Error Catalog

This catalog lists the possible API responses for Card Present transaction scenarios in Chile: HTTP status codes, Kushki internal codes, and ISO codes returned by Visa and Mastercard.

HTTP Status Codes

Code	Message	Description
`200`	OK	The request was successful.
`400`	Bad Request	The server cannot interpret the request — incorrect syntax, missing required parameters, or invalid values.
`401`	Authorization Required	Authentication credentials are missing or invalid.
`403`	Forbidden	The credential does not have permission to perform this action.
`404`	Not Found	The requested resource or endpoint does not exist.
`409`	Conflict	The request conflicts with the current state of the resource (e.g., duplicate `client_transaction_id` for a different transaction).
`410`	Gone	The resource has been permanently deleted.
`412`	Precondition Failed	Access to the target resource has been denied.
`429`	Too Many Requests	Rate limit exceeded — too many requests in a short period.
`430`	Request Header Fields Too Large	The server is unwilling to process the request because its header fields are too large.
`500`	Internal Server Error	An unexpected error occurred on Kushki's servers.
`502`	Bad Gateway	Kushki received an invalid response from an upstream server.
`503`	Service Temporarily Unavailable	The service is under maintenance or temporarily overloaded.
`504`	Gateway Timeout	Kushki did not receive a response from the upstream server in time.

Kushki response codes — Charges

The kushki_response object in the API response carries the processor/issuer result:

"kushki_response": {
  "code": "01",
  "message": "Refer to card issuer"
}

Kushki internal code

"kushki_response": {
  "code": "006",
  "message": "Card brand not supported"
}

Code 006 appears when Kushki blocks the transaction — for example, because the card brand is not enabled for the merchant.

ISO codes — Charges

Code	Message	What to do
`000`	Approved or completed successfully	Transaction was approved.
`01`	Refer to card issuer	Cardholder must contact their card issuer.
`04`	Capture card	Cardholder must use a different card and contact their issuer.
`05`	Do not honor	Cardholder should retry the transaction.
`06`	Error	Cardholder should call their issuing bank.
`09`	Request in progress (duplicate)	Transaction not allowed by the processor or issuer. Use an alternative card.
`10`	Approved partial	Cardholder should use an alternative card from a different issuer.
`12`	Invalid transaction	Transaction cancelled by cardholder or invalid.
`15`	No such issuer	Cardholder should use an alternative card.
`17`	No such issuer	A format error occurred at the time of making the transaction.
`1A`	Additional customer authentication required	Cardholder must use a different card and contact their issuer.
`32`	Expired card	Cardholder must use a different card and contact their issuer.
`34`	Suspected fraud	Cardholder must use a different card and contact their issuer.
`35`	Card acceptor contact acquirer	Cardholder must use a different card and contact their issuer.
`37`	Card acceptor call acquirer security	Use an alternative card.
`39`	No credit account	Cardholder must use a different card and contact their issuer.
`41`	Lost card	Cardholder must contact their card issuer.
`51`	Not sufficient funds	Cardholder should use an alternative card.
`54`	Expired card	Cardholder should use an alternative card.
`57`	Transaction not permitted to cardholder	Cardholder must use a different card and contact their issuer.
`59`	Suspected fraud	PIN change was not completed successfully.
`61`	Exceeds withdrawal amount limit	Cardholder should use an alternative card.
`62`	Restricted card	Cardholder should retry or use an alternative card.
`6P`	Verification data failed	Retry or use an alternative card from a different issuer.
`75`	Allowable number of PIN tries exceeded	Contact the issuer for more information.
`78`	Invalid/nonexistent account	Transaction declined due to matching a previous transaction.
`80`	No financial impact	Cardholder should retry or use an alternative card from a different issuer.
`81`	Cryptographic error in PIN	Cardholder should use an alternative card.
`86`	Cannot verify PIN	A Visa request for additional cardholder authentication.
`89`	Unacceptable PIN — Transaction Declined — Retry	Retry the transaction.
`91`	Authorization system or issuer system inoperative	Retry or use a different card.
`92`	Unable to route transaction	Retry or contact the issuer.
`93`	Transaction cannot be completed — violation of law	—
`U1`	Security module parameter error	—

Kushki response codes — Voids and reversals

"kushki_response": {
  "code": "01",
  "message": "Refer to card issuer"
}

Code	Message	What to do
`000`	Transacción Aprobada	Transaction was successfully approved.
`01`	Refer to card issuer	Cardholder must contact their card issuer.
`04`	Capture card	Retry the transaction.
`05`	Do not honor	Retry the transaction.
`12`	Invalid transaction	Not allowed by the processor or issuer — contact the card issuer.
`32`	Expired card	Cardholder should use an alternative card.
`41`	Lost card	Cardholder should contact their card issuer.
`57`	Transaction not permitted to cardholder	Cardholder should contact their card issuer.
`62`	Restricted card	Cardholder should contact their card issuer.
`91`	Authorization system or issuer system inoperative	Retry the transaction.
`92`	Unable to route transaction	Retry or contact the issuer.
`6P`	Verification data failed	Retry the transaction.
`E016`	Refund not available	Check that the refund is within the allowed period (max 120 days).

ISO codes by card brand

Mastercard

Visa

ISO Code	Description
`00`	Approved or completed successfully
`01`	Refer to card issuer
`03`	Invalid merchant
`04`	Capture card
`05`	Do not honor
`08`	Honor with ID
`10`	Partial approval
`12`	Invalid transaction
`13`	Invalid amount
`14`	Invalid card number
`15`	Invalid issuer
`30`	Format error
`41`	Lost card
`43`	Stolen card
`51`	Insufficient funds / over credit limit
`54`	Expired card
`55`	Invalid PIN
`57`	Transaction not permitted to issuer/cardholder
`58`	Transaction not permitted to acquirer/terminal
`61`	Exceeds withdrawal amount limit
`62`	Restricted card
`63`	Security violation
`65`	Exceeds withdrawal count limit
`70`	Contact card
`71`	Issuer PIN not changed
`75`	Allowable number of PIN tries exceeded
`76`	Invalid/nonexistent "To Account" specified
`77`	Invalid/nonexistent "From Account" specified
`78`	Life cycle (Mastercard use only, 0110 messages)
`79`	Life cycle (Mastercard use only, 0110 messages)
`81`	Domestic debit transaction not allowed (regional use only)
`82`	Policy (Mastercard use only, 0110 messages)
`83`	Fraud/security (Mastercard use only, 0110 messages)
`84`	Invalid authorization life cycle
`85`	Not declined — valid for zero amount transactions
`86`	PIN validation not possible
`87`	Purchase amount only — no cashback allowed
`88`	Cryptographic failure
`89`	Unacceptable PIN — retry
`91`	Authorization system or issuer system inoperative
`92`	Unable to route transaction
`94`	Duplicate transmission detected
`96`	System error

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HTTP Status Codes#

Kushki response codes — Charges#

Kushki internal code#

ISO codes — Charges#