| Code | Type | Message | SeaPay Code |
|---|---|---|---|
| 00 | Good | Successful approval/completion | A01 |
| 85 | Good | No reason to decline a request for account number verification or address verification | A01 |
| 11 | Good | VIP approval | A01 |
| 95 | Good | Approve VIP | A01 |
| 87 | Good | Approval with ID | A01 |
| 89 | Good | Reversal accepted | A03 |
| 10 | Good | Approved for Partial Amount | A05 |
| R0 | Soft | Stop Payment order | D01 |
| B1 | Soft | Surcharge amount not permitted on Visa Cards | D01 |
| 08 | Soft | Honor with ID | D01 |
| 65 | Soft | Activity count limit exceeded | D01 |
| 57 | Soft | Transaction not permitted to cardholder | D01 |
| 60 | Soft | Card Acceptor Contact Acquirer (Discover) | D01 |
| Z3 | Soft | Unable to go online-declined | D01 |
| N4 | Soft | Cashback request exceeds issuer limit | D01 |
| 68 | Soft | Response Received Too Late (Discover) | D01 |
| 34 | Soft | Suspected Fraud (Discover) | D01 |
| 93 | Soft | Transaction cannot be completed; violation of law | D01 |
| 63 | Soft | Security violation | D01 |
| P5 | Soft | Pin change/unblock request declined | D01 |
| 98 | Soft | Please wait | D01 |
| 37 | Soft | Call Card Acceptor Acquirer Security (Discover) | D01 |
| 88 | Soft | Give courtesy card | D01 |
| R1 | Soft | Revocation of Authorization Order | D01 |
| N0 | Soft | Force STIP | D01 |
| 01 | Soft | Refer to card issuer | D01 |
| 66 | Soft | Card Acceptor Call Aquirer's Security Dept (Discover) | D01 |
| 58 | Soft | Transaction not permitted to terminal | D01 |
| 91 | Soft | Issuer or switch inoperative (stand-in not applicable or available for this transaction) | D01 |
| 83 | Soft | Unable to verify PIN | D01 |
| Q1 | Soft | Card authentication failed | D01 |
| 31 | Soft | Bank Not Supported By Switch (Discover) | D01 |
| 61 | Soft | Exceeds withdrawal amount limit (activity amount limit exceeded) | D01 |
| XA | Soft | Forward to Issuer | D01 |
| 96 | Soft | System malfunction | D01 |
| 35 | Soft | Card Acceptor Contact Acquirer (Discover) | D01 |
| 86 | Soft | Please call issuer | D01 |
| P6 | Soft | Unsafe Pin | D01 |
| R3 | Soft | Revocation of all Authorization Orders | D01 |
| N3 | Soft | Cash service not available | D01 |
| 02 | Soft | Refer to card issuer, special condition | D01 |
| 67 | Soft | Hard Capture (Requires ATM Pickup) (Discover) | D01 |
| 59 | Soft | Suspected Fraud (Discover) | D01 |
| 92 | Soft | Unable to route transaction | D01 |
| T4 | Soft | Unpaid items, failed negative file check | D01 |
| 05 | Soft | Do not honor | D01 |
| 62 | Soft | Restricted card | D01 |
| XD | Soft | Forward to Issuer | D01 |
| 36 | Soft | Restricted Card (Discover) | D01 |
| 51 | Soft | Not sufficient funds | D03 |
| 04 | Hard | Pick up card | D04 |
| 07 | Hard | Pick up card, special condition | D04 |
| 15 | Hard | No such issuer | D05 |
| 25 | Hard | Unable to locate record in file, or account number is missing from the inquiry | D05 |
| 56 | Hard | No Card Record (Discover) | D05 |
| 14 | Hard | Invalid account number (no such number) | D05 |
| 39 | Hard | No Credit Account (Discover) | D06 |
| 53 | Hard | No savings account | D06 |
| 78 | Hard | Invalid/non-existent account specified | D06 |
| 52 | Hard | No checking account | D06 |
| 55 | Soft | Incorrect PIN | D07 |
| 82 | Soft | Incorrect CVV | D08 |
| N7 | Soft | Decline for CVV2 failure | D08 |
| 94 | Soft | Duplicate transmission detected | D09 |
| 41 | Hard | Pick up card (lost card) | D10 |
| 43 | Hard | Pick up card (stolen card) | D11 |
| 03 | Soft | Invalid merchant | D12 |
| 40 | Soft | Requested Function Not Supported (Discover) | D12 |
| 79 | Soft | Invalid merchant | D12 |
| 54 | Hard | Expired card | D16 |
| 33 | Hard | Expired Card (Discover) | D16 |
| 19 | Soft | Re-enter transaction | D17 |
| 13 | Soft | Invalid amount | D18 |
| 75 | Soft | Allowable number of PIN-entry tries exceeded | D21 |
| 38 | Soft | Allowable Pin Tries Exceeded (Discover) | D21 |
| 21 | Hard | No action taken (unable to back out prior transaction) | D27 |
| 77 | Hard | Previous message located for a repeat or reversal, but repeat or reversal data are inconsistent with original message | D27 |
| 30 | Hard | Format error | D27 |
| 90 | Hard | Invalid currency code | D27 |
| 12 | Hard | Invalid transaction | D27 |
| 06 | Hard | Error | D27 |
| 80 | Hard | Invalid date (for use in private label card transactions and check acceptance transactions) | D27 |
| 73 | Hard | Invalid transit routing | D27 |
| Spaces | Hard | Spaces | D27 |
| 76 | Hard | Unable to locate previous message (no match on retrieval reference number) | D27 |
| 64 | Hard | Original Amount Incorrect (Discover) | D27 |
| 28 | Hard | File is temporarily unavailable | D27 |
| 81 | Hard | Cryptographic error found in PIN or CVV. Used by VIC for cryptographic error condition found by security module during PIN decryption or CVV processing | D27 |
| 84 | Hard | Invalid authorization life cycle | D27 |
| 74 | Hard | Invalid FIID | D27 |
| P2 | Hard | Invalid biller information | D27 |
| 97 | Hard | Format error | D27 |
| 46 | Account Closed | D36 |
| Code | Type | Message | SeaPay Code |
|---|---|---|---|
| 00 | Good | Successful approval/completion | A01 |
| 85 | Good | No reason to decline a request for account number verification or address verification | A01 |
| 11 | Good | VIP approval | A01 |
| 95 | Good | Approve VIP | A01 |
| 87 | Good | Approval with ID | A01 |
| 89 | Good | Reversal accepted | A03 |
| 10 | Good | Approved for Partial Amount | A05 |
| R0 | Soft | Stop Payment order | D01 |
| B1 | Soft | Surcharge amount not permitted on Visa Cards | D01 |
| 08 | Soft | Honor with ID | D01 |
| 65 | Soft | Activity count limit exceeded | D01 |
| 57 | Soft | Transaction not permitted to cardholder | D01 |
| 60 | Soft | Card Acceptor Contact Acquirer (Discover) | D01 |
| Z3 | Soft | Unable to go online-declined | D01 |
| N4 | Soft | Cashback request exceeds issuer limit | D01 |
| 68 | Soft | Response Received Too Late (Discover) | D01 |
| 34 | Soft | Suspected Fraud (Discover) | D01 |
| 93 | Soft | Transaction cannot be completed; violation of law | D01 |
| 63 | Soft | Security violation | D01 |
| P5 | Soft | Pin change/unblock request declined | D01 |
| 98 | Soft | Please wait | D01 |
| 37 | Soft | Call Card Acceptor Acquirer Security (Discover) | D01 |
| 88 | Soft | Give courtesy card | D01 |
| R1 | Soft | Revocation of Authorization Order | D01 |
| N0 | Soft | Force STIP | D01 |
| 01 | Soft | Refer to card issuer | D01 |
| 66 | Soft | Card Acceptor Call Aquirer's Security Dept (Discover) | D01 |
| 58 | Soft | Transaction not permitted to terminal | D01 |
| 91 | Soft | Issuer or switch inoperative (stand-in not applicable or available for this transaction) | D01 |
| 83 | Soft | Unable to verify PIN | D01 |
| Q1 | Soft | Card authentication failed | D01 |
| 31 | Soft | Bank Not Supported By Switch (Discover) | D01 |
| 61 | Soft | Exceeds withdrawal amount limit (activity amount limit exceeded) | D01 |
| XA | Soft | Forward to Issuer | D01 |
| 96 | Soft | System malfunction | D01 |
| 35 | Soft | Card Acceptor Contact Acquirer (Discover) | D01 |
| 86 | Soft | Please call issuer | D01 |
| P6 | Soft | Unsafe Pin | D01 |
| R3 | Soft | Revocation of all Authorization Orders | D01 |
| N3 | Soft | Cash service not available | D01 |
| 02 | Soft | Refer to card issuer, special condition | D01 |
| 67 | Soft | Hard Capture (Requires ATM Pickup) (Discover) | D01 |
| 59 | Soft | Suspected Fraud (Discover) | D01 |
| 92 | Soft | Unable to route transaction | D01 |
| T4 | Soft | Unpaid items, failed negative file check | D01 |
| 05 | Soft | Do not honor | D01 |
| 62 | Soft | Restricted card | D01 |
| XD | Soft | Forward to Issuer | D01 |
| 36 | Soft | Restricted Card (Discover) | D01 |
| 51 | Soft | Not sufficient funds | D03 |
| 04 | Hard | Pick up card | D04 |
| 07 | Hard | Pick up card, special condition | D04 |
| 15 | Hard | No such issuer | D05 |
| 25 | Hard | Unable to locate record in file, or account number is missing from the inquiry | D05 |
| 56 | Hard | No Card Record (Discover) | D05 |
| 14 | Hard | Invalid account number (no such number) | D05 |
| 39 | Hard | No Credit Account (Discover) | D06 |
| 53 | Hard | No savings account | D06 |
| 78 | Hard | Invalid/non-existent account specified | D06 |
| 52 | Hard | No checking account | D06 |
| 55 | Soft | Incorrect PIN | D07 |
| 82 | Soft | Incorrect CVV | D08 |
| N7 | Soft | Decline for CVV2 failure | D08 |
| 94 | Soft | Duplicate transmission detected | D09 |
| 41 | Hard | Pick up card (lost card) | D10 |
| 43 | Hard | Pick up card (stolen card) | D11 |
| 03 | Soft | Invalid merchant | D12 |
| 40 | Soft | Requested Function Not Supported (Discover) | D12 |
| 79 | Soft | Invalid merchant | D12 |
| 54 | Hard | Expired card | D16 |
| 33 | Hard | Expired Card (Discover) | D16 |
| 19 | Soft | Re-enter transaction | D17 |
| 13 | Soft | Invalid amount | D18 |
| 75 | Soft | Allowable number of PIN-entry tries exceeded | D21 |
| 38 | Soft | Allowable Pin Tries Exceeded (Discover) | D21 |
| 21 | Hard | No action taken (unable to back out prior transaction) | D27 |
| 77 | Hard | Previous message located for a repeat or reversal, but repeat or reversal data are inconsistent with original message | D27 |
| 30 | Hard | Format error | D27 |
| 90 | Hard | Invalid currency code | D27 |
| 12 | Hard | Invalid transaction | D27 |
| 06 | Hard | Error | D27 |
| 80 | Hard | Invalid date (for use in private label card transactions and check acceptance transactions) | D27 |
| 73 | Hard | Invalid transit routing | D27 |
| Spaces | Hard | Spaces | D27 |
| 76 | Hard | Unable to locate previous message (no match on retrieval reference number) | D27 |
| 64 | Hard | Original Amount Incorrect (Discover) | D27 |
| 28 | Hard | File is temporarily unavailable | D27 |
| 81 | Hard | Cryptographic error found in PIN or CVV. Used by VIC for cryptographic error condition found by security module during PIN decryption or CVV processing | D27 |
| 84 | Hard | Invalid authorization life cycle | D27 |
| 74 | Hard | Invalid FIID | D27 |
| P2 | Hard | Invalid biller information | D27 |
| 97 | Hard | Format error | D27 |
| 46 | Account Closed | D36 |