June 25, 2019


Code Description Comments
000 Approval
103 Format Error Invalid merchant or service provider
111 First possible transaction allowed by card must be PIN Change The card was used in a transaction, by its default PIN, While Change PIN should be done first.
130 Invalid format The transaction has invalid message format. After the transaction authorization, the terminal or external host will declined the response
178 Original request not found Returned if the voucher is not found for the particular phone number sent on the request of cash out voucher, the phone number entered isn’t the same as the one used to generate the voucher.
158 Invalid processing code 1. The statement account has no information 2. The statement transaction request is disabled.
161 Withdrawal limit exceeded The transaction authorizer withdrawal limit is exceeded.
191 Destination not available The transaction destination (e.g. bank or biller) is unreachable, or didn’t respond during timeout period. In case of timeout with a biller, there is a chance that biller provided actual service to customer, so debited amount won’t be reversed.
194 Duplicate transaction
196 System error 1. Unexpected error occurred in the system 2. Bad PIN block format
201 Contact Card Issuer Contact your card issuer (Bank).
205 External decline The external system, e.g. biller, has declined the transaction, usually because provided customer data are not accepted. E.g. wrong phone number for top-up transactions. Or e.g. Bank has declined the transaction, for: -Routing error -Ineligible account
251 Insufficient fund Customer doesn’t have enough balance
281 Wrong customer information Mostly used to indicate wrong customer payment info that is not accepted by the biller, or a missing parameter of the “PersonalPaymentInfo” field.
338 PIN tries limit exceeded Tries to enter PIN has been exceeded. Number of trials is bigger than the limit defined
355 Invalid PIN 1. PIN entered was wrong 2. Bad CVV
375 PIN Tries Limit Reached Customer reached the max allowed number of wrong PIN entries
362 Encryption error For future use, but its returned in case of invalid MAC (Message authentication code)
389 Invalid terminal ID the terminal id is successfully configured in TWO but not in Merchant DB .or the protocol version in TWO is not the one used in POSs(currently used version is 0)
412 Invalid transaction The transaction is not allowed for the profile of this customer
413 Merchant limit exceeded Acquirer Limit is Exceeded
467 Invalid amount
514 Invalid track 2 Invalid card due to invalid track2
536 Restricted card Card status is “Restricted”
540 Transaction not supported Transaction not supported by bank
541 Lost card
543 Stolen card
550 Closed card
552 Declared card
554 Expired card
465 Uses Limit Exceeded
600 Invalid client Id client Id field format was violated
601 Invalid Card Number Format Card Number field format was violated
602 Invalid Expiry Date Format Expiry Date field format was violated
603 Format Error There is a missing parameter of the transaction request, or invalid request in general.
604 Invalid Currency Code Currency Code field format was violated
605 Invalid Account Format Account field format was violated
606 Invalid System Trace Audit Number Format System Trace Audit Number field format was violated
607 Invalid Personal Payment Information Format Personal Payment Information field format was violated
608 Invalid Payee Identification
609 Invalid Phone Number Format Phone Number field format was violated
610 Invalid voucher number Format voucher number field format was violated
611 Invalid Transaction Date Format Transaction Date field format was violated
615 Invalid Service Id
616 Invalid original transaction system trace audit number Format original transaction system trace audit number field format was violated
617 MCS Time out
618 This service cannot be reversed Service id cannot be reversed
619 Invalid Terminal Id Format Terminal Id field format was violated
620 Invalid PIN Format PIN field format was violated
621 Invalid Amount Format Amount field format was violated
622 Invalid Cash Back Amount Format Cash Back Amount field format was violated
632 MCS Invalid Cash out Transaction due to Invalid voucher length
633 MCS invalid track2 track2 field format was violated
636 Invalid entityId entityId field format was violated
637 Invalid entityType entityType field format was violated
638 Invalid channelType channelType field format was violated
696 MCS System Error Unexpected error in MCS -Merchant
300 Biller Declined Transaction Biller Rejected Transaction – Check billerResponseCode for more clarification
301 Unresolved Transaction Due to Biller TimeOut Transaction is under processing in biller side and timeout occurred between payment gateway and biller
302 Biller Destination is Unavailable or Unreachable Biller is down or unreachable at the moment.
303 Payment Declined Invalid Invoice Invoice Number is Invalid
304 Payment Declined Wrong Add Data Additional Data Submitted with Invoice are Invalid
305 Payment Declined Already Paid Invoice is already paid
306 Payment Declined Wrong Amount Invoice is declined due to wrong amount
641 Invalid Original STAN Format Original STAN is in invalid format
642 Transaction Not Found Original Transaction not found