Returned within the following response objects:

Returned within an error result object from the following requests:

Returned directly or within a successful result object from the following requests:

additional_processor_response str

Optional additional processor response information, provided as further context for the primary processor response.

amount Decimal

The amount used when verifying the card.


This field is populated if there was an error when checking AVS or the processing bank does not support AVS. Possible values:

  • S = Issuing bank does not support AVS
  • E = AVS system error

If this value is None, you will see responses in both avs_postal_code_response_code and avs_street_address_response_code.


This is populated if the processor supports the address verification system (AVS). Possible values:

  • M = Matches
  • N = Does not match
  • U = Not verified
  • I = Not provided
  • A = Not applicable
  • B = Bypass

This is populated if the processor supports the address verification system (AVS). Possible values:

  • M = Matches
  • N = Does not match
  • U = Not verified
  • I = Not provided
  • A = Not applicable
  • B = Bypass

Billing address information associated with the credit card verification.

company str

Company name.

country_name str

The country name.

extended_address str

The extended address information—such as apartment or suite number.

first_name str

The first name.

last_name str

The last name.

locality str

The locality/city.

postal_code str

The postal code.

region str

The state or province.

street_address str

The billing street address.

created_at datetime

The date/time the object was created. Returned in UTC.


Credit card information associated with the verification.


The first 6 digits of the credit card, known as the bank identification number (BIN).


The type of the credit card. Possible values:

  • American Express
  • Carte Blanche
  • China UnionPay
  • Discover
  • Elo
  • JCB
  • Laser
  • Maestro
  • MasterCard
  • Solo
  • Switch
  • Visa
  • Unknown
cardholder_name str

The cardholder name associated with the credit card.

commercial enum

Whether the card type is a commercial card and is capable of processing Level 2 transactions. Possible values:

  • CreditCard.Commercial.Yes
  • CreditCard.Commercial.No
  • CreditCard.Commercial.Unknown
country_of_issuance str

The country that issued the credit card. Possible country values follow ISO 3166-1.

The value Unknown will be returned if we cannot immediately determine the card's country of issuance from the bank identification number (BIN).

customer_location enum

This is "US" if the billing address is in the US or if a country is not specified. The location is "International" if the billing country passed is not the US. Possible values:

  • CreditCard.CustomerLocation.International
  • CreditCard.CustomerLocation.US
debit enum

Whether the card is a debit card. Possible values:

  • CreditCard.Debit.Yes
  • CreditCard.Debit.No
  • CreditCard.Debit.Unknown
durbin_regulated enum

A value indicating whether the issuing bank's card range is regulated by the Durbin Amendment due to the bank's assets. Possible values:

  • CreditCard.DurbinRegulated.Yes
  • CreditCard.DurbinRegulated.No
  • CreditCard.DurbinRegulated.Unknown
expiration_month str

The expiration month of the credit card used, formatted MM.

expiration_year str

The expiration year of the credit card used, formatted YYYY.

healthcare enum

Whether the card is a healthcare card. Possible values:

  • CreditCard.HealthCare.Yes
  • CreditCard.HealthCare.No
  • CreditCard.HealthCare.Unknown
issuing_bank str

The bank that issued the credit card.


The last 4 digits of the credit card number.

payroll enum

Whether the card is a payroll card. Possible values:

  • CreditCard.Payroll.Yes
  • CreditCard.Payroll.No
  • CreditCard.Payroll.Unknown
prepaid enum

Whether the card is a prepaid card. Possible values:

  • CreditCard.Prepaid.Yes
  • CreditCard.Prepaid.No
  • CreditCard.Prepaid.Unknown
product_id str

The code for the product type of the card (e.g. D (Visa Signature Preferred), G (Visa Business)). See Product ID codes below for possible values.

token str

The Vault token for the credit card.


A randomly-generated string that uniquely identifies a credit card number in the Vault. If the same credit card is added to a merchant's Vault multiple times, each Vault entry will have the same unique identifier. This value is randomly generated by merchant gateway account, so it will be different for each merchant's Vault.


The currency of the verification amount (e.g. "USD" for US dollars). See the ISO 4217 codes.


The processing bank's response to the card verification value (CVV) provided by the customer. Possible values:

  • M = Matches
  • N = Does not match
  • U = Not verified
  • I = Not provided
  • S = Issuer does not participate
  • A = Not applicable
  • B = Bypass

This value will only be set if the transaction status is gateway_rejected. Possible values:

  • "application_incomplete"
  • "avs"
  • "avs_and_cvv"
  • "cvv"
  • "duplicate"
  • "fraud"
  • "three_d_secure"
graphql_id str

The unique identifier used to identify this credit card verification in Braintree's GraphQL API.

id str

The string value representing a specific credit card verification in the Vault. Length and format of gateway-generated tokens and IDs may change at any time.

merchant_account_id str

The merchant account ID used for the credit card verification. Currency is also determined by merchant account ID.

network_response_code str

The network response code. When present, this field can provide additional detail about why a verification was declined, but the processor_response_code should be considered the source of truth. See the list of possible network responses.

network_response_text str

The network response text for the network_response_code.

processor_response_code str

The processor response code. See the list of possible processor authorization responses.

processor_response_text str

The processor response text. See the list of possible processor authorization responses.

processor_response_type str

The processor response type. Possible values:

  • "approved"
  • "soft_declined"
  • "hard_declined"

See the list of possible processor authorization responses, and definitions of soft and hard declines.


Any applicable risk data associated with the verification. The data includes the risk identifier, the device data captured flag, and the risk decision, which can provide further context on how a transaction was scored by Braintree.

decision str

The risk decision. Possible values:

  • Not Evaluated
  • Approve
  • Review
  • Decline
device_data_captured bool

Flag indicating whether device session data was successfully captured and processed by the fraud service. Currently available in the Python, .NET, Node and PHP client libraries.

fraud_service_provider str

The fraud service used to determine if a transaction is likely to be fraudulent.

id str

The risk data identifier.

status str

Possible values:

  • processor_declined
  • gateway_rejected
  • failed
  • verified

The 3D Secure information for this transaction.

cavv str

Cardholder Authentication Verification Value or "CAVV". The main encrypted message issuers and card networks use to verify authentication has occured. Mastercard refers to this field as AAV, while American Express refers to this field as AEVV.

ds_transaction_id str

Transaction identifier resulting from 3D Secure 2 authentication.

eci_flag str

The value of the electronic commerce indicator (ECI) flag, which indicates the outcome of the 3DS authentication.

Possible values for Mastercard:

  • 00 = Failed or not attempted
  • 01 = Attempted
  • 02 = Success

Possible values for all other card brands:

  • 07 = Failed or not attempted
  • 06 = Attempted
  • 05 = Success
enrolled str

Indicates whether a card is enrolled in a 3D Secure program or not. Possible values:

  • Y = Yes
  • N = No
  • U = Unavailable
  • B = Bypass
  • E = RequestFailure
liability_shift_possible bool

Indicates whether a liability shift is possible.

liability_shifted bool

Indicates whether the liability shifted or not.

status str

The 3D Secure status value. For a list of all possible statuses and their liability shifts, see the 3D Secure guide.

three_d_secure_version str

The version of 3D Secure authentication used for the transaction. Composed of digits separated by periods (e.g. 1.0.2, 2.1.0).

xid str

Transaction identifier resulting from 3D Secure authentication. This field will no longer be used in 3D Secure 2 authentications.

Product ID codes

The Braintree gateway returns the following product IDs for credit and debit card payment methods. The product ID is generally 1-3 characters and indicates the specific credit product that was issued to the customer.

Product ID code Product name
001 Discover Consumer Credit – Rewards
002 Discover Commercial Credit
003 Discover Consumer Debit
004 Discover Commercial Debit
005 Discover Prepaid Gift
006 Discover Prepaid ID known
007 Discover Consumer Credit – Premium
008 Discover Consumer Credit - Core
009 Discover Private Label Credit
010 Discover Commercial Credit – Executive Business
011 Discover Consumer Credit – Premium Plus
012 Discover Commercial Prepaid – Non-Reloadable
013 Discover PayPal
014 Discover PayPal Mobile
A Visa Traditional
B Visa Traditional Rewards
BPD MasterCard Business Premium Debit
C Visa Signature
CIR MasterCard Cirrus
D Visa Signature Preferred
DAG Global Debit MasterCard Salary
DAP Platinum Debit MasterCard Salary
DAS Standard Debit MasterCard Salary
DLG Debit MasterCard Gold Delayed Debit
DLH Debit MasterCard World Embossed Delayed Debit
DLP Debit MasterCard Platinum Delayed Debit
DLS Debit MasterCard Card Delayed Debit
DOS Standard Debit MasterCard Social
DWF Debit MasterCard Humanitarian Prepaid
E Visa Proprietary ATM
F Visa Classic
G Visa Business
G1 Visa Signature Business
G3 Visa Business Enhanced (US only)
G4 Visa Infinite Business
G5 Visa Business Rewards
I Visa Infinite
I Visa Infinite Privilege
I2 Visa UHNW
IB American Express Non-US
IR American Express Non-US Reloadable
IS American Express Non-US Stored Value
J3 Visa Healthcare
K Visa Corporate T&E
K1 Visa GSA Corporate T&E
L Visa Electron
MAB World Elite MasterCard for Business Card
MAC MasterCard World Elite Corporate Card
MAP MasterCard Commercial Payments Account
MAQ MasterCard Prepaid Commercial Payments Account
MBB MasterCard Prepaid Consumer
MBC MasterCard Prepaid Voucher
MBD MasterCard Professional Debit BusinessCard Card
MBE MasterCard Electronic Business Card
MBF Prepaid MC Food
MBK MasterCard Black Card
MBM Prepaid MC Meal
MBP MasterCard Corporate Prepaid
MBS MasterCard B2B Product
MBT MasterCard Corporate Prepaid Travel
MBW World MasterCard Black Edition Debit
MCB MasterCard BusinessCard Card
MCC MasterCard Credit Card (mixed BIN)
MCD Debit MasterCard Card
MCE MasterCard Electronic Card
MCF MasterCard Fleet Card
MCG Gold MasterCard Card
MCH MasterCard Premium Charge
MCO MasterCard Corporate (Meeting) Card
MCP MasterCard Purchasing Card
MCS (Unembossed) Standard MasterCard Card
MCT Titanium MasterCard Card
MCV Merchant-Branded Program
MCW World MasterCard Card
MDB Debit MasterCard BusinessCard Card
MDG Gold Debit MasterCard Card
MDH World Debit Embossed MasterCard Card
MDJ Debit MasterCard (Enhanced)
MDL MasterCard Business Debit Other Embossed
MDO MasterCard Debit Other
MDP Premium Debit MasterCard Card
MDR MasterCard Debit Brokerage
MDS Debit MasterCard Card
MDT Commercial Debit MasterCard Card
MDW World Elite Debit MasterCard
MEB MasterCard Executive BusinessCard Card
MEC MasterCard Electronic Commercial
MEF MasterCard Electronic Payment Account
MEO MasterCard Corporate Executive Card
MET Titanium Debit MasterCard Card
MFB MasterCard Flex World Elite
MFD MasterCard Flex Platinum
MFE MasterCard Flex Charge World Elite
MFH MasterCard Flex World
MFL MasterCard Flex Charge Platinum
MFW MasterCard Flex World Charge
MGF MasterCard Government Commercial Card
MHA MasterCard Healthcare Prepaid Non-Tax
MHB MasterCard HSA Substantiated (Debit MasterCard)
MHD MasterCard HELOC Debit Standard
MHH MasterCard HSA Non-Substantiated (Debit MasterCard)
MHK MasterCard Magna Health Access Card
MHD MasterCard HELOC Debit Gold
MHD MasterCard HELOC Debit Platninum
MHD MasterCard HELOC Debit Premium
MIA Prepaid MasterCard Unembossed Student Card
MIK Prepaid MasterCard Electronic Student (Non-US) Card
MIL Unembossed MasterCard Student Card (Non-US)
MIP Prepaid Debit MasterCard Student Card
MIU Debit MasterCard Unembossed (Non-US)
MLA MasterCard Central Travel Solutions Air Card
MLB MasterCard Brazil Benefit for Home Improvement
MLD MasterCard Distribution Card
MLE MasterCard Brazil General Benefits
MLF MasterCard Agro Card
MLL MasterCard Central Travel Solutions Land Card
MNF MasterCard Public Sector Commercial Card
MNW MasterCard World Card
MOC Standard Maestro Social
MOG Maestro Gold Card
MOP Maestro Platinum
MOW World Maestro
MPA MasterCard Prepaid Debit Standard Payroll
MPB MasterCard Preferred Business Card
MPD MasterCard Flex Prepaid
MPF MasterCard Prepaid Debit Standard Gift
MPG Debit MasterCard Standard Prepaid General Spend
MPH MasterCard Cash
MPJ Prepaid Debit MasterCard Card Gold
MPK MasterCard Prepaid Government Commercial Card
MPL Platinum MasterCard Card
MPM MasterCard Prepaid Debit Standard Consumer Incentive
MPN MasterCard Prepaid Debit Standard Insurance
MPO MasterCard Prepaid Debit Standard Offer
MPP MasterCard Prepaid Card – Commercial Reward Funding
MPQ MasterCard Prepaid Debit Standard Government Disaster
MPR MasterCard Prepaid Debit Standard Travel
MPT MasterCard Prepaid Debit Standard Teen
MPV MasterCard Prepaid Debit Standard Government
MPW Debit MasterCard Business Card Prepaid Workplace Business
MPX MasterCard Prepaid Debit Standard Flex Benefit
MPY MasterCard Prepaid Debit Standard Employee Incentive
MPZ MasterCard Prepaid Debit Standard Government Consumer
MRB MasterCard Prepaid Electronic Business Card (Non-US)
MRC Prepaid MasterCard Electronic Card (Non-US)
MRF MasterCard European Regulated Individual Pay
MRG MasterCard Prepaid Card (Non-US)
MRH MasterCard Platinum Prepaid Travel (US)
MRJ Prepaid MasterCard Gold Card
MRK Prepaid MasterCard Public Sector Commercial Card
MRL Prepaid MasterCard Electronic Commercial Card (Non-US)
MRO MasterCard Rewards Only
MRP Standard Retailer Centric Payments
MRS Prepaid MasterCard ISIC Student Card
MRW Prepaid MasterCard Business Card (Non-US)
MSA Prepaid Maestro Payroll Card
MSB Maestro Small Business Card
MSF Prepaid Maestro Gift Card
MSG Prepaid Maestro Consumer Reloadable Card
MSI Maestro Student Card
MSJ Prepaid Maestro Gold
MSM Prepaid Maestro Consumer Promotion Card
MSN Prepaid Maestro Insurance Card
MSO Prepaid Maestro Other Card
MSQ Unknown MasterCard
MSR Prepaid Maestro Travel Card
MST Prepaid Maestro Teen Card
MSV Prepaid Maestro Government Benefit Card
MSW Prepaid Maestro Corporate (Reloadable) Card
MSX Prepaid Maestro Flex Benefit Card
MSY Prepaid Maestro Employee Incentive Card
MSZ Prepaid Maestro Emergency Assistance Card
MTP MasterCard Platinum Prepaid Travel (UK and Brazil)
MUS Prepaid Unembossed MasterCard Card
MUW MasterCard World Domestic Affluent
MWB World Elite MasterCard Business Card
MWD World Deferred MasterCard
MWE World Elite MasterCard Card
MWF MasterCard Humanitarian Prepaid
MWO World Elite MasterCard Corporate Card
MWR MasterCard World Retailer Centric Payments
N Visa Platform
N1 Visa Rewards
N2 Visa Select
OLB Maestro Small Business Delayed Debit
OLG Maestro Gold Delayed Debit
OLP Maestro Platinum Delayed Debit
OLS Maestro (Student Card) Delayed Debit
OLW World Maestro Delayed Debit
P Visa Gold
PMC MasterCard Proprietary Credit Card (Swedish domestic)
PMD MasterCard Proprietary Debit Card (Swedish domestic)
PSC MasterCard Common Proprietary Swedish Credit Card
PSD MasterCard Common Proprietary Swedish Debit Card
PVA MasterCard Private Label A
PVB MasterCard Private Label B
PVC MasterCard Private Label C
PVD MasterCard Private Label D
PVE MasterCard Private Label E
PVF MasterCard Private Label F
PVG MasterCard Private Label G
PVH MasterCard Private Label H
PVI MasterCard Private Label I
PVJ MasterCard Private Label J
PVL MasterCard Private Label L
Q Visa Private Label
Q2 Visa Private Label Basic
Q3 Visa Private Label Standard
Q4 Visa Private Label Enhanced
Q5 Visa Private Label Specialized
Q6 Visa Private Label Premium
R Visa Proprietary
RP American Express US Reloadable
S Visa Purchasing
S1 Visa Purchasing with Fleet
S2 Visa GSA Purchasing
S3 Visa GSA Purchasing with Fleet
S4 Visa Government Services Loan
S5 Visa Commercial Transport (EBT)
S6 Visa Business Loan
S7 Visa Distribution
SAG Gold MasterCard Salary Immediate Debit
SAL Standard Maestro Salary
SAP Platinum MasterCard Salary Immediate Debit
SAS Standard MasterCard Salary Immediate Debit
SOS Standard MasterCard Social Immediate Debit
SUR Prepaid Unembossed MasterCard Card (Non-US)
SV American Express US Stored Value
TBE MasterCard Electronic Business Immediate Debit
TCB MasterCard Corporate Immediate Debit
TCC MasterCard (mixed BIN) Immediate Debit
TCE MasterCard (Electronic) Student Card Immediate Debit
TCF MasterCard Fleet Card Immediate Debit
TCG Gold MasterCard Card Immediate Debit
TCO MasterCard (Corporate) Immediate Debit
TCP MasterCard Purchasing Card Immediate Debit
TCS MasterCard Standard (Unembossed) Card Immediate Debit
TCW MasterCard World Signia Immediate Debit
TEB MasterCard Executive BusinessCard Card Immediate Debit
TEC MasterCard Electronic Commercial Immediate Debit
TEO MasterCard Corporate Executive Card Immediate Debit
TNF MasterCard Public Sector Commercial Card Immediate Debit
TNW MasterCard New World Immediate Debit
TPB MasterCard Preferred Business Card Immediate Debit
TPL Platinum MasterCard Immediate Debit
TWB World MasterCard Black Edition Immediate Debit
U Visa Travel Money
V Visa V Pay
WBE World MasterCard Black Edition
X Visa B2B Virtual Payments

Network response codes

In addition to the processor response code and text, some transaction and verification objects also include a network response code and text.

These network response values are the raw responses that may be returned by the card network, and when present they can provide additional detail about why a request was approved or declined. However, this information is supplemental to the processor response code; you should consider the processor response code to be the source of truth.

Each card network has distinct response codes:

Card Network Code Text
Visa 00 Successful approval/completion or V.I.P. PIN verification is successful
Visa 01 Refer to card issuer
Visa 02 Refer to card issuer, special condition
Visa 03 Invalid merchant or service provider
Visa 04 Pick up card
Visa 05 Do not Honor
Visa 06 Error
Visa 07 Pick up card, special condition (other than lost/stolen card)
Visa 10 Partial Approval
Visa 11 V.I.P. approval
Visa 12 Invalid transaction
Visa 13 Invalid amount (currency conversion field overflow); or amount exceeds maximum for card program
Visa 14 Invalid account number (no such number)
Visa 15 No such issuer
Visa 19 Re-enter transaction
Visa 21 No action taken (unable to back out prior transaction)
Visa 25 Unable to locate record in file, or account number is missing from the inquiry
Visa 28 File is temporarily unavailable
Visa 39 No credit account
Visa 41 Pick up card (lost card)
Visa 43 Pick up card (stolen card)
Visa 51 Insufficient funds
Visa 52 No checking account
Visa 53 No savings account
Visa 54 Expired card
Visa 55 Incorrect PIN
Visa 57 Transaction not permitted to cardholder
Visa 58 Transaction not allowed at terminal
Visa 59 Suspected fraud
Visa 61 Activity amount limit exceeded
Visa 62 Restricted card (for instance, in Country Exclusion table)
Visa 63 Security violation
Visa 64 Transaction does not fulfill AML requirement
Visa 65 Activity count limit exceeded
Visa 75 Allowable number of PIN-entry tries exceeded
Visa 76 Unable to locate previous message (no match on retrieval reference number)
Visa 77 Previous message located for a repeat or reversal, but repeat or reversal data inconsistent with original message
Visa 78 Blocked, first used — Transaction from new cardholder, and card not properly unblocked
Visa 79 Transaction reversed
Visa 80 Visa transactions: credit issuer unavailable. Private label: invalid date
Visa 81 PIN cryptographic error found (error found by VIC security module during PIN decryption)
Visa 82 Negative Online CAM, dCVV, iCVV, or CVV results Or Offline PIN authentication interrupted
Visa 85 No reason to decline request for account number verification, address verification, CVV2 verification, or credit voucher or merchandise return
Visa 86 Cannot verify PIN
Visa 91 Issuer unavailable or switch inoperative (STIP not applicable or available for this transaction) Issuers can respond with this code, which V.I.P. passes to the acquirer without invoking stand-in processing (STIP). Issuer processors use the code to indicate they cannot perform authorization on issuers’ behalf. Code causes decline at POS.
Visa 1A Additional customer authentication required
Visa B1 B116 Surcharge amount not permitted on Visa cards
Visa N0 Force STIP
Visa N3 Cash service not available
Visa N4 Cashback request exceeds issuer limit
Visa N7 Decline for CVV2 failure
Visa N8 Transaction amount exceeds pre-authorized approval amount
Visa P2 P2 Invalid biller information
Visa P5 PIN change/unblock request declined
Visa P6 Unsafe PIN
Visa R0 Stop payment order
Visa R1 Revocation of authorization order
Visa R3 Revocation of all authorizations order
Visa Z3 Unable to go online; declined
Visa XA Forward to issuer
Visa XD Forward to issuer
Visa Q1 Card authentication failed Or Offline PIN authentication interrupted
Mastercard 00 Approved or completed successfully
Mastercard 01 Refer to card issuer
Mastercard 03 Invalid merchant
Mastercard 04 Capture card Capture
Mastercard 05 Do not honor
Mastercard 08 Honor with ID
Mastercard 10 Partial Approval
Mastercard 12 Invalid transaction
Mastercard 13 Invalid amount
Mastercard 14 Invalid card number
Mastercard 15 Invalid issuer
Mastercard 30 Format error
Mastercard 41 Lost card
Mastercard 43 Stolen Card
Mastercard 51 Insufficient funds/over credit limit
Mastercard 54 Expired card
Mastercard 55 Invalid PIN
Mastercard 57 Transaction not permitted to issuer/cardholder
Mastercard 58 Transaction not permitted to acquirer/terminal
Mastercard 61 Exceeds withdrawal amount limit
Mastercard 62 Restricted card
Mastercard 63 Security violation
Mastercard 65 Exceeds withdrawal count limit
Mastercard 70 Contact Card Issuer
Mastercard 71 PIN Not Changed
Mastercard 75 Allowable number of PIN tries exceeded
Mastercard 76 Invalid/nonexistent To Account specified
Mastercard 77 Invalid/nonexistent From Account specified
Mastercard 78 Invalid/nonexistent account specified (general)
Mastercard 81 Domestic Debit Transaction Not Allowed (Regional use only)
Mastercard 84 Invalid Authorization Life Cycle
Mastercard 85 Not declined. Valid for all zero amount transactions.
Mastercard 86 PIN Validation not possible
Mastercard 87 Purchase Amount Only, No Cash Back Allowed
Mastercard 88 Cryptographic failure
Mastercard 89 Unacceptable PIN—Transaction Declined—Retry
Mastercard 91 Authorization System or issuer system inoperative
Mastercard 92 Unable to route transaction
Mastercard 94 Duplicate transmission detected
Mastercard 96 System error
Discover 00 Approved or completed successfully
Discover 01 Reserved for future use
Discover 02 Reserved for future use
Discover 03 Invalid Merchant
Discover 04 Capture Card
Discover 05 Do not honor
Discover 07 Pick-up Card, special condition
Discover 08 Reserved for future use
Discover 10 Approved for partial amount
Discover 11 Approved
Discover 12 Invalid transaction
Discover 13 Invalid amount
Discover 14 Invalid Card Number
Discover 15 Reserved for future use
Discover 19 Re-enter transaction
Discover 30 Format error
Discover 31 Bank not supported by switch
Discover 33 Reserved for future use
Discover 34 Reserved for future use
Discover 35 Reserved for future use
Discover 36 Reserved for future use
Discover 37 Reserved for future use
Discover 38 Allowable PIN tries exceeded
Discover 39 No credit Account
Discover 40 Requested function not supported
Discover 41 Lost Card
Discover 43 Stolen Card
Discover 51 Decline
Discover 53 No savings Account
Discover 54 Expired Card
Discover 55 Invalid PIN
Discover 56 No Card record
Discover 57 Transaction not permitted to Issuer/Cardholder
Discover 58 Transaction not permitted to Acquirer/terminal
Discover 59 Suspected fraud
Discover 60 Card acceptor contact Acquirer
Discover 61 Exceeds withdrawal amount limit
Discover 62 Restricted Card
Discover 63 Security violation
Discover 64 Original amount incorrect
Discover 65 Exceeds withdrawal count limit
Discover 66 Card Acceptor call Acquirer’s security dept
Discover 67 Hard capture (requires ATM pick-up)
Discover 68 Response received too late Decline
Discover 75 Allowable number of PIN tries exceeded
Discover 76 Invalid/nonexistent “to” Account specified
Discover 77 Invalid/nonexistent “from” Account specified
Discover 78 Invalid/nonexistent Account specified (general)
Discover 83 Domain Restriction Controls Failure
Discover 85 No reason to decline
Discover 87 Network unavailable
Discover 91 Authorization system or Issuer system inoperative
Discover 92 Unable to route transaction Decline
Discover 93 Transaction cannot be completed, violation of law
Discover 94 Duplicate transmission detected
Discover 96 System malfunction Decline
Discover N1 System up
Discover N2 Soft down
Discover N3 System down
Discover N7 Decline for AVS or CID mismatch
Discover P5 PIN Change/Unblock failed
Discover P6 New PIN not accepted
American Express 000 Approved
American Express 001 Approved with ID
American Express 002 Partial Approval (Prepaid Cards only)
American Express 100 Deny
American Express 101 Expired Card / Invalid Expiration Date
American Express 106 Exceeded PIN attempts
American Express 107 Please Call Issuer
American Express 109 Invalid merchant
American Express 110 Invalid amount
American Express 111 Invalid account / Invalid MICR (Travelers Cheque)
American Express 115 Requested function not supported
American Express 117 Invalid PIN
American Express 119 Cardmember not enrolled / not permitted
American Express 122 Invalid card security code (a.k.a., CID, 4DBC, 4CSC)
American Express 125 Invalid effective date
American Express 181 Format error
American Express 183 Invalid currency code
American Express 187 Deny - New card issued
American Express 189 Deny - Canceled or Closed Merchant/SE
American Express 200 Deny - Pick up card
American Express 900 Accepted - ATC Synchronization
American Express 909 System Malfunction (Cryptographic error)
American Express 912 Issuer not available