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

Custom code	Name	Stateful or stateless	Zero Balance validation	Visa denial code	Mastercard denial code	TecBan denial code	Rupay denial code	ELO
OP1	Generic error	Both	X	05	63	06	96	05
OP1	Incomplete transaction	Stateless	X	12	30	30	30	30
FR5	Transaction made in Brazil with magnetic stripe	Stateless	X	63	57	R9	57	82
FR1	CVV1 or CVC1 validation	Stateless	X	82	88	57	14	82
FR2	CVV2 or CVC2 validation	Stateless	X	82	88	57	14	82
FR3	IAV validation	Stateless	X	63	63	06	63	63
CED	Invalid expiration date provided	Stateless	X	54	54	54	14	54
FRH	POS (Point-of-Sale) entry mode validation	Stateless	X	58	58	58	58	58
FRE	Cryptogram data validation	Stateless	X	63	57	R9	57	82
FRN	Chip field validation	Stateless	X	63	63	R9	E3	82
FRO	Chip signature validation	Stateless	X	82	88	R9	81	82
FR6	Password validation	Stateless	X	55	55	55	55	55
998	Card hash not present in database	Stateless*	X	14	14	56	14	14
FR7	Card not present in database	Stateless*	X	14	14	14	14	14
ANF	Acceptance not found	Stateful	X	57	57	57	57	57
IAT	Invalid account transaction	Stateful	X	57	57	57	57	57
CMD	Card mode disabled	Stateful	X	57	57	57	57	57
VEV	Expired virtual card	Stateful	X	54	54	54	54	54
VNM	Expired card	Stateful	X	54	54	54	54	54
CTE	Transaction counter exceeded	Stateful	X	54	54	54	54	54
CND	Account blocked	Stateful		62	57	57	57	57
TSM	Password tries exceeded	Stateful	X	75	75	38	75	75
FAT	ATC validation	Stateful	X	63	63	01	05	82
DCM	Original authorization not found at refund	Stateful		12	57	12	57	12
810	Available insufficient balance validation	Stateful		51	51	51	51	51
810	Available withdrawal limit validation	Stateful		61	61	61	61	61
LUT	Ledger timeout	Stateful		N0	96	06	96	96
LUE	Error on update Ledger	Stateful		N0	96	06	96	96
PFT	Denied by anti-fraud	Stateful		59	63	57	63	59
FL6	Card blocked by anti-fraud	Stateful		59	57	57	57	59
MPC	Program config not found	Stateful	X	14	96	06	96	96
PGE	Unexpected error in processing code definition	Stateful	X	14	96	06	96	96
UBN	NFC disabled	Stateful	X	57	57	57	57	FM
ISE	Insufficient statements	Stateful		57	57	06	57	57
NCV	Entry mode not allowed with no-CVM	Stateful		57	57	57	57	57
RED	Operation not allowed by rules	Stateful		57	57	57	57	57
RED	Rules do not honor	Stateful		57	57	57	57	57
RED	Rules internal error	Stateful		N0	96	06	96	96
LUD	Limit update duplicated ID error	Stateful		46	96	06	96	96
RAE	Error on authorization amount calculation	Stateful		N0	96	06	96	96
RAD	Rates API denial	Stateful		57	57		57	57
LCT	Ledger account timeout	Stateful		N0	96	06	96	96
LNF	Account not found	Stateful		14	14	56	14	14
LAE	An unexpected error happened while fetching the account information	Stateful		14	96	06	96	96
PCT	A timeout occurred in processing code definition	Stateful		N0	96	06	96	96
PCE	Unexpected error in processing code definition	Stateful		14	96	06	96	96
STD	Denied by second authorizer	Both	X	N0	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	Stateful		57	57`	57	57	57
DIC	Invalid country for DCC definition	Stateful		57	57	57	57	57
DIY	Invalid currency for DCC definition	Stateful		57	57	57	57	57
PRN	Program not found	Stateful		N0	96	06	96	96
PIC	Program has invalid currency code	Stateful		57	57	57	57	57
PRT	A timeout occurred while fetching program	Stateful		N0	96	06	96	96
PRE	Unexpected error while fetching program	Stateful		N0	96	06	96	96
ZBP	Partial authorization response invalid in Zero balance purchases.	Stateful	X	N0	96	06	96	96
CV3	CVC3 not configured	Stateful	X	57	57	57	57	57
IIN	Invalid number of installments	Stateful		57	57	57	57	57
IMF	Invalid message format	Stateless	X	12	30	30	30	30
IMA	Invalid MAC (message authentication code)	Stateless						89
ZBU	Unavailable endpoint, zero balance client webhook returns 503 status code.	Stateful	X	N0	96	06	96	96
ZBT	Zero balance client webhook throws timeout exception.	Stateful	X	N0	96	06	96	96
ZBF	Zero balance client webhook returns 403 status code, forbidden.	Stateful	X	N0	96	06	96	96
ZBA	Zero balance client webhook returns 401 status code, unauthorized.	Stateful	X	N0	96	06	96	96
ZBE	Zero balance client webhook returns general error	Stateful	X	N0	96	06	96	96
ETR	Exceed time to reversal	Stateful	X					12
HCE	HSM communication error	Stateful	X	NO	96	06	96	96

* Considered stateless despite querying database.

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

Card token validations

Custom code	Card token status	Stateful or stateless	Card issuer authorization	Visa denial code	Mastercard denial code	TecBan denial code	Rupay denial code	ELO
Z22	Suspended	Stateful	X	14	57	57	57	12
Z23	Deactivated	Stateful	X	14	57	57	57	12
Z24	Inactive	Stateful	X	14	57	57	57	12
Z26	Not found	Stateful	X	14	14	57	57	12
Z27	Status unknown	Stateful	X	14	57	57	57	12
Z29	Failed	Stateful	X	14	57	57	57	12