Card Processing (Interchange) Response Codes

Code	Description	Locks the Node	Locks the User
`IR00`	Success
`IR01`	More information is needed from the card issuer
`IR02`	Refer to card issuer's unique transaction rules
`IR03`	Not recognized as a valid merchant
`IR04`	Card not activated for transaction use
`IR05`	Suspicious activity; do not honor this card's transactions	✅
`IR06`	Error during transaction process
`IR07`	Card has unique conditions; currently not activated for transaction use
`IR08`	Needs more identification to process the transaction
`IR09`	Transaction requested; currently in progress
`IR10`	Transaction amount partially approved
`IR11`	Approved but not processed
`IR12`	Transaction invalid
`IR13`	Transaction amount invalid
`IR14`	Card number does not exist	✅
`IR15`	Card issuer does not exist	✅
`IR16`	Approved
`IR17`	Customer cancelled/reversed payment	✅
`IR18`	The customer reversed the transaction: chargeback		✅
`IR19`	Please retry the transaction
`IR20`	Response from the card processor was invalid
`IR21`	Transaction formatted incorrectly (Potential reversal detected)
`IR22`	Suspected malfunction, reversal
`IR23`	Transaction fee was unacceptable
`IR24`	File update not supported by receiver
`IR25`	Unable to locate record on file
`IR26`	Duplicate file update record, no action taken
`IR27`	File update field edit error
`IR28`	Field update record locked out
`IR29`	File update not successful, contact the acquirer
`IR30`	Transaction formatted incorrectly(Potential reversal detected)
`IR31`	Transaction must be initiated in person, bank not supported by switch"
`IR32`	Completed partially, reversal
`IR33`	Expired card, pick-up	✅
`IR34`	Suspected fraud, pick-up		✅
`IR35`	Card acceptor must contact acquirer, pick-up
`IR36`	Restricted card, pick-up	✅
`IR37`	Merchant must contact the card security
`IR38`	PIN tried too many times; request a new card or try again later	✅
`IR39`	No credit account tied to credit card
`IR40`	Function requested can not be carried out
`IR41`	Lost card: request a new card	✅
`IR42`	Account tied to card is not universal
`IR43`	Stolen card: request a new card	✅
`IR44`	Investment account not on required
`IR45` - `IR50`	Reserved for ISO use
`IR51`	Insufficient funds (NSF)
`IR52`	Checking account not associated with the card
`IR53`	Savings account not associated with the card
`IR54`	Card Expired: request a new card	✅
`IR55`	Pin tried is incorrect
`IR56`	No record of the validity of the card
`IR57`	Transaction not permitted to cardholder
`IR58`	Transaction denied by acceptor (Potential chargeback detected)
`IR59`	Fraud suspected		✅
`IR60`	Merchant must contact the card acquirer
`IR61`	Transaction exceeds card limits
`IR62`	Card restricted
`IR63`	Card information compromised(Potential chargeback detected)
`IR64`	Original amount incorrect, reversal
`IR65`	Current transactions exceeds withdrawal frequency limit
`IR66`	Merchant must contact the card acquirer
`IR67`	Hard capture
`IR68`	Response received too late, reversal
`IR69` - `IR74`	Reserved for ISO use
`IR75`	Allowable number of PIN tries exceeded
`IR76`	Key synchronization error
`IR77`	Reserved for private use
`IR78`	Customer not eligible for POS
`IR79`	Invalid digital signature
`IR80`	Stale date transaction
`IR81`	Issuer requested standin
`IR82`	Count exceeds limit
`IR83`	Reserved for private use
`IR84`	Time limit for pre-authorization reached
`IR85`	Issuer has no reason to decline the transaction (Account Verification)
`IR86`	Cannot verify PIN
`IR87`	Check already posted
`IR88`	Card information not on file
`IR89`	Security code verification failed
`IR90`	Card cutoff is in progress
`IR91`	Card change in progress or not taking effect
`IR92`	Intermediate network/financial institution is unknown
`IR93`	Transaction is in violation of the law and will not be completed
`IR94`	Duplicate transaction
`IR95`	Error with transaction reconciliation
`IR96`	System error during transaction
`IR97` - `IR98`	Reserved for national use
`IR99`	Card network error during transaction
`IR100` - `IR126`	Reserved for ISO use
`IR127`	SEC is invalid
`IR128`	Address and verification check data is required for this transaction
`IR129`	Security code date is required for the transaction
`IR130` - `IR131`	Transaction not permitted to cardholder
`IR132`	Country of the card issuer is blocked by this merchant
`IR133`	Incorrect MAC was sent
`IR134`	Standard Entry Class requirements were not met
`IR135`	System error during transaction
`IR136`	Account length error
`IR137`	Card information error
`IR138`	Security code format error
`IR139`	Internal authorization error
`IR140`	Card product code is blocked
`IR141`	Attempt to process a BRIC transaction on a prior PIN based transaction
`IR142`	CyberSource Time Out Connection to CyberSource timed out
`IR143`	CARD_ENT_METH supplied is not valid or required additional data not provided as defined
`IR144`	CARD_ID is not valid
`IR145`	Required PIN block not present
`IR146`	Card Bin is not valid for pinless routing
`IR147`	Signature store did not complete
`IR148`	Debit PIN transactions must be swiped
`IR149`	DB proxy response was not processed within the time out period
`IR150`	Transaction declined by merchant to security code mismatch
`IR151`	Transaction not allowed as per a validation rule
`IR152`	Processing gateway full: poll again later
`IR153`	Authorization life cycle unacceptable
`IR154`	Authorization life cycled expired
`IR155`	Card authentication failed
`IR156`	Fraudulent transaction prior to embossed valid date
`IR157`	Credit not received
`IR158`	Allowable PAN entries warning -- approved
`IR159`	Transaction approved with card overdraft protection
`IR160`	Security code is invalid
`IR161`	Internal transaction processing error
`IR162`	Check not acceptable for cash
`IR163`	Check not acceptable
`IR164`	Check deposit limit exceeded
`IR165`	Cash back limit exceeded
`IR166`	Check amount does not match courtesy amount
`IR167`	PIN not selected for card
`IR168`	PIN already selected for card
`IR169`	Unmatched voucher information
`IR170`	Card number entered too many times	✅
`IR171`	Expiration date not valid for card	✅
`IR172`	Card status is set to inactive
`IR173`	Expiration date mismatch: request a new card	✅
`IR174`	Item suspected for stop pay
`IR175`	Account associated with card was closed
`IR176`	Account associated with card is ineligible for the transaction
`IR177`	Duplicate transaction
`IR178`	No account associated with card on file
`IR179`	Unable to locate card
`IR180`	Transaction denied
`IR181`	Transaction settled via ACH
`IR182`	Cross-reference card not found
`IR183`	Category limit exceeded
`IR184`	Transaction limit exceeded
`IR185`	Daily limit exceeded
`IR186`	Monthly limit exceeded
`IR187`	Invalid secret code	✅
`IR188`	Pin key sync error
`IR189`	Bad security code
`IR190`	Transaction ordered to be stopped
`IR191`	Transaction authorization revoked
`IR192`	Stop reoccurring payments
`IR193`	Card lost: do not honor
`IR194`	Account associated with the card is closed
`IR195`	Account associated with the card is inactive
`IR196`	Card has unique conditions: do not honor
`IR197`	Purchase only approval for purchase with cash back transaction
`IR198`	Card does not have sufficient funds for the transaction fees (NSF Card)
`IR199`	Card chip failed during transaction
`IR200`	PIN compromised	✅
`IR201`	MasterCard MoneySend Error: Incorrect Expiration date
`IR202`	MasterCard MoneySend Error: Card declined due to an unknown reason
`IR203`	MasterCard MoneySend Error: Card declined due to unsupported card type
`IR204`	MasterCard MoneySend Error: Card declined due to an unknown reason
`IR205`	MasterCard MoneySend Error: Card declined due to an unknown Reason
`IR206`	MasterCard MoneySend Error: Card transaction request has an unknown status
`IR999` UNAUTHORIZED RETURN PRICING APPLIES	Chargeback return. Refer to Chargeback Rates for more details

In Sandbox the relevant node or user may be locked automatically. For more details, refer to Interchange Transaction Sandbox Test Values.