| 00 | Approved |
| 01 | Refer To Issuer |
| 02 | Refer To Issuer; Special Condition |
| 03 | Invalid Merchant ID |
| 04 | Pick Up Card |
| 05 | Do not Honour |
| 06 | Error |
| 07 | Pick Up Card |
| 11 | Transaction Voided |
| 12 | Invalid Transaction |
| 13 | Invalid Amount |
| 14 | Invalid Card Number (PAN) |
| 19 | Re-enter Transaction |
| 21 | No Action Taken (Unable to cack out prior transaction) |
| 22 | Transaction in pending stage (in progress) |
| 23 | Invalid/Unaccaptable Transaction Fee |
| 25 | Terminated/ Inactive card |
| 30 | Message Format Error |
| 31 | Bank ID Not Found |
| 41 | Card Reported Lost |
| 43 | Stolen Card |
| 44 | PIN Change Require |
| 45 | Card Not Activated For Use |
| 51 | Insufficient Fund |
| 52 | No Checking Count |
| 53 | No Savings Account |
| 54 | Expired Card |
| 55 | Invalid PIN |
| 56 | Invalid Card |
| 57 | Transaction not permitted to cardholder |
| 58 | Invalid Transaction |
| 59 | Suspected Fraud |
| 61 | Over Limit |
| 62 | Restricted Card |
| 63 | Security Violation |
| 68 | Transaction timeout (No reply from acquirer) |
| 75 | PIN Tries Exceeded |
| 76 | Unable to locate previous message |
| 77 | Repeat or Reversal Data are inconsistent |
| 78 | Card is not activated yet |
| 80 | Credit issuer unavaliable |
| 83 | Unable to verify PIN |
| 88 | Call Issuer |
| 91 | Issuer/ Switch Error |
| 92 | Destination cannot be found for routing |
| 93 | Transaction cannot be completed; violation of law |
| 94 | Duplicate Transaction |
| 95 | Total Mismatch (reconcillation problem) |
| 96 | System Malfunction/Error |
| 99 | Unknown/unmappable response code |
| P1 | Failed 3D Authentication |
| N7 | Decline for CVV2 failure |
