| 00 | Approve |
| 01 | Refer to card issuer |
| 02 | Refer to card issuer's spectial conditions |
| 03 | Invalid merchant |
| 04 | Pick-up |
| 05 | Do not honour |
| 06 | Error |
| 07 | Pick-up, special condition |
| 08 | Honour with identification |
| 09 | Request in progress |
| 10 | Approve for partial amount |
| 11 | Approve [VIP] |
| 12 | Invalid transaction |
| 13 | Invalid amount |
| 14 | Invalid card number |
| 15 | No such issuer |
| 16 | Approve, update track 3 |
| 17 | Customer cancellation |
| 18 | Customer dispute |
| 19 | Re-enter transaction |
| 20 | Invalid response |
| 21 | No action taken (unable to back out prior transaction) |
| 22 | Suspected malfunction |
| 23 | Unacceptable transaction fee |
| 24 | File update not supported by receiver |
| 25 | Unable to locate record on file/Terminal Inactive |
| 26 | Duplicate file update |
| 27 | File update field edit error |
| 28 | File update file locked out |
| 29 | File update not successful, contact acquirer |
| 30 | Format error |
| 31 | Bank not support by switch |
| 32 | Completed partially |
| 33 | Expired card |
| 34 | Suspected fraud |
| 35 | Card Acceptor contact acquirer |
| 36 | Restricted card |
| 37 | Card Acceptor contact acquirer security |
| 38 | Allowable PIN |
| 39 | No credit account |
| 40 | Requested function not support |
| 41 | Lost card |
| 42 | No universal accont |
| 43 | Stolen card |
| 44 | No investment account |
| 51 | Decline/Insufficient fund |
| 52 | No chequing account |
| 53 | No savings account |
| 54 | Expired card |
| 55 | Incorrect PIN |
| 56 | No card record |
| 57 | Transaction not permitted to cardholder |
| 58 | Transaction not permitted to terminal |
| 59 | Suspected fraud |
| 60 | Card acceptor contact acquirer |
| 61 | Exceeds withdrawal amount limit |
| 62 | Restricted card |
| 63 | Security violation |
| 64 | Original amount incorrect |
| 65 | Exceeds withdrawal frequency limit |
| 66 | Card acceptor call acquirer's security department |
| 67 | Hard capture (requires that card be picked up at ATM) |
| 68 | Response received too late |
| 75 | Allowable number of PIN tries exceeded |
| 76 | Unable to locate previous message (no match on retrieval reference number) |
| 77 | Previous message located for a repeat or reversal, but repeat or reversal data are inconsistent with original message |
| 78 | ’Blocked, first used’—The transaction is from a new cardholder, and the card has not been properly unblocked. |
| 80 | Bad Batch number |
| 81 | PIN cryptographic error found (error found by VIC security module during PIN decryption) |
| 82 | Negative CAM, dCVV, iCVV, or CVV results |
| 83 | Unable to verify PIN |
| 85 | No reason to decline a request for account number verification, address verification, CVV2 verification; or a credit voucher or merchandise return |
| 89 | Bad Terminal |
| 91 | Host error |
| 92 | Destination cannot be found for routing |
| 93 | Transaction cannot be completed, violation of law |
| 94 | Seqence error / Duplicate transmission |
| 95 | Reconcile error / Amount not agree |
| 96 | Invalid message / System malfunction, System malfunction or certain field error conditions |
| 99 | No promotion |