Kushki Error Catalog for POS transactions

This catalog outlines the possible API responses for various transaction scenarios, including status codes, messages, and descriptions. It covers declines from issuers and brands when transactions are externally evaluated, helping you understand approvals and rejections more effectively.

HTTP Status Codes

Kushki might return different HTTP status codes depending on the requests made. Below are the most common HTTP status codes, their associated standard message, as well as a more detailed description of the response.

Code	Message	Detail
200	OK	The process was successful. Everything worked as expected, according to the HTTP method
400	Bad Request	The server cannot interpret the request (incorrect syntax, too large size, missing parameters)
401	Authorization Required	Credentials must be authenticated, or authentication has failed
403	Forbidden	Do not have the necessary permissions to perform this action
404	Not Found	Resource or page not found
409	Conflict	The request cannot be processed because of a conflict with the resource (e.g., multiple simultaneous updates)
410	Gone	The requested resource has been deleted from the server, and will no longer be available
412	Precondition failed	Indicates that access to the target resource has been denied
429	Too Many Requests	Too many requests have been sent in a short period of time
430	Request Header Fields Too Large	This status code indicates that the server is unwilling to process the request because its header fields are too large.
500	Internal Server Error	An unexpected server-side error occurred
502	Bad Gateway	The server (acting as a proxy or gateway) received an invalid response from another server
503	Service Temporarily Unavailable	The server is unavailable (usually because it is under maintenance, or because it is overloaded)
504	Gateway Timeout	The server (acting as a proxy or gateway) has not received a response from the other server in time

Codes returned by Kushki in POS charges

The response codes received by processors and issuers will appear in the kushki_response object as in the next example

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

Error 006

This error code appears when Kushki blocks the card, for example if the brand is not supported.

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

In case this code comes from the Card franchises (Visa, Mastercard or Prosa), it will have two digits. Below you will find the most common response codes, including declinations:

ISO Error 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 OR Identity Check Soft-Decline of EMV 3DS Authentication (merchant should resubmit authentication with 3DSv1)
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	Invalid/nonexistent account specified (general)
79	Life cycle (Mastercard use only for 0110 messages)
81	Domestic Debit Transaction Not Allowed (Regional use only)
82	Policy (Mastercard use only for 0110 messages)
83	Fraud/Security (Mastercard use only for 0110 messages)
84	Invalid Authorization Life Cycle
85	Not declined Valid for all zero amount transactions.
86	PIN Validation not possible
87	Purchase Amount Only, No Cash Back Allowed
88	Cryptographic failure
89	Unacceptable PIN— Transaction Declined— Retry
91	Authorization System or issuer system inoperative
92	Unable to route transaction
94	Duplicate transmission detected
96	System error

ISO Error Code	Description
00	Approval and completed successfully Accepted and processed
01	Refer to card issuer
02	Refer to card issuer, special condition
03	Invalid merchant
04	Pick up card (no fraud)
05	Do not honor
06	Error
07	Pick up card, special condition (fraud account)
10	Partial Approval
11	Approved
12	Invalid transaction
13	Either Invalid amount or Currency conversion field overflow
14	Either invalid card number, No modulus 10 check, not a valid length for issuer or not in positive PIN Verification file l Separator in wrong position
15	No such issuer (first 8 digits of account number do not relate to an issuing identifier)
19	Re-enter transaction
21	No action taken
25	Unable to locate record in file
28	File is temporarily unavailable for update or inquiry
39	No credit account
41	Lost card, pick up card (fraud account)
43	Stolen card, pick up (fraud account)
46	Closed account
51	Not sufficient funds
52	No checking account
53	No savings account
54	Expired card or expiration date missing
55	PIN incorrect or missing
57	Used by switch when function requested is not allowed for product or card type
58	Transaction not allowed at terminal
59	Suspected fraud
61	Exceeds approval amount limit
62	Restricted card (card invalid in region or country)
63	Security violation (source not correct issuer)
64	Transaction does not fulfill AML requirement
65	Exceeds withdrawal frequency limit
70	PIN data required
74	Different value than that used for PIN encryption errors
75	Allowable number of PIN-entry tries exceeded
76	Unsolicited reversal-reversal with no original transaction in history. V.I.P. unable to match reversal request to an original message
78	Blocked, first used or special condition—new cardholder not activated or card is temporarily blocked
79	Reversed (by switch)
80	No financial impact (used in reversal responses to declined originals)
81	Cryptographic error found in PIN (used for cryptographic error condition found by security module during PIN decryption)
82	Negative online CAM, dCVV, iCVV, CVV, CAVV, dCVV2, TAVV, or DTVV results or Offline PIN authentication interrupted
85	No reason to decline a request for address verification, CVV2 verifi- cation, or credit voucher or merchandise return
86	Cannot verify PIN; for instance, no PVV
91	Issuer unavailable or switch inoperative (STIP not applicable or available for this transaction). Time-out when no STIP. Credit voucher and merchandise return authorizations: V.I.P. sent transaction to issuer, but issuer unavailable. Acquirers receiving code must send transactions again. Advices not created. Issuers can respond with this code, which V.I.P. passes to the acquirer without invoking STIP. Issuers use code to indicate they cannot perform authorization on issuer’s behalf.Causes decline at POS.
92	Financial institution or intermediate network facility cannot be found for routing (receiving institution ID invalid)
93	Transaction cannot be completed- violation of law.
94	Duplicate transmission. Transaction submitted containing values in tracing data fields that duplicate values in a previously submitted transaction.
96	System malfunction
1A	Additional customer authentication required
6P	Verification data failed
B1	Surcharge amount not permitted on Visa cards or EBT food stamps (U.S. acquirers only)
N0	Force STIP. Issuers can respond with this, which routes transactions to STIP. Issuers use code when they cannot perform authorization but want STIP to perform it.
N3	Cash service not available
N4	Cash request exceeds issuer or approved limit
N7	Decline for CVV2 failure
N8	Transaction amount exceeds pre- authorized approval amount
P5	Denied PIN unblock-PIN change or unblock request declined by issuer
P6	Denied PIN change-requested PIN unsafe
Q1	Card authentication failed or Offline PIN authentication interrupted
R0	Stop payment order
R1	Revocation of authorization order
R2	Transaction does not qualify for Visa PIN
R3	Revocation of all authorizations order
Z3	Unable to go online; offline-declined

ISO Error Code	Description
00	Approved or completed successfully
01	Refer to card issuer
02	Refer to special conditions for card issuer
03	Invalid merchant
04	Pick-up card
05	Do not honor
06	Error
07	Pick-up card, special condition
09	Request in progress (duplicate)
10	Approved partial
11	Approved (VIP) *
12	Invalid transaction
13	Invalid amount
14	Invalid card number (no such number)
15	No such issuer
30	Format error
31	Bank not supported by switch
33	Expired card
34	Suspected fraud
35	Card acceptor contact acquirer
36	Restricted card
37	Card acceptor call acquirer security
38	Allowable PIN tries exceded
39	No credit account
41	Lost card
43	Stolen card, pick-up
51	Not sufficient funds
54	Expired card
55	Incorrect personal identification number *
56	No card record
57	Transaction not permitted to cardholder
58	Transaction not permitted to terminal
61	Exceeds withdrawal amount limit
62	Restricted card
65	Exceeds withdrawal frequency limit
75	Allowable number of PIN tries exceeded *
76	Reserved for private use or Approved country club *
77	Reserved for private use or Approved pending identification (sign paper draft)*
78	Reserved for private use or Approved blind *
79	Reserved for private use or Approved administrative transaction *
80	Reserved for private use or Approved national negative file hit OK *
81	Reserved for private use or Approved commercial *
82	Reserved for private use or No security module
83	Reserved for private use or No accounts
84	Reserved for private use or No PBF *
85	Reserved for private use or PBF update error *
86	Reserved for private use or Invalid authorization type
87	Reserved for private use or Bad Track Data
88	Reserved for private use or PTLF error *
89	Reserved for private use or Invalid route service
91	Cutoff is in process, a switch is ending business for a day and starting the 90 next (transaction can be sent again in a few minutes) Issuer or switch is inoperative
92	Financial institution or intermediate network facility cannot be found for routing
94	Duplicate transmission
96	System malfunction
N0	Reserved for private use or Unable to authorize
N1	Reserved for private use or Invalid PAN length
N2	Reserved for private use or Preauthorization full
N3	Reserved for private use or Maximum online refund reached
N4	Reserved for private use or Maximum offline refund reached
N5	Reserved for private use or Maximum credit per refund
N6	Reserved for private use or Maximum refund credit reached
N7	Reserved for private use or Customer selected negative file reason
N8	Reserved for private use or Over floor limit
N9	Reserved for private use or Maximum number refund credits
O0	Reserved for private use or Referral file full
O1	Reserved for private use or NEG file problem *
O2	Reserved for private use or Advance less than minimum
O3	Reserved for private use or Delinquent
O4	Reserved for private use or Over limit table
OS	Reserved for private use or PIN required *
O6	Reserved for private use or Mod 10 check
O7	Reserved for private use or Force post
O8	Reserved for private use or Bad PBF *
O9	Reserved for private use or NEG file problem *
P0	Reserved for private use or CAF problem *
P1	Reserved for private use or Over daily limit *
P2	Reserved for private use or CAPF not found *
P3	Reserved for private use or Advance less than minimum
P4	Reserved for private use or Number of times used
PS	Reserved for private use or Delinquent
P6	Reserved for private use or Over limit table
P7	Reserved for private use or Advance less than minimum
P8	Reserved for private use or Administrative card needed
P9	Reserved for private use or Enter lesser amount
Q0	Reserved for private use or Invalid transaction date
Q1	Reserved for private use or Invalid expiration date
Q2	Reserved for private use or Invalid transaction code
Q3	Reserved for private use or Advance less than minimum
Q4	Reserved for private use or Number of times used
Q5	Reserved for private use or Delinquent
Q6	Reserved for private use or Over limit table
Q7	Reserved for private use or Amount over maximum
Q8	Reserved for private use or Administrative card not found
Q9	Reserved for private use or Administrative card not allowed
R0	Reserved for private use or Approved administrative request performed in window *
R1	Reserved for private use or Approved administrative request performed out of window *
R2	Reserved for private use or Approved administrative request performed anytime *
R3	Reserved for private use or Chargeback, customer file updated
R4	Reserved for private use or Chargeback, customer file updated, acquirer not found
R5	Reserved for private use or Chargeback, incorrect prefix number
R6	Reserved for private use or Chargeback, incorrect response code or CPF configuration
R7	Reserved for private use or Administrative transactions not supported
R8	Reserved for private use or Card on national negative file *
S4	PTLF full *
S5	Reserved for private use or Chargeback approved, customer file not updated
S6	Reserved for private use or Chargeback approved, customer file not updated, acquirer not found
S7	Reserved for private use or Chargeback accepted, incorrect destination
S8	Reserved for private use or ADMN file problem
S9	Reserved for private use or Unable to validate PIN; security module is down *
T1	Reserved for private use or Invalid credit card advance amount
T2	Reserved for private use or Invalid transaction date
T3	Reserved for private use or Card not supported
T4	Reserved for private use or Amount over maximum
T5	Reserved for private use or CAF status = 0 or 9 *
T6	Reserved for private use or Bad UAF *
T7	Reserved for private use or Cash back exceeds daily limit
T8	Reserved for private use or Invalid account
U0	ARQC failure decline *
U1	Security module parameter error *
U2	Security module failure *
U3	KEY1 record not found *
U4	ATC check failure *
U5	CVR decline *
U6	TVR decline *
U7	Reason online code decline *
U8	Fallback decline *
V0	ARQC failure referral *
V1	CVR referral *
V2	TVR referral *
V3	Reason online code referral *
V4	Fallback referral *
V7	ARQC failure capture *
V8	CVR capture *
V9	TVR capture *
40	Command rejected
R9	Destination not available
17	Customer cancellation
22	Suspected malfunction
S0	Suspect reversal
68	Response received too late
64	Original amount incorrect
S1	Suspicious reversal override
S2	Misdispense reversal
95	Reconcile error

CODE	MESSAGE	WHAT TO DO?
000	Approved or completed successfully	Indicates that the transaction was successfully approved.
01	Refer to card issuer	The cardholder must contact their card issuer to understand why the transaction was rejected
04	Capture card	The cardholder must use a different card to process the transaction and contact their card issuer for them to review the case
05	Do not honor	The cardholder must retry the transaction
06	Error	The cardholder should call the issuing bank to clarify the problem (and increase their credit if the problem is the credit limit)
09	Request in progress (duplicate)	The transaction is not allowed by the payment processor or the card issuer. The cardholder should use an alternative card
10	Approved partial	The cardholder should use an alternative card from a different issuer
12	Invalid transaction	The cardholder has requested to cancel the transaction
15	El emisor no puede autorizar esta transacción	The cardholder should use an alternative card
17	No such issuer	At the time of making the transaction a format error occured.
1A	Additional customer authentication required	he cardholder must use a different card to process the transaction and contact their card issuer for them to review the case
32	Expired card	The cardholder must use a different card to process the transaction and contact their card issuer for them to review the case
34	Suspected fraud	The cardholder must use a different card to process the transaction and contact their card issuer for them to review the case
35	Card acceptor contact acquirer	The cardholder must use a different card to process the transaction and contact their card issuer for them to review the case
37	Card acceptor call acquirer security	Use an alternative card
39	No credit account	The cardholder must use a different card to process the transaction and contact their card issuer for them to review the case
41	Lost card	The cardholder must contact their card issuer to understand why the transaction was rejected
51	Not sufficient funds	The cardholder should use an alternative card
54	Expired card	The cardholder should use an alternative card
57	Transaction not permitted to cardholder	AThe cardholder must use a different card to process the transaction and contact their card issuer for them to review the case
59	Suspected fraud	The issuer requested to change the PIN but it was not completed successfully
61	Exceeds withdrawal amount limit	The cardholder should use an alternative card
62	Restricted card	The cardholder should retry or use an alternative card
6P	Verification data failed	The cardholder should 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 specified (general)	The transaction was declined because a coincidence was found with another previous transaction
80	No financial impact	The cardholder should retry or use an alternative card from a different issuer
81	Cryptographic error found in PIN (used for cryptographic error condition found by security module during PIN decryption)	The cardholder should use an alternative card
86	Cannot verify PIN; for instance, no PVV	A message from Visa requesting additional authentication by the cardholder
89	Unacceptable PIN— Transaction Declined— Retry	Retry the transaction
91	Authorization System or issuer system inoperative	Retry the transaction or use a different card
92	Unable to route transaction
93	Transaction cannot be completed- violation of law.
U1	Security module parameter error

Codes returned by Kushki in Voids and reverse attempts

The response codes received by processors and issuers will appear in the kushki_response object as in the next example.

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

In the code and message columns of the table below, the code and message sent by Kushki are shown. In the column What to do?, we provide you with a more detailed explanation of the causes and the possible procedure to follow.

An example of a message returned by Kushki's API is shown below:

code	message	What to do?
000	Transacción Aprobada.	Indicates that the transaction was successfully approved.
01	Refer to card issuer	The cardholder must contact their card issuer to understand why the transaction was rejected
04	Capture card	The cardholder must retry the transaction
05	Do not honor	The cardholder must retry the transaction
12	Invalid transaction	The transaction is not allowed by the payment processor or the card issuer. Contact the card issuer
32	Expired card	The cardholder should use an alternative card
41	Lost card	The cardholder should contact their card issuer for them to review the case
57	Transaction not permitted to cardholder	The cardholder should contact their card issuer for them to review the case
62	Restricted card	The cardholder should contact their card issuer for them to review the case
91	Authorization System or issuer system inoperative	The cardholder should retry the transation
92	Unable to route transaction	The cardholder should 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

error-catalog

Kushki Error Catalog for POS transactions#

HTTP Status Codes#

Codes returned by Kushki in POS charges#

Error 006#

Codes returned by Kushki in Voids and reverse attempts#

Kushki Error Catalog for POS transactions

HTTP Status Codes

Codes returned by Kushki in POS charges

Error 006

Codes returned by Kushki in Voids and reverse attempts