First Data Payeezy Gateway Bank Response Codes – Payeezy Knowledge Base

For First Data Payeezy Gateway, values for the Payment Methods. The whole table is displayed for completeness.

First Data Bank Response Codes

The following list reflects all currently defined First Data bank response reason codes. All returned bank response codes other than ‘100’ indicate that a transaction did not succeed for some reason. Note: Response Reason Code ‘109’ indicates the transaction previously succeeded.

In general, codes values of ‘300’ or higher are Issuer/Association Declines, while those in the ‘200’ series are Rejects.

Note: Additional Decline and Reject Codes may be added at any time.

For the most common codes returned by First Data, the list includes an action field that suggests the best probable course of action to take based on the code returned. If you are receiving codes not listed here, please contact your Account Manager. The following KEY describes the Column Headings and the values appearing in the columns.

Note: Not all codes will be received on an authorization. Some codes are for deposit/conditionals only

	Description
Type	S = Successful Response Codes R = Reject Response Codes D = Decline Response Codes
Code	3‐digit response code
Name	Description of the response code
Action	Resend = Send this transaction back at any time Wait = Wait 2‐3 days before sending back, or try to resolve with your customer Cust. = Try to resolve with customer, or get an alternate method of payment Fix = There is an invalid field being sent Fix and resend N/A = Not applicable Voice = Perform a voice authorization per First Data instructions Call = Call First Data
Payment Type Groups	TC = Checks PY = Paypal DB = All Pinless Debit Cards SV = Stored Value/ Valuelink

Response	Code	Name	Action	Payment Method	Comments
D	000	No Answer	Resend	All	First Data received no answer from auth network
S	100	Approved	N/A	All	Successfully approved
S	109	Previously Processed Transaction	N/A	DB	Transaction was not re-authorized with the Debit Network because it was previously processed
N/A	200	Suspected Fraud	N/A	CC	Merchant advises they are reversing an Authorization transaction because Fraud is suspected in a non-Face-To-Face transaction environment. MasterCard Non Face to Face FULL Reversal Only
R	201	Invalid CC Number	Cust	All	Bad check digit, length, or other credit card problem
R	202	Bad Amount Nonnumeric Amount	If Fix	All	Amount sent was zero, unreadable, over ceiling limit, or exceeds maximum allowable amount.
R	203	Zero Amount	Fix	CC	Amount sent was zero
R	204	Other Error	Fix	All	Unidentifiable error
R	205	Bad Total Auth Amount	Fix	CC	The sum of the authorization amount from extended data information does not equal detail record authorization Amount. Amount sent was zero, unreadable, over ceiling limit, or exceeds Maximum allowable amount.
R	210	Reserved	N/A	Private Label	Reserved
R	211	Reserved	N/A	Private Label	Reserved
R	212	Reserved	N/A	Private Label	Reserved
R	214	Reserved	N/A	Private Label	Reserved
R	225	Invalid Field Data	Fix	All	Data within transaction is incorrect
R	227	Missing Companion Data	Fix	CC, PY	Specific and relevant data within transaction is absent
R	231	Invalid Division Number	Fix	All	Division number incorrect
R	238	Invalid Currency	Fix	All	Currency does not match First Data merchant setup for division
R	239	Invalid MOP for Division	Fix	All	Method of payment is invalid for the division
R	241	Illegal Action	Fix	All	Invalid action attempted
R	242	Invalid Temporary Services Data	Fix	CC	Data is inaccurate or missing
R	243	Invalid Purchase Level 3	Fix	CC	Data is inaccurate or missing, or the BIN is ineligible for P‐card
R	244	Invalid Encryption Format	Fix	CC	Invalid encryption flag. Data is Inaccurate.
R	245	Missing or Invalid Secure Payment Data	Fix	CC	Visa or MasterCard authentication data not in appropriate Base 64 encoding format or data provided on A non‐e‐Commerce transaction.
R	246	Merchant not MasterCard Secure code Enabled	Call	CC	Division does not participate in MasterCard Secure Code. Contact your First Data Representative for information on getting setup for MasterCard SecureCode.
R	248	Blanks not passed in reserved field	Fix	All	Blanks not passed in Reserved Field
R	249	Invalid (MCC)	Fix	All	Invalid Merchant Category (MCC) sent
R	253	Invalid Tran. Type	Fix	All	If an “R” (Retail Indicator) is sent for a transaction with a MOTO Merchant Category Code (MCC)
R	254	Reserved	N/A	All	Reserved. Note: If this response is received, please contact your First Data Representative
R	255	Reserved	N/A	All	Reserved Note: If this response is received, please contact your First Data Representative
R	257	Missing Cust Service Phone	Fix	CC	Card was authorized, but AVS did not match. The 100 was overwritten with a 260 per the merchant’s request Note: Conditional deposits only
R	258	Not Authorized to Send Record	Call	All	Division does not participate in Soft Merchant Descriptor. Contact your First Data Representative for information on getting set up for Soft Merchant Descriptor.
R	260	Reserved	N/A	None	Reserved
R	262	Authorization Code Response Date Invalid	Fix	CC	Authorization code and/or response date are invalid. Note: MOP = MC, MD, VI only
R	263	Partial Authorization Not Allowed or Partial Authorization Request Note Valid	Fix	CC	Action code or division does not allow partial authorizations or partial authorization request is not valid.
R	264	Duplicate Deposit Transaction	N/A	DB	Transaction is a duplicate of a previously deposited transaction. Transaction will not be processed.
R	268	Reserved	N/A	None	Reserved
R	269	Reserved	N/A	None	Reserved
R	270	Reserved	N/A	None	Reserved
R	271	Reserved	N/A	None	Reserved
R	272	Invalid Purchase Level 2	Fix	CC	Level II Purchase card data is inaccurate or missing, or not an appropriate card brand.
R	273	Reserved	N/A	None	Reserved
R	274	Transaction Not Supported	N/A	CC	The requested transaction type is blocked from being used with this card. Note: This may be the result of either an association rule, or a merchant boarding option.
R	275	Invalid Time	Fix	All	An invalid time was specified.
R	276	Invalid Date	Fix	All	An invalid date was specified.
R	288	Daily Velocity Block Reject (Merchant)	Cust	VI,MC	Merchant’s Visa OCT and/or MasterCard MoneySend activity has exceeded preset transaction count or value limits for a rolling 24-hour period.
R	289	7 day Velocity Block Reject (Merchant)	Cust	VI,MC	Merchant’s Visa OCT and/or MasterCard MoneySend activity has exceeded preset transaction count or value limits for a rolling 7-day period.
R	290	30 Day Velocity Block Reject (Merchant)	Cust	VI,MC	Merchant’s Visa OCT and/or MasterCard MoneySend activity has exceeded preset transaction count or value limits for a rolling 30-day period.
R	291	Daily Disbursement Reject Card (Funding)	Cust	VI,MC	Visa OCT and/or MasterCard MoneySend Funding activity has exceeded preset transaction count or value limits for a rolling 24-hour period on this card.
R	292	7 Day Disbursement Reject Card (Funding)	Cust	VI,MC	Visa OCT and/or MasterCard MoneySend Funding activity has exceeded preset transaction count or value limits for a rolling 7-day period on this card.
R	293	30 Day Disbursement Reject Card (Funding)	Cust	VI,MC	Visa OCT and/or MasterCard MoneySend Funding activity has exceeded preset transaction count or value limits for a rolling 30-day period on this card.
R	294	Daily Disbursement Reject Card (Payment)	Cust	VI,MC	Visa OCT and/or MasterCard MoneySend Payment activity has exceeded preset transaction count or value limits for a rolling 24-hour period on this card.
R	295	7 Day Disbursement Reject Card (Payment)	Cust	VI,MC	Visa OCT and/or MasterCard MoneySend Payment activity has exceeded preset transaction count or value limits for a rolling 7-day period on this card.
R	296	30 Day Disbursement Reject Card (Payment)	Cust	VI,MC	Visa OCT and/or MasterCard MoneySend Payment activity has exceeded preset transaction count or value limits for a rolling 30-day period on this card.
R	297	Per Txn Amt Disbursement Limit Reject	Cust	VI,MC	The amount limit that will be applied to each Visa OCT/ MasterCard MoneySend txn processed by the merchant. If any single txn exceeds this limit, it will be blocked.
R	298	Daily/7 Day/30 Day Disbursement Manual Block	Cust	VI,MC	An indicator that blocks all Visa OCT/MC MS txn processed by the merchant within a rolling 24 hour period or 7 day period (current and prior 6 days) or 30 day period (current and prior 29 days). All txns will be blocked for that time period.
R	299	Duplicate Transaction	Reject	All	The transaction is a duplicate of a previous transaction (either within this same batch file, or in any batch file submitted by the client in the last 7 days).
D	301	Issuer unavailable	Resend	CC, SV, TC	Authorization network could not reach the bank which issued the card
D	302	Credit Floor	Wait	CC, SV	Insufficient funds
D	303	Processor Decline	Cust.	CC, PY, SV, TC	Generic decline – No other information is being provided by the Issuer
D	304	Not On File	Cust.	CC, PY, SC	No card record, or invalid/nonexistent to account specified
D	305	Already Reversed	N/A	CC, DB, SV	Transaction previously reversed. Note: MOP = any Debit MOP, SV, MC, MD, VI only
D	306	Amount Mismatch	Fix	CC	Requested reversal amount does not match original approved authorization amount. Note: MOP = MC, MD, VI only
D	307	Authorization Not Found	Fix	CC, PY, TC	Transaction cannot be matched to an authorization that was stored in the database. Note: MOP = MC, MD , MI, VI, TC and PY only
R	350	Additional customer authentication required	Fix	VI, AX, DI	Transaction cannot be approved until Strong Customer Authentication (SCA) is performed
R	351	TransArmor Service Unavailable	Resend	CC, DB, SV	TransArmor Service temporarily unavailable.
D	352	Expired Lock	Cust.	SV	ValueLink - Lock on funds has expired.
R	353	TransArmor Invalid Token or PAN	Fix	CC, DB, SV	TransArmor Service encountered a problem converting the given Token or PAN with the given Token Type.
R	354	TransArmor Invalid Result	Cust	CC, DB, SV	TransArmor Service encountered a problem with the resulting Token/PAN.
R	370	Deferred Auth Not Cancelled	Fix	VI, MC	Deferred Authorization can not be cancelled.
D	401	Call	Voice	CC, PY	Issuer wants voice contact with cardholder
D	402	Default Call	Voice	CC	Decline
D	420	Unsupported Currency	Fix	All	A transaction has been attempted in an invalid currency, or one not supported by the endpoint.
D	430	Prepaid Card Amount Over EU AMLD Limit	Fix	All	A transaction has been attempted in an invalid currency, or one not supported by the endpoint.
D	501	Pickup	Cust	CC	Card Issuer wants card returned
D	502	Lost/Stolen	Cust	CC, SV, TC	Card reported as lost/stolen Note: Does not apply to American Express
D	503	Fraud/ Security Violation	Cust	CC	CID did not match Note: Discover only
D	506	Invalid Institution	Call	STAR Signiture Debit	Financial Institution configuration problem. Note: Contact your First Data representative for further details.
D	508	Excessive PIN try	Cust	CC	Allowable number of PIN tries exceeded
D	509	Over the limit	Cust	CC, PY, SV	Exceeds withdrawal or activity amount limit
D	510	Over Limit Frequency	Cust	CC, SV, PY	Exceeds withdrawal or activity count limit
D	519	On negative file	Cust	None	Account number appears on negative file
D	521	Insufficient funds	Cust	CC, SV	Insufficient funds/over credit limit
D	522	Card is expired	Cust	CC, SV	Card has expired
D	523	Encrypted Data is Bad	Fix	DB	Debit provider has problem decrypting cryptogram
D	530	Do Not Honor	Cust	CC, SV, PY	Generic Decline – No other information is being provided by the issuer. Issuer did not provide a specific reason for declining. Please have the cardholder contact their Issuer for additional information. Note: This is a hard decline for BML (will never pass with recycle attempts)
D	531	CVV2/VAK Failure	Cust	CC	Issuer has declined auth request because CVV2 or VAK failed
D	546	Blocked Account	Cust	STAR Signiture Debit	Transaction Blocked for Risk/Country Code.
D	551	Duplicate Transaction	NA	CC	Duplicate Transaction Detected
D	570	Stop payment order one time recurring/ installment	Fix	CC	Cardholder has requested this one recurring/installment payment be stopped.
D	571	Revocation of Authorization for All Recurring / Installments	Cust	CC, TC	Cardholder has requested all recurring/installment payments be stopped
D	572	Revocation of All Authorizations – Closed Account	Cust	CC	Cardholder has requested that all authorizations be stopped for this account due to closed account. Note: Visa only
D	580	Account previously activated	Cust	SV	Account previously activated
D	581	Unable to void	Fix	SV	Unable to void
D	582	Block activation failed	Fix	SV	Reserved for Future Use
D	583	Block Activation Failed	Fix	SV	Reserved for Future Use
D	584	Issuance Does Not Meet Minimum Amount	Fix	SV	Issuance does not meet minimum amount
D	585	No Original Authorization Found	N/A	SV	No original authorization found
D	586	Outstanding Authorization, Funds on Hold	N/A	SV	Outstanding Authorization, funds on hold
D	587	Activation Amount Incorrect	Fix	SV	Activation amount incorrect
D	588	Block Activation Failed	Fix	SV	Reserved for Future Use
D	589	CVD Value Failure	Cust	SV	Magnetic stripe CVD value failure
D	590	Maximum Redemption Limit Met	Cust	SV	Maximum redemption limit met
D	591	Invalid CC Number	Cust	CC, DB	Bad check digit, length or other credit card problem. Issuer generated
D	592	Bad Amount	Fix	CC	Amount sent was zero or unreadable. Issuer generated
D	594	Other Error	Fix	CC, DB, PY, SV, TC	Unidentifiable error. Issuer generated
D	595	New Card Issued	Cust	CC	New Card Issued
D	596	Suspected Fraud	Cust	CC	Issuer has flagged account as suspected fraud
D	602	Invalid Institution Code	Fix	CC	Card is bad, but passes MOD 10 check digit routine, wrong BIN
D	603	Invalid Institution	Cust	CC, DB	Institution not valid (i.e. possible merger)
D	606	Invalid Transaction Type	Cust	CC, DB, TC	Issuer does not allow this type of transaction
D	607	Invalid Amount	Fix	CC, DB, SV	Amount not accepted by network. (This response is provided by the card issuer.)
D	610	BIN Block	Cust	CC	Merchant has requested First Data not process credit cards with this BIN
D	611	Refer New Acc	Cust	CC	New account information available
D	612	Retry With 3DS	Fix	CC	Retry the transaction with 3DS data
D	613	Retry Later	Wait	CC	Retry later
D	614	Do Not Retry	Cust	CC	Do not retry. A fraud may have happened with the transaction
R	740	Match Failed	Fix	DB	Unable to validate the debit. Authorization Record - based on amount, action code, and MOP (Batch response reason code for Debit Only)
R /D	741	Validation Failed	Fix	DB	Unable to validate the Debit Authorization Record - based on amount, action code, and MOP (Batch response reason code for Debit Only)
D	750	Reserved	Fix	Fix	Reserved
R	752	Missing Name	Fix	None	Pertains to deposit transactions only
R	753	Invalid Account Type	Fix	SV	Pertains to deposit transactions only
R/D	754	Account Closed	Cust	CC, PY, SV	Bank account has been closed For PayPal – the customer’s account was closed / restricted
R	755	No Account/ Unable to Locate	Cust	TC	Does not match any account for the customer at the bank
R	758	Account Frozen	Cust	SV, TC	Transaction Posting to Account Prohibited
R/D	760	ACH Non-Participant	Cust.	TC	EC – Banking Institution does not accept ACH transactions
R	763	Invalid Account Number	Cust	SV	Account number is incorrect
D	766	Reserved	NA	None	Reserved
D	767	Reserved	NA	None	Reserved
R	768	Bad Account Number Data	Fix		Invalid characters in account number
D	776	Duplicate Check	Cust	TC
D	777	Original transaction was not approved	Cust	TC
D	787	Decline High Risk	Cust	TC
D	788	Refund Greater than original	Fix	TC	Refund Greater than original sale
D	802	Positive ID	Voice	CC	Issuer requires further information
D	806	Restraint	Cust	CC, SV	Card has been restricted
D	811	Invalid Security Code	Fix	CC	American Express CID is incorrect
D	813	Invalid PIN	Cust	CC, DB	PIN for online debit transactions is incorrect
D	818	No Savings Account	Cust	CC
D	825	No Account	Cust	CC, SV	Account does not exist
D	833	Invalid Merchant	Fix	CC, DB, SV	Service Established (SE) number is incorrect, closed or Issuer does not allow this type of transaction
R	834	Unauthorized User	Fix	All	Method of payment is invalid for the division
D	842	Bad EAN/SCV/CSV	Fix	SV	EAN, SCV or Card Security Value was not provided or invalid, but is required for this transaction.
D	902	Process Unavailable	Resend/ Call/ Cust.	CC, SV, TC	System error/malfunction with Issuer For Debit – The link is down or setup issue; contact your First Data Representative.
D	903	Invalid Expiration	Cust	CC	Invalid or expired expiration date
D	904	Invalid Effective	Cust./ Resend	CC	Card not active
D	997	Acquirer Error	Call	CC	Acquiring bank configuration problem. Contact your First Data representative.

Auth Code Responses

The following Auth Code responses may be generated by First Data to indicate the status of an authorized transaction based on your processing parameters.

Code	Description
notdep	Not deposited
rcycle	Not deposited – transaction sent to First Data recycle program
sofdep	Deposited transaction with a soft decline
tntCxx	Test only (do not send in production)
tstxxx	Test only (do not send in production