--- updatedAt: 2026-08-06T02:48:36.000Z --- Fetch the complete documentation index at: https://developers.pismo.io/pismo-docs/llms.txt. Use this file to discover all available pages before exploring further. Append .md to any documentation page URL to get its markdown version. # Validation codes for authorization events 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](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#91---authorization-system-or-issuer-system-inoperative) Authorization system or issuer system inoperative SF X *
91 91 91 91 91
[810](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#810---available-limit-validation) Available insufficient balance validation SF 02 51 51 51 51 51 51
[810](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#810---available-limit-validation) Available withdrawal limit validation SF 02 61 61 61 61 61 51
[998](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#998---card-hash-not-present-in-the-database) Card hash not present in database SL X 02 14 14 56 14 14
[ACE](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#ace---network-transactions-api-communication-error) network-transactions-api communication error Both X *
N0 96 06 96 96
[ACT](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#act---a-timeout-occurred-while-fetching-account) Account timeout SF 02 N0 96 06 96 96
[AEE](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#aee---anti-fraud-external-generic-error) Anti-fraud external generic error SF *
59 63 57 63 59
[AET](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#aet---anti-fraud-external-api-timeout) Anti-fraud external API timeout SF *
59 63 57 63 59
[AFE](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#afe---anti-fraud-internal-generic-error) Anti-fraud internal API generic error SF *
59 63 57 63 59
[AGE](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#age---unexpected-error-while-fetching-account) Account generic error SF 02 N0 96 06 96 96
[AIT](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#ait---anti-fraud-internal-api-timeout) Anti-fraud internal API timeout SF *
59 63 57 63 59
[ANF](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#anf---acceptance-not-found) Acceptance not found SF X 03 5C 57 57 57 57
[AUD](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#aud---authorization-disabled) Authorization disabled SF 02 78 57 57 57 78
[BCE](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#bce---balance-config-generic-error) Balance Config generic error SF *
N0 96 06 96 96
[BCT](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#bct---balance-config-timeout) Balance Config timeout SF *
N0 96 06 96 96
[BII](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions-copy#bii---balance-inquiry-internal-error) Balance inquiry internal error SF X 02 5C 57 57 57 57
[CAT](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#cat---config-api-timeout) Config API timeout SF 02 N0 96 06 96 96
[CAV](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#cav---cavv-3ds-validation-result) CAVV - 3DS VALIDATION SL X *
63 63 06 63 12
[CED](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#ced---invalid-expiration-date-provided) Invalid expiration date provided SL X 02 54 54 54 54 54
[CET](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#cet---card-timeout) Card timeout SF X *
N0 96 06 96 96
[CGE](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#cge---card-generic-error) Card generic error SF X *
N0 96 06 96 96
[CLF](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#clf---credit-limit-impact-not-found) Credit limit impact not found SF *
N0 96 06 96 96
[CMD](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#cmd---card-mode-disabled) Card mode disabled SF X *
5C 57 57 57 57\ (invalid mode) AB\ (debit) AC\ (credit)
[CNC](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#cnc---account-cancelled) Account cancelled SF 02 46 62 57 57 46
[CND](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#cnd---account-blocked) Account blocked SF 02 62 57 57 57 62
[CNU](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#cnu---account-status-unknown) Account status unknown SF 02 62 57 57 57 57
[CTE](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#cte---transaction-counter-exceeded) Transaction counter exceeded SF X 02 54 54 54 54 54
[CTT](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#ctt---card-token-timeout) Card token timeout SF X *
N0 96 06 96 96
[CV3](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#cv3---cvc3-not-configured) CVC3 not configured SF X *
5C 57 57 57 57
[DCC](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#dcc---dcc-transaction-not-allowed-for-program) DCC transaction not allowed for program SF 02 5C 57 57 57 57
[DCE](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#dce---distributor-api-communication-error) distributor-api communication error Both X *
N0 96 06 96 *
[DCM](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#dcm---original-authorization-not-found-at-refund) Original authorization not found at refund SF 02 12 57 12 57 12
[DIC](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#dic---invalid-country-for-dcc-definition) Invalid country for DCC definition SF *
5C 57 57 57 57
[DIY](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#diy---invalid-currency-for-dcc-definition) Invalid currency for DCC definition SF *
5C 57 57 57 57
[ETR](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#etr---exceed-time-to-reversal) Exceed time to reversal SF X *
*
*
*
*
12
[FAT](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#fat---atc-validation) ATC validation SF X 02 63 63 01 05 82
[FL6](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#fl6---card-blocked-by-anti-fraud) Card blocked by anti-fraud SF *
59 57 57 57 59
[FR1](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#fr1-and-fr2---cvvcvc-validation) CVV1 or CVC1 validation SL X 02 82 63 57 05 82
[FR2](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#fr1-and-fr2---cvvcvc-validation) CVV2 or CVC2 validation SL X 02 N7 63 57 05 63
[FR3](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#fr3---iav----intelligent-account-validation) IAV validation SL X *
63 63 06 63 63
[FR5](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#fr5---transaction-made-with-magnetic-stripe-in-a-country-where-its-not-allowed-to-be-used) 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](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#fr6---password-validation) Password validation SL X 02 55 55 55 55 55
[FR7](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#fr7---card-not-present-in-database) Card not present in database SL X 02 14 14 14 14 14
[FRE](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#fre---cryptogram-data-validation) Cryptogram data validation SL X 02 63 57 R9 E3 82
[FRH](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#frh---pos-point-of-sale-entry-mode-validation) POS (Point-of-Sale) entry mode validation SL X 02 58 58 58 58 58
[FRN](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#frn---chip-field-validation) Chip field validation SL X 02 82 63 R9 E3 82
[FRO](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#fro---chip-signature-validation) Chip signature validation SL X 02 82 88 R9 81 82
[GCD](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#gcd---gcd-gift-card-denial) Gift card denial SL X *
*
*
*
*
57
[HCE](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#hce---hsm-communication-error) HSM communication error SL X *
N0 96 06 96 96
[IAT](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#iat---invalid-account-type) Invalid account type SF X 02 5C 57 57 57 AB\ (debit) AC (credit)
[IMA](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#ima---invalid-message-authentication-code) Invalid message authentication code (MAC) SL *
63 63 57 89 63
[IMF](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#imf---invalid-message-format) Invalid message format SL X *
12 or 5C 30 30 30 30
[ISE](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#ise---insufficient-statements) Insufficient statements SF *
5C 57 06 57 57
[IZA](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions-copy#iza---zero-amount-not-allowed) Zero amount not allowed SF *
*
*
*
*
13
[LAE](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#lae---an-unexpected-error-happened-while-getting-the-account-information) An unexpected error happened while fetching the account information SF 02 N0 96 06 96 96
[LCT](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#lct---ledger-account-timeout) Ledger account timeout SF 02 N0 96 06 96 96
[LNF](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#lnf---account-not-found) Account not found SF *
14 14 56 14 14
[LUD](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#lud---limit-update-duplicated-id-error) Limit update duplicated ID error SF 02 N0 96 06 96 96
[LUE](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#lue---error-on-update-ledger) Error on update Ledger SF *
N0 96 06 96 96
[LUT](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#lut---ledger-timeout) Ledger timeout SF 02 N0 96 06 96 96
[MDC](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#mdc---multi-currency-not-allowed-for-dcc-authorization) Multi-currency not allowed for DCC authorization SF 02 5X 57 57 57 57
[MPC](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#mpc---program-config-not-found) Program config not found SF X 02 N0 96 06 96 96
[NCV](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#ncv---entry-mode-not-allowed-with-no-cvm) Entry mode not allowed with no-CVM SF 02 5C 57 57 57 57
[OON](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#oon---org-operation-not-found) Org operation not found SF X 02 5C 57 57 57 57
[OOT](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#oot---orgs-operation-timeout) Orgs operation timeout SF *
N0 96 06 96 96
[OP1](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#op1---message-consistency-or-generic-error) Generic error Both X *
05 96 06 96 05
[OP1](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#op1---message-consistency-or-generic-error) Incomplete transaction SL X *
12 30 30 30 30
[OP1](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#op1---message-consistency-or-generic-error) PIN translation failed SL X *
N0 96 06 96 05
[PAE](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#pae---unexpected-error-while-fetching-parameters) Unexpected error while fetching parameters SF *
N0 96 06 96 96
[PAT](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#pat---a-timeout-occurred-while-fetching-parameters) A timeout occurred while fetching parameters SF *
N0 96 06 96 96
[PCE](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#pce---unexpected-error-in-processing-code-definition) Unexpected error in processing code definition SF 02 N0 96 06 96 96
[PCT](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#pct---a-timeout-occurred-in-processing-code-definition) A timeout occurred in processing code definition SF 02 N0 96 06 96 96
[PFT](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#pft---denied-by-anti-fraud) Denied by anti-fraud SF *
59 63 57 63 59
[PGE](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#pge---program-config-generic-error) Program config generic error SF X *
N0 96 06 96 96
[PIC](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#pic---program-has-invalid-currency-code) 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](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#pnp---pin-not-present) PIN not present SL X *
86 86 55 55 55
[PRE](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#pre---unexpected-error-while-fetching-program) Unexpected error while fetching program SF *
N0 96 06 96 96
[PRN](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#prn---program-not-found) Program not found SF *
N0 96 06 96 96
[PRT](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#prt---a-timeout-occurred-while-fetching-program) A timeout occurred while fetching program SF *
N0 96 06 96 96
[RAD](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#rad---rates-api-denial) Rates API denial SF 02 5C 57 *
57 57
[RAE](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#rae---error-calling-api-rates) Error on authorization amount calculation SF 02 N0 96 06 96 96
[RAT](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#rat---rates-api-timeout) Rates API timeout SF 02 N0 96 06 96 96
[RED](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#red---operation-not-allowed-by-rules--rules-do-not-honor--rules-internal-error--operation-not-permitted---credit-voucher) Operation not allowed by rules SF 02 9G 57 57 57 57
[RED](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#red---operation-not-allowed-by-rules--rules-do-not-honor--rules-internal-error--operation-not-permitted---credit-voucher) Rules do not honor SF 02 78 57 57 57 57
[RED](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#red---operation-not-allowed-by-rules--rules-do-not-honor--rules-internal-error--operation-not-permitted---credit-voucher) Rules internal error SF *
N0 96 06 96 96
[RED](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#red---operation-not-allowed-by-rules--rules-do-not-honor--rules-internal-error--operation-not-permitted---credit-voucher) Operation not permitted - credit voucher SF 02 59 57 57 57 57
[STD](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#std---denied-by-second-authorizer) Denied by second authorizer Both X N0 96 *
*
96
[TGE](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#tge---card-token-generic-error) Card token generic error SF X *
N0 96 06 96 96
[TNP](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#tnp---token-not-provided) Token not provided SL *
05 05 *
*
*
[TSM](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#tsm---password-tries-exceeded) Password tries exceeded SF X 02 75 75 38 75 38
[UBN](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#ubn---nfc-disabled) NFC disabled SF X *
78 57 57 57 78
[VEV](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#vev---expired-virtual-card) Expired virtual card SF X 02 54 54 54 54 54
[VNM](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#vnm---expired-card) Expired card SF X 02 54 54 54 54 54
[ZBA](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#zba---zero-balance-client-webhook-returns-401-status-code-unauthorized) Zero balance API returns 401 status code, unauthorized SF X *
N0 96 06 96 96
[ZBD](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions-copy#zbd---zero-balance-client-declined) Zero balance client declined SF X *
CD CD CD CD CD
[ZBE](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#zbe---zero-balance-client-webhook-returns-general-error) Zero balance API returns general errors SF X *
N0 96 06 96 96
[ZBF](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#zbf---zero-balance-client-webhook-returns-403-status-code-forbidden) Zero balance client webhook returns 403 status code, forbidden SF X *
N0 96 06 96 96
[ZBP](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#zbp---partial-authorization-response-invalid-in-zero-balance-flow) Partial authorization response invalid in Zero balance purchases SF X *
N0 96 06 96 96
[ZBT](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#zbt---zero-balance-client-webhook-throws-timeout-exception) Zero balance API exceed time allowed. Timeout exception. SF X *
N0 96 06 96 96
[ZBU](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#zbu---unavailable-endpoint-zero-balance-client-webhook-returns-503-status-code) 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](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#card-status-validation) CANCELED or CLIENTORDER Stateful X 03 46 62 57 62 46
[BNF](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#card-status-validation) FRAUD Stateful X 03 07 04 57 04 57
[BNI](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#card-status-validation) INOPERATIVE Stateful X 02 14 57 57 57 14
[BNM](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#card-status-validation) DAMAGED Stateful X 03 5C 57 56 57 57
[BNP](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#card-status-validation) LOST Stateful X 03 41 41 41 41 41
[BNR](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#card-status-validation) ROBBED or THEFT Stateful X 03 43 43 43 43 43
[BNU](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#card-status-validation) UNRECEIVED Stateful X 03 41 41 41 57 14
[BNW](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#card-status-validation) WARNING Stateful X 02 59 63 57 57 62
[CPE](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#card-status-validation) PENDING Stateful X *
14 57 56 57 62
[CSU](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#card-status-validation) CARD UNKNOWN Stateful X 03 14 57 56 57 14
[FRB](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#card-status-validation) CREATED Stateful X 02 78 57 57 57 78
[UBT](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#card-status-validation) BLOCKED Stateful X 02 78 57 76 57 78
[VED](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#card-status-validation) 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 02 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](https://developers.pismo.io/pismo-docs/docs/validation-code-definitions#z30---token-found-but-does-not-match-card) Token was found but does not match with card Stateful X *
5C 57 57 57 12