For transactions processed by the Card-Present (CP) gateway on Zone, the response codes in Field 39 of the ISO8583 response messages indicates the success or failure of the request. In general, a response code of 00 indicates success while response codes other than 00 indicates failures for different reasons based on the description and the context of usage.
| Code | Description | Remarks |
|---|---|---|
| 00 | Approved or completed successfully | This indicates that request was processed successfully |
| 01 | Refer to card issuer | |
| 02 | Refer to card issuer, special condition | |
| 03 | Invalid merchant | |
| 04 | Pick-up card | |
| 05 | Do not honor | |
| 06 | Error | |
| 07 | Pick-up card, special condition | |
| 08 | Honor with identification | |
| 09 | Request in progress | |
| 10 | Approved, partial | |
| 11 | Approved, VIP | |
| 12 | Invalid transaction | |
| 13 | Invalid amount | |
| 14 | Invalid card number | |
| 15 | No such issuer | |
| 16 | Approved, update track 3 | |
| 17 | Customer cancellation | |
| 18 | Customer dispute | |
| 19 | Re-enter transaction | |
| 20 | Invalid response | |
| 21 | No action taken | |
| 22 | Suspected malfunction | |
| 23 | Unacceptable transaction fee | |
| 24 | File update not supported | |
| 25 | Unable to locate record | |
| 26 | Duplicate record | |
| 27 | File update edit error | |
| 28 | File update file locked | |
| 29 | File update failed | |
| 30 | Format error | |
| 31 | Bank not supported | |
| 32 | Completed partially | |
| 33 | Expired card, pick-up | |
| 34 | Suspected fraud, pick-up | |
| 35 | Contact acquirer, pick-up | |
| 36 | Restricted card, pick-up | |
| 37 | Call acquirer security, pick-up | |
| 38 | PIN tries exceeded, pick-up | |
| 39 | No credit account | |
| 40 | Function not supported | |
| 41 | Lost card | |
| 42 | No universal account | |
| 43 | Stolen card | |
| 44 | No investment account | |
| 51 | Not sufficient funds | |
| 52 | No check 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 on terminal | |
| 59 | Suspected fraud | |
| 60 | Contact acquirer | |
| 61 | Exceeds withdrawal limit | |
| 62 | Restricted card | |
| 63 | Security violation | |
| 64 | Original amount incorrect | |
| 65 | Exceeds withdrawal frequency | |
| 66 | Call acquirer security | |
| 67 | Hard capture | |
| 68 | Response received too late | |
| 75 | PIN tries exceeded | |
| 77 | Intervene, bank approval required | |
| 78 | Intervene, bank approval required for partial amount | |
| 90 | Cut-off in progress | |
| 91 | Issuer or switch inoperative | |
| 92 | Routing error | |
| 93 | Violation of law | |
| 94 | Duplicate transaction | |
| 95 | Reconcile error | |
| 96 | System malfunction | |
| 98 | Exceeds cash limit |