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Transaction Response Codes

Below is a table of transaction response codes, the associated response message and a brief description of the error if applicable.

PayOut and PayTo Specific Codes

CodeMessageDescription
D10000failedNetwork failed to process the payment.
D10001target_account_invalidTarget account is invalid.
D10002target_account_blockedTarget account is blocked due to fraud, sanctions etc or cannot accept credits due to account type.
D10003from_account_closedFrom account is closed, Payment return cannot be made.
D10004amount_invalidUnable to process the payment for the amount specified.
D10005returnedThe target institution initially settled the funds, but has since returned them.
D10006from_account_invalidDeclined due to the source account being invalid.
D10007target_account_closedDeclined payment due to target account being closed.
D10008onboarding_not_completeOnboarding not complete.
D10009downstream_errorDownstream error.
D10010configuration_mismatchConfiguration mismatch.
D10011target_account_unreachable_for_paytoTarget account unreachable for PayTo service.
D10012target_account_unreachable_for_nppTarget account unreachable for NPP service.
D10013payid_invalidPayId is invalid.
D10014target_account_unreachable_for_creditsAccount exists but does not support credits.
D10015amount_below_minimumSpecified transaction amount is less than agreed minimum.
D10016amount_above_maximumTransactions amount exceeds limits set by clearing system.
D10017currency_invalidWhere the currency cannot be applied to the specified account. The Interbank settlement Currency is not the AUD.
D10018receiving_bank_unavailableReceiving bank is experiences problems. Client should retry for up to 8 hours before failing the payment and crediting the customers account.
D10019amount_invalid_for_payment_agreementProvided amount was not defined in the payment agreement.
D10020payment_agreement_max_transactions_exeededMaximum transactions reached for the provided payment agreement.
D10021payment_agreement_max_amount_exeededThe provided amount has reached the maximum amount for the provided payment agreement.
D10022payid_invalidThe PayId is not valid.
D10023porting_unavailablePorting unavailable.
D10024insufficient_fundsInsufficient funds.
D10025transaction_cancelledThe Terminal transaction was cancelled.
D10026transaction_not_attemptedThe transaction was not attempted.
D10027date_maximumtransaction_reacheddate_maximumtransaction_reached
D10028payment_instrument_invalidpayment_instrument_invalid
D10029transaction_dishonoured_after_settlementtransaction_dishonoured_after_settlement
D10100internal_timeoutThe service run out of time to process the request within the contractual time limit.
D103003ds_enroll_status_invalidThe transaction is not in pending status or 3D Secure enrollment is failed.
D103013ds_verify_errorThe transaction is not passed 3DS authentication.

Credit Card Specific Codes

CodeMessage
A02000transaction_approved
A02008honour_with_identification
A02010approved_for_partial_amount
A02011approved_vip
A02016approved_update_track_3
D04401refer_to_issuer
D04402refer_to_issuer_special
D04403no_merchant
D04404pick_up_card
D04405do_not_honour
D04406error
D04407pick_up_card_special
D04409request_in_progress
D04412invalid_transaction
D04413invalid_amount
D04414invalid_card_number
D04415no_issuer
D044173d_secure_error
D04419re-enter_last_transaction
D04419re-enter_last_transaction
D04420invalid_response
D04421no_action_taken
D04422suspected_malfunction
D04423unacceptable_transaction_fee
D04424file_update_not_supported by receiver
D04425unable_to_locate_record_on_file
D04426duplicate_file_update_record_old_record_replaced
D04427file_update_field_edit_error
D04428file_update_file_locked_out
D04429file_update_not_successful_contact_acquirer
D04430format_error
D04431bank_not_supported_by_switch
D04432completed_partially
D04433expired_card_capture
D04434suspected_fraud_retain_card
D04435card_acceptor_contact_acquirer_retain_card
D04436restricted_card_retain_card
D04437contact_acquirer_security_department_retain_card
D04439no_credit_account
D04440requested_function_not_supported
D04441lost_card
D04442no_universal_account
D04443stolen_card
D04444no_investment_account
D04451insufficient_funds
D04452no_checking_account
D04453no_savings_account
D04454expired_card
D04455incorrect_personal_identification_number
D04456no_card_record
D04457function_not_permitted_to_cardholder
D04458transaction_not_permitted_to_terminal
D04459suspected_fraud
D04460acceptor_contact_acquirer
D04461exceeds_withdrawal_amount_limit
D04462restricted_card
D04463security_violation
D04464original_amount_incorrect
D04465exceeds_withdrawal_frequency_limit
D04466acceptor_contact_acquirer_security
D04467capture_card
D04468response_received_too_late
D04475allowable_number_of_pin_tries_exceeded
D04482cvv_validation_error
D04490cut_off_in_progress
D04491card_issuer_unavailable
D04492unable_to_route_transaction
D04493cannot_complete_violation_of_the_law
D04494duplicate_transaction
D04495reconcile_error
D04496system_error
D06154insufficent_funds_available_for_refund
D06172apple_pay_token_data_required
D06173apple_pay_token_signature_required
D06174apple_pay_token_version_number_is_not_supported
D06175apple_pay_token_header_required
D06176apple_pay_token_ephemeral_publickey_required
D06177apple_pay_token_publickeyhash_required
D06178apple_pay_transaction_id_required
D06179apple_pay_is_not_available_in_your_country
D06186apple_pay_not_supported_by_gateway
D06187apple_pay_should_not_coexist_at_the_same_time
D07025apple_pay_unsupported_card_type
D07100google_pay_is_not_supported_by_gateway
D07101google_pay_should_not_coexist_at_the_same_time
D07102google_pay_intermediate_signing_key_required
D07103google_pay_signature_required
D07104google_pay_version_number_is_not_supported
D07105google_pay_signed_message_required
D07106google_pay_intermediate_signingkey_signedkey_required
D07107google_pay_intermediate_signingkey_signatures_required
D07109google_pay_is_not_available_in_your_country
D07110google_pay_token_does_not_match_merchant
D07111google_pay_token_has_expired
D07112google_pay_token_has_an_invalid_signingkey
D07113google_pay_is_not_enable
D07210apple_pay_token_is_an_invalid_json_string
D07211google_pay_token_is_an_invalid_json_string