Credit Card Verification

Returned within the following response objects:

Credit Card

Returned within an error result object from the following requests:

Returned directly or within a successful result object from the following requests:

Attributes

additionalProcessorResponseString

Optional additional processor response information, provided as further context for the primary processor response.

amountString

The amount used when verifying the card.

avsErrorResponseCode

This field is populated if there was an error when checking AVS or the processing bank does not support AVS. Possible values:

S = Issuing bank does not support AVS
E = AVS system error

If this value is null, you will see responses in both avsPostalCodeResponseCode and avsStreetAddressResponseCode.

avsPostalCodeResponseCode

This is populated if the processor supports the address verification system (AVS). Possible values:

M = Matches
N = Does not match
U = Not verified
I = Not provided
A = Not applicable
B = Bypass

avsStreetAddressResponseCode

This is populated if the processor supports the address verification system (AVS). Possible values:

M = Matches
N = Does not match
U = Not verified
I = Not provided
A = Not applicable
B = Bypass

billingmap

Billing address information associated with the credit card verification.

companyString

Company name.

countryCodeAlpha2String

The 2-letter shipping country code.

countryCodeAlpha3String

The 3-letter shipping country code.

countryCodeNumericString

The numeric shipping country code.

countryNameString

The country name.

extendedAddressString

The extended address information—such as apartment or suite number.

firstNameString

The first name.

internationalPhonemap

The phone number that belongs to the address that is structured with country code and national number.

countryCodeString

Country code of phone number. 1-3 digits. Required.

nationalNumberString

National number of phone number. 4-12 digits. Required.

lastNameString

The last name.

localityString

The locality/city.

phoneNumberString

Deprecated.

We recommend using international_phone. This functionality still exists in the gateway but is no longer documented. This parameter will be removed in the future.

postalCodeString

The postal code.

regionString

The state or province.

streetAddressString

The billing street address.

createdAtString

The date/time the object was created. Returned in UTC.

creditCardobj

Credit card information associated with the verification.

bin

The first 6 digits of the credit card, known as the bank identification number (BIN).

cardType

cardholderNameString

The cardholder name associated with the credit card.

commercialenum

Credit card information associated with the verification.

countryOfIssuanceString

The country that issued the credit card. Possible country values follow ISO 3166-1.

The value Unknown will be returned if we cannot immediately determine the card's country of issuance from the bank identification number (BIN).

customerLocationenum

Credit card information associated with the verification.

debitenum

Credit card information associated with the verification.

durbinRegulatedenum

Credit card information associated with the verification.

expirationMonthString

The expiration month of the credit card used, formatted MM.

expirationYearString

The expiration year of the credit card used, formatted YYYY.

healthcareenum

Credit card information associated with the verification.

issuingBankString

The bank that issued the credit card.

last4

The last 4 digits of the credit card number.

payrollenum

Credit card information associated with the verification.

prepaidenum

Credit card information associated with the verification.

productIdString

The code for the product type of the card (e.g. D (Visa Signature Preferred), G (Visa Business)). See Product ID codes below for possible values.

tokenString

The Vault token for the credit card.

uniqueNumberIdentifier

A randomly-generated string that uniquely identifies a credit card number in the Vault. If the same credit card is added to a merchant's Vault multiple times, each Vault entry will have the same unique identifier. This value is randomly generated by merchant gateway account, so it will be different for each merchant's Vault.

currencyIsoCode

The currency of the verification amount (e.g. "USD" for US dollars). See the ISO 4217 codes.

cvvResponseCode

The processing bank's response to the card verification value (CVV) provided by the customer. Possible values:

M = Matches
N = Does not match
U = Not verified
I = Not provided
S = Issuer does not participate
A = Not applicable
B = Bypass

gatewayRejectionReason

This value will only be set if the transaction status is gateway_rejected. Possible values:

"application_incomplete"
"avs"
"avs_and_cvv"
"cvv"
"duplicate"
"fraud"
"three_d_secure"

graphQLIdString

The unique identifier used to identify this credit card verification in Braintree's GraphQL API.

idString

The string value representing a specific credit card verification in the Vault. Length and format of gateway-generated tokens and IDs may change at any time.

merchantAccountIdString

The merchant account ID used for the credit card verification. Currency is also determined by merchant account ID.

networkResponseCodeString

The network response code. When present, this field can provide additional detail about why a verification was declined, but the processorResponseCode should be considered the source of truth. See the list of possible network responses.

networkResponseTextString

The network response text for the networkResponseCode.

processorResponseCodeString

The processor response code. See the list of possible processor authorization responses.

processorResponseTextString

The processor response text. See the list of possible processor authorization responses.

processorResponseTypeString

The processor response type. Possible values:

"approved"
"soft_declined"
"hard_declined"

See the list of possible processor authorization responses, and definitions of soft and hard declines.

riskDatamap

Any applicable risk data associated with the verification. The data includes the risk identifier, the device data captured flag, and the risk decision, which can provide further context on how a transaction was scored by Braintree.

decisionString

The risk decision. Possible values:

Not Evaluated
Approve
Review
Decline

decisionReasonsmap

An array of strings containing the rules triggered by the fraud provider when generating the decision.

deviceDataCapturedbool

Flag indicating whether device session data was successfully captured and processed by the fraud service.

fraudServiceProviderString

The fraud service used to determine if a transaction is likely to be fraudulent.

idString

The risk data identifier.

transactionRiskScoreString

The score returned by the fraud provider as a measurement of the transaction's likelihood for being fraudulent.

statusString

Possible values:

processor_declined
gateway_rejected
failed
verified

threeDSecureInfoobj

The 3D Secure information for this transaction.

cavvString

Cardholder Authentication Verification Value or "CAVV". The main encrypted message issuers and card networks use to verify authentication has occured. Mastercard refers to this field as AAV, while American Express refers to this field as AEVV.

dsTransactionIdString

Transaction identifier resulting from 3D Secure 2 authentication.

eciFlagString

The value of the electronic commerce indicator (ECI) flag, which indicates the outcome of the 3DS authentication.

Possible values for Mastercard:

00 = Failed or not attempted
01 = Attempted
02 = Success
04 = Data-Only (Applies to limited processors)

Possible values for all other card brands:

07 = Failed or not attempted
06 = Attempted
05 = Success

enrolledString

Indicates whether a card is enrolled in a 3D Secure program or not. Possible values:

Y = Yes
N = No
U = Unavailable
B = Bypass
E = RequestFailure

liabilityShiftPossiblebool

Indicates whether a liability shift is possible.

liabilityShiftedbool

Indicates whether the liability shifted or not.

statusString

The 3D Secure status value. For a list of all possible statuses and their liability shifts, see the 3D Secure guide.

threeDSecureVersionString

The version of 3D Secure authentication used for the transaction. Composed of digits separated by periods (e.g. 1.0.2, 2.1.0).

xidString

Transaction identifier resulting from 3D Secure authentication. This field will no longer be used in 3D Secure 2 authentications.

Product ID codes

The Braintree gateway returns the following product IDs for credit and debit card payment methods. The product ID is generally 1-3 characters and indicates the specific credit product that was issued to the customer.

Product ID code	Product name
001	Discover Consumer Credit – Rewards
002	Discover Commercial Credit
003	Discover Consumer Debit
004	Discover Commercial Debit
005	Discover Prepaid Gift
006	Discover Prepaid ID known
007	Discover Consumer Credit – Premium
008	Discover Consumer Credit - Core
009	Discover Private Label Credit
010	Discover Commercial Credit – Executive Business
011	Discover Consumer Credit – Premium Plus
012	Discover Commercial Prepaid – Non-Reloadable
013	Discover PayPal
014	Discover PayPal Mobile
A	Visa Traditional
B	Visa Traditional Rewards
BPD	MasterCard Business Premium Debit
C	Visa Signature
CIR	MasterCard Cirrus
D	Visa Signature Preferred
DAG	Global Debit MasterCard Salary
DAP	Platinum Debit MasterCard Salary
DAS	Standard Debit MasterCard Salary
DLG	Debit MasterCard Gold Delayed Debit
DLH	Debit MasterCard World Embossed Delayed Debit
DLP	Debit MasterCard Platinum Delayed Debit
DLS	Debit MasterCard Card Delayed Debit
DOS	Standard Debit MasterCard Social
DWF	Debit MasterCard Humanitarian Prepaid
E	Visa Proprietary ATM
F	Visa Classic
G	Visa Business
G1	Visa Signature Business
G3	Visa Business Enhanced (US only)
G4	Visa Infinite Business
G5	Visa Business Rewards
I	Visa Infinite
I	Visa Infinite Privilege
I2	Visa UHNW
IB	American Express Non-US
IR	American Express Non-US Reloadable
IS	American Express Non-US Stored Value
J3	Visa Healthcare
K	Visa Corporate T&E
K1	Visa GSA Corporate T&E
L	Visa Electron
MAB	World Elite MasterCard for Business Card
MAC	MasterCard World Elite Corporate Card
MAP	MasterCard Commercial Payments Account
MAQ	MasterCard Prepaid Commercial Payments Account
MBB	MasterCard Prepaid Consumer
MBC	MasterCard Prepaid Voucher
MBD	MasterCard Professional Debit BusinessCard Card
MBE	MasterCard Electronic Business Card
MBF	Prepaid MC Food
MBK	MasterCard Black Card
MBM	Prepaid MC Meal
MBP	MasterCard Corporate Prepaid
MBS	MasterCard B2B Product
MBT	MasterCard Corporate Prepaid Travel
MBW	World MasterCard Black Edition Debit
MCB	MasterCard BusinessCard Card
MCC	MasterCard Credit Card (mixed BIN)
MCD	Debit MasterCard Card
MCE	MasterCard Electronic Card
MCF	MasterCard Fleet Card
MCG	Gold MasterCard Card
MCH	MasterCard Premium Charge
MCO	MasterCard Corporate (Meeting) Card
MCP	MasterCard Purchasing Card
MCS	(Unembossed) Standard MasterCard Card
MCT	Titanium MasterCard Card
MCV	Merchant-Branded Program
MCW	World MasterCard Card
MDB	Debit MasterCard BusinessCard Card
MDG	Gold Debit MasterCard Card
MDH	World Debit Embossed MasterCard Card
MDJ	Debit MasterCard (Enhanced)
MDL	MasterCard Business Debit Other Embossed
MDO	MasterCard Debit Other
MDP	Premium Debit MasterCard Card
MDR	MasterCard Debit Brokerage
MDS	Debit MasterCard Card
MDT	Commercial Debit MasterCard Card
MDW	World Elite Debit MasterCard
MEB	MasterCard Executive BusinessCard Card
MEC	MasterCard Electronic Commercial
MEF	MasterCard Electronic Payment Account
MEO	MasterCard Corporate Executive Card
MET	Titanium Debit MasterCard Card
MFB	MasterCard Flex World Elite
MFD	MasterCard Flex Platinum
MFE	MasterCard Flex Charge World Elite
MFH	MasterCard Flex World
MFL	MasterCard Flex Charge Platinum
MFW	MasterCard Flex World Charge
MGF	MasterCard Government Commercial Card
MHA	MasterCard Healthcare Prepaid Non-Tax
MHB	MasterCard HSA Substantiated (Debit MasterCard)
MHD	MasterCard HELOC Debit Standard
MHH	MasterCard HSA Non-Substantiated (Debit MasterCard)
MHK	MasterCard Magna Health Access Card
MHD	MasterCard HELOC Debit Gold
MHD	MasterCard HELOC Debit Platninum
MHD	MasterCard HELOC Debit Premium
MIA	Prepaid MasterCard Unembossed Student Card
MIK	Prepaid MasterCard Electronic Student (Non-US) Card
MIL	Unembossed MasterCard Student Card (Non-US)
MIP	Prepaid Debit MasterCard Student Card
MIU	Debit MasterCard Unembossed (Non-US)
MLA	MasterCard Central Travel Solutions Air Card
MLB	MasterCard Brazil Benefit for Home Improvement
MLD	MasterCard Distribution Card
MLE	MasterCard Brazil General Benefits
MLF	MasterCard Agro Card
MLL	MasterCard Central Travel Solutions Land Card
MNF	MasterCard Public Sector Commercial Card
MNW	MasterCard World Card
MOC	Standard Maestro Social
MOG	Maestro Gold Card
MOP	Maestro Platinum
MOW	World Maestro
MPA	MasterCard Prepaid Debit Standard Payroll
MPB	MasterCard Preferred Business Card
MPD	MasterCard Flex Prepaid
MPF	MasterCard Prepaid Debit Standard Gift
MPG	Debit MasterCard Standard Prepaid General Spend
MPH	MasterCard Cash
MPJ	Prepaid Debit MasterCard Card Gold
MPK	MasterCard Prepaid Government Commercial Card
MPL	Platinum MasterCard Card
MPM	MasterCard Prepaid Debit Standard Consumer Incentive
MPN	MasterCard Prepaid Debit Standard Insurance
MPO	MasterCard Prepaid Debit Standard Offer
MPP	MasterCard Prepaid Card – Commercial Reward Funding
MPQ	MasterCard Prepaid Debit Standard Government Disaster
MPR	MasterCard Prepaid Debit Standard Travel
MPT	MasterCard Prepaid Debit Standard Teen
MPV	MasterCard Prepaid Debit Standard Government
MPW	Debit MasterCard Business Card Prepaid Workplace Business
MPX	MasterCard Prepaid Debit Standard Flex Benefit
MPY	MasterCard Prepaid Debit Standard Employee Incentive
MPZ	MasterCard Prepaid Debit Standard Government Consumer
MRB	MasterCard Prepaid Electronic Business Card (Non-US)
MRC	Prepaid MasterCard Electronic Card (Non-US)
MRF	MasterCard European Regulated Individual Pay
MRG	MasterCard Prepaid Card (Non-US)
MRH	MasterCard Platinum Prepaid Travel (US)
MRJ	Prepaid MasterCard Gold Card
MRK	Prepaid MasterCard Public Sector Commercial Card
MRL	Prepaid MasterCard Electronic Commercial Card (Non-US)
MRO	MasterCard Rewards Only
MRP	Standard Retailer Centric Payments
MRS	Prepaid MasterCard ISIC Student Card
MRW	Prepaid MasterCard Business Card (Non-US)
MSA	Prepaid Maestro Payroll Card
MSB	Maestro Small Business Card
MSF	Prepaid Maestro Gift Card
MSG	Prepaid Maestro Consumer Reloadable Card
MSI	Maestro Student Card
MSJ	Prepaid Maestro Gold
MSM	Prepaid Maestro Consumer Promotion Card
MSN	Prepaid Maestro Insurance Card
MSO	Prepaid Maestro Other Card
MSQ	Unknown MasterCard
MSR	Prepaid Maestro Travel Card
MST	Prepaid Maestro Teen Card
MSV	Prepaid Maestro Government Benefit Card
MSW	Prepaid Maestro Corporate (Reloadable) Card
MSX	Prepaid Maestro Flex Benefit Card
MSY	Prepaid Maestro Employee Incentive Card
MSZ	Prepaid Maestro Emergency Assistance Card
MTP	MasterCard Platinum Prepaid Travel (UK and Brazil)
MUS	Prepaid Unembossed MasterCard Card
MUW	MasterCard World Domestic Affluent
MWB	World Elite MasterCard Business Card
MWD	World Deferred MasterCard
MWE	World Elite MasterCard Card
MWF	MasterCard Humanitarian Prepaid
MWO	World Elite MasterCard Corporate Card
MWR	MasterCard World Retailer Centric Payments
N	Visa Platform
N1	Visa Rewards
N2	Visa Select
OLB	Maestro Small Business Delayed Debit
OLG	Maestro Gold Delayed Debit
OLP	Maestro Platinum Delayed Debit
OLS	Maestro (Student Card) Delayed Debit
OLW	World Maestro Delayed Debit
P	Visa Gold
PMC	MasterCard Proprietary Credit Card (Swedish domestic)
PMD	MasterCard Proprietary Debit Card (Swedish domestic)
PSC	MasterCard Common Proprietary Swedish Credit Card
PSD	MasterCard Common Proprietary Swedish Debit Card
PVA	MasterCard Private Label A
PVB	MasterCard Private Label B
PVC	MasterCard Private Label C
PVD	MasterCard Private Label D
PVE	MasterCard Private Label E
PVF	MasterCard Private Label F
PVG	MasterCard Private Label G
PVH	MasterCard Private Label H
PVI	MasterCard Private Label I
PVJ	MasterCard Private Label J
PVL	MasterCard Private Label L
Q	Visa Private Label
Q2	Visa Private Label Basic
Q3	Visa Private Label Standard
Q4	Visa Private Label Enhanced
Q5	Visa Private Label Specialized
Q6	Visa Private Label Premium
R	Visa Proprietary
RP	American Express US Reloadable
S	Visa Purchasing
S1	Visa Purchasing with Fleet
S2	Visa GSA Purchasing
S3	Visa GSA Purchasing with Fleet
S4	Visa Government Services Loan
S5	Visa Commercial Transport (EBT)
S6	Visa Business Loan
S7	Visa Distribution
SAG	Gold MasterCard Salary Immediate Debit
SAL	Standard Maestro Salary
SAP	Platinum MasterCard Salary Immediate Debit
SAS	Standard MasterCard Salary Immediate Debit
SOS	Standard MasterCard Social Immediate Debit
SUR	Prepaid Unembossed MasterCard Card (Non-US)
SV	American Express US Stored Value
TBE	MasterCard Electronic Business Immediate Debit
TCB	MasterCard Corporate Immediate Debit
TCC	MasterCard (mixed BIN) Immediate Debit
TCE	MasterCard (Electronic) Student Card Immediate Debit
TCF	MasterCard Fleet Card Immediate Debit
TCG	Gold MasterCard Card Immediate Debit
TCO	MasterCard (Corporate) Immediate Debit
TCP	MasterCard Purchasing Card Immediate Debit
TCS	MasterCard Standard (Unembossed) Card Immediate Debit
TCW	MasterCard World Signia Immediate Debit
TEB	MasterCard Executive BusinessCard Card Immediate Debit
TEC	MasterCard Electronic Commercial Immediate Debit
TEO	MasterCard Corporate Executive Card Immediate Debit
TNF	MasterCard Public Sector Commercial Card Immediate Debit
TNW	MasterCard New World Immediate Debit
TPB	MasterCard Preferred Business Card Immediate Debit
TPL	Platinum MasterCard Immediate Debit
TWB	World MasterCard Black Edition Immediate Debit
U	Visa Travel Money
V	Visa V Pay
WBE	World MasterCard Black Edition
X	Visa B2B Virtual Payments

Network response codes

In addition to the processor response code and text, some transaction and verification objects also include a network response code and text.

These network response values are the raw responses that may be returned by the card network, and when present they can provide additional detail about why a request was approved or declined. However, this information is supplemental to the processor response code; you should consider the processor response code to be the source of truth.

Each card network has distinct response codes:

Card Network	Code	Text
Visa	00	Successful approval/completion or V.I.P. PIN verification is successful
Visa	01	Refer to card issuer
Visa	02	Refer to card issuer, special condition
Visa	03	Invalid merchant or service provider
Visa	04	Pick up card
Visa	05	Do not Honor
Visa	06	Error
Visa	07	Pick up card, special condition (other than lost/stolen card)
Visa	10	Partial Approval
Visa	11	V.I.P. approval
Visa	12	Invalid transaction
Visa	13	Invalid amount (currency conversion field overflow); or amount exceeds maximum for card program
Visa	14	Invalid account number (no such number)
Visa	15	No such issuer
Visa	19	Re-enter transaction
Visa	21	No action taken (unable to back out prior transaction)
Visa	25	Unable to locate record in file, or account number is missing from the inquiry
Visa	28	File is temporarily unavailable
Visa	39	No credit account
Visa	41	Pick up card (lost card)
Visa	43	Pick up card (stolen card)
Visa	46	Closed Account
Visa	51	Insufficient funds
Visa	52	No checking account
Visa	53	No savings account
Visa	54	Expired card
Visa	55	Incorrect PIN
Visa	57	Transaction not permitted to cardholder
Visa	58	Transaction not allowed at terminal
Visa	59	Suspected fraud
Visa	61	Activity amount limit exceeded
Visa	62	Restricted card (for instance, in Country Exclusion table)
Visa	63	Security violation
Visa	64	Transaction does not fulfill AML requirement
Visa	65	Activity count limit exceeded
Visa	75	Allowable number of PIN-entry tries exceeded
Visa	76	Unable to locate previous message (no match on retrieval reference number)
Visa	77	Previous message located for a repeat or reversal, but repeat or reversal data inconsistent with original message
Visa	78	Blocked, first used — Transaction from new cardholder, and card not properly unblocked
Visa	79	Transaction reversed
Visa	80	Visa transactions: credit issuer unavailable. Private label: invalid date
Visa	81	PIN cryptographic error found (error found by VIC security module during PIN decryption)
Visa	82	Negative Online CAM, dCVV, iCVV, or CVV results Or Offline PIN authentication interrupted
Visa	85	No reason to decline request for account number verification, address verification, CVV2 verification, or credit voucher or merchandise return
Visa	86	Cannot verify PIN
Visa	91	Issuer unavailable or switch inoperative (STIP not applicable or available for this transaction) Issuers can respond with this code, which V.I.P. passes to the acquirer without invoking stand-in processing (STIP). Issuer processors use the code to indicate they cannot perform authorization on issuers’ behalf. Code causes decline at POS.
Visa	1A	Additional customer authentication required
Visa	B1	B116 Surcharge amount not permitted on Visa cards
Visa	N0	Force STIP
Visa	N3	Cash service not available
Visa	N4	Cashback request exceeds issuer limit
Visa	N7	Decline for CVV2 failure
Visa	N8	Transaction amount exceeds pre-authorized approval amount
Visa	P2	P2 Invalid biller information
Visa	P5	PIN change/unblock request declined
Visa	P6	Unsafe PIN
Visa	R0	Stop payment order
Visa	R1	Revocation of authorization order
Visa	R3	Revocation of all authorizations order
Visa	Z3	Unable to go online; declined
Visa	XA	Forward to issuer
Visa	XD	Forward to issuer
Visa	Q1	Card authentication failed Or Offline PIN authentication interrupted
Mastercard	00	Approved or completed successfully
Mastercard	01	Refer to card issuer
Mastercard	03	Invalid merchant
Mastercard	04	Capture card Capture
Mastercard	05	Do not honor
Mastercard	08	Honor with ID
Mastercard	10	Partial Approval
Mastercard	12	Invalid transaction
Mastercard	13	Invalid amount
Mastercard	14	Invalid card number
Mastercard	15	Invalid issuer
Mastercard	30	Format error
Mastercard	41	Lost card
Mastercard	43	Stolen Card
Mastercard	51	Insufficient funds/over credit limit
Mastercard	54	Expired card
Mastercard	55	Invalid PIN
Mastercard	57	Transaction not permitted to issuer/cardholder
Mastercard	58	Transaction not permitted to acquirer/terminal
Mastercard	61	Exceeds withdrawal amount limit
Mastercard	62	Restricted card
Mastercard	63	Security violation
Mastercard	65	Exceeds withdrawal count limit
Mastercard	70	Contact Card Issuer
Mastercard	71	PIN Not Changed
Mastercard	75	Allowable number of PIN tries exceeded
Mastercard	76	Invalid/nonexistent To Account specified
Mastercard	77	Invalid/nonexistent From Account specified
Mastercard	78	Invalid/nonexistent account specified (general)
Mastercard	79	Lifecycle Declines
Mastercard	81	Domestic Debit Transaction Not Allowed (Regional use only)
Mastercard	82	Policy Declines
Mastercard	84	Invalid Authorization Life Cycle
Mastercard	85	Not declined. Valid for all zero amount transactions.
Mastercard	86	PIN Validation not possible
Mastercard	87	Purchase Amount Only, No Cash Back Allowed
Mastercard	88	Cryptographic failure
Mastercard	89	Unacceptable PIN—Transaction Declined—Retry
Mastercard	91	Authorization System or issuer system inoperative
Mastercard	92	Unable to route transaction
Mastercard	94	Duplicate transmission detected
Mastercard	96	System error
Discover	00	Approved or completed successfully
Discover	01	Reserved for future use
Discover	02	Reserved for future use
Discover	03	Invalid Merchant
Discover	04	Capture Card
Discover	05	Do not honor
Discover	07	Pick-up Card, special condition
Discover	08	Reserved for future use
Discover	10	Approved for partial amount
Discover	11	Approved
Discover	12	Invalid transaction
Discover	13	Invalid amount
Discover	14	Invalid Card Number
Discover	15	Reserved for future use
Discover	19	Re-enter transaction
Discover	30	Format error
Discover	31	Bank not supported by switch
Discover	33	Reserved for future use
Discover	34	Reserved for future use
Discover	35	Reserved for future use
Discover	36	Reserved for future use
Discover	37	Reserved for future use
Discover	38	Allowable PIN tries exceeded
Discover	39	No credit Account
Discover	40	Requested function not supported
Discover	41	Lost Card
Discover	43	Stolen Card
Discover	51	Decline
Discover	53	No savings Account
Discover	54	Expired Card
Discover	55	Invalid PIN
Discover	56	No Card record
Discover	57	Transaction not permitted to Issuer/Cardholder
Discover	58	Transaction not permitted to Acquirer/terminal
Discover	59	Suspected fraud
Discover	60	Card acceptor contact Acquirer
Discover	61	Exceeds withdrawal amount limit
Discover	62	Restricted Card
Discover	63	Security violation
Discover	64	Original amount incorrect
Discover	65	Exceeds withdrawal count limit
Discover	66	Card Acceptor call Acquirer’s security dept
Discover	67	Hard capture (requires ATM pick-up)
Discover	68	Response received too late Decline
Discover	75	Allowable number of PIN tries exceeded
Discover	76	Invalid/nonexistent “to” Account specified
Discover	77	Invalid/nonexistent “from” Account specified
Discover	78	Invalid/nonexistent Account specified (general)
Discover	83	Domain Restriction Controls Failure
Discover	85	No reason to decline
Discover	87	Network unavailable
Discover	91	Authorization system or Issuer system inoperative
Discover	92	Unable to route transaction Decline
Discover	93	Transaction cannot be completed, violation of law
Discover	94	Duplicate transmission detected
Discover	96	System malfunction Decline
Discover	N1	System up
Discover	N2	Soft down
Discover	N3	System down
Discover	N7	Decline for AVS or CID mismatch
Discover	P5	PIN Change/Unblock failed
Discover	P6	New PIN not accepted
American Express	000	Approved
American Express	001	Approved with ID
American Express	002	Partial Approval (Prepaid Cards only)
American Express	100	Deny
American Express	101	Expired Card / Invalid Expiration Date
American Express	106	Exceeded PIN attempts
American Express	107	Please Call Issuer
American Express	109	Invalid merchant
American Express	110	Invalid amount
American Express	111	Invalid account / Invalid MICR (Travelers Cheque)
American Express	115	Requested function not supported
American Express	117	Invalid PIN
American Express	119	Cardmember not enrolled / not permitted
American Express	122	Invalid card security code (a.k.a., CID, 4DBC, 4CSC)
American Express	125	Invalid effective date
American Express	181	Format error
American Express	183	Invalid currency code
American Express	187	Deny - New card issued
American Express	189	Deny - Canceled or Closed Merchant/SE
American Express	200	Deny - Pick up card
American Express	900	Accepted - ATC Synchronization
American Express	909	System Malfunction (Cryptographic error)
American Express	912	Issuer not available