Appendix 2 - Response Code

 

Response Code Description
00 Approved
01 Refer To Issuer
02 Refer To Issuer, special condition
03 Invalid Merchant ID
04 Pick Up Card
05 Do Not Honour
06 Error
07 Pick Up Card, special condition
08 Check Signature/Id or Honor with ID
10 Partial Approval
11 VIP Approval
12 Invalid Transaction
13 Invalid Amount
14 Invalid Card No
15 Invalid Issuer
16 Approved to update track 3 (Reserved)
17 Customer Cancellation (Reversal only)
19 Re-enter Transaction
21 No Transactions
22 Related Transaction Error; Suspected Malfunction
24 Invalid Currency Code
25 Terminated/Inactive card
30 Message Format Error
31 Bank ID Not Found
32 Partial Reversal
38 PIN Try Limit Exceeded
41 Card Reported Lost
43 Stolen Card
44 PIN Change Require
45 Card Not Activated For Use
51 Insufficient Fund
52 No Checking Account
53 No Savings Account
54 Expired Card
55 Invalid PIN
56 Invalid Card
57 Transaction Not Permitted to Cardholder
58 Transaction Not Permitted to Terminal
59 Suspected Fraud
61 Over Limit
62 Restricted Card
63 Security Violation
64 Transaction does not fulfill AML requirement
65 Exceeds Withdrawal Count Limit
70 Contact Card Issuer
71 PIN not changed
75 PIN Tries Exceeded
76 Invalid Description Code
77 Reconcile Error
78 Invalid Trace/TMK Reference No
79 Batch Already Open
80 Invalid Batch No
82 CVV Validation Error
85 Batch Not Found
86 PIN Validation Not Possible
87 Purchase Amount Only, No Cash Back Allowed
88 Cryptographic Failure, Call Issuer
89 Invalid Terminal ID
91 Issuer/Switch Inoperative
92 Destination Cannot Be Found for Routing
93 Transaction cannot be completed; violation of law
94 Duplicate Transaction
95 Total Mismatch
96 System Malfunction/Error
98 Issuer Response Not Receive by UnionPay
99 Declined
B1 Do Not Allow Attempt
C1 Channel not found
C2 Invalid Terminal
C3 Inactive Terminal
C4 Routing Not Allowed
E1 MAC Failed
E2 Channel Error
E3 Requesting NII not registered
E4 Invalid Data in Request
F3 User Cancel the Transaction
G1 Host Timeout
G2 HSM Error Found
SHC001 Invalid Parameter
SHC002 Auto Settlement Is Running
SHC003 No Batch To Settle
SHC004 Settlement Fail
SHC005 User Cancel The Transaction
SHC006 Timeout
SHC007 Terminal System Error
SHC008 Transaction Not Found
SHC009 Payment Session Terminated
ZT Transaction Reversal
ZU Timeout
ZV Empty Secure Key
ZW Card Declined Transaction
ZX Please Insert or Try Another Card
ZY Please Insert Card
ZZ Card Not Supported
Last updated on 5th Aug 2025