POS terminal codes

[Teacher]

54 Expired card Expired card. Refusal.
55 Pin incorrect Invalid PIN. Refusal
57 Transaction not allowed for cardholder Refusal
58 Transaction not allowed for merchant This card type is not serviced. Withdrawal
61 Exceeds withdrawal amount limit The withdrawal limit has been exceeded. Refusal
62 Restricted card Restricted card. Failure
63 Security violation Call AC
65 Activity count limit exceeded Failure
75 Pin tries exceeded Bad PIN counter overflowed. Refusal.
76 Unable to locate previous Call AC
77 Inconsistent with original Call AC
78 No account Call CA
80 Invalid transaction date Call AC
81 Cryptographic PIN error Call AC
84 Pre-authorization time to great Call AC
86 Cannot verify PIN Call in AC
89 MAC error Invalid MAC code. Call AC
91 Issuer unavailable Issuing bank unavailable
92 Invalid receiving institution id Call AC
93 Transaction violates law Transaction illegal
94 Duplicate transaction Repeated transaction
96 System malfunction Call AC
08 Honor with identification Call AC
09 Request in progress Call AC
10 Approval for partial amount Call AC
11 Approved VIP Call AC
12 Invalid Transaction Call AC
13 Invalid Amount Incorrect amount
14 Invalid card number Invalid card number
19 Re-enter transaction Repeated transaction (copy)
21 No action taken Call AC
30 Format Error Call AC
41 Lost card Pick up Lost card - withdraw, call AC
43 Stolen card Pick up Stolen card - withdraw, call AC
51 Not sufficient funds
52 No checking account Cancellation
53 No savings account Cancellation
54 Expired card Expired card. Refusal.
55 Pin incorrect Invalid PIN. Refusal
57 Transaction not allowed for cardholder Refusal
58 Transaction not allowed for merchant This type of card is not supported . Withdrawal
61 Exceeds withdrawal amount limit The withdrawal limit has been exceeded. Refusal
62 Restricted card Restricted card. Failure
63 Security violation Call AC
65 Activity count limit exceeded Failure
75 Pin tries exceeded Bad PIN counter overflowed. Refusal.
76 Unable to locate previous Call AC
77 Inconsistent with original Call AC
78 No account Call AC
80 Invalid transaction date Call AC
81 Cryptographic PIN error Call AC
84 Pre-authorization time to great Call AC
86 Cannot verify PIN Call in AC
89 MAC error Invalid MAC code. Call AC
91 Issuer unavailable Issuing bank unavailable
92 Invalid receiving institution id Call AC
93 Transaction violates law Transaction illegal
94 Duplicate transaction Repeated transaction
96 System malfunction Call AC

6 Checking 372733173261005 00 EXACT MATCH (Y) | Amount2.19 P - it reads like this -
00 Approved-
EXACT MATCH - address and zip match
$ 2.19 - the authorized amount, they are not withdrawn, but it is checked whether it is possible to pay so much now
P - CVV not checked
if M - to CVV matches

Message Codes

Approved

00-Approved (Success)

10-Approval for partial amount (Call auth. Center)

11-Approved VIP (Call auth. Center)
Declined

01-Refer to Card Issuer ( Call auth. Center)
02-Refer to Card Issuer, special condition (Call auth. Center)
04-Pick up card (Pickup card, call auth center)
05-Do not honor (Reject transaction)
06-Error (Call auth. Center)
07-Pick up card, special condition (pickup card, call auth.center)

12-Invalid Transaction (Call auth. Center)
14-Invalid card number (Wrong card #)
41-Lost card Pick up (Lost card - pick up, call auth.center)
43-Stolen card Pick up (Stolen card - pick up, call auth.center)
51-Not sufficient funds (not enough funds on card)
52-No checking account ( Reject)
53-No savings account (Reject)
54-Expired card
57-Transaction not allowed for cardholder (Reject)
62-Restricted card
63-Security violation (Call auth. Center)
65-Activity count limit exceeded (Reject)
78-No account (Call auth. center)
80-Invalid transaction date (Call auth. Center)
91-Issuer unavailable (Issuing bank unavailable)
93-Transaction violates law (Transaction break laws)

EA-Account Length Error

EB-Wrong CC Number

N7-CVV2 Mismatch

03-Invalid Merchant ID ( Checker Is Down)
AVS Check

NO MATCH (N) -Address Street And Zip Code Is No Match

ZIP MATCH (Z) -Zip Code Is Mach Address Street Is Not Mach

ADDRESS MATCH (A) - Address Street Is Match Zip Is No Match
EXACT MATCH (Y) - Street And Zip Match

(F) -Street And Zip Match (UK CC)
VER UNAVAILABLE (G) -AVS Is Not Supported, Not US Card

VER UNAVAILABLE (C) -AVS Is Not Supported, Not US Card

VER UNAVAILABLE (D) -AVS Is Not Supported, Not US Card

VER UNAVAILABLE (U) -AVS Is Not Supported
CVV Check

M-CVV Is Match

N-CVV Is No Match

 

[Tomcat]

AC - Authorization Center

Positive response - code 00.
Transaction completed successfully. The client can confidently sign the check.

Code Name
00 Approved Successful transaction
01 Refer to Card Issuer Call AC
02 Refer to Card Issuer, special condition Call AC
03 Invalid Merchant Call AC
04 Pick up card Withdraw card, call AC
05 Do not honor Rejection
06 Error Call AC AC
07 Pick up card, special condition Withdraw card, call Positive
08 Honor with identification Call AC
09 Request in progress Call AC
10 Approval for partial amount Call AC
11 Approved VIP Call AC
12 Invalid Transaction Call AC
13 Invalid Amount Incorrect amount
14 Invalid card number Invalid card number
19 Re-enter transaction Repeated transaction (copy)
21 No action taken Call AC
30 Format Error Call AC
41 Lost card Pick up Lost card - withdraw , call AC
43 Stolen card Pick up Stolen card - withdraw, call AC
51 Not sufficient funds Insufficient funds
52 No checking account Refusal
53 No savings account Refusal
54 Expired card Expired card. Refusal.
55 Pin incorrect Invalid PIN. Refusal
57 Transaction not allowed for cardholder Refusal
58 Transaction not allowed for merchant This card type is not serviced. Withdrawal
61 Exceeds withdrawal amount limit The withdrawal limit has been exceeded. Refusal
62 Restricted card Restricted card. Failure
63 Security violation Call AC
65 Activity count limit exceeded Failure
75 Pin tries exceeded Bad PIN counter overflowed. Refusal.
76 Unable to locate previous Call AC
77 Inconsistent with original Call AC
78 No account Call CA
80 Invalid transaction date Call AC
81 Cryptographic PIN error Call AC
84 Pre-authorization time to great Call AC
86 Cannot verify PIN Call in AC
89 MAC error Invalid MAC code. Call AC
91 Issuer unavailable Issuing bank unavailable
92 Invalid receiving institution id Call AC
93 Transaction violates law Transaction illegal
94 Duplicate transaction Repeated transaction
96 System malfunction Call AC
08 Honor with identification Call AC
09 Request in progress Call AC
10 Approval for partial amount Call AC
11 Approved VIP Call AC
12 Invalid Transaction Call AC
13 Invalid Amount Incorrect amount
14 Invalid card number Invalid card number
19 Re-enter transaction Repeated transaction (copy)
21 No action taken Call AC
30 Format Error Call AC
41 Lost card Pick up Lost card - withdraw, call AC
43 Stolen card Pick up Stolen card - withdraw, call AC
51 Not sufficient funds
52 No checking account Cancellation
53 No savings account Cancellation
54 Expired card Expired card. Refusal.
55 Pin incorrect Invalid PIN. Refusal
57 Transaction not allowed for cardholder Refusal
58 Transaction not allowed for merchant This type of card is not supported . Withdrawal
61 Exceeds withdrawal amount limit The withdrawal limit has been exceeded. Refusal
62 Restricted card Restricted card. Failure
63 Security violation Call AC
65 Activity count limit exceeded Failure
75 Pin tries exceeded Bad PIN counter overflowed. Refusal.
76 Unable to locate previous Call AC
77 Inconsistent with original Call AC
78 No account Call AC
80 Invalid transaction date Call AC
81 Cryptographic PIN error Call AC
84 Pre-authorization time to great Call AC
86 Cannot verify PIN Call in AC
89 MAC error Invalid MAC code. Call AC
91 Issuer unavailable Issuing bank unavailable
92 Invalid receiving institution id Call AC
93 Transaction violates law Transaction illegal
94 Duplicate transaction Repeated transaction
96 System malfunction Call AC
old library вне форума Ответить с цитированием
6 Checking 372733173261005 00 EXACT MATCH(Y)|Amount2.19 P - eto chitaetsa tak -
00-Approved
EXACT MATCH - adres i zip sovpadaet
$2.19 - avtorizuemaya summa, t.e. ne snimaetsa, a proveryaetsa - mozhno li seichas proplatit' stolko to
P - CVV ne proveryalsa
esli M - to CVV sovpadaet

a voobshe
Message Codes

Approved

00-Approved (Success)

10-Approval for partial amount (Call auth. center)

11-Approved VIP (Call auth. center)
Declined

01-Refer to Card Issuer (Call auth. center)
02-Refer to Card Issuer, special condition (Call auth. center)
04-Pick up card (Pickup card, call auth center)
05-Do not honor (Reject transaction)
06-Error (Call auth. center)
07-Pick up card, special condition (pickup card, call auth.center)

12-Invalid Transaction (Call auth. center)
14-Invalid card number (Wrong card #)
41-Lost card Pick up (Lost card - pick up, call auth.center)
43-Stolen card Pick up (Stolen card - pick up, call auth.center)
51-Not sufficient funds (not enough funds on card)
52-No checking account (Reject)
53-No savings account (Reject)
54-Expired card
57-Transaction not allowed for cardholder (Reject)
62-Restricted card
63-Security violation (Call auth. center)
65-Activity count limit exceeded (Reject)
78-No account (Call auth. center)
80-Invalid transaction date (Call auth. center)
91-Issuer unavailable (Issuing bank unavailable)
93-Transaction violates law (Transaction break laws)

EA-Account Length Error

EB-Wrong CC Number

N7-CVV2 Mismatch

03-Invalid Merchant ID (Checker Is Down)
AVS Check

NO MATCH (N)-Address Street And Zip Code Is No Match

ZIP MATCH (Z)-Zip Code Is Mach Address Street Is Not Mach

ADDRESS MATCH (A)- Address Street Is Match Zip Is No Match
EXACT MATCH (Y)- Street And Zip Match

(F)-Street And Zip Match (UK CC)
VER UNAVAILABLE (G)-AVS Is Not Supported, Not US Card

VER UNAVAILABLE (C)-AVS Is Not Supported, Not US Card

VER UNAVAILABLE (D)-AVS Is Not Supported, Not US Card

VER UNAVAILABLE (U)-AVS Is Not Supported
CVV Check

M-CVV Is Match

N-CVV Is No Match

P-CVV Did't Checked

U-Check Of CVV Is No Supported By Bank

 

[Investor]

POS Terminal Codes: The Complete Underground Reference Guide​

A comprehensive, practical guide to understanding the most common POS/ATM response codes and what they actually mean for you when you're cashing out.

Introduction​

Bro, these codes are your lifeline when you're out in the field. A piece of paper with them is what separates a pro from someone who panics when they see "Pick up card." You need to understand not just what each code means — but what you should do when you encounter it.

This is the codebook you need, distilled from years of grinding at ATMs and POS terminals.

Approved Codes​

Code	Meaning	Response
00	Approved	Success. The transaction went through.
08	Honor with identification	Call authorization center for a manual approval
09	Request in progress	The transaction is pending. Wait.
10	Approval for partial amount	Partial approval; the full amount wasn't authorized
11	Approved VIP	VIP approval; no further action needed
19	Re-enter transaction	The system wants you to retry the transaction
21	No action taken	The issuer didn't respond

Soft Declines (You Can Try Again)​

Code	Meaning	Action
12	Invalid Transaction	Call authorization center. Something is wrong with the transaction type.
13	Invalid Amount	You're trying to withdraw more than allowed or a number that doesn't make sense
14	Invalid card number	You've got the wrong card number. Double-check it.
30	Format Error	The data formatting is wrong; call authorization center
76	Unable to locate previous	The system can't find the previous transaction; call AC
77	Inconsistent with original	Something doesn't match the original authorization; call AC
78	No account	The account doesn't exist; call AC
80	Invalid transaction date	The date is wrong; call AC
81	Cryptographic PIN error	Your PIN is scrambled or can't be verified; call AC
84	Pre-authorization time too great	The pre-authorization took too long; call AC
86	Cannot verify PIN	The system can't check the PIN; call AC
89	MAC error	The MAC code is invalid; call AC
92	Invalid receiving institution id	Wrong ID; call AC
94	Duplicate transaction	You've already run this exact transaction; call AC
96	System malfunction	The system is down or broken; call AC

Hard Declines (Do Not Retry)​

Code	Meaning	Action
01	Refer to Card Issuer	Call authorization center; this is a referral
02	Refer to Card Issuer, special condition	Call AC for special conditions
03	Invalid Merchant	The merchant account is invalid; check the merchant ID
04	Pick up card	IMMEDIATE ACTION: Get the card out of the terminal and leave. The ATM has flagged the card.
05	Do not honor	Transaction rejected. This is the most common hard decline. Try a different card.
06	Error	A general error occurred; call AC
07	Pick up card, special condition	Pick up and leave; the card is flagged
41	Lost card Pick up	CRITICAL: The card is reported lost. Take it and leave.
43	Stolen card Pick up	CRITICAL: The card is reported stolen. Take it and leave.
51	Not sufficient funds	Card is empty. Don't waste more time on it.
52	No checking account	The account doesn't exist or isn't valid
53	No savings account	The account doesn't exist or isn't valid
54	Expired card	The card is expired. It's dead.
55	Pin incorrect	The PIN is wrong. Try a different one or move on.
57	Transaction not allowed for cardholder	The cardholder isn't authorized for this type of transaction
58	Transaction not allowed for merchant	This card type isn't accepted by this merchant
61	Exceeds withdrawal amount limit	You're exceeding the card's withdrawal limit
62	Restricted card	The card is restricted or frozen
63	Security violation	WARNING: The system has flagged this as a security risk; leave
65	Activity count limit exceeded	Too many transactions have been run on this card
75	Pin tries exceeded	The PIN was entered incorrectly too many times. The card is now locked.
91	Issuer unavailable	The issuing bank is down; try another card or come back later
93	Transaction violates law	The transaction is illegal or forbidden

Special Codes​

Code	Meaning
EA	Account Length Error — the account number is the wrong length
EB	Wrong CC Number — the credit card number is invalid
N7	CVV2 Mismatch — the CVV code doesn't match what the bank has on file
03	Invalid Merchant ID — the merchant ID is wrong; the checker is down

AVS & CVV Response Breakdown​

AVS (Address Verification Service) Codes

Code	Meaning
N	NO MATCH: Address street and ZIP code don't match
Z	ZIP MATCH: ZIP matches, street doesn't
A	ADDRESS MATCH: Street matches, ZIP doesn't
Y	EXACT MATCH: Street and ZIP both match
F	Street and ZIP match (UK cards)
G	AVS unavailable: Not US card (international)
C	AVS unavailable: Not US card (international)
D	AVS unavailable: Not US card (international)
U	AVS unavailable

CVV/CVV2 Check Codes​

Code	Meaning
M	CVV matches the bank's records — success
N	CVV does NOT match — failure
P	CVV was NOT checked or processed
U	CVV check is not supported by the issuing bank

What You Should Actually Do​

Situation	Action
00 (Approved)	Sign the check, take the receipt, and leave normally
04/07/41/43 (Pick up)	Take the card and leave immediately. Don't run, just walk out. The terminal has flagged the card.
05 (Do not honor)	Try a different card. This one is dead for this merchant.
51 (Insufficient funds)	Discard the card; it's empty.
54 (Expired)	Discard the card; it's expired.
55 (PIN wrong)	Try another PIN if you have one. If not, move on.
61 (Limit exceeded)	Try a smaller amount, or move to another card.
75 (PIN tries exceeded)	The card is locked. It's dead.

Final Conclusion​

Bro, these codes tell you exactly what's happening. The difference between a successful operator and a beginner is knowing when to keep going and when to walk.

The Golden Rule: The minute you see a "Pick up" code (04, 07, 41, 43), you pick up the card and leave. That terminal just flagged you. And if you see "Security violation" (63), the system is watching. Get out.

Use this reference guide, and you'll operate like a pro.