenticationIssuer cannot approve at this time
TOTimeoutIssuer cannot approve at this time
1AAuthentication required (applies for VISA)Issuer cannot approve based on details provided
6PVerification data failed (applies for VISA)Generic response codes
B1Surcharge amount not permitted (applies for VISA)Generic response codes
B2Surcharge amount not supported by debit network issuer (applies for VISA)Generic response codes
N0Force STIP (applies for VISA)Generic response codes
N3Cash service not available (applies for VISA)Issuer cannot approve at this time
N4Cash request exceeds issuer or approved limit (applies for VISA)Issuer cannot approve at this time
N5Ineligible for resubmission (applies for VISA)Generic response codes
N7Decline for CVV2 failure (applies for VISA)Issuer cannot approve based on details provided
N8Transaction amount exceeds preauthorized approval amount (applies for VISA)Generic response codes
P5Denied PIN unblock (applies for VISA)Generic response codes
P6Denied PIN change (applies for VISA)Generic response codes
Q1Card Authentication failed (applies for VISA)Generic response codes
R0Stop Payment Order (applies for VISA)Issuer will never approve
R1Revocation of authorization order (applies for VISA)Issuer will never approve
R2Transaction does not qualify for Visa PIN (applies for VISA)Generic response codes
R3Revocation of all authorizations order (applies for VISA)Issuer will never approve
Z3Unable to go online (applies for VISA)Generic response codes
1ZAuthorization System or issuer system inoperative (applies for MASTERCARD)Generic response codes
Modified at 2026-08-31 09:26:51
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