| Code | Type | Message | SeaPay Code |
|---|---|---|---|
| AP | Good | Amex Express Rewards Approval | A01 |
| 85 | Good | No reason to decline (account verification) | A01 |
| AA | Good | Approval | A01 |
| AV | Good | Approval, VIP | A01 |
| 87 | Good | Approve purchase amount, not cash back amount | A01 |
| 00 | Good | Approved | A01 |
| NX | Good | Acknowledgment of refund request | A02 |
| 10 | Good | Partial approval | A05 |
| AB | Good | Partially Approved | A05 |
| 01 | Soft | Refer to card issuer | D01 |
| NS | Soft | Decline, Special | D01 |
| 02 | Soft | Refer to card issuer, special condition | D01 |
| 05 | Soft | Do not honor | D01 |
| 08 | Soft | Honor with identification | D01 |
| ND | Soft | Decline | D01 |
| 80 | Hard | Invalid date | D02 |
| 73 | Soft | Over Max Balance (Gift Card) | D03 |
| 51 | Soft | Insufficient funds | D03 |
| 04 | Hard | Pick up card | D04 |
| F1 | Hard | Decline, pick up card (fraud) | D04 |
| 07 | Hard | Pick up card, special condition | D04 |
| NC | Hard | Decline, pick up card | D04 |
| 14 | Hard | Invalid account number | D05 |
| 78 | Hard | Invalid account | D05 |
| 91 | Hard | Issuer unavailable | D06 |
| 52 | Hard | No checking account | D06 |
| 39 | Hard | No Credit Account | D06 |
| 53 | Hard | No savings account | D06 |
| 15 | Hard | No such issuer | D06 |
| 55 | Soft | Incorrect PIN | D07 |
| NP | Soft | PIN Invalid or Retries Exceeded | D07 |
| 83 | Soft | Unable to verify PIN | D07 |
| N7 | Soft | Decline for CVV2 | D08 |
| 82 | Soft | Incorrect CVV | D08 |
| 63 | Soft | Security violation (AMEX CID invalid) | D08 |
| 94 | Soft | Duplicate transaction detected | D09 |
| 41 | Hard | Pick up card (lost) | D10 |
| 43 | Hard | Pick up card (stolen card) | D11 |
| 58 | Soft | Transaction not allowed at terminal | D12 |
| 57 | Soft | Transaction not permitted to cardholder | D12 |
| R3 | Hard | Stop payment order on all instances of all recurring payments – account closed field | D13 |
| R0 | Hard | Stop payment order on a specific recurring payment – one time | D13 |
| R1 | Hard | Stop payment order on all instances of a specific recurring payment | D13 |
| 61 | Soft | Exceeds withdrawal amount limit | D15 |
| 65 | Soft | Activity count limit | D15 |
| NE | Hard | Decline, Expired Card | D16 |
| 54 | Hard | Expired card | D16 |
| 19 | Soft | Reenter transaction | D17 |
| RE | Soft | Retry, no response received | D17 |
| 13 | Soft | Invalid amount | D18 |
| 75 | Soft | Allowable number of PIN tries exceeded | D21 |
| 32 | Hard | Partial reversal (Mastercard) | D27 |
| 74 | Hard | Invalid Activate (Gift Card) | D27 |
| 72 | Hard | Cad Already Closed (Gift Card) | D27 |
| 17 | Hard | Customer cancelled | D27 |
| 06 | Hard | Error | D27 |
| 30 | Hard | Format error | D27 |
| 70 | Hard | Card Already Active (Gift Card) | D27 |
| RJ | Hard | Edit reject, not processed | D27 |
| 56 | Hard | Cardholder not on file (Discover) | D27 |
| 68 | Hard | Response received late | D27 |
| 12 | Hard | Invalid transaction | D27 |
| 31 | Hard | Merchant not in file (Discover) | D27 |
| 71 | Hard | Card Not Active (Gift Card) | D27 |
| 96 | Hard | System malfunction | D27 |
| 21 | Hard | Unable to back out transaction | D27 |
| 69 | Hard | Bad Close (Gift Card) | D27 |
| 62 | Soft | Restricted card | D29 |
| NR | Soft | Referral, call bank | D30 |
| 59 | Soft | Referral (Discover) | D30 |
| 03 | Soft | Invalid merchant number | D33 |
| Code | Message | SeaPay Code |
|---|---|---|
| Z | 5 digit zip matches, address doesn't | 00 |
| B | Street addresses match, postal codes not verified | 40 |
| U | UNAVAILABLE, address info. not avail | 40 |
| S | SERVICE not supported by issuing bank | 40 |
| G | GLOBAL non-participant | 44 |
| X | EXACT, address and 9 digit zip match | 45 |
| Y | YES, address and 5 digit zip match | 47 |
| E | ERROR, trans. ineligible or edit error | 4D |
| A | ADDRESS matches, zip does not match | 4D |
| N | NO, address and zip do not match | 4F |
| R | RETRY, system unavailable or timed out | 4F |
| W | WHOLE ZIP (9 digit zip) matches, address doesn't | 4F |
| D | Street addresses and postal codes match | 4F |
| I | Address information not verified | 53 |
| M | Street addresses and postal codes match | 53 |
| P | Postal codes match, street addresses not verified | 53 |
| C | Street addresses and postal codes not verified | 80 |
| Code | Type | Message | SeaPay Code |
|---|---|---|---|
| AP | Good | Amex Express Rewards Approval | A01 |
| 85 | Good | No reason to decline (account verification) | A01 |
| AA | Good | Approval | A01 |
| AV | Good | Approval, VIP | A01 |
| 87 | Good | Approve purchase amount, not cash back amount | A01 |
| 00 | Good | Approved | A01 |
| NX | Good | Acknowledgment of refund request | A02 |
| 10 | Good | Partial approval | A05 |
| AB | Good | Partially Approved | A05 |
| 01 | Soft | Refer to card issuer | D01 |
| NS | Soft | Decline, Special | D01 |
| 02 | Soft | Refer to card issuer, special condition | D01 |
| 05 | Soft | Do not honor | D01 |
| 08 | Soft | Honor with identification | D01 |
| ND | Soft | Decline | D01 |
| 80 | Hard | Invalid date | D02 |
| 73 | Soft | Over Max Balance (Gift Card) | D03 |
| 51 | Soft | Insufficient funds | D03 |
| 04 | Hard | Pick up card | D04 |
| F1 | Hard | Decline, pick up card (fraud) | D04 |
| 07 | Hard | Pick up card, special condition | D04 |
| NC | Hard | Decline, pick up card | D04 |
| 14 | Hard | Invalid account number | D05 |
| 78 | Hard | Invalid account | D05 |
| 91 | Hard | Issuer unavailable | D06 |
| 52 | Hard | No checking account | D06 |
| 39 | Hard | No Credit Account | D06 |
| 53 | Hard | No savings account | D06 |
| 15 | Hard | No such issuer | D06 |
| 55 | Soft | Incorrect PIN | D07 |
| NP | Soft | PIN Invalid or Retries Exceeded | D07 |
| 83 | Soft | Unable to verify PIN | D07 |
| N7 | Soft | Decline for CVV2 | D08 |
| 82 | Soft | Incorrect CVV | D08 |
| 63 | Soft | Security violation (AMEX CID invalid) | D08 |
| 94 | Soft | Duplicate transaction detected | D09 |
| 41 | Hard | Pick up card (lost) | D10 |
| 43 | Hard | Pick up card (stolen card) | D11 |
| 58 | Soft | Transaction not allowed at terminal | D12 |
| 57 | Soft | Transaction not permitted to cardholder | D12 |
| R3 | Hard | Stop payment order on all instances of all recurring payments – account closed field | D13 |
| R0 | Hard | Stop payment order on a specific recurring payment – one time | D13 |
| R1 | Hard | Stop payment order on all instances of a specific recurring payment | D13 |
| 61 | Soft | Exceeds withdrawal amount limit | D15 |
| 65 | Soft | Activity count limit | D15 |
| NE | Hard | Decline, Expired Card | D16 |
| 54 | Hard | Expired card | D16 |
| 19 | Soft | Reenter transaction | D17 |
| RE | Soft | Retry, no response received | D17 |
| 13 | Soft | Invalid amount | D18 |
| 75 | Soft | Allowable number of PIN tries exceeded | D21 |
| 32 | Hard | Partial reversal (Mastercard) | D27 |
| 74 | Hard | Invalid Activate (Gift Card) | D27 |
| 72 | Hard | Cad Already Closed (Gift Card) | D27 |
| 17 | Hard | Customer cancelled | D27 |
| 06 | Hard | Error | D27 |
| 30 | Hard | Format error | D27 |
| 70 | Hard | Card Already Active (Gift Card) | D27 |
| RJ | Hard | Edit reject, not processed | D27 |
| 56 | Hard | Cardholder not on file (Discover) | D27 |
| 68 | Hard | Response received late | D27 |
| 12 | Hard | Invalid transaction | D27 |
| 31 | Hard | Merchant not in file (Discover) | D27 |
| 71 | Hard | Card Not Active (Gift Card) | D27 |
| 96 | Hard | System malfunction | D27 |
| 21 | Hard | Unable to back out transaction | D27 |
| 69 | Hard | Bad Close (Gift Card) | D27 |
| 62 | Soft | Restricted card | D29 |
| NR | Soft | Referral, call bank | D30 |
| 59 | Soft | Referral (Discover) | D30 |
| 03 | Soft | Invalid merchant number | D33 |
| Code | Message | SeaPay Code |
|---|---|---|
| Z | 5 digit zip matches, address doesn't | 00 |
| B | Street addresses match, postal codes not verified | 40 |
| U | UNAVAILABLE, address info. not avail | 40 |
| S | SERVICE not supported by issuing bank | 40 |
| G | GLOBAL non-participant | 44 |
| X | EXACT, address and 9 digit zip match | 45 |
| Y | YES, address and 5 digit zip match | 47 |
| E | ERROR, trans. ineligible or edit error | 4D |
| A | ADDRESS matches, zip does not match | 4D |
| N | NO, address and zip do not match | 4F |
| R | RETRY, system unavailable or timed out | 4F |
| W | WHOLE ZIP (9 digit zip) matches, address doesn't | 4F |
| D | Street addresses and postal codes match | 4F |
| I | Address information not verified | 53 |
| M | Street addresses and postal codes match | 53 |
| P | Postal codes match, street addresses not verified | 53 |
| C | Street addresses and postal codes not verified | 80 |