Request and Response Codes

Request & Response Codes

Product ID (cardProductId)

Code Description Code Description
A Visa Traditional M MasterCard
AX American Express N Visa Platinum
B Visa Traditional Rewards N1 Visa Rewards
C Visa Signature N2 Visa Select
D Visa Signature Preferred P Visa Gold
DI Discover Q Private Label
DN Diners Q1 Private Label Prepaid
E Proprietary ATM Q2 Private Label Basic
F Visa Classic Q3 Private Label Standard
G Visa Business Q4 Private Label Enhanced
G1 Visa Signature Business Q5 Private Label Specialized
G2 Visa Business Check Card Q6 Private Label Premium
G3 Visa Business Enhanced R Proprietary
G4 Visa Infinite Business S Visa Purchasing
G5 Visa Business Rewards S1 Visa Purchasing with Fleet
I Visa Infinite S2 Visa Government Purchasing
I1 Visa Infinite Privilege S3 Visa Government Purchasing with Fleet
I2 Visa UHNW S4 Visa Commercial Agriculture
J3 Visa Healthcare S5 Visa Commercial Transport
JC JCB S6 Visa Commercial Marketplace
K Visa Corporate T&E U Visa Travel Money
K1 Visa Government Corporate T&E V Visa V PAY
L Visa Electron

Product Sub-Type (cardProductSubtype)

Code Description Code Description
AC Agriculture Maintenance Account LP Visa Large Purchase Advantage
AE Agriculture Debit Account/Electron MA Visa Mobile Agent
AG Agriculture MB Interoperable Mobile Branchless Banking
AI Agriculture Investment Loan MG Visa Mobile General
CG Brazil Cargo VA Visa Vale - Supermarket
CS Construction VF Visa Vale - Fuel
DS Distribution VR Visa Vale - Restaurant
HC Healthcare

Card Type (cardTypeCode)

Code Description Code Description
C Credit P Prepaid
D Debit R Deferred Debit
H Charge Card

Card Sub-Type

Code Description Code Description
N Non-Reloadable R Reloadable

ISO Country Codes
Country/Territory Name ISO Alpha Country (2-char.) Code ISO Alpha Country (3-char.) Code ISO Numeric Country Code
Afghanistan AF AFG 004
Albania AL ALB 008
Algeria DZ DZA 012
American Samoa AS ASM 016
Andorra AD AND 020
Angola AO AGO 024
Anguilla AI AIA 660
Antarctica AQ ATA 010
Antigua and Barbuda AG ATG 028
Argentina AR ARG 032
Armenia AM ARM 051
Aruba AW ABW 533
Australia AU AUS 036
Austria AT AUT 040
Azerbaijan AZ AZE 031
Bahamas (the) BS BHS 044
Bahrain BH BHR 048
Bangladesh BD BGD 050
Barbados BB BRB 052
Belarus BY BLR 112
Belgium BE BEL 056
Belize BZ BLZ 084
Benin BJ BEN 204
Bermuda BM BMU 060
Bhutan BT BTN 064
Bolivia (Plurinational State of) BO BOL 068
Bonaire, Sint Eustatius and Saba BQ BES 535
Bosnia and Herzegovina BA BIH 070
Botswana BW BWA 072
Bouvet Island BV BVT 074
Brazil BR BRA 076
British Indian Ocean Territory (the) IO IOT 086
Virgin Islands (British) VG VGB 092
Brunei Darussalam BN BRN 096
Bulgaria BG BGR 100
Burkina Faso BF BFA 854
Burundi BI BDI 108
Cambodia KH KHM 116
Cameroon CM CMR 120
Canada CA CAN 124
Cabo Verde CV CPV 132
Cayman Islands (the) KY CYM 136
Central African Republic (the) CF CAF 140
Chad TD TCD 148
Chile CL CHL 152
Christmas Island CX CXR 162
Cocos (Keeling) Islands (the) CC CCK 166
Colombia CO COL 170
Comoros (the) KM COM 174
Congo (the) CG COG 178
Cook Islands (the) CK COK 184
Costa Rica CR CRI 188
Côte d'Ivoire CI CIV 384
Croatia HR HRV 191
Cuba CU CUB 192
Curaçao CW CUW 531
Cyprus CY CYP 196
Czechia CZ CZE 203
Congo (the Democratic Republic of the) CD COD 180
Denmark DK DNK 208
Djibouti DJ DJI 262
Dominica DM DMA 212
Dominican Republic (the) DO DOM 214
Ecuador EC ECU 218
Egypt EG EGY 818
El Salvador SV SLV 222
Equatorial Guinea GQ GNQ 226
Eritrea ER ERI 232
Estonia EE EST 233
Ethiopia ET ETH 231
European Union n/a n/a n/a
Faroe Islands (the) FO FRO 234
Falkland Islands (the) [Malvinas] FK FLK 238
Fiji FJ FJI 242
Finland FI FIN 246
France FR FRA 250
French Guiana GF GUF 254
French Polynesia PF PYF 258
French Southern Territory (the) TF ATF 260
Gabon GA GAB 266
Gambia (the) GM GMB 270
Georgia GE GEO 268
Germany DE DEU 276
Ghana GH GHA 288
Gibraltar GI GIB 292
Greece GR GRC 300
Greenland GL GRL 304
Grenada GD GRD 308
Guadeloupe GP GLP 312
Guam GU GUM 316
Guatemala GT GTM 320
Guinea GN GIN 324
Guinea-Bissau GW GNB 624
Guyana GY GUY 328
Haiti HT HTI 332
Heard Island and McDonald Islands HM HMD 334
Holy See (the) VA VAT 336
Honduras HN HND 340
Hong Kong HK HKG 344
Hungary HU HUN 348
Iceland IS ISL 352
India IN IND 356
Indonesia ID IDN 360
Iran (Islamic Republic of) IR IRN 364
Iraq IQ IRQ 368
Ireland IE IRL 372
Israel IL ISR 376
Italy IT ITA 380
Jamaica JM JAM 388
Japan JP JPN 392
Jordan JO JOR 400
Kazakhstan KZ KAZ 398
Kenya KE KEN 404
Kiribati KI KIR 296
Korea (the Democratic People's Republic of) KP PRK 408
Korea (the Republic of) KR KOR 410
Kuwait KW KWT 414
Kyrgyzstan KG KGZ 417
Lao People's Democratic Republic (the) LA LAO 418
Latvia LV LVA 428
Lebanon LB LBN 422
Lesotho LS LSO 426
Liberia LR LBR 430
Libya LY LBY 434
Liechtenstein LI LIE 438
Lithuania LT LTU 440
Luxembourg LU LUX 442
Macao MO MAC 446
North Macedonia MK MKD 807
Madagascar MG MDG 450
Mainland China CN CHN 156
Malawi MW MWI 454
Malaysia MY MYS 458
Maldives MV MDV 462
Mali ML MLI 466
Malta MT MLT 470
Marshall Islands (the) MH MHL 584
Martinique MQ MTQ 474
Mauritania1 MR MRT 478
Mauritius MU MUS 480
Mayotte YT MYT 175
Mexico MX MEX 484
Micronesia (Federated States of) FM FSM 583
Moldova (the Republic of) MD MDA 498
Monaco MC MCO 492
Mongolia MN MNG 496
Montenegro ME MNE 499
Montserrat MS MSR 500
Morocco MA MAR 504
Mozambique MZ MOZ 508
Myanmar MM MMR 104
Namibia NA NAM 516
Nauru NR NRU 520
Nepal NP NPL 524
Netherlands (the) NL NLD 528
New Caledonia NC NCL 540
New Zealand NZ NZL 554
Nicaragua NI NIC 558
Niger (the) NE NER 562
Nigeria NG NGA 566
Niue NU NIU 570
Norfolk Island NF NFK 574
Northern Mariana Islands (the) MP MNP 580
Norway NO NOR 578
Oman OM OMN 512
Pakistan PK PAK 586
Palau PW PLW 585
Palestine, State of PS PSE 275
Panama PA PAN 591
Papua New Guinea PG PNG 598
Paraguay PY PRY 600
Peru PE PER 604
Philippines (the) PH PHL 608
Pitcairn PN PCN 612
Poland PL POL 616
Portugal PT PRT 620
Puerto Rico PR PRI 630
Qatar QA QAT 634
Réunion RE REU 638
Romania RO ROU 642
Russian Federation (the) RU RUS 643
Rwanda RW RWA 646
Samoa WS WSM 882
San Marino SM SMR 674
Sao Tome and Principe1 ST STP 678
Saudi Arabia SA SAU 682
Senegal SN SEN 686
Serbia RS SRB 688
Seychelles SC SYC 690
Sierra Leone SL SLE 694
Singapore SG SGP 702
Sint Maarten (Dutch part) SX SXM 534
Slovakia SK SVK 703
Slovenia SI SVN 705
Solomon Islands SB SLB 090
Somalia SO SOM 706
South Africa ZA ZAF 710
South Georgia and the South Sandwich Islands GS SGS 239
South Sudan SS SSD 728
Spain ES ESP 724
Sri Lanka LK LKA 144
Saint Helena, Ascension and Tristan da Cunha SH SHN 654
Saint Kitts and Nevis KN KNA 659
Saint Lucia LC LCA 662
Saint Martin (French part) MF MAF 663
Saint Pierre and Miquelon PM SPM 666
Saint Vincent and the Grenadines VC VCT 670
Sudan (the) SD SDN 729
Suriname SR SUR 740
Svalbard and Jan Mayen SJ SJM 744
Eswatini SZ SWZ 748
Sweden SE SWE 752
Switzerland CH CHE 756
Syrian Arab Republic (the) SY SYR 760
Taiwan TW TWN 158
Tajikistan TJ TJK 762
Tanzania, the United Republic of TZ TZA 834
Thailand TH THA 764
Timor-Leste TL TLS 626
Togo TG TGO 768
Tokelau TK TKL 772
Tonga TO TON 776
Trinidad and Tobago TT TTO 780
Tunisia TN TUN 788
Turkey TR TUR 792
Turkmenistan TM TKM 795
Turks and Caicos Islands (the) TC TCA 796
Tuvalu TV TUV 798
Uganda UG UGA 800
Ukraine UA UKR 804
United Arab Emirates (the) AE ARE 784
United Kingdom of Great Britain and Northern Ireland (the) GB GBR 826
United Nations Interim Administration Mission in Kosovo XK XKX
United States of America (the) US USA 840
United States Minor Outlying Islands (the) UM UMI 581
Virgin Islands (U.S.) VI VIR 850
Uruguay UY URY 858
Uzbekistan UZ UZB 860
Vanuatu VU VUT 548
Venezuela (Bolivarian Republic of) VE VEN 862
Viet Nam VN VNM 704
Wallis and Futuna WF WLF 876
Western Sahara EH ESH 732
Yemen YE YEM 887
Zambia2 ZM ZMB 894
Zimbabwe 5 ZW ZWE 716

Benchmark Currency Codes
Currency Alphabetic Code Numeric Code
Euro EUR 978
US Dollar USD 840
Australian Dollar AUD 036
Indian Rupee INR 356
Norwegian Krone NOK 578
Brazilian Real BRL 986
Bulgarian Lev EUR 978
Canadian Dollar CAD 124
Yuan Renminbi CNY 156
New Zealand Dollar NZD 554
Kuna HRK 191
Czech Koruna CZK 203
Danish Krone DKK 208
Pound Sterling GBP 826
Hong Kong Dollar HKD 344
Forint HUF 348
Iceland Krona ISK 352
Rupiah IDR 360
New Israeli Sheqel ILS 376
Yen JPY 392
Won KRW 410
Rand ZAR 710
Swiss Franc CHF 756
Malaysian Ringgit MYR 458
Mexican Peso MXN 484
Philippine Peso PHP 608
Zloty PLN 985
Romanian Leu RON 946
Russian Ruble RUB 643
Singapore Dollar SGD 702
Swedish Krona SEK 752
Baht THB 764
Turkish Lira TRY 949

Currency Codes
Country/Territory Name ISO Currency Name ISO Alpha Currency Code ISO Numeric Currency Code
Afghanistan Afghani AFN 971
Albania Lek ALL 008
Algeria Algerian Dinar DZD 012
American Samoa U.S. DollarS USD 840
Andorra EuroS EUR 978
Angola Kwanza AOA 973
Anguilla E. Caribbean Dollar XCD 951
Antarctica No Universal Currency N/A N/A
Antigua and Barbuda E. Caribbean Dollar XCD 951
Argentina Argentine Peso ARS 032
Armenia Armenian Dram AMD 051
Aruba Aruban Guilder AWG 533
Australia Australian DollarS AUD 036
Austria EuroS EUR 978
Azerbaijan Azerbaijan Manat AZN 944
Bahamas (the) Bahamian Dollar BSD 044
Bahrain Bahraini Dinar BHD 048
Bangladesh Taka BDT 050
Barbados Barbados Dollar BBD 052
Belarus Belarussian Ruble BYN 933
Belgium EuroS EUR 978
Belize Belize Dollar BZD 084
Benin CFA Franc BCEAO XOF 952
Bermuda Bermudian Dollar BMD 060
Bhutan Bhutan Ngultrum BTN 064
Indian RupeeS INR 356
Bolivia (Plurinational State of) Boliviano BOB 068
Bonaire, Sint Eustatius and Saba U.S. DollarS USD 840
Bosnia and Herzegovina Convertible Mark BAM 977
Botswana Pula BWP 072
Bouvet Island Norwegian KroneS NOK 578
Brazil Brazilian RealS BRL 986
British Indian Ocean Territory (the) U.S. DollarS USD 840
Virgin Islands (British) U.S. DollarS USD 840
Brunei Darussalam Brunei Dollar BND 096
Bulgaria EuroS EUR 978
Burkina Faso CFA Franc BCEAO XOF 952
Burundi Burundi Franc BIF 108
Cambodia Riel KHR 116
Cameroon CFA Franc BEAC XAF 950
Canada Canadian DollarS CAD 124
Cabo Verde Cape Verde Escudo CVE 132
Cayman Islands (the) Cayman Islands Dollar KYD 136
Central African Republic (the) CFA Franc BEAC XAF 950
Chad CFA Franc BEAC XAF 950
Chile Chilean Peso CLP 152
Christmas Island Australian DollarS AUD 036
Cocos (Keeling) Islands (the) Australian DollarS AUD 036
Colombia Colombian Peso COP 170
Comoros (the) Comoro Franc KMF 174
Congo (the) CFA Franc BEAC XAF 950
Cook Islands (the) New Zealand DollarS NZD 554
Costa Rica Costa Rican Colon CRC 188
Côte d'Ivoire CFA Franc BCEAO XOF 952
Croatia Euro Euro3 978
Cuba Cuban Peso CUP 192
Curaçao Caribbean Guilder XCG 532
Cyprus EuroS EUR 978
Czechia Czech KorunaS CZK 203
Congo (the Democratic Republic of the) Franc Congolais (formerly New Zaire) CDF 976
Denmark Danish KroneS DKK 208
Djibouti Djibouti Franc DJF 262
Dominica E. Caribbean Dollar XCD 951
Dominican Republic (the) Dominican Peso DOP 214
Ecuador U.S. DollarS USD 840
Egypt Egyptian Pound EGP 818
El Salvador U.S. DollarS USD 840
Equatorial Guinea CFA Franc BEAC XAF 950
Eritrea Eritean Nakfa ERN 232
Estonia EuroS EUR 978
Ethiopia Ethiopian Birr ETB 230
European Union EuroS EUR 978
Faroe Islands (the) Danish KroneS DKK 208
Falkland Islands (the) [Malvinas] Falkland Islands Pound FKP 238
Fiji Fiji Dollar FJD 242
Finland EuroS EUR 978
France EuroS EUR 978
French Guiana EuroS EUR 978
French Polynesia CFP Franc XPF 953
French Southern Territory (the) EuroS EUR 978
Gabon CFA Franc BEAC XAF 950
Gambia (the) Dalasi GMD 270
Georgia Lari GEL 981
Germany EuroS EUR 978
Ghana Cedi GHS 936
Gibraltar Gibraltar Pound GIP 292
Greece EuroS EUR 978
Greenland Danish KroneS DKK 208
Grenada E. Caribbean Dollar XCD 951
Guadeloupe EuroS EUR 978
Guam U.S. DollarS USD 840
Guatemala Quetzal GTQ 320
Guinea Guinea Franc GNF 324
Guinea-Bissau Guinea-Bissau Peso GWP 624
Guyana Guyana Dollar GYD 328
Haiti Gourde HTG 332
Heard Island and McDonald Islands Australian DollarS AUD 036
Holy See (the) EuroS EUR 978
Honduras Lempira HNL 340
Hong Kong Hong Kong DollarS HKD 344
Hungary ForintS HUF 348
Iceland Iceland Krona ISK 352
India Indian RupeeS INR 356
Indonesia Rupiah IDR 360
Iran (Islamic Republic of) Iranian Rial IRR 364
Iraq Iraqi Dinar IQD 368
Ireland EuroS EUR 978
Israel New Israeli ShequelS ILS 376
Italy EuroS EUR 978
Jamaica Jamaican Dollar JMD 388
Japan YenS JPY 392
Jordan Jordanian Dinar JOD 400
Kazakhstan Tenge KZT 398
Kenya Kenyan Shilling KES 404
Kiribati Australian DollarS AUD 036
Korea (the Democratic People's Republic of) North Korean Won KPW 408
Korea (the Republic of) Won KRW 410
Kuwait Kuwaiti Dinar KWD 414
Kyrgyzstan Som KGS 417
Lao People's Democratic Republic (the) Kip LAK 418
Latvia EuroS EUR 978
Lebanon Lebanese Pound LBP 422
Lesotho Lesotho Loti LSL 426
RandS ZAR 710
Liberia Liberian Dollar LRD 430
Libya Libyan Dinar LYD 434
Liechtenstein Swiss FrancS CHF 756
Lithuania EuroS EUR 978
Luxembourg EuroS EUR 978
Macao Pataca MOP 446
North Macedonia Denar MKD 807
Madagascar Malagasy Ariary MGA 969
Mainland China Yuan Renminbi CNY 156
Malawi Malawi Kwacha MWK 454
Malaysia Malaysian RinggitS MYR 458
Maldives Rufiyaa MVR 462
Mali CFA Franc BCEAO XOF 952
Malta EuroS EUR 978
Marshall Islands (the) U.S. DollarS USD 840
Martinique EuroS EUR 978
Mauritania1 Ouguiya MRU 929
Mauritius Mauritius Rupee MUR 480
Mayotte EuroS EUR 978
Mexico Mexican PesoS MXN 484
Micronesia (Federated States of) U.S. DollarS USD 840
Moldova (the Republic of) Moldovan Leu MDL 498
Monaco EuroS EUR 978
Mongolia Tugrik MNT 496
Montenegro EuroS EUR 978
Montserrat E. Caribbean Dollar XCD 951
Morocco Moroccan Dirham MAD 504
Mozambique Mozambique Metical MZN 943
Myanmar Kyat MMK 104
Namibia Namibia Dollar NAD 516
RandS ZAR 710
Nauru Australian DollarS AUD 036
Nepal Nepalese Rupee NPR 524
Netherlands (the) EuroS EUR 978
New Caledonia CFP Franc XPF 953
New Zealand New Zealand DollarS NZD 554
Nicaragua Cordoba Oro NIO 558
Niger (the) CFA Franc BCEAO XOF 952
Nigeria Naira NGN 566
Niue New Zealand DollarS NZD 554
Norfolk Island Australian DollarS AUD 036
Northern Mariana Islands (the) U.S. DollarS USD 840
Norway Norwegian KroneS NOK 578
Oman Rial Omani OMR 512
Pakistan Pakistan Rupee PKR 586
Palau U.S. DollarS USD 840
Palestine, State of U.S. DollarS USD 840
Panama Balboa PAB 590
Papua New Guinea Kina PGK 598
Paraguay Guarani PYG 600
Peru Sol PEN 604
Philippines (the) Philippine Peso PHP 608
Pitcairn New Zealand DollarS NZD 554
Poland ZlotyS PLN 985
Portugal EuroS EUR 978
Puerto Rico U.S. DollarS USD 840
Qatar Qatari Rial QAR 634
Réunion EuroS EUR 978
Romania LeuS RON 946
Russian Federation (the) Russian RubleS RUB 643
Rwanda Rwanda Franc RWF 646
Samoa Tala WST 882
San Marino EuroS EUR 978
Sao Tome and Principe1 Dobra STN 930
Saudi Arabia Saudi RiyalS SAR 682
Senegal CFA Franc BCEAO XOF 952
Serbia Serbian Dinar RSD 941
Seychelles Seychelles Rupee SCR 690
Sierra Leone Leone SLL4 694
Leone SLE 925
Singapore Singapore DollarS SGD 702
Sint Maarten (Dutch part) Caribbean Guilder XCG 532
Slovakia EuroS EUR 978
Slovenia EuroS EUR 978
Solomon Islands Solomon Islands Dollar SBD 090
Somalia Somali Shilling SOS 706
South Africa RandS ZAR 710
South Georgia and the South Sandwich Islands Pound SterlingS GBP 826
South Sudan South Sudanese Pound SSP 728
Spain EuroS EUR 978
Sri Lanka Sri Lanka Rupee LKR 144
Saint Helena, Ascension and Tristan da Cunha St. Helena Pound SHP 654
Saint Kitts and Nevis E. Caribbean Dollar XCD 951
Saint Lucia E. Caribbean Dollar XCD 951
Saint Martin (French part) EuroS EUR 978
Saint Pierre and Miquelon EuroS EUR 978
Saint Vincent and the Grenadines E. Caribbean Dollar XCD 951
Sudan (the) Sudanese Pound SDG 938
Suriname Surinam Dollar SRD 968
Svalbard and Jan Mayen Norwegian KroneS NOK 578
Eswatini Lilangeni SZL 748
Sweden Swedish KronaS SEK 752
Switzerland Swiss FrancS CHF 756
Syrian Arab Republic (the) Syrian Pound SYP 760
Taiwan New Taiwan Dollar TWD 901
Tajikistan Somoni TJS 972
Tanzania, the United Republic of Tanzanian Shilling TZS 834
Thailand BahtS THB 764
Timor-Leste U.S. DollarS USD 840
Togo CFA Franc BCEAO XOF 952
Tokelau New Zealand DollarS NZD 554
Tonga Pa'anga TOP 776
Trinidad and Tobago Trinidad and Tobago Dollar TTD 780
Tunisia Tunisian Dinar TND 788
Turkey Turkish LiraS TRY 949
Turkmenistan Manat TMT 934
Turks and Caicos Islands (the) U.S. DollarS USD 840
Tuvalu Australian DollarS AUD 036
Uganda Uganda Shilling UGX 800
Ukraine Ukrainian Hryvnia UAH 980
United Arab Emirates (the) U.A.E. DirhamS AED 784
United Kingdom of Great Britain and Northern Ireland (the) Pound SterlingS GBP 826
United Nations Interim Administration Mission in Kosovo EuroS EUR 978
United States of America (the) U.S. DollarS USD 840
United States Minor Outlying Islands (the) U.S. DollarS USD 840
Virgin Islands (U.S.) U.S. DollarS USD 840
Uruguay Peso Uruguayo UYU 858
Uzbekistan Uzbekistan Sum UZS 860
Vanuatu Vatu VUV 548
Venezuela (Bolivarian Republic of) Sovereign Bolivar VES 928
Viet Nam Dong VND 704
Wallis and Futuna CFP Franc XPF 953
Western Sahara Moroccan Dirham MAD 504
Yemen Yemeni Rial YER 886
Zambia2 Zambian Kwacha ZMW 967
Zimbabwe 5 Zimbabwe Gold ZWG 924

Not all ISO 3166–1 codes are supported by Visa. A superscript S following the currency name indicates that it is a settlement currency.

1 ISO Alpha Currency Code MRO and ISO Numeric Currency Code 478 is allowed until 30 June 2018 for originals. It is allowed until 28 February 2019 for exceptions.

2 Currency code 894 was allowed until 30 June 2013 for originals. It was allowed until 31 Dec 2013 for exceptions.

3 After 31 December 2022, Euro acts as the default currency for Croatia. Visa no longer accepts authorization requests with currency code of Croatian Kuna ( HRK/ 191) for original transactions.

4 Currency code 694 for Sierra Leone ( SLL/ 694) is allowed until 30 September 2022 for originals. Exception items with currency code SLL/ 694 must be submitted with SLL/ 694 as source currency.

5 Zimbabwe Gold ( ZWG/ 924) replaces Zimbabwe Dollar ( ZWL/ 932) as the new currency code for Zimbabwe from September 01, 2024.

Action Code (actionCode)  - UPDATED
Code Description
00 Approved and completed successfully
01 Refer to card issuer
02 Refer to card issuer, special condition
03 Invalid merchant
04 Pick up card (no fraud)
05 Do not honor
06 Error
07 Pick up card, special condition (fraud account)
10 Partial approval
11 Approved (V.I.P)
12 Invalid transaction
13 Invalid amount or currency conversion field overflow
14 Invalid account number (no such number)
15 No such issuer
19 Re-enter transaction
21 No action taken
25 Unable to locate record in file
28 File temporarily not available for update or inquiry
39 No credit account
41 Lost card, pick up (fraud account)
43 Stolen card, pick up (fraud account)
46 Closed account
51 Not sufficient funds
52 No checking account
53 No savings account
54 Expired card or expiration date is missing
55 Incorrect PIN or PIN missing
57 Transaction not permitted to cardholder
58 Transaction not allowed at terminal
59 Suspected fraud
61 Exceeds approval amount limit
62 Restricted card (card invalid in this region or country)
63 Security violation (source is not correct issuer)
64 Transaction does not fulfill AML requirement
65 Exceeds withdrawal frequency limit
70 PIN data required
74 Different value than that used for PIN encryption errors
75 Allowable number of PIN entry tries exceeded
76 Unsolicited reversal
78 “Blocked, first used”—Transaction from new cardholder, and card not properly unblocked
79 Already reversed (by Switch)
80 No financial impact
81 Cryptographic error found in PIN
82 Negative CAM, dCVV, iCVV, or CVV results
85 No reason to decline a request for address verification, CVV2 verification, or a credit voucher or merchandise return
86 Cannot verify PIN; for example, no PVV
89 Ineligible to receive financial position information (GIV)
91 Issuer or switch inoperative and STIP not applicable or not available for this transaction; Time-out when no stand-in; POS Check Service: Destination unavailable; Credit Voucher and Merchandise Return Authorizations: V.I.P. sent the transaction to the issuer, but the issuer was unavailable.
92 Financial institution or intermediate network facility cannot be found for routing (receiving institution ID is invalid)
93 Transaction cannot be completed - violation of law
94 Request is identified as a duplicate
96 System malfunction
1A Additional customer authentication required
6P Verification data failed
B1 Surcharge amount not permitted on Visa cards or EBT food stamps (U.S. acquirers only)
B2 Surcharge amount not supported by debit network issuer.
N0 Force STIP
N3 Cash service not available
N4 Cash request exceeds issuer or approved limit
N5 Ineligible for resubmission
N7 Decline for CVV2 failure
N8 Transaction amount exceeds preauthorized approval amount
P5 Denied PIN unblock—PIN change or unblock request declined by issuer
P6 Denied PIN change—requested PIN unsafe
Q1 Card Authentication failed
R0 Stop this Payment
R1 Stop all future Payments
R2 Transaction does not qualify for Visa PIN
R3 Stop all Merchants
Z3 Unable to go online; offline-declined
5C Transaction not supported/blocked by issuer
9G Blocked by cardholder/contact cardholder

Point Of Service Data (PointOfServiceData)
Type PanEntryMode PosConditionCode MotoECIIndicator
CardNotPresent 01 59 / 08 5 - 7
10 59 / 08 5 - 7
07 00 / 02 7
91 00 / 02
96 59
00 00 / 51
01 / 10 51
01 / 05 / 90 00
01 / 05 / 90 06
CardPresent 01 59 / 08 5 - 7
02 00
90 00 / 02 0
95 00 / 08 / 59
05 00 / 02
00 00 / 51
96 59

Address Verification Results (addressVerificationResults) - Updated 01JUN2023
Code Description
Y Full Match
A Partial Match (street address only)
Z Partial Match (postal/zip only)
N Non-Match
U Unable to Verify
R Indeterminate Outcome (Retry)

Address Verification Results (addressVerificationResults) - Old
Code Description Code Description
A The street addresses match but the postal/ZIP codes do not, or the request does not include the postal/ZIP code. P Postal/ZIP codes match. Acquirer sent both postal/ZIP code and street address, but street address not verified due to incompatible formats.
B Street addresses match, but postal/ZIP code not verified due to incompatible formats. (Acquirer sent both street address and postal/ZIP code) R Retry: System unavailable or timed out. Issuer ordinarily performs address verification but was unavailable. V.I.P. uses code R when issuers are unavailable. Issuers should refrain from using this code.
C Street address and postal/ZIP code not verified due to incompatible formats. (Acquirer sent both street address and postal/ZIP code.) S Not applicable. If present, V.I.P. replaces it with U or with G.
D Street addresses and postal/ZIP codes match. U Address not verified for domestic transaction. Address not verified for international transaction. Issuer is not an AVS participant, or AVS data was present in the request but issuer did not return an AVS result, or V.I.P. performed address verification on behalf of the issuer and there was no address record on file for this account.
F Street addresses and postal codes match. Applies to U.K.-domestic transactions only. W Not applicable. If present, V.I.P. replaces it with Z. Available for U.S. issuers only.
G Address not verified for international transaction. Issuer is not an Address Verification Service (AVS) participant, or AVS data was present in the request but issuer did not return an AVS result, or V.I.P. performed address verification on behalf of the issuer and there was no address record on file for this account. X Not applicable. If present, V.I.P. replaces it with Y. Available for U.S. issuers only.
I Address information not verified. Y Street address and postal/ZIP match.
M Street addresses and postal/ZIP codes match. Z Postal/ZIP match, street addresses do not match or street address not included in request.
N No match. Acquirer sent postal/ZIP code only, or street address only, or both postal/ZIP and street address.

Card Verification2 Results (cvv2ResultsCode)

Code Description
M CVV2 and dCVV2  Match. Indicates that Visa or the issuer was able to verify the CVV2 and dCVV2 value provided by the merchant and it matched.
N CVV2 and dCVV2 No Match. Indicates that Visa or the issuer was able to verify the CVV2 and dCVV2 value provided by the merchant and it did not match.
P Not Performed. Indicates that Visa or the issuer participates in the CVV2 and dCVV2 service but did not perform CVV2 and dCVV2 verification due to system settings, because the transaction was declined, or because stand-in processing (STIP) has responded to an issuer-unavailable response.
S System Error (Retry). Indicates that Visa or the issuer could not perform CVV2 and dCVV2 verification because the merchant did not provide the required information (CVV2 value, dCVV2 value, expiry date) in the request.
U Unable to Verify. Indicates that the issuer is not participating in CVV2 and dCVV2 service or has not provided Visa with encryption keys needed to perform verification.

Cardholder Authentication Verification Value (cavvResultCode)

Code Description Code Description
Blank CAVV not present - no verification performed:
Standard e-commerce or non e-commerce transaction
Use standard authorization criteria with Issuer retaining chargeback rights		 7 CAVV failed verification (attempt) – Issuer approves authorization:
U.S.-issued cards ONLY
Issuer or Cardholder does not participate in CAVV verification
Transaction was approved by the Issuer knowing that the authentication data failed verification and was not reliable
Transaction is not eligible for Reason Code 75 (cardholder does not recognize transaction) or 83 (fraud transaction - card absent environment)
0 CAVV authentication results invalid - no verification performed:
CAVV data not properly formatted
Use standard authorization criteria with Issuer retaining chargeback rights		 8 CAVV passed verification (attempt) - Issuer approves authorization:
U.S.-issued cards ONLY
Issuer or Cardholder does not participate in CAVV verification
Use standard authorization criteria with Issuer - not eligible for chargebacks
1 CAVV failed verification (authentication) - Issuer approves authorization:
.Transaction was approved by the Issuer knowing that the authentication data failed verification and was not reliable
Transaction is not eligible for Reason Code 75 or 83		 9 CAVV failed verification (attempt) - Issuer approves authorization:
U.S.-issued cards ONLY
Issuer ACS unavailable - Visa generated CAVV
Transaction was approved by the Issuer knowing that the authentication data failed verification and was not reliable
Transaction is not eligible for Reason Code 75 (cardholder does not recognize transaction) or 83 (fraud transaction - card absent environment)
2 CAVV passed verification (authentication) - Issuer approves authorization:
Use standard authorization criteria
Transaction is not eligible for chargebacks because a valid CAVV indicates that the cardholder authentication was performed		 A CAVV passed verification (attempt) - Issuer approves authorization:
U.S.-issued cards ONLY
Issuer ACS unavailable - Visa generated CAVV
Use standard authorization criteria with Issuer - not eligible for chargebacks
3 CAVV passed verification (attempt) - Issuer approves authorization:
Issuer or Cardholder does not participate in CAVV verification
Transaction is not eligible for chargebacks because a valid CAVV indicates that the merchant did attempt to authenticate the cardholder		 B CAVV passed verification (authentication):
Information only with no liability shift since ECI value and/or card type is excluded
4 CAVV failed verification (attempt) - Issuer approves authorization:
Issuer or Cardholder does not participate in CAVV verification
Transaction was approved by the Issuer knowing that the authentication data failed verification and was not reliable
Transaction is not eligible for Reason Code 75 or 83		 C CAVV was not verification (attempt):
Issuer elected to return CAVV verification results and Field 44.13 blank
Visa generated CAVV - results are valid
5 Not Used - Reserved D CAVV was not verification (authentication):
Issuer elected to return CAVV verification results and Field 44.13 blank
Visa generated CAVV - results are valid
6 CAVV not verified (VisaNet flag for Issuer not selected) - Issuer approves authorization:
VisaNet processes as if CAVV is valid and use standard authorization criteria to avoid adversely impacting cardholders
Transaction is not eligible for chargebacks because a valid CAVV indicates that the merchant did attempt to authenticate the cardholder
Issuer has requested no verification

CVV/iCVV Results Codes

Code Description
(Blank) or not present CVV, iCVV, or dCVV was not verified.
1 CVV, iCVV, dCVV, or Online CAM failed verification.
2 CVV, iCVV, dCVV, or Online CAM passed verification.
3 Transaction passed CVV, Emergency Replacement Card (ERC) service value only, which is used exclusively by the Global Customer Assistance Service (GCAS).

Card Authentication Results

Code Description
(Blank) or not present Online CAM was not performed, or some other situation or problem prevented verification. For example, issuer is not participating in Online CAM, or a system or cryptographic error occurred.
1 The Authorization Request Cryptogram (ARQC) was checked but failed verification.
2 The ARQC was checked and passed verification.

Response Code (Old value) (responseCode)

Code Description
0 Exception file change initiated by Global Customer Assistance Service (GCAS) or Automatic Cardholder Database Update Service (Auto-CDB).
1 Request timed out by switch.
2 Depending on processing system:
PCAS.Transaction amount below issuer limit (), or
PACM.Transaction amount is below sliding dollar limit (P), or in response to a verification request.
4 One or more of the following:
Issuer was not available for processing.
CVV or iCVV invalid and Visa has acted on the negative results.
PVV invalid and Visa has acted on the negative results.
This is the default code when the others listed here do not apply.
5 Response provided by issuer.
C Response provided by STIP for conditions not listed.

Response Code (New value) (responseCode)

Code Description
0 Exception file change initiated by Global Customer Assistance Service (GCAS) or Automatic Cardholder Database Update Service (Auto-CDB).
V Authorization requested by Visanet.

Business Application Identifier (businessApplicationId)

Value Application Type Value Application Type
AA Account to Account CI Cash In
BB Business to Business CO Cash Out
BI Money transfer (bank-initiated) MP Face-to-face Merchant Payment
CP Card Bill Payment MD Merchant Disbursement
FD Funds Disbursement (general) OG Online Gambling Payout
FT Funds Transfer PD Payroll/pension disbursement
GD Government Disbursement PP Person to Person
GP Gambling Payment (other than online gambling) TU Prepaid Reload / Top Up
LO Loyalty and Offers WT Wallet Transfer
BP Non-card Bill Payment PS Payment for goods and services
MI Merchant Initiated OCT for Faster Refund CD Cash Deposit
RP Request-to-Pay Service LA Liquid Assets

NOTE

  1. The BAI value of CI applies to mVisa CashInPushPayment transactions only.
  2. The BAI value of CO applies to mVisa CashOutPushPayment transactions only.
  3. The BAI value of LO applies to original credit transactions only.
  4. The BAI value of MP applies to mVisa MerchantPushPayment transactions only.
  5. The BAI value of WT applies to account funding transactions and original credit transactions.
  6. The BAI value of BI applies to the Unites States(U.S) region only.
  7. The BAI value of CD applies to original credit transactions only.

Fast Funds Indicator (fastFundsIndicator)

Code Description Code Description
B Recipient issuer participates in Fast Funds for all transactions D Recipient issuer participates in Fast Funds for domestic transactions only
C Reserved for future use N Recipient issuer does not participate in Fast Funds

Push Funds Indicator (pushFundsIndicator)

Code Description Code Description
A Does not accept OCTs C Accepts all OCTs
B Accepts Enhanced Format Money Transfer OCTs only N Does not accept OCTs

Note: Basic Format OCTs is deprecated since April 2019, and newer version of the API does not support this value.

Source Of Funds (sourceOfFundsCode)

Code Description
01 Visa credit
02 Visa debit
03 Visa prepaid
04 Cash
05 Debit/deposit access accounts other than those linked to a Visa card (includes checking/savings accounts and proprietary debit/ATM cards)
06 Credit accounts other than those linked to a Visa card (includes credit cards and proprietary credit lines)

Alerts: Supported Time Zones

UTC Offset Time Zone Display Time Zone Standard Name Time Zone Daylight Name
UTC+00:00 Greenwich Mean Time GMT
UTC+01:00 Central European Time CET CEST
UTC+02:00 Eastern European Time EET EEST
UTC+03:00 Further-eastern European Time FET
UTC+03:30 Iran Standard Time IRST
UTC+04:00 Moscow Time MSK
UTC+04:30 Afghanistan Time AFT
UTC+05:00 Pakistan Standard Time PKT
UTC+05:30 Indian Standard Time IST
UTC+05:45 Nepal Time NPT
UTC+06:00 Bangladesh Standard Time BST
UTC+06:30 Myanmar Standard Time MST
UTC+07:00 Thailand Standard Time THA
UTC+08:00 China Standard Time CST
UTC+09:00 Japan Standard Time JST
UTC+09:30 Australian CenTral Standard Time ACST ACDT
UTC+10:00 Australian EasTern Standard Time AEST AEDT
UTC+10:30 Lord Howe Standard Time LHST
UTC+11:00 Solomon Islands Time SBT
UTC+11:30 Norfolk Time NFT
UTC+12:00 New Zealand Standard Time NZST NZDT
UTC+12:45 Chatham Standard Time CHAST CHADT
UTC+13:00 Phoenix Island Time PHOT
UTC+14:00 Line Islands Time LINT
UTC-01:00 Azores Standard Time AZOST
UTC-02:00 South Georgia and The South Sandwich Islands GST
UTC-03:00 Brasilia Time BRT
UTC-03:30 Newfoundland Standard Time NST NDT
UTC-04:00 Atlantic Standard Time AST ADT
UTC-04:30 Venezuelan Standard Time VET
UTC-05:00 Eastern Standard Time (North America) EST EDT
UTC-06:00 Central Time (NorTh America)CST CDT
UTC-07:00 MounTain Standard Time (North America) MST MDT
UTC-08:00 Pacific Standard Time (North America) PST PDT
UTC-09:00 Alaska Standard Time AKST AKDT
UTC-09:30 Marquesas Islands Time MIT
UTC-10:00 Hawaii-Aleutian Standard Time HAST HADT
UTC-11:00 Samoa Standard Time SST
UTC-12:00 Baker Island Time BIT

Alerts: Merchant Category Groups

Merchant Category Groups supplied by Visa indicate the primary type of trade conducted by a merchant, similar in concept to standard industry marketing clusters. MCG isc used By Visa Transaction Alerts to indicate that a transaction comes from a merchant of this type.

Merchant Category Group Description
501 Gambling
502 Liquor Stores
503 Adult Entertainment
504 Bail Bonds
505 Pawn Shops
506 Durable Goods
507 Miscellaneous
508 Fuel
509 Supermarket
510 Health Care
511 Travel
512 Dining
513 Entertainment
514 General Retail
515 Drug Store
516 Electronic Stores
517 Housing
518 Automotive
519 Coffee Stores

Alerts: Service Offerings

Service Offerings are used by Visa Transaction Alerts to describe the conditions that can trigger an alert.

Note: All currency amounts must be greater than or equal to the minimum value established for the portfolio Service offerings are opted in to individual card-contact combinations per customer.

Type Service Offering Offering Properties Occurances Allowed Description
Transactional Balance Key: ThresholdAmount 1 An alert is triggered when a balance inquiry is made.
Value: Numeric value of currency in whole numbers
CardNotPresent Key: ThresholdAmount 1 An alert is triggered when a purchase is made online, by telephone, or by mail order, and for scheduled automatic payments.
Value: Numeric value of currency in whole numbers
Cashback Key: ThresholdAmount 1 An alert is triggered when cash is received along with a purchase.
Value: Numeric value of currency in whole numbers
CashWithdrawal Key: ThresholdAmount 1 An alert is triggered when an ATM cash withdrawal is made.
Value: Numeric value of currency in whole numbers
CrossBorder Key: ThresholdAmount 1 An alert is triggered when a transaction is made outside the country in which the account was issued and may include cash withdrawals.
Value: Numeric value of currency in whole numbers
Declined Key: ThresholdAmount 1 An alert is triggered for transactions that are declined.
Value: Numeric value of currency in whole numbers
Gasoline N/A An alert is triggered when pre-authorizations are processed for point-of-sale purchases at gas pumps.
GenericCredit Key: ThresholdAmount 1 An alert is triggered when a credit is received from a merchant.
Value: Numeric value of currency in whole numbers
MCG Key: MCGCode 1 per MCG An alert is triggered for transactions defined within a category.
Value: Single Code value from the included list of MCG
Key: ThresholdAmount
Value: Numeric value of currency in whole numbers
Threshold Key: ThresholdAmount 1 An alert is triggered when the card is used for a purchase that is greater than a predefined purchase amount.
Value: Numeric value of currency in whole numbers
Aggregate AggregateMCG Key: MCGCode 1 per MCG An alert is triggered by customer-defined pre-set spend aggregation thresholds and set aggregation levels at time-based totals for transactions within a category.
Value: Single Code value from the included list of MCG
Key: DailyAmount
Value: Numeric value of currency in whole numbers
Key: WeeklyAmount
Value: Numeric value of currency in whole numbers
Key: MonthlyAmount
Value: Numeric value of currency in whole numbers
AggregateOOCATM Key: DailyAmount 1 An alert is triggered by customer-defined pre-set spend aggregation thresholds and set aggregation levels at time-based totals for out of country ATM withdrawls.
Value: Numeric value of currency in whole numbers
Key: WeeklyAmount
Value: Numeric value of currency in whole numbers
Key: MonthlyAmount
Value: Numeric value of currency in whole numbers
AggregatePurchase Key: DailyAmount 1 An alert is triggered by customer-defined pre-set spend aggregation thresholds and set aggregation levels at time-based totals.
Value: Numeric value of currency in whole numbers
Key: WeeklyAmount
Value: Numeric value of currency in whole numbers
Key: MonthlyAmount
Value: Numeric value of currency in whole numbers
Suppression DoNotDisturb Key: DoNotDisturbStart 1 Establishes the timespan within a 24 hour period in which the customer does not wish to receive alerts. The alerts are queued until the timespan has elapsed.
Value: Hour and Minute representation in the format HH:MM
Key: DoNotDisturbEnd
Value: Hour and Minute representation in the format HH:MM
SuppressRecurring N/A 1 Suppress alerts for reoccurring or automated transactions.

ISO Codes: Alerts, supported Languages

Country Name Supported Language (Alerts)
British Indian Ocean Territory pt-BR
Cape Verde Island fr-CA
Micronesia Es-MX
United States en-US
United States Minor Outlying Islands en-US
United States Virgin Islands en-US

Network ID and Sharing Group Code

Network Name Network ID Sharing Group Code
Accel/Exchange 0020 E
CU24 0024 C
Interlink 0003 G
Maestro 0016 8
NYCE 0018
0027		 Y
F
Pulse 0009
0017
0019		 S
L
H
Star 0008
0010
0011
0012
0015		 N
W
Z
Q
M
Visa/PLUS 0002 V

Resources

Value Description Accepts Language Parameter
business_segment Visa business segment types
e.g., Consumer, Small Business		 Y
card_payment_type Visa payment types
e.g., Debit, Credit		 Y
card_product Visa cards
e.g., Visa Signature, Visa Platinum		 Y
category Offer classification
e.g., Food & Wine, Travel		 Y
language Available languages for offers
e.g., English, Simplified Chinese		 N
program A collection of offers. Every one belongs to only one program. N
promotion_channel The mediums where the offer may be promoted
e.g., Online		 Y
redemption_channel The mediums where the offer may be redeemed
e.g., In-Store		 Y
region A list of regions (and their corresponding countries) available in VMORC Y (only country)

Business Segments (business_segment)

Code Description
7 Commercial
8 Consumer
39 Small Business

NOTES

  1. Business segments are dynamically managed within VMORC and new values may be added into the system
  2. The business segment response may differ based on offers an issuer may access. For example, if an issuer may only access "Consumer" offers, the other business segment options are not returned in the Reference Data API response.
  3. The business segments above may be a subset of available values and may differ in production and the sandbox

Card Payment Types (card_payment_type)

Code Description
9 Credit
10 Debit
11 Pre-Paid

Notes

  1. Card payment types are dynamically managed within VMORC and new values may be added into the system
  2. The card payment type response may differ based on offers an issuer may access. For example, if an issuer may only access "Credit" offers, the other payment type options are not returned in the Reference Data API response.
  3. The card payment types above may be a subset of available values and may differ in production and the sandbox

Card Product (card_product)

Code Description
15 Visa Platinum
16 Visa Gold
17 Visa Classic
41 Visa Electron
42 Visa Infinite
65 Visa Signature

Notes

  1. Card products are dynamically managed within VMORC and new values may be added into the system
  2. The card product response may differ based on offers an issuer may access. For example, if an issuer may only access "Visa Signature" offers, the other payment type options are not returned in the Reference Data API response.
  3. The card payment types above may be a subset of available values and may differ in production and the sandbox

Category and Subcategory (category and subcategory)

Category Key Category Value Subcategory Key Subcategory Value
94 Food & Wine 95 Dining
94 Food & Wine 96 Wine
18 Travel 25 Car Rentals / Transfers
18 Travel 26 Hotels & Lodging
18 Travel 88 Services
97 Retail 98 Books/Music/Movies

Notes

  1. Categories and subcategories are dynamically managed within VMORC and new values may be added into the system
  2. The category and subcategory response may differ based on offers an issuer may access. For example, if an issuer may only access "Food & Wine" offers, the other category options are not returned in the Reference Data API response. The same case applies to subcategories
  3. The categories and subcategories above may be a subset of available values and may differ in production and the sandbox

Merchant (merchant)

Key Value
100000 Merchant One
100100 Merchant Two
100200 Merchant Three

Notes

  1. Merchants are dynamically managed within VMORC and new values may be added into the system
  2. The merchant response may differ based on offers an issuer may access. For example, if an issuer may only access "Merchant One" offers, the other merchant options are not returned in the Merchant Data API response.
  3. The merchants above are fictitious and may differ in production and the sandbox

Program (program)

Key Value
100001 Program A
100002 Program B
100003 Program C

Notes

  1. Programs are dynamically managed within VMORC and new values may be added into the system
  2. The program response may differ based on offers an issuer may access. For example, if an issuer may only access "Program A" offers, the other program options are not returned in the Reference Data API response.
  3. The program above are fictitious and may differ in production and the sandbox

Promotion Channel (promotion_channel)

Key Value
1 Print
3 Online
5 In Store / Offline

Notes

  1. Promotion channels are dynamically managed within VMORC and new values may be added into the system
  2. The promotion channel response may differ based on offers an issuer may access. For example, if an issuer may only access "Online" offers, the other program options are not returned in the Reference Data API response.
  3. The promotion channels above are a subset of available values and may differ in production and the sandbox

Region (region)

Key Value
1 AP (Asia Pacific)
2 CEMEA (Central Europe Middle East Africa)
3 EU (Europe)
4 LAC (Latin America)
5 USA
6 Canada

Country (country)

Country Key Region Key Country Value
38 6 Canada
44 1 China
58 3 Denmark
175 4 Peru
232 2 United Arab Emirates
234 5 United States of America

Notes

  1. The countries above are subset of available values

Merchant Response Code

Service Identifier/ Merchant Response Code Description API Request Must Include Notes on API Response Recommended Action on API Response
A Account Change New Account Number and Expiration date Merchant data would be returned if both account number and expiration date matched. Display merchant name, or sub-merchant name (if TPA indicator = ‘Y’) and inquiry date. Indicate new account number and expiration date shared with merchant.
E Expiry Date Change Expiry Date Change New Account Number and Expiration date Merchant data would be returned if both account number and expiration date matched. Display merchant name, or sub-merchant name (if TPA indicator = ‘Y’) and inquiry date. Indicate new expiration date shared with merchant.
V Validation - No change in account information New Account Number and Expiration date Merchant data would be returned if both account number and expiration date matched. Display merchant name, or sub-merchant name (if TPA indicator = ‘Y’) and inquiry date. Indicate no updates provided to merchant.
C Closed Account Old Account Number Only Merchant data would be returned based on old account match. Expiration date provided in the API Request would be ignored. Display merchant name, or sub-merchant name (if TPA indicator = ‘Y’) and inquiry date. Indicate no updates provided to merchant, and cardholder should contact merchant to provide card information.
Q Contact Cardholder Old Account Number Only Merchant data would be returned based on old account match. Expiration date provided in the API Request would be ignored. Display merchant name, or sub-merchant name (if TPA indicator = ‘Y’) and inquiry date. Indicate no updates provided to merchant. Cardholder should contact merchant to provide card information.
B (sent to acquirer as ‘N’) Blocked Merchant Old Account Number Only Merchant data would be returned based on old account match. Expiration date provided in the API Request would be ignored. Display merchant name, or sub-merchant name (if TPA indicator = ‘Y’) and inquiry date. Indicate no updates provided to merchant. Cardholder should contact merchant to provide card information.

Card Platform Code

Code Description
BZ Business
CN Consumer
GV Government Notes
TT TEST PLTFRM

Pan Entry Mode Codes
PAN Entry  Mode Code Description
00 Unknown or terminal not used.
01 Manual (key entry).
02 Visa: Magnetic stripe read; CVV checking may not be possible.
PLUS: Track 2 contents read, but transaction not eligible for CVV checking.
03 Optical code.
04 Reserved for future use.
05 Contact integrated circuit card read using VSDC chip data rules; Online CAM
authentication method; iCVV checking possible.
06 Reserved for future use.
07 Contactless device-read-originated using qVSDC chip data rules; Online CAM
authentication method; iCVV checking possible.
10 Credential on file: Merchant initiates transaction for cardholder using credentials
stored on file.
90 Magnetic stripe read and exact content of Track 1 or Track 2 included (CVV check
possible).
91 Contactless device-read-originated using magnetic stripe data rules; dCVV.
checking is possible; Online CAM checking possible for MSD CVN 17 only.
95 Integrated circuit card read; CVV or iCVV checking may not be possible..

POS Condition Codes
POS Condition Code Description
00 Normal transaction of this type.
01 Customer not present.
02 Unattended cardholder-activated environment.
03 Merchant suspicious of transaction (or card).
05 Customer present, card not present.
06 Preauthorized request.
08 Mail, telephone, recurring, advance, or installment order.
11 Suspected fraud.
12 Security.
13 Dispute Response Financial.
17 Dispute Financial.
51 Address/CVV2/account verification without authorization; product eligibility inquiry
without authorization; Master Card POS account status inquiry.
NOTE: Invalid for Crediário eligibility inquiry messages.
52 Reserved for future use.
54 Dispute Financial Reversal.
59 E-commerce request by public network.
71 Card present, magnetic stripe cannot be read (key-entered)—U.S. only.

Moto ECI Indicator Codes
Moto ECI Indicator Code Description
0 Originators can pass this value when the transaction is not a Mail Order/Telephone Order (MOTO).
1 Single transaction of a mail/phone order
2 Recurring transaction
3 Installment payment
4 Unknown classification/Other mail order
5 Secure electronic commerce transaction
6 Non-authenticated security transaction at a 3-D Secure-capable merchant, and merchant attempted to authenticate the cardholder using 3-D Secure
7 Non-authenticated Security Transaction
8 Non-secure transaction

Message Reason Codes
Message Reason Code Description
3901 Resubmission Transaction  – A merchant performs a resubmission in cases where it requested an authorization, but received a decline due to insufficient funds after it has already delivered the goods or services to the cardholder. Merchants in such scenarios can resubmit the request to recover outstanding debt from cardholders.
3902 Delayed Charges Transaction – Delayed charge transaction is performed to process a supplemental account charge after original services have been rendered and respective payment has been processed. Relevant merchant segments are limited to vehicle rental, lodging, cruise lines, and other rentals.
3903 Reauthorization Transaction – A merchant initiates a reauthorization when the completion or fulfillment of the original order or service extends beyond the authorization validity limit set by Visa.
There are two common reauthorization scenarios:
• Split or delayed shipments at eCommerce retailers. A split shipment occurs when not all of the goods ordered are available for shipment at the time of purchase. If the fulfillment of the goods takes place after the authorization validity limit set by Visa, eCommerce merchants perform a separate authorization to ensure that consumer funds are available.
• Extended stay hotels, car rentals, and cruise lines. A reauthorization is used for stays, voyages, and/or rentals that extend beyond the authorization validity period set by Visa.
3904 No Show Transaction – Cardholders can use their Visa cards to make a guaranteed reservation with certain merchant segments. A guaranteed reservation ensures that the reservation will be honored and allows a merchant to perform a no-show transaction to charge the cardholder a penalty according to the merchant’s cancellation policy.

POS Environment Codes

POS Environment
Code		 Description
C Credential on file.
I Indicates that the message is for an installment payment.
R Indicates that the cardholder and merchant have agreed to periodic billing
for goods and services, such as utility bills and magazines.

Recall for Fraud - Questions and possible answers
ID# Question Answer
RECALL_0001 Type of fraud committed (e.g., identity theft, cyber, Ponzi, etc.) - Identity Theft
- Cyber
- Ponzi
- Other
RECALL_0002 Are the sender and recipient known to each other? Boolean (Yes/No)
RECALL_0003 Relevant law enforcement agency report and reference number String (250)
RECALL_0004 Have your anti-fraud controls been reviewed? Boolean (Yes/No)

Account Identifier Type Codes

Code Description
00 Other
01 Routing transit number (RTN) and bank account
02 IBAN
03 Card account
04 Email
05 Phone number
06 Bank account number (BAN) and bank identification code (BIC)
07 Wallet ID
08 Social network ID

Account Name Inquiry Results (cardHolderNameVerificationResult)

<a href=\"/request_response_codes#ani_match_decision_codes\">ANI match decision</a>

nameMatchDecision:

Code Description
01 Match
50 Partial Match
99 No Match

<a href=\"/request_response_codes#ani_name_result_codes\">ANI name Result</a>"

nameResult:

Code Description
00 Name match performed
01 Name match not performed
02 Name match not supported