Merchant Codes for instore carding

Merchant Codes:

  • 00 Approved
  • 01 Refer to Card Issuer
  • 02 Refer to Card Issuer, special condition
  • 03 Invalid Merchant
  • 04 Pick up card
  • 05 Do not honor
  • 06 Error
  • 07 Pick up card, special condition
  • 08 Honor with identification
  • 09 Request in progress
  • 10 Approval for partial amount
  • 11 Approved VIP
  • 12 Invalid Transaction
  • 13 Invalid Amount
  • 14 Invalid card number
  • 19 Re-enter transaction
  • 21 No action taken
  • 30 Format Error
  • 41 Lost card Pick up
  • 43 Stolen card Pick up
  • 51 Not sufficient funds
  • 52 No checking account
  • 53 No savings account
  • 54 Expired card
  • 55 Pin incorrect
  • 57 Transaction not allowed for cardholder
  • 58 Transaction not allowed for merchant
  • 61 Exceeds withdrawal amount limit
  • 62 Restricted card
  • 63 Security violation
  • 65 Activity count limit exceeded
  • 75 Pin tries exceeded
  • 76 Unable to locate previous
  • 77 Inconsistent with original
  • 78 No account
  • 80 Invalid transaction date
  • 81 Cryptographic PIN error
  • 84 Pre-authorization time to great
  • 86 Cannot verify PIN
  • 89 MAC error
  • 91 Issuer unavailable
  • 92 Invalid receiving institution id
  • 93 Transaction violates law
  • 94 Duplicate transaction
  • 96 System malfunction

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