01 Refer to card issuer The merchant must call the issuer before the transaction can be approved.
02 Refer to card issuer, special condition The merchant must call the issuer before the transaction can be approved.
03 Invalid merchant number The merchant ID is not valid.
04 Pick-up card. Capture for reward The card is listed on the Warning Bulletin. Merchant may receive reward money by capturing the card.
05 Do not honor. The transaction was declined by the issuer without definition or reason The transaction was declined without explanation by the card issuer.
06 Error The card issuer returned an error without further explanation.
07 Pick-up card, special condition The card is listed on the Warning Bulletin. Merchant may receive reward money by capturing the card.
08 Honor with identification Honor with identification.
09 Request in progress Request in progress.
10 Approved for partial amount Approved for partial amount.
11 Approved, VIP Approved, VIP program.
12 Invalid transaction The requested transaction is not supported or is not valid for the card number presented.
13 Invalid amount The amount exceeds the limits established by the issuer for this type of transaction.
14 Invalid card # The issuer indicates that this card is not valid.
15 No such issuer The card issuer number is not valid.
16 Approved, update track 3 Approved, update track 3.
17 Customer cancellation Customer cancellation.
18 Customer dispute Customer dispute.
19 Re enter transaction Customer should resubmit transaction.
20 Invalid response Invalid response.
21 No action taken No action taken. The issuer declined with no other explanation.
22 Suspected malfunction Suspected malfunction.
23 Unacceptable transaction fee Unacceptable transaction fee.
24 File update not supported File update not supported.
25 Unable to locate record Unable to locate record.
26 Duplicate record Duplicate record.
27 File update edit error File update edit error.
28 File update file locked File update file locked.
29 not used
30 Format error, call ECHO The host reported that the transaction was not formatted properly.
31 Bank not supported Bank not supported by switch.
32 Completed partially Completed partially.
33 Expired card, pick-up The card is expired. Merchant may receive reward money by capturing the card.
34 Issuer suspects fraud, pick-up card The card issuer suspects fraud. Merchant may receive reward money by capturing the card.
35 Contact acquirer, pick-up Contact card issuer. Merchant may receive reward money by capturing the card.
36 Restricted card, pick-up The card is restricted by the issuer. Merchant may receive reward money by capturing the card.
37 Call ECHO security, pick-up Contact ECHO security. Merchant may receive reward money by capturing the card.
38 PIN tries exceeded, pick-up PIN attempts exceed issuer limits. Merchant may receive reward money by capturing the card.
39 No credit account No credit account.
40 Function not supported Requested function not supported.
41 Lost Card, capture for reward The card has been reported lost.
42 No universal account No universal account.
43 Stolen Card, capture for reward The card has been reported stolen.
44 No investment account No investment account.
45 - 50 not used
51 Not sufficient funds The credit limit for this account has been exceeded.
52 - 53 not used
54 Expired card The card is expired.
55 Incorrect PIN The cardholder PIN is incorrect.
56 No card record No card record.
57 Transaction not permitted to cardholder The card is not allowed the type of transaction requested.
58 Transaction not permitted on terminal The Merchant is not allowed this type of transaction.
59 Suspected fraud Suspected fraud.
60 Contact ECHO Contact ECHO.
61 Exceeds withdrawal limit The amount exceeds the allowed daily maximum.
62 Restricted card The card has been restricted.
63 Security violation. The card has been restricted.
64 Original amount incorrect Original amount incorrect.
65 Exceeds withdrawal frequency The allowable number of daily transactions has been exceeded.
66 Call acquirer security, call ECHO Call acquirer security, call ECHO.
67 not used
68 Response received too late Response received too late.
69 - 74 not used
75 PIN tries exceeded The allowed number of PIN retries has been exceeded.
76 Invalid "to" account The debit account does not exist.
77 Invalid "from" account The credit account does not exist.
78 Invalid account specified (general) The associated card number account is invalid or does not exist.
79 Already reversed Already reversed.
80 - 83 not used
84 Invalid authorization life cycle The authorization life cycle is invalid.
85 not used
86 Cannot verify PIN Cannot verify PIN.
87 Network Unavailable Network Unavailable.
88 not used
89 Ineligible to receive financial position information Ineligible to receive financial position information.
90 Cut-off in progress Cut-off in progress.
91 Issuer or switch inoperative The bank is not available to authorize this transaction.
92 Routing error The transaction cannot be routed to the authorizing agency.
93 Violation of law Violation of law.
94 Duplicate transaction Duplicate transaction.
95 Reconcile error Reconcile error.
96 System malfunction A system error has occurred.
97 not used
98 Exceeds cash limit Exceeds cash limit.
1000 Unrecoverable error. An unrecoverable error has occurred in the ECHONLINE processing.
1001 Account closed The merchant account has been closed.
1002 System closed Services for this system are not available.
(Not used by ECHONLINE)
1003 E-Mail Down The e-mail function is not available.
(Not used by ECHONLINE)
1004-1011 not used
1012 Invalid trans code The host computer received an invalid transaction code.
1013 Invalid term id The ECHO-ID is invalid.
1014 not used
1015 Invalid card number The credit card number that was sent to the host computer was invalid
1016 Invalid expiry date The card has expired or the expiration date was invalid.
1017 Invalid amount The dollar amount was less than 1.00 or greater than the maximum allowed for this card.
1018 not used
1019 Invalid state The state code was invalid.
(Not used by ECHONLINE)
1020 not used
1021 Invalid service The merchant or card holder is not allowed to perform that kind of transaction
1022-1023 not used
1024 Invalid auth code The authorization number presented with this transaction is incorrect. (deposit transactions only)
1025 Invalid reference number The reference number presented with this transaction is incorrect or is not numeric.
1026-1028 not used
1029 Invalid contract number The contract number presented with this transaction is incorrect or is not numeric.
(Not used by ECHONLINE)
1030 Invalid inventory data The inventory data presented with this transaction is not ASCII "printable".
(Not used by ECHONLINE)
1031-1500 not used
1501-1507 not used
1508 Invalid or missing order_type.
1509 The merchant is not approved to submit this order_type.
1510 The merchant is not approved to submit this transaction_type.
1511 Duplicate transaction attempt (see counter in Part I of this Specification).
1512-1598 not used
1599 An system error occurred while validating the transaction input.
1600-1800 not used
1801 Return Code "A" Address matches; ZIP does not match.
1802 Return Code "W" 9-digit ZIP matches; Address does not match.
1803 Return Code "Z" 5-digit ZIP matches; Address does not match.
1804 Return Codes "U" Issuer unavailable; cannot verify.
1805 Return Code "R" Retry; system is currently unable to process.
1806 Return Code "S" or "G" Issuer does not support AVS.
1807 Return Code "N" Nothing matches.
1808 Return Code "E" Invalid AVS only response.
1809 Return Code "B" Street address match. Postal code not verified because of incompatible formats.
1810 Return Code "C" Street address and Postal code not verified because of incompatible formats.
1811 Return Code "D" Street address match and Postal code match.
1812 Return Code "I" Address information not verified for international transaction.
1813 Return Code "M" Street address match and Postal code match.
1814 Return Code "P" Postal code match. Street address not verified because of incompatible formats.
1815-1896 not used
1897 invalid response The host returned an invalid response.
1898 disconnect The host unexpectedly disconnected.
1899 timeout Timeout waiting for host response.
1900-2070 not used
2071 Call VISA An authorization number from the VISA Voice Center is required to approve this transaction.
2072 Call Master Card An authorization number from the Master Card Voice Center is required to approve this transaction.
2073 Call Carte Blanche An authorization number from the Carte Blanche Voice Center is required to approve this transaction.
2074 Call Diners Club An authorization number from the Diners' Club Voice Center is required to approve this transaction.
2075 Call AMEX An authorization number from the American Express Voice Center is required to approve this transaction.
2076 Call Discover An authorization number from the Discover Voice Center is required to approve this transaction.
2077 not used
2078 Call ECHO The merchant must call ECHO Customer Support for approval.or because there is a problem with the merchant's account.
2079 Call XpresscheX The merchant must call ECHO Customer Support for approval.or because there is a problem with the merchant's account.
3001 No ACK on Resp The host did not receive an ACK from the terminal after sending the transaction response.
3002 POS NAK'd 3 Times The host disconnected after the terminal replied 3 times to the host response with a NAK.
3003 Drop on Wait The line dropped before the host could send a response to the terminal.
3005 Drop on Resp The line dropped while the host was sending the response to the terminal.
3007 Drop Before EOT The host received an ACK from the terminal but the line dropped before the host could send the EOT.
3011 No Resp to ENQ The line was up and carrier detected, but the terminal did not respond to the ENQ.
3012 Drop on Input The line disconnected while the host was receiving data from the terminal.
3013 FEP NAK'd 3 Times The host disconnected after receiving 3 transmissions with incorrect LRC from the terminal.
3014 No Resp to ENQ The line disconnected during input data wait in Multi-Trans Mode.
3015 Drop on Input The host encountered a full queue and discarded the input data.
9000-9999 Host Error The host encountered an internal error and was not able to process the transaction.