Reference Data · ISO 8583
ISO 8583 Response Codes
Look up ISO 8583 authorization response codes and their meanings.
ISO 8583 Response Codes
Look up ISO 8583 response codes (DE39) and recommended actions.
33 codes
Lookup
ISO 8583 DE39 carries the issuer/switch decision. Codes below are the common base set; individual acquirers may remap values.
Result
Code05
Action
Declined
RetryableYes
| Field | Value |
|---|---|
| Meaning | Do not honor |
| Action | Declined |
| Retryable | Yes — merchant may retry |
| Cardholder message | Your bank declined this transaction. Please contact your card issuer. |
Cardholder message: Your bank declined this transaction. Please contact your card issuer.
Acquirer variations
| Acquirer | Meaning |
|---|---|
| Some acquirers map 05 to generic decline | Most common decline; issuer did not provide specific reason |
All response codes
Approved1
Declined11
Pickup card5
Error14
| Code | Meaning | Action | Retryable |
|---|---|---|---|
| 00 | Approved or completed successfully | Approved | No — do not retry |
| 01 | Refer to card issuer | ReferToIssuer | Yes — merchant may retry |
| 02 | Refer to card issuer, special condition | ReferToIssuer | Yes — merchant may retry |
| 03 | Invalid merchant | Error | No — do not retry |
| 04 | Pickup card | PickupCard | No — do not retry |
| 05 | Do not honor | Declined | Yes — merchant may retry |
| 06 | Error | Error | Yes — merchant may retry |
| 07 | Pickup card, special condition | PickupCard | No — do not retry |
| 12 | Invalid transaction | Error | No — do not retry |
| 13 | Invalid amount | Error | No — do not retry |
| 14 | Invalid card number | Error | No — do not retry |
| 15 | No such issuer | Error | No — do not retry |
| 19 | Re-enter transaction | Error | Yes — merchant may retry |
| 30 | Format error | Error | No — do not retry |
| 39 | No credit account | Declined | No — do not retry |
| 41 | Lost card | PickupCard | No — do not retry |
| 43 | Stolen card | PickupCard | No — do not retry |
| 51 | Not sufficient funds | Declined | Yes — merchant may retry |
| 54 | Expired card | PickupCard | No — do not retry |
| 55 | Incorrect PIN | Error | Yes — merchant may retry |
| 57 | Transaction not permitted to cardholder | Declined | No — do not retry |
| 58 | Transaction not permitted to terminal | Declined | No — do not retry |
| 61 | Exceeds withdrawal limit | Declined | Yes — merchant may retry |
| 62 | Restricted card | Declined | No — do not retry |
| 63 | Security violation | Declined | No — do not retry |
| 65 | Exceeds withdrawal frequency | Declined | Yes — merchant may retry |
| 75 | Allowable number of PIN tries exceeded | Error | No — do not retry |
| 91 | Issuer or switch inoperative | Error | Yes — merchant may retry |
| 92 | Financial institution or intermediate network facility cannot be found for routing | Error | Yes — merchant may retry |
| 93 | Transaction cannot be completed — violation of law | Declined | No — do not retry |
| 94 | Duplicate transmission | Error | No — do not retry |
| 96 | System malfunction | Error | Yes — merchant may retry |
| N7 | Suspected fraud (decline; pickup may be requested) | Declined | No — do not retry |