Error Levels Error Level Description Response. These errors are triggered by business rules or invalid data before the transaction is

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3 Document Notes Error Levels Error Level Description These errors are triggered by business rules or invalid data before the transaction is Code Level 1 commited to the gateway's database or sent to the networks. A Transaction ID is not generated if these errors are triggered. 3 Transactions that have been accepted by the gateway and forwarded to the Level 2 networks and later declined due to various reasons (i.e. Insufficient Funds). This also includes soft declines for AVS and CVV mismatch if enabled by the merchant in 2 Recommendations for Developers 1 Any error response based logic should use the and the, not the Reason Text. The Reason Text can change but the s and the s cannot Page 3

4 Level 1 Error Codes 01E GENERAL ERROR RECEIPT VALUE SHOULD BE TRUE OR FALSE GATEWAY CONNECTION PROBLEM.RETRY NETCONNECT ERROR 0101 SECURENET ID IS REQUIRED 0102 SECURENET KEY IS REQUIRED 0103 SECURENET ID IS INVALID 0104 SECURE KEY IS INVALID FOR SECURENET ID PROVIDED 0105 TEST VALUE SHOULD BE TRUE OR FALSE 0106 ORDER ID IS REQUIRED 0107 TRANSACTION AMOUNT IS REQUIRED 0108 METHOD VALUE SHOULD BE SPECIFIED 0109 TRANSACTION TYPE CODE IS INVALID 0111 MERCHANT ACCOUNT IS INACTIVE 0112 DEBIT KEY SERIAL NUMBER(KSN) IS REQUIRED 0113 <VARIABLE> IS NOT ALLOWED ON CHECK21 TRANSACTION 0114 DEBIT PIN IS REQUIRED 0115 DEBIT PIN IS INVALID 0116 <VARIABLE> IS NOT ALLOWED ON DEBIT TRANSACTION 0117 <VARIABLE> IS NOT VALID STORED VALUE TRANSACTION 0118 CUSTOMER ID IS REQUIRED 0119 CUSTOMER ID MUST EXIST TO UPDATE ACCOUNT 0120 PAYMENT ID IS REQUIRED 0121 PAYMENT ID SHOULD BE UNIQUE FOR EXISTING CUSTOMER ID 0122 PAYMENT ID DOES NOT EXIST FOR THE CUSTOMER ID 0123 CUSTOMER ID MUST BE UNIQUE 0124 CUSTOMER ID DOES NOT EXIST 0125 SECURENET ID SHOULD BE NUMERIC 0126 TRANSACTION ID SHOULD BE NUMERIC 0130 MERCHANT ACCOUNT IS NOT VALID 0131 MERCHANT ACCOUNT IS NOT ENABLED FOR MOTO TRANSACTIONS 0132 MERCHANT ACCOUNT IS NOT ENABLED FOR ECOM TRANSACTIONS 0133 UNLINKED CREDIT NOT ENABLED FOR THE MERCHANT 0134 NO APPROVED TRANSACTION EXISTS TO VOID FOR THE ORDER ID PROVIDED 0135 CAN NOT RERUN A TRANSACTION FOR A CARD-PRESENT TYPE TRANSACTION 0136 REFERENCE TRANSACTION MUST BE SUBMITTED WITHIN 90 DAYS 0137 INDUSTRY TYPE IS NOT SUPPORTED FOR ASSIGNED PROCESSOR 0138 SETTLED TRANSACTIONS CANNOT BE MODIFIED 0139 AN APPROVED TRANSACTION IS REQUIRED IN ORDER TO CHANGE IT TO AUTH_ONLY 0140 <VARIABLE> NUMBER IS INVALID. ACCURACY OF THE CARD CANNOT BE VALIDATED 0141 <VARIABLE> NUMBERS ARE INVALID Page 4

5 0142 CARD TYPE COULD NOT BE IDENTIFIED 0143 BILL PAYMENT TRANSACTION IS NOT ALLOWED FOR RECURRING OR INSTALLMENT 0144 MERCHANT IS NOT ENABLED TO SEND LEVEL III TRANSACTIONS 0145 ADDRESS INFORMATION WITH ZIP CODE SHOULD BE PROVIDED FOR AVS_VERIFICATION CHECK 0146 NO MOTO/ECOM TRANSACTION FOR RETAIL MERCHANT ON THE NASHVILLE PLATFORM 0147 NO MOTO TRANSACTIONS FOR ECOM MERCHANT OTHER THAN RECURRING TRANSACTIONS 0151 MERCHANT IS NOT ENABLED FOR DEBT REPAYMENT 0152 INVALID MARKET SPECIFIC DATA 0153 INSTALLMENT_SEQUENCENUM AND TOTAL_INSTALLMENTCOUNT RANGE INSTALLMENT SEQUENCE NUMBER CANNOT BE GREATER THAN TOTAL INSTALLMENT COUNT 0156 <VARIABLE> TRANSACTION IS NOT ALLOWED 0157 PAYMENT ID HAS TO BE ALPHANUMERIC 0158 CUSTOMER ID HAS TO BE ALPHANUMERIC 0159 LAST 4 DIGITS OF THE CREDIT CARD DO NOT MATCH FOR UPDATE 0160 BILLING ADDRESS (AT LEAST ZIP CODE) HAS TO BE SUPPLIED FOR ACCOUNT VERIFICATION 0161 VAULT IS NOT ENABLED FOR THE MERCHANT 0162 INVOICE NUMBER IS REQUIRED FOR CERIDIAN 0163 STORE NUMBER IS REQUIRED FOR CERIDIAN 0164 LENGTH OF CREDIT CARD NUMBER IS NOT VALID 0165 PARTIAL VOID IS NOT SUPPORTED 0167 UPDATE NOT ALLOWED FOR THIS TRANSACTION 0168 UPDATE NOT ALLOWED FOR LEVEL III PRODUCTS 0169 ONLY AN APPROVED TRANSACTION CAN BE UPDATED 0171 VAULT OVERRIDEFROM FLAG VALUE IS INVALID 0172 HEALTH CARE TRANSACTIONS ARE SUPPORTED BY VISA AND MASTERCARD ONLY 0173 TOTAL FOR HEALTHCARE ITEMS CANNOT BE GREATER THAN THE TRANSACTION AMOUNT 0174 AT LEAST ONE HEALTHCARE ITEM IS REQUIRED 0175 MERCHANT IS NOT ENABLED FOR HEALTHCARE TRANSACTIONS 0176 PARTIAL VOID IS NOT ALLOWED FOR HEALTHCARE TRANSACTIONS 0178 THIS CARD IS NOT ELIGIBLE FOR HEALTHCARE TRANSACTIONS 01A1 01A11 AMOUNT IS INVALID VALID HOTEL EXTRA CHARGE AMOUNT IS REQUIRED 01A2 AMOUNT CANNOT BE GREATER THAN $999, A3 01A4 01A5 01A6 01A7 01A8 01A9 01ACH0 VALID AMOUNT IS REQUIRED CASH BACK AMOUNT IS INVALID VALID CASH BACK AMOUNT IS REQUIRED GRATUITY AMOUNT IS INVALID VALID GRATUITY AMOUNT IS REQUIRED ROOM RATE AMOUNT IS INVALID VALID ROOM RATE AMOUNT IS REQUIRED MERCHANT IS NOT ENABLED FOR ACH TRANSACTIONS Page 5

6 01ACH10 MICRDATA NOT RECEIVED FOR CHECK21 TRANSACTIONS 01ACH11 4 ACH AMOUNT LIMIT IS EXCEED FOR SEC CODE 01ACH11 1 ACH SEC CODE IS NOT SUPPORTED 01ACH13 ACCOUNT VERIFICATION IS NOT ENABLED FOR THE SERVICE PROVIDER 01ACH14 01ACH15 SEC CODE PROVIDED CANNOT BE USED FOR CREDIT TRANSACTIONS BANK ACCOUNT HOLDER NAME IS REQUIRED 01ACH TERMINAL DATA IS REQUIRED FOR POS TRANSACTIONS 01ACH TERMINAL ID IS REQUIRED FOR POS TRANSACTIONS 01ACH TERMINAL CITY IS REQUIRED FOR POS TRANSACTIONS 01ACH TERMINAL STATE IS REQUIRED FOR POS TRANSACTIONS 01ACH TERMINAL LOCATION IS REQUIRED FOR POS TRANSACTIONS 01ACH17 01ACH18 01ACH19 01ACH20 AMOUNT FOR CHECK CONVERSION MUST NOT BE GREATHER THAN $25,000 PER ACH TRANSACTION CHECK CONVERSION TRANSACTIONS (ARC, BOC, POP) MUST HAVE A UNIQUE CHECK NUMBER MICR DATA HAS ON-US INFORMATION WHICH IS NOT ALLOWED FOR THE SEC CODE MICR DATA IS REQUIRED FOR THE SEC CODE 01ACH21 01ACH22 CUSTOMER IP ADDRESS IS REQUIRED FOR THE SEC CODE WEB SEC CODE PROVIDED DOES NOT MATCH THE ORIGINAL TRANSACTION 01ACH23 01ACH3 01ACH8 01B7 01B8 01C0 01C1 01C2 01C3 10 SEC CODE IS REQUIRED FOR ACH TRANSACTIONS BANK NAME IS REQUIRED THIS BANK ACCOUNT IS BLOCKED DUE TO PREVIOUS RETURN BANK ACCOUNT DOES NOT MATCH FOR <VARIABLE> ACCOUNT TYPE DOES NOT MATCH FOR <VARIABLE> MERCHANT ACCOUNT IS NOT SET FOR CARD PRESENT TRANSACTIONS CREDIT CARD NUMBER IS REQUIRED CREDIT CARD EXPIRATION MONTH AND YEAR IS REQUIRED (CARDTYPE NAME) NUMBERS ARE INVALID. ACCURACY OF THE CARD CANNOT BE VALIDATED. 01C3 1 CARD NUMBER IS NOT SPECIFIED 01C3 6 CREDIT CARD HAS EXPIRED 01C3 7 DEBIT CARD IS NOT VALID 01C3 4 EXPIRY DATE HAS TO BE IN MMYY FORMAT 01C3 5 EXPIRY DATE IS NOT A VALID DATE 01C3 2 NOT A VALID CARD NUMBER 01C3 9 STORED VALUE CARD IS NOT VALID 01C3 8 THE CARD CODE IS INVALID 01C3 3 THE CARD CODE(CVV2/CVC2/CID) IS INVALID 01C4 01C6 01C7 01C8 CARD EXPIRATION MONTH AND YEAR MUST BE IN MMYY FORMAT INVALID TRACK DATA TRACK DATA SHOULD NOT BE PRESENT FOR CARD-NOT-PRESENT TRANSACTIONS CARD NUMBER HAS TO BE NUMERIC Page 6

7 01C9 01CK210 01D1 01F1 01H8 01O1 01O2 01O3 01R1 01R12 01R13 01R2 01R3 01R4 01R5 01R6 01R7 01R8 01R9 01R914 01V1 01V2 01V4 MERCHANT DOES NOT ACCEPT MERCHANT IS NOT ENABLED FOR CHECK21 TRANSACTIONS DEBIT CARD NEEDS TO BE SWIPED SERVER NO CANNOT BE GREATER THAN 8 CHARACTERS NOC RECIEVED, INVALID BANK INFORMATION PREVIOUS TRANSACTION ID IS REQUIRED PROVIDED ORDER ID MUST BE UNIQUE FOR YOUR SECURENET ID PROVIDED ORDER ID MUST BE EQUAL OR LESS THAN 25 CHARACTERS TRANSACTION ID DOES NOT EXIST FOR <VARIABLE> INVALID DATA,SIGNATURE CANNOT BE SAVED INVALID DATA,CHECK21 FRONT IMAGE CANNOT BE SAVED CREDIT AMOUNT CANNOT BE GREATER THAN THE AUTHORIZED AMOUNT CREDIT CANNOT BE COMPLETED ON A UNSETTLED TRANSACTION CREDIT CANNOT BE COMPLETED ON A <VARIABLE > TRANSACTION INVALID TRANSACTION ID FOR <VARIABLE> CREDIT OR VOID HAS TO BE DONE IN THE SAME TEST MODE CREDIT CARD DOES NOT MATCH FOR <VARIABLE> CREDIT CANNOT BE PERFORMED ON TRANSACTIONS MORE THAN 180 DAYS OLD PRIOR_AUTH_CAPTURE CANNOT BE PERFORMED ON TRANSACTIONS 30 DAYS OR OLDER INVALID DATA,CHECK21 BACK IMAGE CANNOT BE SAVED SETTLED TRANSACTIONS CANNOT BE VOIDED TRANSACTION HAS ALREADY BEEN VOIDED AMOUNT CANNOT BE GREATER THAN THE AUTHORIZED AMOUNT 01V5 01V6 01V7 PARTIAL VOID IS NOT ALLOWED FOR RETAIL INDUSRTY ONLY APPROVED TRANSACTIONS CAN BE VOIDED AMOUNT CANNOT BE GREATER THAN THE SETTLED AMOUNT 0O02 NO OF PETROLEUM ITEMIZED PRODUCTS CANNOT EXCEED 9 0O03 0O05 0O06 0O07 0O08 0O09 0O10 0O11 PETROLEUM PRODUCT CODE IS INVALID INVALID UNIT PRICE PRODUCT QUANTITY IS NOT IN VALID FORMAT INVALID PRODUCT QUANTITY INVALID PRODUCT CODE FOR FUEL ONLY CARD INVALID PRODUCT AMOUNT PRODUCT AMOUNT IS INVALID FOR UNIT PRICE AND QUANTITY PROVIDED TAX AMOUNT IS REQUIRED 0O12 0O15 1A10 1A11 TOTAL PRODUCT AMOUNT IS NOT EQUAL TO TRANSACTION AMOUNT ITEMIZED PRODUCTS ARE REQUIRED HOTEL EXTRA CHARGE AMOUNT IS INVALID VALID HOTEL EXTRA CHARGE AMOUNT IS REQUIRED Page 7

8 1A12 AUTO EXTRA CHARGE AMOUNT IS INVALID 1A15 CASH BACK AMOUNT CANNOT BE GREATER THAN $100 1A16 1DB0 CASH BACK AMOUNT CANNOT BE GREATER OR EQUAL TO TRANSACTION AMOUNT MERCHANT IS NOT ENABLED FOR DEBIT TRANSACTIONS 1SV0 MERCHANT IS NOT ENABLED FOR STORED VALUE TRANSACTIONS AB00 CALCULATION ERROR AB03 AB TYPE IS REQUIRED AB04 MAX RETRIES MUST BE BETWEEN 0 AND 5 AB05 START DATE IS REQUIRED AB06 INVALID START DATE AB07 INACTIVE, EXPIRED OR NON-EXISTING PLAN CANNOT BE ADJUSTED AB08 INVALID CUSTOMER ID FOR THIS ACCOUNT AB09 NO RECURRING INFORMATION PROVIDED AB10 NO VARIABLE INFORMATION PROVIDED AB11 NO INSTALLMENT INFORMATION PROVIDED AB13 AB CYCLE IS REQUIRED AB14 INVALID AB CYCLE (W,M,B,Q,Y) AB15 INVALID FREQUENCY AB16 INVALID AB DAY (0-28) AB17 INVALID AB MONTH (0-12) AB18 INVALID AB WEEKDAY (0-7) AB19 INVALID NO END DATE FLAG (0, 1) AB20 VALID END DATE IS REQUIRED AB21 END DATE MUST BE AFTER START DATE AB22 AB AUTO CALCULATION OPTION IS REQUIRED AB23 INVALID AB AUTO CALCULATION OPTION (A, M) AB24 INVALID AB REMAINDER OPTION (0, 1) AB25 INVALID AB NUMBER OF PAYMENTS AB26 INSTALLMENT AMOUNT MINIMUM IS 1.00 AB27 INVALID FIX AMOUNT AB28 INVALID AB FIX OPTION (0, 1) AB29 AB PLAN NOT FOUND AB30 END DATE CANNOT BE BEFORE CURRENT DATE AB31 END DATE IS REQUIRED WHEN NO END FLAG = 0 AB32 INVALID END DATE AB33 AB34 AB35 AB36 AB37 AB38 AB39 START DATE CANNOT BE CHANGED ONCE PLAN IT HAS STARTED START DATE CANNOT BE BEFORE TOMORROW PLAN ID IS REQUIRED AB TYPE CANNOT BE CHANGED AB SCHEDULE IS REQUIRED INVALID SCHEDULE SCHEDULED PAYMENT COUNLD NOT BE FOUND Page 8

9 AB40 AB41 AB42 AB43 AB44 AB45 AB46 AB47 AB48 AB49 AB50 AB51 AB52 AB53 AB54 AB55 AB56 AB58 AB59 AB60 AB62 AB63 AB64 AB65 AB66 AB67 AB68 AB69 AB70 AB71 AB72 INVALID PAYMENT AMOUNT INSTALLMENT DATE IS REQUIRED INVALID INSTALLMENT DATE INVALID INSTALLMENT NUMBER INVALID NUMBER OF RETRIES PAID STATUS CANNOT BE UPDATED INSTALLMENT NUMBER CANNOT BE UPDATED NUMBER OF RETRIES CANNOT BE UPDATED PAYMENT DATE CANNOT BE UPDATED PLAN ID CANNOT BE UPDATED PROCESSED FLAG CANNOT BE UPDATED VARIABLE SCHEDULE IS REQUIRED TRANSACTION ID CANNOT BE UPDATED PAID TRANSACTIONS CANNOT BE UPDATED PROCESSED TRANSACTIONS CANNOT BE UPDATED INSTALLMENT DATE CANNOT BE BEFORE TOMORROW INSTALLMENT DATE MUST BE INBETWEEN THE PREVIOUS AND NEXT INSTALLMENT DATES INVALID AB TYPE ERROR SAVING AB PLAN ERROR SAVING AB SCHEDULE CUSTOMER ID OR PAYMENT ID DOES NOT EXIST OR INVALID SCHEDULED PAYMENT CANNOT BE BLANK ONLY NEXT SCHEDULED PAYMENT CAN BE ADJUSTED FOR RECURRING TYPES SCHEDULED PAYMENT CANNOT BE UPDATED DUE TO PROCESS STATUS ONLY AMOUNT CAN BE UPDATED FOR RECURRING SCHEDULE CHANGE INVALID SCHEDULE ID (ONLY NEXT PAYMENT CAN BE ADJUSTED FOR RECURRING TYPE) ONLY ONE SCHEDULED PAYMENT CAN BE UPDATED AT A TIME SCHEDULE ID IS REQUIRED CANNOT EXCEED 99 INSTALLMENTS INSTALLMENT NUMBER IS REQUIRED BALLOON SCHEDULED PAYMENT AMOUNT CANNOT BE CHANGED AB73 AB74 AB75 ACD0 ACD1 LAST SCHEDULED PAYMENT AMOUNT CANNOT BE CHANGED NO PLANS FOUND AB IS NOT ENABLED FOR THIS SECURENET ID ACDI (ACCOUNT DUPLICATE INDICATOR) VALUE SHOULD BE SPECIFIED AS 0,1,2 OR 3 NO ACCOUNT ADDED, DUPLICATE ACCOUNT NUMBER ACD2 DUPLICATE ACCOUNT - USING DUPLICATE CHECK INDICATOR 2 ACD3 ACD4 AO01 DUPLICATE ACCOUNT - USING DUPLICATE CHECK INDICATOR 3 WITH TOKEN RESPONSE M EXISTING ACCT NO/TOKEN COMBINATION PREFERRED CUSTOMER VALUE IS INVALID - AUTO RENTAL Page 9

10 AO04 AO05 AO06 AO07 AO08 AO09 AUTO RENTAL SALE CODE IS INVALID AUTO RENTAL EXTRA CHARGE INDICATOR IS INVALID RENTAL DATETIME IS REQUIRED RETURN DATETIME IS REQUIRED RENTAL DATETIME IS INVALID RETURN DATETIME IS INVALID AO10 2 INVALID RENTAL AND RETURN DATES AO10 1 RENTAL DATETIME IS REQUIRED AO11 AO15 AO16 AO17 AO18 CA01 VALID AUTO EXTRA CHARGE AMOUNT IS REQUIRED RENTAL STATE IS INVALID RETURN STATE IS INVALID RENTAL STATE MUST BE VALID 2 CHARACTER ABBREVIATION RETURN STATE MUST BE VALID 2 CHARACTER ABBREVIATION AUTHORIZATION CODE IS REQUIRED CA02 AUTHORIZATION CODE LENGTH HAS TO BE 6 CA03 CA04 CDI1 CHECK02 AUTHORIZATION CODE MISMATCH MISSING AUTHORIZATION CODE INVALID VALUE FOR CUSTOMER DUPLICATE INDICATOR (CSDI) 9-DIGIT BANK ABA ROUTING NUMBER IS REQUIRED CHECK03 CHECK04 CHECK05 CHECK06 CHECK07 CHECK08 CHECK09 CHECK11 CHECK12 9 DIGIT ABA ROUTING NUMBER OF THE BANK HAS TO BE NUMERIC VALID 9-DIGIT BANK ABA ROUTING NUMBER IS REQUIRED ACCOUNT NUMBER IS REQUIRED BANK ACCOUNT NUMBER HAS TO BE NUMERIC INVALID BANK ACCOUNT NUMBER CHECK NUMBER IS REQUIRED CHECK NUMBER MUST BE NUMERIC BANK ACCOUNT TYPE IS REQUIRED: CHECKING OR SAVINGS OR BCHECK OR BSAVE BANK ACCOUNT TYPE SHOULD BE SPECIFIED AS CHECKING OR SAVINGS OR BCHECK OR BSAVE CHECK13 INVALID ADDITIONAL INFO VALUE. SHOULD BE EITHER 00, 01 or 02 CHECK14 CHECK15 CHECK16 CHECK17 CHECK18 DCT02 DCT03 E2E03 E2E04 E2E06 E2E07 EBT01 EBT02 INVALID VALUE OF SEC CODE FOR BUSINESS ACCOUNT CERTEGY IS NOT ENABLED FOR THE MERCHANT SEC CODE IS NOT ALLOWED FOR PERSONAL CHECKING/SAVINGS ACCOUNT SEC CODE IS NOT ALLOWED FOR VAULT ACCOUNT MERCHANT IS NOT ENABLED FOR CHECK21 TRANSACTIONS APPROVED DUPLICATE INDICATOR VALUE IS INVALID INVALID KSN TRACK DATA IS REQUIRED INVALID DECRYPTION CHECK TRANSACTION NOT SUPPORTED MERCHANT IS NOT ENABLED FOR EBT TRANSACTIONS INVALID TRANSACTION CODE FOR EBT Page 10

11 EBT03 EBT04 EBT05 EBT06 EBT07 HO01 HO02 HO03 HO04 HO05 HO06 HO07 HO08 HO09 HO10 L201 L202 L203 L2A1 L2A2 L2A3 L2A4 L2D2 L2D3 L301 L302 L303 L307 L309 L314 L316 L317 L318 L319 L320 L321 L322 L323 L324 L325 L326 INVALID ADDITIONAL INFO DATA IN MERCHANT_KEY OBJECT INVALID ADDITIONAL INFO DATA IN CARD OBJECT CARD SHOULD BE SWIPED FOR EBT AUTH_CAPTURE TRANSACTIONS EBT IS NOT SUPPORTED FOR THE SELECTED PROCESSOR INVALID INDUSTRY SPECIFIC DATA. ONLY CARD PRESENT TRANSACTIONS ARE ALLOWED FOR EBT PREFERRED CUSTOMER VALUE IS INVALID - HOTEL HOTEL CHARGE TYPE IS REQUIRED HOTEL CHARGE TYPE IS INVALID HOTEL SALE CODE IS INVALID HOTEL EXTRA CHARGE INDICATOR IS INVALID HOTEL CHECK IN DATE IS REQUIRED HOTEL CHECK OUT DATE IS REQUIRED HOTEL CHECK IN DATE IS INVALID HOTEL CHECK OUT DATE IS INVALID INVALID CHECK IN AND CHECK OUT DATES TAX TYPE VALUE IS INVALID FOR LEVEL II TRANSACTIONS PURCHASE ORDER NUMBER IS REQUIRED FOR LEVEL II TRANSACTIONS TAX AMOUNT IS REQUIRED IF TAX IS INCLUDED FOR LEVEL II TRANSACTIONS TAX AMOUNT IS INVALID FOR LEVEL II TRANSACTIONS TAX AMOUNT HAS TO BE BETWEEN 0.01% AND 22% OF THE AUTHORIZED AMOUNT FOR LEVEL II TRANSACTIONS VALID TAX AMOUNT IS REQUIRED FOR LEVEL II TRANSACTIONS TAX AMOUNT CANNOT BE GREATER THAN $99,999 FOR LEVEL II TRANSACTIONS DUTY AMOUNT CANNOT BE GREATER THAN $99,999 FOR LEVEL II TRANSACTIONS VALID DUTY AMOUNT IS REQUIRED FOR LEVEL II TRANSACTIONS MERCHANT VAT REGISTRATION NUMBER IS REQUIRED PURCHASER VAT REGISTRATION NUMBER IS REQUIRED VAT INVOICE REF NUMBER IS REQUIRED ALTERNATE TAX AMOUNT INDICATOR IS INVALID NATIONAL TAX AMOUNT INDICATOR IS INVALID PURCHASER ORDER DATE IS INVALID PRODUCT ITEM CODE IS REQUIRED PRODUCT ITEM NAME IS REQUIRED PRODUCT UNIT PRICE IS REQUIRED PRODUCT UNIT PRICE IS INVALID PRODUCT QUANTITY IS REQUIRED PRODUCT QUANTITY IS INVALID PRODUCT DISCOUNT INDICATOR IS INVALID PRODUCT DISCOUNT RATE IS INVALID PRODUCT DISCOUNT AMOUNT IS INVALID PRODUCT TAX RATE IS INVALID PRODUCT TAX AMOUNT IS INVALID Page 11

12 L327 L329 L330 L331 M01 M02 M03 M04 P004 P005 P006 P2P01 P2P02 P2P03 P2P04 P2P05 P2P06 P2P07 P2P08 P2P09 P2P10 P2P11 P2P12 P2P13 P2P14 P2P15 P2P16 P2P17 P2P18 P2P19 P2P20 P2P21 P2P22 P2P23 PA10 PA12 PAC1 PRODUCT TOTAL AMOUNT IS INVALID PRODUCT GROSS NET INDICATOR IS INVALID TRANSACTION AMOUNT AND LEVEL III PRODUCTS TOTAL AMOUNT DOES NOT MATCH TOTAL LEVEL III ITEMS TAX AMOUNT DOES NOT MATCH WITH TRANSACTION TAX AMOUNT METHOD SHOULD BE THE SAME UNDER ACCOUNT AND TRANSACTION OBJECTS CARD INFORMATION SHOULD BE THE SAME UNDER ACCOUNT AND TRANSACTION OBJECTS CHECK INFORMATION SHOULD BE THE SAME UNDER ACCOUNT AND TRANSACTION OBJECTS SEC CODE SHOULD BE THE SAME UNDER ACCOUNT AND TRANSACTION OBJECTS VEHICLE NUMBER SHOULD NOT BE MORE THAN 5 CHARACTERS ODOMETER SHOULD NOT BE MORE THAN 6 CHARACTERS DRIVER/JOBNUMBER SHOULD NOT BE MORE THAN 6 CHARACTERS CANNOT CREATE A NEW P2P KEY UNTIL WAIT PERIOD EXPIRES INVALID ENCRYPTION KEY ID INVALID ENCRYPTION MODE INVALID P2P KEY SIZE INVALID P2P KEY LIFETIME INVALID P2P PUBLIC KEY INVALID P2P KEY CONFIRMATION STRING P2P KEY DOES NOT EXIST INVALID P2P PRIVATE KEY INVALID P2P KEY STATUS P2P KEY ACTIVATION TIMEOUT - P2P KEY TERMINATED INVALID P2P KEY INVALID ENCRYPTION TEXT CLIENT P2P KEY DOES NOT MATCH SYSTEM P2P KEY - P2P KEY TERMINATED INVALID P2P TRANSACTION METHOD INVALID ACCOUNT INFORMATION NO ACTIVE P2P KEYS ENCRYPTED STRING MUST BE BASE-64 ENCODED INVALID P2P ENCRYPTION INFORMATION P2P DATA ERROR INVALID P2P KEY FLAG CONFIRMATION ATTEMPTS EXCEEDED - P2P KEY TERMINATED P2P KEY ID REQUIRED TRANSACTION AMOUNT FOR VOID CANNOT BE GREATER THAN PREVIOUSLY AUTHORIZED AMOUNT CAPTURE AMOUNT CANNOT BE GREATER THAN PREVIOUSLY AUTHORIZED AMOUNT TRANSACTION IS ALREADY CAPTURED Page 12

13 PAC4 PAC5 PAC6 PAC7 PAC8 PAC9 PD01 PD05 PD06 PD07 PD09 PD14 PD16 <VARIABLE> IS INVALID FOR THIS TERMINAL AUTH_INCREMENT IS VALID FOR VISA ONLY AMEX TRANSACTIONS CANNOT BE REVERSED TRANSACTION CANNOT BE CAPTURED (DOES NOT MEET THE CRITERIA) TRANSACTION CANNOT BE INCREMENTED (DOES NOT MEET THE CRITERIA) TRANSACTION IS ALREADY VOIDED PIN-LESS DEBIT CARD NUMBER IS REQUIRED PIN-LESS DEBIT CARD EXPIRATION MONTH AND YEAR ARE REQUIRED PIN-LESS DEBIT CARD EXPIRATION MONTH AND YEAR ARE REQUIRED IN MMYY FORMAT PIN-LESS DEBIT TRANSACTION TYPE IS INVALID IS NOT ALLOWED ON PIN-LESS DEBIT TRANSACTIONS ONLINE CREDIT IS NOT ENABLED CARD IS NOT ELIGIBLE FOR PIN-LESS DEBIT TRANSACTIONS PR01 PR02 RB01 RB02 RB03 PRODUCT COLLECTION MUST CONTAIN AT LEAST ONE PRODUCT LEVEL III PRODUCT COLLECTION MUST CONTAIN AT LEAST ONE LEVEL III PRODUCT RECURRING AMOUNT IS REQUIRED RECURRING AMOUNT IS INVALID VALID RECURRING AMOUNT IS REQUIRED RB04 RECURRING AMOUNT CANNOT BE GREATER THAN $99,9999 RB05 RB06 RB07 RB08 RB09 RB10 RB11 RB12 RB14 RECURRING BILLING START DATE IS REQUIRED RECURRING BILLING START DATE IS INVALID RECURRING BILLING START DATE CANNOT BE LESS THAN OR EQUAL TO CURRENT DATE SPECIFY RECURRING BILLING HAS END DATE, YES OR NO RECURRING BILLING HAS END DATE SHOULD BE YES OR NO RECURRING BILLING END DATE IS INVALID RECURRING BILLING END DATE CANNOT BE LESS THAN OR EQUAL TO START DATE SPECIFY RECURRING BILLING PERIOD,Y YEARLY,M MONTHLY,W WEEKLY RECURRING BILLING PERIOD HAS TO BE Y YEARLY,M MONTHLY,W WEEKLY RB15 RB16 RB17 RB18 RB19 RB20 RB21 RB22 SPECIFY RECURRING BILLING DAY BASED ON THE BILLING PERIOD RECURRING BILLING DAY HAS TO BE A NUMBER RECURRING BILLING DAY CAN BE BETWEEN 1-SUNDAY TO 7- SATURDAY WEEKLY BILLING SPECIFY RECURRING BILLING MONTH BASED ON THE BILLING PERIOD RECURRING BILLING MONTH HAS TO BE A NUMBER SPECIFY RECURRING BILLING ACCOUNT AS ACTIVE, YES OR NO CUSTOMER ID SHOULD BE SPECIFIED FOR SAVE OR RECURRING RECORD CUSTOMER ID SHOULD BE UNIQUE FOR SAVE OR RECURRING RECORD Page 13

14 RB23 RB24 RB25 RB26 RB27 RB28 RB29 RB30 RB31 RB32 RB33 RB34 RB35 RB36 SH200 PASSWORD SHOULD BE PROVIDED FOR THE USERNAME FOR SAVE OR RECURRING RECORD USERNAME SHOULD BE UNIQUE FOR SAVE OR RECURRING RECORD TRANSACTION TYPE CANNOT BE CREDIT,FORCE_CREDIT, VOID DURING SAVING OR RECURRING SPECIFY RECURRING BILLING PERIODICITY FOR THE SPECIFIED RBPERIOD RECURRING BILLING PERIODICITY HAS TO BE A NUMBER RECURRING BILLING PERIODICITY CAN BE BETWEEN 1 TO 3 FOR (Y) RECURRING BILLING PERIODICITY CAN BE BETWEEN 1 TO 51 FOR (W) RECURRING BILLING PERIODICITY CAN BE BETWEEN 1 TO 11 FOR (M) RECURRING NEXT BILLING DATE IS REQUIRED RECURRING NEXT BILLING DATE IS INVALID RECURRING NEXT BILLING DATE CANNOT BE LESS THAN OR EQUAL TO CURRENT DATE RECURRING BILLING END DATE IS REQUIRED RECURRING BILLING DAY CAN BE BETWEEN 1 TO 28 OR 0 FOR MONTH END RECURRING BILLING MONTH CAN BE BETWEEN 1 AND 12 FOR YEARLY BILLING CANNOT UPDATE ACCOUNTINFO TO NON-PRIMARY, CUSTOMER ID REQUIRES A PRIMARY ACCOUNT. Page 14

15 Common Level 1 Error Codes Area Error Explanation Action to be Taken GENERAL ERROR GLOBAL An Internal sytem error occurred which could be triggered by Retry transaction, if the error persists contact Support several factors GATEWAY CONNECTION PROBLEM.RETRY GLOBAL An Internal connection error occurred which could be triggered by Retry transaction, if the error persists contact Support several factors NETCONNECT ERROR GLOBAL Applicable to Paymentech Only Retry transaction, if the error persists contact Support 0101 SECURENET ID IS REQUIRED GLOBAL SecureNet ID is not present in the transaction data. A valid Add the assigned SecureNet ID to the transaction data and resend SecureNet ID is required to process all API transactions SECURENET KEY IS REQUIRED GLOBAL SecureNet Key is not present in the transaction data. A valid SecureNet Key is required to process all API transactions. Add the corresponding SecureNet Key to the transaction data and resend. Verify the Key on Virtual Terminal. The SecureNet Key should be tied to the specific SecureNet ID 0103 SECURENET ID IS INVALID GLOBAL The SecureNet ID provided is invalid Verify the assigned SecureNet ID, add to the transaction data and resend 0104 SECURE KEY IS INVALID FOR SECURENET ID PROVIDED GLOBAL The SecureNet Key provided doesn't match the SecureNet ID provided Verify the assigned SecureNet ID and SecureNet Key, add to the transaction data and resend 0106 ORDER ID IS REQUIRED TRANSACTION Order ID is not present in the transaction data. A unique Order ID is Add an Order ID to the transaction data and resend required to process all API transactions 0108 METHOD VALUE SHOULD BE SPECIFIED GLOBAL A METHOD indicator was not specified for the transaction Please refer to section 4 of the "Gateway Implementation Guide v4.1.2" for a complete list of values that can be used for the METHOD indicator. Resend transaction with valid indicator TRANSACTION TYPE CODE IS INVALID GLOBAL A valid TRANSACTION TYPE CODE was not specified for the transaction Please refer to the Apedix section M of the "Gateway Implementation Guide v4.1.2" for a complete list of values that can be used for TRANSACTION TYPE CODE. Resend transaction with valid code CUSTOMER ID IS REQUIRED VAULT Customer ID is not present in the transaction data. Add a Customer ID to the transaction data and resend 0119 CUSTOMER ID MUST EXIST TO UPDATE ACCOUNT VAULT The Customer ID provided is doesn't exist in the Vault. Verify the Customer ID value, add to the transaction data and resend 0120 PAYMENT ID IS REQUIRED VAULT Payment ID is not present in the transaction data. Add a Payment ID to the transaction data and resend 0121 PAYMENT ID SHOULD BE UNIQUE FOR EXISTING CUSTOMER ID VAULT Payment IDs must be unique for a specific Customer ID Verify the Payment ID value is unique for the Customer ID, add to the transaction data and resend 0122 PAYMENT ID DOES NOT EXIST FOR THE CUSTOMER ID VAULT Payment IDs must be unique and must exist for a specific Customer ID Verify the Payment ID value is exists for the Customer ID, add to the transaction data and resend 0123 CUSTOMER ID MUST BE UNIQUE VAULT Customer IDs must be unique for a specific SecureNet ID Verify the Customer ID value is unique in the Vault, add to the transaction data and resend 0124 CUSTOMER ID DOES NOT EXIST VAULT Customer IDs must exist in the Vault in order to process certain Vault transactions Verify the Customer ID value exists in the Vault, add to the transaction data and resend 0131 MERCHANT ACCOUNT IS NOT ENABLED FOR MOTO TRANSACTIONS GLOBAL The merchant account must be enabled for MOTO in order to Contact Merchant support process this type of transactions 0132 MERCHANT ACCOUNT IS NOT ENABLED FOR ECOM TRANSACTIONS TRANSACTION The merchant account must be enabled for ECOM in order to process this type of transactions Contact Merchant support 0133 UNLINKED CREDIT NOT ENABLED FOR THE MERCHANT TRANSACTION The merchant account must be enabled to allow UNLINKED CREDITS Contact Merchant support in order to process this type of transactions 0138 SETTLED TRANSACTIONS CANNOT BE MODIFIED TRANSACTION Once a transaction has been settled it cannot be modified No action can be taken 0144 MERCHANT IS NOT ENABLED TO SEND LEVEL III TRANSACTIONS TRANSACTION The merchant account must be enabled to allow LEVEL III in order to Contact Merchant support process this type of transactions 0152 INVALID MARKET SPECIFIC DATA TRANSACTION A valid MARKET SPECIFIC DATA indicator was not specified for the transaction and is required for specialized transactions like Bill Payment and Healthcare Please refer to section 5.3.1/MARKETSPECIFICDATA of the "Gateway Implementation Guide v4.1.2" for a complete list of values that can be used for the MARKET SPECIFIC DATA indicator. Resend transaction with valid indicator <VARIABLE> TRANSACTION IS NOT ALLOWED TRANSACTION The merchant account must be enabled in order to process this type Contact Merchant support of transactions 0157 PAYMENT ID HAS TO BE ALPHANUMERIC VAULT Payment ID must be alphanumeric only, no special characters other than dash (-) Make sure the value for Payment ID does not include any special characters, add to the transaction data and resend Page 15

16 Area Error Explanation Action to be Taken 0158 CUSTOMER ID HAS TO BE ALPHANUMERIC VAULT Customer ID must be alphanumeric only, no special characters other Make sure the value for Cutomer ID does not include any special than dash (-) characters, add to the transaction data and resend 0161 VAULT IS NOT ENABLED FOR THE MERCHANT VAULT The merchant account must be enabled to allow VAULT in order to Contact Merchant support process vault related transactions 01ACH0 MERCHANT IS NOT ENABLED FOR ACH TRANSACTIONS ACH The merchant account must be enabled to allow ACH in order to Contact Merchant support process this type of transactions 01ACH11 1 ACH SEC CODE IS NOT SUPPORTED ACH The merchant account must be enabled to allow specific SEC codes Contact Merchant support in order to process this type of ACH transactions CHECK04 VALID 9-DIGIT BANK ABA ROUTING NUMBER IS REQUIRED ACH A valid ABA routing number was not specified and is required for all Verify the ABA routing number, add to the transaction data and resend ACH transactions 01ACH15 BANK ACCOUNT HOLDER NAME IS REQUIRED ACH A name in the Bank Account's Holder Name field was not provided and is required for all ACH transactions Add the Bank Account Holder's name to the transaction data and resend 01ACH20 MICR DATA IS REQUIRED FOR THE SEC CODE ACH MICR data was not provided and the specified SEC code requires it in order to process the transaction. Bank Account information must be obtained using a check scanner device. Scan the check using a check scanner to retrieve the MICR data, add to the transaction data and resend 01ACH21 CUSTOMER IP ADDRESS IS REQUIRED FOR THE SEC CODE WEB ACH An IP Address was not provided for a ACH WEB transaction. IP Address is required for all ACH WEB transactions to comply with NACHA rules 01ACH23 SEC CODE IS REQUIRED FOR ACH TRANSACTIONS ACH A valid SEC CODE was not provided and it is required for all ACH transactions 01ACH3 BANK NAME IS REQUIRED ACH The Bank name was not provided and is required for all ACH transactions 01ACH8 THIS BANK ACCOUNT IS BLOCKED DUE TO PREVIOUS RETURN ACH The specified Bank Account information (ABA Routing number and Bank Account number) has been blocked due to a previous return. Transactions using this information cannot be processed on this SecureNet ID. Obtain the IP Adress from the user, add to the transaction data and resend Add the correct SEC CODE to the transaction data and resend Add the Bank Name to the transaction data and resend Contact Merchant support 01C3 2 NOT A VALID CARD NUMBER TRANSACTION A valid Card number was not provided Verify the card number, add to the transaction data and resend 01C9 MERCHANT DOES NOT ACCEPT <VARIABLE> TRANSACTION The merchant account must be enabled to allow specific Card Types Contact Merchant support (Visa, MasterCard, Discover, American Express, etc) in order to process this type of transactions 01H8 NOC RECIEVED, INVALID BANK INFORMATION ACH The specified Bank Account information (ABA Routing Number, Bank Obtain the correct bank Account information - ABA routing Number, Account Number and/or Bank Account Type) has been blocked due to a NOC (Notice Of Change) received. Transactions using this Account Number and/or Bank Account Type (Checking/Savings)-, add to transaction data and resend information cannot be processed on this SecureNet ID. 01O2 PROVIDED ORDER ID MUST BE UNIQUE FOR YOUR SECURENET ID TRANSACTION The supplied Order ID was used in the last 30 days for the specific Add a unique Order ID to the transaction data and resend SecureNet ID. A unique Order ID is required (within the last 30 days) to process all API transactions 01O3 PROVIDED ORDER ID MUST BE EQUAL OR LESS THAN 25 CHARACTERS TRANSACTION The supplied Order ID must be no longer than 25 alphanumeric characters. Add a unique Order ID that is no longer than 25 alphanumeric characters to the transaction data and resend 01R3 CREDIT CANNOT BE COMPLETED ON A UNSETTLED TRANSACTION TRANSACTION Linked Credits cannot be run on unsettled transactions CREDIT can be voided before it settles. Modify the transaction data and resend 01R4 CREDIT CANNOT BE COMPLETED ON A <VARIABLE > TRANSACTION TRANSACTION Linked Credits cannot be run on the specific transaction type No action can be taken AB00 CALCULATION ERROR AUTOBILL A internal calculation error has occurred for AutoBill Verify Data submitted and Contact Technical Support AB75 AB IS NOT ENABLED FOR THIS SECURENET ID AUTOBILL The merchant account must be enabled to allow AB (Auto Bill) in Contact Merchant support order to process this type of transactions ACD0 ACDI (ACCOUNT DUPLICATE INDICATOR) VALUE SHOULD BE SPECIFIED AS 0,1,2 OR 3 VAULT The ACDI indicator provided is not valid or was not provided Please refer to the Apendix section I of the "Gateway Implementation Guide v4.1.2" for a complete list of values that can be used for the ACDI indicator. Resend transaction with valid indicator. CHECK02 9-DIGIT BANK ABA ROUTING NUMBER IS REQUIRED ACH A valid ABA Rounting Number was not provided and it is required for all ACH transactions Add a valid ABA Routing Number to the transaction data and resend Page 16

17 Area Error Explanation Action to be Taken CHECK03 9 DIGIT ABA ROUTING NUMBER OF THE BANK HAS TO BE NUMERIC ACH A valid, numeric values only, ABA Rounting Number was not provided and it is required for all ACH transactions Add a valid ABA Routing Number to the transaction data and resend CHECK04 VALID 9-DIGIT BANK ABA ROUTING NUMBER IS REQUIRED ACH A valid ABA Rounting Number was not provided and it is required for Add a valid ABA Routing Number to the transaction data and resend all ACH transactions CHECK05 ACCOUNT NUMBER IS REQUIRED ACH A valid Bank Account Number was not provided and it is required for Add a valid Bank Account Number to the transaction data and resend all ACH transactions CHECK06 BANK ACCOUNT NUMBER HAS TO BE NUMERIC ACH A valid, numeric values only, Bank Account Number was not Add a valid Bank Account Number to the transaction data and resend provided and it is required for all ACH transactions CHECK08 CHECK NUMBER IS REQUIRED ACH A check number was not provided for the ACH transaction. Certain ACH transactions require a check number in order to be processed Add a valid check number to the transaction data and resend CHECK09 CHECK NUMBER MUST BE NUMERIC ACH The check number provided for the ACH transaction is not numeric. Certain ACH transactions require a check number in order to be processed CHECK17 SEC CODE IS NOT ALLOWED FOR VAULT ACCOUNT ACH The SEC CODE provided cannot be used to save the Bank Account information in the vault CHECK18 MERCHANT IS NOT ENABLED FOR CHECK21 TRANSACTIONS GLOBAL The merchant account must be enabled to allow CHECK21 in order to process this type of transactions DCT02 APPROVED TRANSACTION This message indicates that the response object received is a copy of a previously approved transaction. The response is given based on the DCI (Duplicate Checking Indicator) provided Add a valid check number to the transaction data and resend Only PPD, CCD, WEB, and POS can be used when saving Bank Account Information in the Vault. Please add the right SEC CODE to the transaction data and resend Contact Merchant support No action required. Please refer to the Apendix section F of the "Gateway Implementation Guide v4.1.2" for a complete list of values that can be used for the DCI indicator. DCT03 DUPLICATE INDICATOR VALUE IS INVALID TRANSACTION The DCI indicator provided is not valid or was not provided Please refer to the Apendix section F of the "Gateway Implementation Guide v4.1.2" for a complete list of values that can be used for the DCI indicator. Resend transaction with valid indicator. EBT01 MERCHANT IS NOT ENABLED FOR EBT TRANSACTIONS GLOBAL The merchant account must be enabled to allow EBT (Electronic Benefits Transfer) in order to process this type of transactions Contact Merchant support EBT03 INVALID ADDITIONAL INFO DATA IN MERCHANT_KEY OBJECT GLOBAL Invalid data was sent in the ADDITIONAL INFO field for the MERCHANT_KEY Object EBT04 INVALID ADDITIONAL INFO DATA IN CARD OBJECT GLOBAL Invalid data was sent in the ADDITIONAL INFO field for the CARD Object EBT06 EBT IS NOT SUPPORTED FOR THE SELECTED PROCESSOR TRANSACTION The merchant account is enabled for EBT (Electronic Benefits Transfer) transactions but the platform/processor doesn't allow EBT transasctions to be processed through their environment PA12 CAPTURE AMOUNT CANNOT BE GREATER THAN PREVIOUSLY AUTHORIZED AMOUNT TRANSACTION The amount being captured is greated than the previously authorized amount. This capability is industry based. For the Food, Auto Rental, Hotel, and Restaurant Indrustries only. Please refer to the section 8.1 of the "Gateway Implementation Guide v4.1.2" for a complete list of values that can be used for the ADDITIONAL INFO Data in the MERCHANT_KEY Object. Resend transaction with valid data. Please refer to the section 8.2 of the "Gateway Implementation Guide v4.1.2" for a complete list of values that can be used for the ADDITIONAL INFO Data in the CARD Object. Resend transaction with valid data. Contact Merchant support PAC1 TRANSACTION IS ALREADY CAPTURED TRANSACTION The transaction being CAPTURED was already captured previously No action can be taken Reduce the Capture amount to match or be less than the previously authorized amount, add to the transaction data and resend PAC9 TRANSACTION IS ALREADY VOIDED TRANSACTION The transaction being VOIDED was already captured previously No action can be taken The <VARIABLE> tag will be replaced by appropiate information related to the transaction being processed Page 17

18 Network Error Codes Reason Reason Text Code 0000 APPROVED AND COMPLETED 0001 REFER TO ISSUER 0002 REFER TO ISSUERCASE-SPECIAL CONDITION 0003 INVALID MERCHANT ID 0004 PICK UP CARD (NO FRAUD) 0005 DO NOT HONOR 0006 GENERAL ERROR 0007 PICK UP CARD, SPECIAL CONDITION (FRAUD ACCOUNT) 0008 HONOR MASTERCARD WITH ID 0010 PARTIAL APPROVAL FOR THE AUTHORIZED AMOUNT RETURNED IN GROUP III VERSION VIP APPROVAL 0012 INVALID TRANSACTION 0013 INVALID AMOUNT 0014 INVALID CARD NUMBER 0015 NO SUCH ISSUER 0019 RE-ENTER TRANSACTION 0020 INVALID RESPONSE 0021 UNABLE TO BACK OUT TRANSACTION 0023 UNACCEPTABLE TRANSACTION FEE 0025 ACCOUNT NUMBER IS MISSING FROM THE INQUIRY 0028 FILE IS TEMPORARILY UNAVAILABLE 0030 FORMAT ERROR 0031 BANK NOT SUPPORTED BY SWITCH 0033 EXPIRED CARD;PICK UP (BUYPASS) 0034 SUSPECTED FRAUD;PICK UP (BUYPASS) 0036 RESTRICTED CARD;PICK UP (BUYPASS) 0039 NO CREDIT ACCOUNT 0040 TOTALS UNAVAILABLE LOST CARD, PICK UP (FRAUD ACCOUNT) 0042 NO UNIVERSAL ACCOUNT 0043 STOLEN CARD, PICK UP (FRAUD ACCOUNT) 0051 INSUFFICIENT FUNDS 0052 NO CHECKING ACCOUNT 0053 NO SAVINGS ACCOUNT 0054 EXPIRED CARD 0055 INCORRECT PIN 0056 NO CARD RECORD 0057 TRANSACTION NOT PERMITTED-CARD 0058 TRANSACTION NOT PERMITTED-TERMINAL 0059 SUSPECTED FRAUD 006* ERROR RESPONSE TEXT FROM CHECK SERVICE 0060 HOLD - CONTACT ACQUIRER Page 18

19 Reason Reason Text Code 0061 EXCEEDS WITHDRAWAL LIMIT 0062 INVALID SERVICE CODE, RESTRICTED 0063 SECURITY VIOLATION 0065 ACTIVITY LIMIT EXCEEDED 0066 INVALID AUTHORIZATION NUMBER 0067 PICK UP 0070 CONTACT CARD ISSUER 0071 PIN NOT CHANGED 0075 PIN TRIES EXCEEDED 0076 UNABLE TO LOCATE, NO MATCH 0077 INCONSISTENT DATA, REV., OR REPEAT 0078 NO ACCOUNT 0079 ALREADY REVERSED AT SWITCH 0080 INVALID DATE 0081 CRYPTOGRAPHIC ERROR 0082 CASH BACK LIMIT EXCEEDED 0083 CANNOT VERIFY PIN 0084 INVALID AUTHORIZATION LIFE CYCLE 0085 NO REASON TO DECLINE 0086 CANNOT VERIFY PIN 0087 PURCHASE AMOUNT ONLY, NO CASH BACK ALLOWED 0088 CRYPTOGRAPHIC FAILURE 0089 UNACCEPTABLE PIN TRANSACTION DECLINED RETRY 0090 SYSTEM ERROR 0091 ISSUER OR SWITCH IS UNAVAILABLE 0092 DESTINATION NOT FOUND 0093 VIOLATION, CANNOT COMPLETE 0094 UNABLE TO LOCATE, NO MATCH 0096 SYSTEM MALFUNCTION 00A1 INVALID VOUCHER ID 00A2 INVALID AUTHORIZATION NUMBER 00B1 SURCHARGE AMOUNT NOT PERMITTED ON VISA CARDS OR EBT FOOD STAMPS 00B2 SURCHARGE AMOUNT NOT SUPPORTED BY DEBIT NETWORK ISSUER 00CV CARD TYPE VERIFICATION ERROR 00EA VERIFICATION ERROR 00EB VERIFICATION ERROR 00EC VERIFICATION ERROR 00HV HIERARCHY VERIFICATION ERROR 00N2 INVALID AMT 00N3 CASH BACK SERVICE NOT AVAILABLE 00N4 EXCEEDS ISSUER WITHDRAWAL LIMIT 00N5 INVALID ACCT NUM 00N6 INVALID ACCT 00N7 CVV2 VALUE SUPPLIED IS INVALID 00N8 SYSTEM ERROR 00N9 INVALID TERMINAL Page 19

20 Reason Code 00P2 00P2 00P5 00P6 00Q1 00R0 00R1 Reason Text INVALID BILLER INFORMATION INVALID BILLER INFORMATION PIN CHANGE/UNBLOCK REQUEST DECLINED UNSAFE PIN CARD AUTHENTICATION FAILED CUSTOMER REQUESTED STOP OF SPECIFIC RECURRING PAYMENT CUSTOMER REQUESTED STOP OF ALL RECURRING PAYMENTS FROM SPECIFIC MERCHANT 00R3 CUSTOMER REQUESTED STOP OF ALL RECURRING PAYMENTS FROM SPECIFIC MERCHANT 00SM TRANSACTION LIMIT EXCEEDED 00SR CARD VALIDATION (CVC2/CVV2) FAILURE 00SP SPECIAL CONDITIONS (NO CAPTURE) 00T0 FIRST CHECK IS OK AND HAS BEEN CONVERTED 00T1 CHECK IS OK BUT CANNOT BE CONVERTED. THIS IS A DECLINED TRANSACTION 00T2 INVALID ABA NUMBER, NOT AN ACH PARTICIPANT 00T3 AMOUNT GREATER THAN THE LIMIT 00T4 CLOSED ACCOUNT 00T5 DUPLICATE CHECK NUMBER 00T6 MICR ERROR 00T7 TOO MANY CHECKS (OVER MERCHANT OR BANK LIMIT) 00TS SUSPECTED FRAUD AVS01 AVS MISMATCH. ADDRESS INFO DOES NOT MATCH THE BILLING ADDRESS OF CARDHOLDER * AVS02 AVS MISMATCH. ZIP CODE DOES NOT MATCH THE BILLING ADDRESS OF CARDHOLDER * AVS03 AVS MISMATCH. STREET INFO DOES NOT MATCH THE BILLING ADDRESS OF CARDHOLDER * CVV01 CARD SECURITY CODE MISMATCH 00CE SYSTEM ERROR * Soft Decline Page 20

21 Revision History Name Date API Version Revision Number 12/20/ Initial Document Reason for change Jorge Tardio 12/28/ Removed 01ACH11-3