Issuer decline codes & Merchant advise codes (MAC)

1

Issuer will never approve

An account or transaction type is permanently blocked and will never be approved by the issuer.

An account or transaction type is permanently blocked and will never be approved by the issuer.

5003,5004,5007,
5008,5012, 5015, 5041,5043, 5057, 5062,5078, 5093,
5250

2

Issuer cannot approve at this time

Issuers must provide Category 2 response codes for any temporary decline condition.

Acquirers / merchants may resubmit a declined transaction for authorization a maximum of 15 times in 30 days.

5019, 5031, 5032, 5051, 5059, 5061, 5065, 5075,5086, 5091, 5096

3

Data quality (re-validate data)

Invalid payment or authentication data has been provided and approval may be obtained at a future date if resubmitted with corrected information.

Issuers must provide Category 3 response codes to indicate the decline condition is due to invalid data, and may choose to approve a resubmission with corrected information.

Acquirers / merchants may resubmit a declined transaction for authorization a maximum of 15 times in 30 days.

5014, 5034, 5054, 5055,5082

4

Generic response codes

All other decline responses not contained in Categories 1 through 3.

Issuers may use response codes in Category 4 only when no other decline response code can logically be applied.

Acquirers / merchants are permitted to resubmit a declined transaction for authorization a maximum of 15 times in 30 days.

5000, 5001,5005,
5006, 5010, 5013,
5016, 5030, 5046,
5058, 5063, 5070,
5080, 5085, 5094,
5099, 5220, 5221,
5222, 5223, 5224,
5225