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, Merch DC = 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	Merch DC	VDC	MDC	TDC	RDC	EDC
91	Authorization system or issuer system inoperative	SF	X	-	91	91	91	91	91
810	Available insufficient balance validation	SF	02	51	51	51	51	51	51
810	Available withdrawal limit validation	SF	02	61	61	61	61	61	51
998	Card hash not present in database	SL	X	02	14	14	56	14	14
ACE	network-transactions-api communication error	Both	X	-	N0	96	06	96	96
ACT	Account timeout	SF		02	N0	96	06	96	96
AEE	Anti-fraud external generic error	SF		-	59	63	57	63	59
AET	Anti-fraud external API timeout	SF		-	59	63	57	63	59
AFE	Anti-fraud internal API generic error	SF		-	59	63	57	63	59
AGE	Account generic error	SF		02	N0	96	06	96	96
AIT	Anti-fraud internal API timeout	SF		-	59	63	57	63	59
ANF	Acceptance not found	SF	X	03	5C	57	57	57	57
AUD	Authorization disabled	SF		02	78	57	57	57	78
BCE	Balance Config generic error	SF		-	N0	96	06	96	96
BCT	Balance Config timeout	SF		-	N0	96	06	96	96
BII	Balance inquiry internal error	SF	X	02	5C	57	57	57	57
CAV	CAVV - 3DS VALIDATION	SL	X	-	63	63	06	63	12
CED	Invalid expiration date provided	SL	X	02	54	54	54	54	54
CET	Card timeout	SF	X	-	N0	96	06	96	96
CGE	Card generic error	SF	X	-	N0	96	06	96	96
CLF	Credit limit impact not found	SF		-	N0	96	06	96	96
CMD	Card mode disabled	SF	X	-	5C	57	57	57	57 (invalid mode) AB (debit) AC (credit)
CNC	Account cancelled	SF		02	46	62	57	57	46
CND	Account blocked	SF		02	62	57	57	57	62
CNU	Account status unknown	SF		02	62	57	57	57	57
CTE	Transaction counter exceeded	SF	X	02	54	54	54	54	54
CTT	Card token timeout	SF	X	-	N0	96	06	96	96
CV3	CVC3 not configured	SF	X	-	5C	57	57	57	57
DCC	DCC transaction not allowed for program	SF		02	5C	57	57	57	57
DCE	distributor-api communication error	Both	X	-	N0	96	06	96	-
DCM	Original authorization not found at refund	SF		02	12	57	12	57	12
DIC	Invalid country for DCC definition	SF		-	5C	57	57	57	57
DIY	Invalid currency for DCC definition	SF		-	5C	57	57	57	57
ETR	Exceed time to reversal	SF	X	-	-	-	-	-	12
FAT	ATC validation	SF	X	02	63	63	01	05	82
FL6	Card blocked by anti-fraud	SF		-	59	57	57	57	59
FR1	CVV1 or CVC1 validation	SL	X	02	82	63	57	05	82
FR2	CVV2 or CVC2 validation	SL	X	02	N7	63	57	05	63
FR3	IAV validation	SL	X	-	63	63	06	63	63
FR5	Transaction made with magnetic stripe in a country where it's not allowed to be used	SL	X	02	5C	57	R9	57	57
FR6	Password validation	SL	X	02	55	55	55	55	55
FR7	Card not present in database	SL	X	02	14	14	14	14	14
FRE	Cryptogram data validation	SL	X	02	63	57	R9	E3	82
FRH	POS (Point-of-Sale) entry mode validation	SL	X	02	58	58	58	58	58
FRN	Chip field validation	SL	X	02	82	63	R9	E3	82
FRO	Chip signature validation	SL	X	02	82	88	R9	81	82
GCD	Gift card denial	SL	X	-	-	-	-	-	57
HCE	HSM communication error	SL	X	-	N0	96	06	96	96
IAT	Invalid account type	SF	X	02	5C	57	57	57	AB (debit) AC (credit)
IMA	Invalid message authentication code (MAC)	SL		-	63	63	57	89	63
IMF	Invalid message format	SL	X	-	12 or 5C	30	30	30	30
ISE	Insufficient statements	SF		-	5C	57	06	57	57
IZA	Zero amount not allowed	SF		-	-	-	-	-	13
LAE	An unexpected error happened while fetching the account information	SF		02	N0	96	06	96	96
LCT	Ledger account timeout	SF		02	N0	96	06	96	96
LNF	Account not found	SF		-	14	14	56	14	14
LUD	Limit update duplicated ID error	SF		02	N0	96	06	96	96
LUE	Error on update Ledger	SF		-	N0	96	06	96	96
LUT	Ledger timeout	SF		02	N0	96	06	96	96
MDC	Multi-currency not allowed for DCC authorization	SF		02	5X	57	57	57	57
MPC	Program config not found	SF	X	02	N0	96	06	96	96
NCV	Entry mode not allowed with no-CVM	SF		02	5C	57	57	57	57
OON	Org operation not found	SF	X	02	5C	57	57	57	57
OOT	Orgs operation timeout	SF		-	N0	96	06	96	96
OP1	Generic error	Both	X	-	05	96	06	96	05
OP1	Incomplete transaction	SL	X	-	12	30	30	30	30
OP1	PIN translation failed	SL	X	-	N0	96	06	96	05
PAE	Unexpected error while fetching parameters	SF		-	N0	96	06	96	96
PAT	A timeout occurred while fetching parameters	SF		-	N0	96	06	96	96
PCE	Unexpected error in processing code definition	SF		02	N0	96	06	96	96
PCT	A timeout occurred in processing code definition	SF		02	N0	96	06	96	96
PFT	Denied by anti-fraud	SF		-	59	63	57	63	59
PGE	Program config generic error	SF	X	-	N0	96	06	96	96
PIC	Program has invalid currency code	SF		-	5C	57	57	57	57
PNF	Parameter not found This code is no longer used			-	N0	96	06	96	96
PNP	PIN not present	SL	X	-	86	86	55	55	55
PRE	Unexpected error while fetching program	SF		-	N0	96	06	96	96
PRN	Program not found	SF		-	N0	96	06	96	96
PRT	A timeout occurred while fetching program	SF		-	N0	96	06	96	96
RAD	Rates API denial	SF		02	5C	57	-	57	57
RAE	Error on authorization amount calculation	SF		02	N0	96	06	96	96
RED	Operation not allowed by rules	SF		02	78	57	57	57	57
RED	Rules do not honor	SF		02	78	57	57	57	57
RED	Rules internal error	SF		-	N0	96	06	96	96
RED	Operation not permitted - credit voucher	SF		02	59	57	57	57	57
STD	Denied by second authorizer	Both	X		N0	96	-	-	96
TGE	Card token generic error	SF	X	-	N0	96	06	96	96
TNP	Token not provided	SL		-	05	05	-	-	-
TSM	Password tries exceeded	SF	X	02	75	75	38	75	38
UBN	NFC disabled	SF	X	-	78	57	57	57	78
VEV	Expired virtual card	SF	X	02	54	54	54	54	54
VNM	Expired card	SF	X	02	54	54	54	54	54
ZBA	Zero balance API returns 401 status code, unauthorized	SF	X	-	N0	96	06	96	96
ZBD	Zero balance client declined	SF	X	-	CD	CD	CD	CD	CD
ZBE	Zero balance API returns general errors	SF	X	-	N0	96	06	96	96
ZBF	Zero balance client webhook returns 403 status code, forbidden	SF	X	-	N0	96	06	96	96
ZBP	Partial authorization response invalid in Zero balance purchases	SF	X	-	N0	96	06	96	96
ZBT	Zero balance API exceed time allowed. Timeout exception.	SF	X	-	N0	96	06	96	96
ZBU	Unavailable endpoint, zero balance client webhook returns 503 status code	SF	X	-	N0	96	06	96	96

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 denial code
BND	CANCELED or CLIENTORDER	Stateful	X	03	46	62	57	62	46
BNF	FRAUD	Stateful	X	03	07	04	57	04	57
BNI	INOPERATIVE	Stateful	X	02	14	57	57	57	14
BNM	DAMAGED	Stateful	X	03	5C	57	56	57	57
BNP	LOST	Stateful	X	03	41	41	41	41	41
BNR	ROBBED or THEFT	Stateful	X	03	43	43	43	43	43
BNU	UNRECEIVED	Stateful	X	03	41	41	41	57	14
BNW	WARNING	Stateful	X	02	59	63	57	57	62
CPE	PENDING	Stateful	X	-	14	57	56	57	62
CSU	CARD UNKNOWN	Stateful	X	03	14	57	56	57	14
FRB	CREATED	Stateful	X	02	78	57	57	57	78
UBT	BLOCKED	Stateful	X	02	78	57	76	57	78
VED	DELETED	Stateful	X	03	46	57	56	57	46

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 denial code
Z22	Suspended	Stateful	X	03	5C	57	57	57	12
Z23	Deactivated	Stateful	X	02	5C	57	57	57	12
Z24	Inactive	Stateful	X	02	5C	57	57	57	12
Z26	Not found	Stateful	X	02	5C	14	57	57	12
Z27	Status unknown	Stateful	X	02	5C	57	57	57	12
Z29	Failed	Stateful	X	02	5C	57	57	57	12
Z30	Token was found but does not match with card	Stateful	X	-	5C	57	57	57	12

Validation codes for authorization events

Authorization validations

Card status validations

Card token validations

Changelog

Support

Pismo is here to help