Success (00) - The transaction was approved, so no action is needed.

Refer to issuer (01) - The payer’s bank blocked the transaction, so the payer will need to contact their bank or use a different card.

Refer to issuer (02) - The payer’s bank blocked the transaction, so the payer will need to contact their bank or use a different card.

Invalid merchant ID (03) - This indicates a merchant configuration issue, so the property manager should contact Property Matrix support.

Pick up card and deny transaction (04) - The payment should be declined, and the payer will need to contact their bank and use a different card.

Do not honor (05) - The payer’s bank declined the transaction, so the payer will need to contact their bank or use a different card.

Customer requested stop to recurring payment (06) - The payer has stopped recurring payments, so they will need to remove the stop with their bank or use a different payment method.

Pick up card (fraud) (07) - The payment should be declined, and the payer will need to contact their bank and use a different card.

Honor with ID only (08) - If paying in person, the property manager should verify the payer’s ID; otherwise the payer will need to use a different payment method.

Unpaid items on customer account (09) - The payer’s account has unpaid items or restrictions, so the payer will need to contact their bank or use a different card.

Approved for partial amount (10) - Partial approvals are not supported, so the payer will need to use a different payment method.

VIP approval (11) - Partial approvals are not supported, so the payer will need to use a different payment method.

Invalid transaction (12) - The transaction data is invalid, so the payer should re-enter the payment details and try again.

Amount error (13) - There was an amount error, so the property manager should verify the amount and try again.

Invalid card number (14) - The card number is invalid, so the payer will need to re-enter it and try again.

No such issuer. (15) - The issuer could not be identified, so the payer will need to contact their bank or use a different card.

Refund error (16) - A refund could not be processed, so the property manager should contact Property Matrix support.

Over limit (17) - A limit on the payer’s card was exceeded, so the payer will need to contact their bank or use a different card.

Boarded Incorrectly (19) - This indicates a merchant configuration issue, so the property manager should contact Property Matrix support.

Unable to back out transaction (21) - A reversal/void could not be completed, so the property manager should contact Property Matrix support.

Unable to contact issuing bank, Try Again (22) - The issuer could not be reached or timed out, so the payer should try again later.

Invalid terminal (25) - This indicates a terminal/device configuration issue, so the property manager should contact Property Matrix support.

Update file temporarily unavailable (28) - The issuer’s update service is unavailable, so the payer should try again later.

Transaction cancelled (34) - Possible fraud was detected, so the payer will need to contact their bank or use a different card.

Lost card (41) - The card appears to be reported lost/stolen, so the payer will need to contact their bank and use a different card.

Stolen card (43) - The card appears to be reported lost/stolen, so the payer will need to contact their bank and use a different card.

Closed Account (46) - The card account is closed, so the payer will need to use a different card.

Pick up card (44) - The payment should be declined, and the payer will need to contact their bank and use a different card.

Insufficient funds (51) - The payer has insufficient funds, so they will need to use a different payment method or contact their bank.

No such account (52) - The bank account could not be found, so the payer will need to contact their bank or use a different payment method.

No such account (53) - The bank account could not be found, so the payer will need to contact their bank or use a different payment method.

Expired card (54) - The card is expired, so the payer will need to use a current card.

Incorrect PIN (55) - PIN entry is required or incorrect, so the payer will need to enter the correct PIN or use a different payment method.

Invalid Card (56) - The payer will need to contact their bank or use a different payment method.

Bank does not allow this type of purchase (57) - This type of purchase is not allowed for the card, so the payer will need to contact their bank or use a different card.

Credit card network does not allow this purchase. (58) - This type of purchase is not allowed for the card network, so the payer will need to use a different payment method.

Credit card network does not allow this purchase. (59) - This type of purchase is not allowed for the card network, so the payer will need to use a different payment method.

Exceeds issuer withdrawal limit (61) - A limit on the payer’s card was exceeded, so the payer will need to contact their bank or use a different card.

Issuer does not allow this card to be charged for your business. (62) - Purchases for this business type are restricted for this card, so the payer will need to contact their bank or use a different card.

Security Violation (63) - The property manager should contact Property Matrix support if further assistance is needed.

Activity limit exceeded (65) - A limit on the payer’s card was exceeded, so the payer will need to contact their bank or use a different card.

PIN tries exceeded (75) - Too many incorrect PIN attempts were made, so the payer will need to contact their bank.

Unable to locate account (76) - The payer will need to contact their bank or use a different payment method.

Duplicate reversal or duplicate transaction (77) - A duplicate transaction was detected, so the property manager should avoid retrying and contact Property Matrix support if needed.

Account not recognized (78) - The payer will need to contact their bank or use a different payment method.

Invalid Date (80) - A date field was invalid, so the payer should re-enter the payment details and try again.

Cryptographic error (81) - A card security/authentication check failed, so the payer should try again or contact their bank.

Invalid CVV (82) - The security code does not match, so the payer will need to re-enter it and try again.

Cannot verify the PIN (83) - The property manager should contact Property Matrix support if further assistance is needed.

Card okay on verification request (85) - Manual authorization is not supported here, so the payer will need to contact their bank or use a different card.

Cannot verify PIN (86) - The property manager should contact Property Matrix support if further assistance is needed.

Issuer or switch unavailable (91) - The issuer could not be reached or timed out, so the payer should try again later.

Unable to route transaction (92) - The issuer could not be reached or timed out, so the payer should try again later.

Cannot complete transaction. (93) - The payer will need to contact their bank or use a different payment method.

Duplicate transaction (94) - A duplicate transaction was detected, so the property manager should avoid retrying and contact Property Matrix support if needed.

Misc. Error Transaction failure (95) - A transaction failure occurred, so the payer should try again and contact their bank if it continues.

Issuer system malfunction or timeout. (96) - The issuer could not be reached or timed out, so the payer should try again later.

Approved for a lesser amount. (97) - Partial approvals are not supported, so the payer will need to use a different payment method.

Failure HV (98) - This indicates a configuration or device issue, so the property manager should contact Property Matrix support.

Generic decline or unable to parse issuer response code. (99) - The payer’s bank declined the transaction, so the payer will need to contact their bank or use a different card.

Decline (101) - The issuer declined the transaction, so the payer will need to confirm their card details, contact their bank, or use another card.

Referral B – Contact Authorization Center (102) - Manual authorization is not supported, so the payer will need to contact their bank or use a different card.

Referral A - The card has been reported lost or stolen (103) - The card appears to be reported lost/stolen, so the payer will need to contact their bank and use a different card.

Surcharge not permitted (B1) - Surcharges are not allowed for this card, so the payer needs to use a different payment method.

Surcharge not permitted (B2) - Surcharges are not allowed for this card, so the payer needs to use a different payment method.

AVS Referral (CA) - Billing address verification needs review, so the payer should confirm their billing address or contact their bank.

Card type verification error (CV) - Card type verification failed, so the payer should use a different card or contact their bank.

Encryption not configured (E1) - This indicates a configuration or device issue, so the property manager should contact Property Matrix support.

Terminal not authenticated (E2) - This indicates a configuration or device issue, so the property manager should contact Property Matrix support.

Data could not be decrypted (E3) - This indicates a configuration or device issue, so the property manager should contact Property Matrix support.

Account Length Error (EA) - The card number is invalid, so the payer will need to re-enter it and try again.

Check digit error (EB) - The card number is invalid, so the payer will need to re-enter it and try again.

CID Format error (EC) - The security code does not match, so the payer will need to re-enter it and try again.

Fraud (FR) - The transaction was declined due to suspected fraud, so the payer should contact their bank or use a different card.

Failure HV (HV) - This indicates a configuration or device issue, so the property manager should contact Property Matrix support.

Force STIP (N0) - This indicates a network stand-in processing response, so the payer should try again later or use a different card.

Cash service not available (N3) - Cash-back is not available, so the property manager should remove any cash-back request and try again.

Cash request exceeds issuer or approved limit (N4) - Cash-back is not available, so the property manager should remove any cash-back request and try again.

Ineligible for resubmission (N5) - The transaction cannot be resubmitted, so the property manager should contact Property Matrix support.

Decline for CVV2 failure (N7) - The security code failed, so the payer should re-enter it and try again.

Transaction amount exceeds preauthorized approval amount (N8) - The amount exceeds the authorized amount, so the property manager should contact Property Matrix support.

Parameter Download (PD) - This indicates a configuration or device issue, so the property manager should contact Property Matrix support.

Card Authentication failed (Q1) - A card security/authentication check failed, so the payer should try again or contact their bank.

Stop Payment Order (R0) - The payer has a stop/cancel on payments, so they will need to contact their bank or use a different payment method.

Revoke Auth (R1) - A reversal/void could not be completed, so the property manager should contact Property Matrix support.

Cancel Payment (R3) - The payer has a stop/cancel on payments, so they will need to contact their bank or use a different payment method.

Additional customer authentication required (1A) - Additional authentication is required, so the payer will need to complete the authentication step or use a different card.

PIN Data Required (70) - PIN entry is required or incorrect, so the payer will need to enter the correct PIN or use a different payment method.

Invalid Cryptogram (D3) - A card security/authentication check failed, so the payer should try again or contact their bank.