An authorization event uses a validation code to indicate what type of action generated it. You can find the card network's validation code in the response_code field.

If a validation fails, the Pismo platform uses a custom validation code to provide more specific reasons for why it failed. You can find the custom code for an event in the denial_code field.

An authorization event falls into one of two categories: stateless or stateful.

A stateless event is independent of other events. For example, if an event indicates that an invalid expiration date was provided, then the transaction is over. Of course, the card holder can enter the correct expiration date, but when they submit the new data, a new transaction is generated – a transaction that is completely independent of the old transaction. So "Invalid expiration date provided" is a stateless event.

On the other hand, if a card holder reports a card as stolen, the platform generates a "Card status ROBBED or THEFT" event. The platform needs to do more processing after issuing this event – to block the card, for example. Since this is an on-going transaction, it's a stateful event.

The following tables list all the custom codes that the Pismo platform uses for authorization events. An event only contains one of these codes if validation fails. Approved transactions don't have custom codes.

Authorization validations

KEY:
CC = Custom code, SL = Stateless, SF = Stateful, ZBV = Zero balance validation, MDC = Merchant Denial Code, VDC = Visa denial code, MDC = Mastercard denial code, TDC = TecBan denial code, RDC = RuPay denial code, EDC = ELO denial code, CD = Customer decides

CC	Name	State	ZBV	MDC	VDC	MDC	TDC	RDC	EDC
OP1	Generic error	Both	X	-	05	96	06	96	05
OP1	Incomplete transaction	SL	X	-	12	30	30	30	30
FR5	Transaction made with magnetic stripe in a country where it's not allowed to be used	SL	X	03	57	57	R9	57	82
FR1	CVV1 or CVC1 validation	SL	X	03	82	88	57	05	82
FR2	CVV2 or CVC2 validation	SL	X	03	N7	88	57	05	63
FR3	IAV validation	SL	X	-	63	63	06	63	63
CED	Invalid expiration date provided	SL	X	03	54	54	54	14	54
FRH	POS (Point-of-Sale) entry mode validation	SL	X	02	58	58	58	58	58
FRE	Cryptogram data validation	SL	X	02	63	57	R9	E3	82
FRN	Chip field validation	SL	X	02	82	63	R9	E3	82
FRO	Chip signature validation	SL	X	03	82	88	R9	81	82
FR6	Password validation	SL	X	03	55	55	55	55	55
CGE	Card Generic Error	SF	X	-	N0	96	06	96	96
CET	Card Timeout	SF	X	-	N0	96	06	96	96
998	Card hash not present in database	SL*	X	03	14	14	56	14	14
FR7	Card not present in database	SL*	X	03	14	14	14	14	14
ANF	Acceptance not found	SF	X	03	57	57	57	57	57
IAT	Invalid account type	SF	X	03	57	57	57	57	AB (debit) AC (credit)
CMD	Card mode disabled	SF	X	-	57	57	57	57	57 (invalid mode) AB (debit) AC (credit)
AET	Anti-fraud external API timeout	SF		-	59	63	57	63	59
AEE	Anti-fraud external generic error	SF		-	59	63	57	63	59
AIT	Anti-fraud internal API timeout	SF		-	59	63	57	63	59
AFE	Anti-fraud internal API generic error	SF		-	59	63	57	63	59
VEV	Expired virtual card	SF	X	03	54	54	54	54	54
VNM	Expired card	SF	X	03	54	54	54	54	54
CTE	Transaction counter exceeded	SF	X	03	54	54	54	54	54
CND	Account blocked	SF		02	62	57	57	57	57
CNC	Account cancelled	SF		02	62	57	57	57	57
CNU	Account status unknown	SF		02	62	57	57	57	57
TSM	Password tries exceeded	SF	X	02	75	75	38	75	38
FAT	ATC validation	SF	X	02	63	63	01	05	82
DCM	Original authorization not found at refund	SF		02	12	57	12	57	12
810	Available insufficient balance validation	SF		02	51	51	51	51	51
810	Available withdrawal limit validation	SF		02	61	61	61	61	51
LUT	Ledger timeout	SF		02	N0	96	06	96	96
LUE	Error on update Ledger	SF			N0	96	06	96	96
PFT	Denied by anti-fraud	SF		-	59	63	57	63	59
FL6	Card blocked by anti-fraud	SF			59	57	57	57	59
MPC	Program config not found	SF	X	02	14	96	06	96	96
PGE	Program config generic error	SF	X	-	14	96	06	96	96
UBN	NFC disabled	SF	X	-	57	57	57	57	FM
ISE	Insufficient statements	SF		-	57	57	06	57	57
NCV	Entry mode not allowed with no-CVM	SF		03	57	57	57	57	57
RED	Operation not allowed by rules	SF		02	78	57	57	57	57
RED	Rules do not honor	SF		02	57	57	57	57	57
RED	Rules internal error	SF		-	N0	96	06	96	96
RED	Operation not permitted - credit voucher	SF		-	59	57	57	57	57
LUD	Limit update duplicated ID error	SF		02	N0	96	06	96	96
RAE	Error on authorization amount calculation	SF		02	N0	96	06	96	96
RAD	Rates API denial	SF		02	57	57	-	57	57
LCT	Ledger account timeout	SF		02	N0	96	06	96	96
LNF	Account not found	SF		-	14	14	56	14	14
LAE	An unexpected error happened while fetching the account information	SF		02	N0	96	06	96	96
PCT	A timeout occurred in processing code definition	SF		02	N0	96	06	96	96
PCE	Unexpected error in processing code definition	SF		02	N0	96	06	96	96
STD	Denied by second authorizer	Both	X		No	96	-	-	96
DCE	distributor-api communication error	Both	X		N0	96	06	96	-
ACE	networktransactions-api communication error	Both	X		N0	96	06	96	96
DCC	DCC transaction not allowed for program	SF		03	57	57	57	57	57
DIC	Invalid country for DCC definition	SF		-	57	57	57	57	57
DIY	Invalid currency for DCC definition	SF		-	57	57	57	57	57
PRN	Program not found	SF		-	N0	96	06	96	96
PIC	Program has invalid currency code	SF		-	57	57	57	57	57
PRT	A timeout occurred while fetching program	SF		-	N0	96	06	96	96
PRE	Unexpected error while fetching program	SF		-	N0	96	06	96	96
PAT	A timeout occurred while fetching parameters	SF		-	N0	96	06	96	96
PAE	Unexpected error while fetching parameters	SF		-	N0	96	06	96	96
ZBP	Partial authorization response invalid in Zero balance purchases	SF	X		N0	96	06	96	96
CV3	CVC3 not configured	SF	X	-	57	57	57	57	57
IMF	Invalid message format	SL	X	-	12	30	30	30	30
ZBU	Unavailable endpoint, zero balance client webhook returns 503 status code	SF	X		N0	96	06	96	96
ZBT	Zero balance API exceed time allowed. Timeout exception.	SF	X		N0	96	06	96	96
ZBF	Zero balance client webhook returns 403 status code, forbidden	SF	X		N0	96	06	96	96
ZBA	Zero balance API returns 401 status code, unauthorized	SF	X		N0	96	06	96	96
ZBE	Zero balance API returns general errors	SF	X		N0	96	06	96	96
ETR	Exceed time to reversal	SF	X		-	-	-	-	12
CAV	CAVV - 3DS VALIDATION	SL	X	-	63	63	06	63	12
HCE	HSM communication error	SL	X	-	N0	96	06	96	96
ZBD	Zero balance API returns general errors	SL	X		CD	CD	CD	CD	CD
GCD	Gift card denial	SL	X	-	-	-	-	-	57
PNP	PIN not present	SL	X		86	86	55	55	55
BCE	Balance Config generic error	SF		-	N0	96	06	96	96
BCT	Balance Config timeout	SF		-	N0	96	06	96	96
ACT	Account timeout	SF		02	N0	96	06	96	96
AGE	Account generic error	SF		02	N0	96	06	96	96
AUD	Authorization disabled	SF		03	78	57	57	57	78
IZA	Zero amount not allowed	SF		-	13	13	13	13	13
BII	Balance Inquiry internal error			02	57	57	57	57	57
PNF	Parameter not found			-	N0	96	06	96	96
IMA	MAC invalid	SL			63	63	57	89	63

Card status validations

Any card status validation returns the denial code 05 for an account inquiry transaction type.

Custom code	Card status	Stateful or stateless	Card issuer authorization	Merchant Denial Code	Visa denial code	Mastercard denial code	TecBan denial code	Rupay denial code	ELO
FRB	CREATED	Stateful	X	02	78	57	57	57	78
UBT	BLOCKED	Stateful	X	02	78	57	76	57	78
BND	CANCELED or CLIENTORDER	Stateful	X	03	46	62	57	62	46
BNW	WARNING	Stateful	X	02	59	63	57	57	62
BNF	FRAUD	Stateful	X	03	07	04	57	04	57
BNP	LOST	Stateful	X	03	41	41	41	41	41
BNR	ROBBED or THEFT	Stateful	X	03	43	43	43	43	43
VED	DELETED	Stateful	X	03	46	57	56	57	46
BNU	UNRECEIVED	Stateful	X	03	41	41	41	57	14
BNI	INOPERATIVE	Stateful	X	02	14	57	57	57	14
BNM	DAMAGED	Stateful	X	03	57	57	56	57	57
CPE	PENDING	Stateful	X	-	14	57	56	57	62
CSU	CARD UNKNOWN	Stateful	X	03	14	57	56	57	14

Card token validations

Custom code	Card token status	Stateful or stateless	Card issuer authorization	Merchant Denial Code	Visa denial code	Mastercard denial code	TecBan denial code	Rupay denial code	ELO
Z22	Suspended	Stateful	X	03	14	57	57	57	12
Z23	Deactivated	Stateful	X	02	14	57	57	57	12
Z24	Inactive	Stateful	X	02	14	57	57	57	12
Z26	Not found	Stateful	X	02	14	14	57	57	12
Z27	Status unknown	Stateful	X	02	14	57	57	57	12
Z29	Failed	Stateful	X	02	14	57	57	57	12
Z30	Token was found but does not match with card	Stateful	X	0	14	57	57	57	12