Response Message

TSYS Code

Paya Response Reason Code

Approved and Complete

“00”

1000

Refer to Issuer

“01”

1510

Refer to Issuer – Special Condition

“02”

1510

Invalid Merchant ID

“03”

1628

Pick-up Card (No Fraud)

“04”

1520

Do Not Honor

“05”

1500

General Error

“06”

1500

Pick-up Card, Special Condition (Fraud Account)

“07”

1520

Invalid Transaction

“12”

1626

Invalid Amount

“13”

1599

Invalid Card Number

“14”

1608

No Such Issuer

“15”

1599

Re-enter Transaction

“19”

1530

Unable to Back-out Transaction

“21”

1599

File is Temporarily Unavailable

“28”

1603

No Credit Account

“39”

1608

Lost Card, Pick-up (Fraud Account)

“41”

1520

Stolen Card, Pick-up (Fraud Account)

“43”

1520

Insufficient Funds

“51”

1500

No Checking Account

“52”

1599

No Savings Account

“53”

1599

Expired Card

“54”

1622

Incorrect PIN

“55”

1610

Transaction not PermittedCard

“57”

1618

Transaction not PermittedTerminal

“58”

1518

Exceeds Withdrawal Limit

“61”

1500

Invalid Service Code Restricted

“62”

1500

Activity Limit Exceeded

“65”

1500

PIN Tries Exceeded

“75”

1624

Unable to Location

“76”

1626

Inconsistent Data, Rev ., or Repeat

“77”

1626

No Account

“78”

1608

Already Reversed at Switch

“79”

1609

Invalid Date

“80”

1626

Cryptographic Error

“81”

1621

Cash Back Limit Exceeded

“82”

1800

Cannot Verify PIN

“83”

1621

No Reason to Decline

“85”

1000

Cannot Verify PIN

“86”

1621

Issuer or Switch is Unavailable

“91”

1603

Destination Not Found

“92”

1628

Violation, Cannot Complete

“93”

1500

Unable to Location, No Match

“94”

1801

System Malfunction

“96”

1627

Card Type Verification Error

CV

1625

Verification Error

EA

1608

Verification Error

EB

1608

Verification Error

EC

1608

Hierarchy Verification Error

HV

1599

Cash Back Service Not Available

N3

1626

Exceeds Issuer Withdrawal Limit

N4

1500

CVV2 Value Supplied is Invalid

N7

1800

Customer Requested Stop of Specific Recurring Payment

R0

1803

Customer Requested Stop of All Recurring Payments from Specific Merchant

R1

1803

First Check OK and has been Converted

T0

1000

Check is OK but cannot be converted; this is a declined transaction

T1

1599

Invalid ABA Number, not an ACH participant

T2

1599

Amount Greater than Limit

T3

1619

Unpaid Items, Failed Negative File Check

T4

1620

Duplicate Check Number

T5

1801

MICR Error

T6

1608