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  4. Enhanced Authorisation Data Service merchant implementation guide
Last updated 01/25/2023
2 Min Read Time

Enhanced Authorisation Data Service merchant implementation guide

Introduction

When a transaction is authorised, the card issuer provides a detailed authorisation response code, known as an ‘issuer’ or a ‘raw auth’ response code to us. We map these codes to a simplified list, known as an ‘acquirer’ response code’, which you receive in the authorisation message we send you. By signing up for our Enhanced Authorisation Data Service you’ll receive the ‘issuer’ response code as extra

real-time data as part of the authorisation message, in addition to the ‘acquirer’ response code.

Benefits Of Using The Service

If you carry out ecommerce and/or card on file transactions (for example, recurring transactions) Enhanced Authorisation Data provides you with a richer, more detailed set of authorisation responses, particularly for declined transactions.

Our service provides you with:

  • Improved analytics, to help you pinpoint why transactions are declined
  • Assistance in identifying when you can attempt to re-authorise a transaction, or the actions that you need to take before trying to authorise the transaction again
  • The opportunity to focus and streamline operational processes
  • The ability to increase the number of successful authorisations.

Requirements For Using The Service

Issuer response codes will be provided to you as additional data in the authorisation response message we send you, see Appendix A for more details. To ensure you can receive this, please refer to our Authorisation and Settlement Technical Specification Guide, which is available from your Relationship Manager.

Customer Set up Process

Before implementing the service, we recommend that you complete testing with us. Please contact your Relationship Manager to arrange this.

Issuer Response Code Tables

See Appendix B for a list of the issuer response codes.

See Appendix E for details of the Mastercard Decline Reason Code Service for CNP transactions.

Frequently Asked Questions

What’s the Enhanced Authorisation Data Service?

Our Enhanced Authorisation Data Service provides you with ‘issuer’ response codes in the authorisation response message,

in addition to the ‘acquirer’ response codes you already receive.

What are the benefits of using the service?

You can use ‘issuer’ response codes to identify when you can retry to authorise a declined transaction and increase successful transaction volumes.

Which Card Schemes will I receive an issuer response code for?

Issuer response codes are provided for Mastercard, Visa and American Express transactions.

How will I receive the issuer response codes?

The codes will be provided in the authorisation response message, in addition to the acquirer response codes (see Appendix C for further details of these).

 

Will I receive an issuer response code for every authorisation I process?

You’ll receive an issuer response code for the majority of transactions. However, there are some instances where one won’t be provided. For example, if there’s a problem with the format of the message or if the card issuer’s authorisation system is down.

In these circumstances we’ll still provide you with the ‘acquirer’ response code but the ‘issuer’ response code will be blank.

Do card issuers always provide a detailed response?

We’re only able to pass on the response codes we receive from the card issuer. Some only send back a generic ‘do not honour’ response for declines (005 for Mastercard and Visa, 100 for American Express) rather than using the full set of responses.

How do I get set up for the service?

Please speak to your Relationship Manager for more details. As part of the set- up process we recommend you firstly test your systems to ensure that you can receive the issuer response codes before proceeding.

How long does testing take?

There isn’t a standard timescale for testing as this depends on the availability of IT resource at both your offices and ours.

As a guide, once testing has been scheduled and no issues are encountered, it should take around two weeks to complete the testing, analysis and sign off.

I have a Global Payments terminal can I use the service?

The service is only available to customers who submit authorisation requests to us through their own equipment or via a Payment Service Provider.

Are there any costs involved?

There’s an initial fee payable prior to you starting testing and once you’re set-up there’s also a regular ongoing charge.

Your Relationship Manager will advise you of the cost of both of these.

What are Payment Decline Reason Codes (PDRC)?

The PDRC value is included in the authorisation response, to provide guidance on decline retries. It is mapped from the Mastercard MAC (Merchant Advice Code) and Visa Auth Code Category, to provide one value back. Values and descriptions are shown in Appendix D.

For details of how the PDRC is provided in the auth response message, refer to the ASTS Guide.

What is the Mastercard Decline Reason Code Service?

A service introduced on 2 November 2021, to provide more meaningful decline information to help optimize authorization retry strategies. This could lead to higher sales and reduced costs involving unsuccessful authorization attempts.

The Decline Reason Code Service:

  • is limited to card-not-present declines
  • excludes mail and telephone order and ATM transactions
  • only pertains to authorizations processed on the Mastercard Network. It involves:
  • Mastercard map a subset of sensitive decline reasons on behalf of the issuer into categories and provide them as authorisation decline codes:
    • Life cycle (79)
    • Policy (82), and
    • Fraud/Security (83)
These codes are received back instead of some original decline codes such as 54 - Expired card
  • The codes need to be analysed in conjunction with the Mastercard Merchant Advice Code (MAC), which is provided back to you as the GPUK Payment Decline Reason Code (PDRC).

See Appendix E for details of how the Mastercard Category Codes and PDRC needs to be used for decline retries.

Do Visa provide guidance on how to manage authorisation declines?

Visa provide a Category Code for each of their authorisation response codes. This is shown in the Visa table in Appendix B - Issuer Response Codes.

GPUK also map this Category Code and provide it back to you as a PDRC. This is shown in Appendix D - Visa PDRC Mapping Logic.

Appendix A – Auxiliary Data Record

TYPE Z1: ISSUER RESPONSE CODE

Num

Name

F/V

Type

Len

M/O/C

Comment

31.3

Auxiliary Data Record

31.3.1

Record Separator

F

RS

1

M

1E (HEX)

31.3.2

Auxiliary Data Record Type

F

A

2

M

‘Z1’

31.3.3

Auxiliary Data Record Sub-Type

F

N

2

M

‘01’

31.3.4

Group Separator

F

GS

1

M

1D (HEX)

31.3.5

Issuer Response Code

F

A

3

M

31.3.6

Group Separator

F

GS

1

M

1D (HEX)

31.3.7

Reserved For Future Use

F

A

20

O

31.3.8

Group Separator

F

GS

1

M

1D (HEX)

The above Auxiliary Data Record should be used in conjunction our Authorisation and Settlement Technical Specification Guide, which is available from your Relationship Manager.

Appendix B – Issuer Response Codes

The following tables detail the issuer response codes that may be returned for Code Definition Category each Card Scheme.

Visa

Code

Definition

Category

00

Approved And Completed Successfully

Approval

01

Refer To Card Issuer

4

02

Refer To Card Issuer, Special Condition

4

03

Invalid Merchant

2

04

Pick up card (no fraud)

1

05

Do not honour

4

06

Error

4

07

Pick up card, special condition (fraud account)

1

10

Partial approval

Approval

11

Approved (V.I.P.)

Approval

12

Invalid transaction

1

13

Either: Invalid amount / Currency conversion field overflow

4

14

Invalid account number (no such number): No modulus 10 check / Not a valid length for issuer / Not in positive PIN Verification file / Separator in wrong position

1,3

15

No such issuer (first 8 digits of account number do not relate to an issuing identifier)

1

19

Re-enter transaction

2

21

No action taken

n/a

25

Unable to locate record in file

n/a

28

File is temporarily unavailable for update or inquiry

n/a

39

No credit account

4

41

Lost card, pick up card (fraud account)

1

43

Stolen card, pick up (fraud account)

1

46

Closed account

1

51

Not sufficient funds

2

52

No checking account

4

53

No savings account

54

Expired card or expiration date missing

3

55

PIN incorrect or missing

3

57

Transaction not permitted to cardholder Used by switch when function requested is not allowed for product or card type

1

58

Transaction not allowed at terminal

4

59

Suspected fraud

2

61

Exceeds approval amount limit

2

62

Restricted card (card invalid in region or country)

2

63

Security violation (source not correct issuer)

n/a

64

Transaction does not fulfill AML requirement

4

65

Exceededs withdrawal fequency limit

2

70

PIN data required

3

74

Different value than that used for PIN encryption errors

4

75

Allowable number of PIN entry tries exceeded

2

76

Unsolicited reversal-reversal with no original transaction in history. V.I.P. unable to match reversal request to an original message

n/a

78

Blocked, first used or special condition—new cardholder not activated or card is temporarily blocked

2

79

Reversed (by switch)

4

80

No financial impact (used in reversal responses to declined originals)

4

81

Cryptographic error found in PIN (used for cryptographic error condition found by security module during PIN decryption)

4

82

Negative Online CAM, dCVV, iCVV, or CVV results Or Offline PIN authentication inte

3

85

No reason to decline a request for address verification, CVV2 verification, or credit voucher or

4

86

Cannot verify PIN; for instance, no PVV

2

91

Issuer unavailable or switch inoperative (STIP not applicable or available for this transaction)

- Time-out when no STIP
- Credit voucher and merchandise return

issuer unavailable. Acquirers receiving code must send transaction again. Advices not created.

- Issuers can respond with this code, which V.I.P. passes to acquirer without invoking STIP. Issuers use code to indicate they cannot perform authorization on issuer’s behalf.

Causes decline at POS.

2

92

Financial institution or intermediate network facility cannot be found for routing (receiving institution ID invalid)

n/a

93

Transaction cannot be completed - violation of law

2

94

Duplicate transmission. Transaction submitted containing values in tracing data fields that duplicate values in a previously submitted transaction.

n/a

96

System malfunction

2

1A

Additional customer authentication required

3

B1

Surcharge amount not permitted on Visa cards or EBT food stamps (U.S. acquirers only)

n/a

N0

Force STIP. Issuers can respond with this, which routes transaction to STIP. Issuers use code when they cannot perform authorization but want STIP to perform it.

4

N3

Cash service not available

2

N4

Cash request exceeds issuer or approved limit

2

N7

Decline for CVV2 failure

3

N8

Transaction amount exceeds pre-authorised approval amount

n/a

P5

Denied PIN unblock-PIN change or unblock request declined by issuer

n/a

P6

Denied PIN change-requested PIN unsafe

n/a

6P

Verification data failed

3

Q1

Card authentication failed Or Offline PIN authentication interrupted

n/a

R0

Stop payment order

1

R1

Revocation of authorization order

1

R2

Transaction does not qualify for Visa PIN

n/a

R3

Revocation of all authorizations order

1

Z1

Offline-declined

4

Z3

Unable to go online; offline-declined

4

Response Code Category

  1. Issuer never approves: Reattempt not permitted.
  2. Issure cannot approve at this time: Reattempt up to 15 times over 30 days.
  3. Data quality/revalidate payment information: Revalidate payment information. Prior to Reattempt up to 15 times over 30 days.
  4. Generic response codes: Reattempt up to 15 times over 30 days.

Mastercard

Value

Description

Action

1

Refer to card issuer

Call issuer

3

Invalid merchant

Decline

4

Capture card

Capture

5

Do not honor16

Decline

8

Honor with ID

Approve

10

Partial approval

Approve

12

Invalid transaction

Decline

13

Invalid amount

Decline

14

Invalid card number

Decline

15

Invalid issuer

Decline

30

Format error

Decline

41

Lost card

Capture

43

Stolen card

Capture

51

Insufficient funds/over credit limit

Decline

54

Expired card decline

Decline

55

Invalid PIN decline

Decline

57

Transaction not permitted to issuer/cardholder

Decline

58

Transaction not permitted to acquirer/terminal

Decline

61

Exceeds withdrawal amount limit

Decline

62

Restricted card

Decline

63

Security violation

Decline

65

Exceeds withdrawal count limit OR Identity Check Soft- Decline of EMV 3DS Authentication (merchant should resubmit authentication with 3DSv1)

Decline

70

Contact card issuer

Call Issuer

71

PIN not changed

Decline

75

Allowable number of PIN tries exceeded

Decline

76

Invalid/non-existent ‘To Account’ specified

Decline

77

Invalid/non-existent ‘From Account’ specified

Decline

78

Invalid/non-existent account specified (general)

Decline

79

Lifecycle Mastercard use only

Decline

81

Domestic debit transaction not allowed (regional use only)

Decline

82

Policy Mastercard use only

Decline

83

Security Mastercard use only

Decline

84

Invalid authorisation life cycle

Decline

85

Not declined. Valid for all zero amount transactions

Valid

87

Purchase amount only. No cashback allowed

Approved

88

Cryptographic failure

Decline

89

Unacceptable PIN – Transaction declined – Retry

Decline

91

Authorization System or issuer system inoperative issuer system inoperative

Decline

92

Unable to route transaction

Decline

94

Duplicate transmission detected

Decline

96

System error

Decline

American Express

Valid Action Codes:

000

Approved

001

Approve with ID

002

Partial approval (prepaid cards only)

100

Deny

101

Expired card/Invalid expiration date

106

Exceeded PIN attempts

109

Invalid merchant

110

Invalid amount

111

Invalid account/Invalid MICR (Travelers Cheque)

115

Requested function not supported

116

Not Sufficient Funds

117

Invalid PIN

119

Cardmember not enrolled/not permitted

121

Limit Exceeded

122

Invalid card security code (a.k.a., CID, 4DBC, 4CSC)

125

Invalid effective date

130

Additional customer identification required

181

Format error

183

Invalid currency code

187

Deny – New card issued

189

Deny – Cancelled or closed merchant/SE

200

Deny – Pick up card

900

Accepted – ATC synchronization

909

System malfunction (cryptographic error)

912

Issuer not available

Note - Amex do not define category / action to be taken

Discover Global Network

Action Codes:

0

pin change successful (EMV only)

Approved

1

honor with identification

Approved

81

approved by Issuer (For a successful balance inquiry response)

Approved

82

approved by Xpress (stand–in)

Approved

83

approved by Acquirer (stand–in)

Approved

84

off-line approved (EMV only)

Approved

85

off-line approved—unable to go online (EMV only)

Approved

86

card verification successful

Approved

100

do not honor

Declined

101

expired card

Declined

102

suspected fraud (account not on Positive File)

Declined

103

Customer Authentication Required

Declined

104

restricted card

Declined

106

allowable PIN tries exceeded

Declined

109

invalid merchant

Declined

110

invalid amount

Declined

111

invalid card number

Declined

115

requested function not supported

Declined

117

incorrect PIN

Declined

118

cycle range suspended

Declined

119

Transaction not permitted to cardholder

Declined

120

Transaction not permitted to Originatora (For Merchant Presented Mode (MPM) QR Code transactions)

Declined

122

card validity period exceeded

Declined

124

violation of law

Declined

125

card not effective

Declined

129

suspected counterfeit card

Declined

140

off-line declined—Merchant Forced Acceptance

Declined

141

unable to go on line, off-line declined—Merchant Forced Acceptance

Declined

163

security violations

Declined

181

decline given by POS Participant (adjustment)

Declined

182

decline given by Issuer

Declined

183

Domain Restriction Control Failure

Declined

184

decline given by Xpress, no communication with Issuer

Declined

185

decline given by Xpress, card is local use only

Declined

188

Xpress unable to forward request to Issuer X

Declined

192

Restricted Merchant

Declined

194

PIN change or unblock failed (EMV only)

Declined

195

new PIN not accepted (EMV only)

Declined

196

chip information advice (EMV only)

Declined

197

card verification failed

Declined

198

TVR or CVR validation failed

Declined

200

do not honor

Declined

201

expired card

Declined

202

suspected fraud

Declined

203

card acceptor contact Acquirer

Declined

204

restricted card

Declined

205

card acceptor call Acquirers security department

Declined

206

allowable PIN tries exceeded

Declined

207

special conditions

Declined

208

lost card

Declined

209

stolen card

Declined

210

suspected counterfeit card

Declined

280

temporary status lost card

Declined

281

temporary status stolen card

Declined

904

format error

Error

905

Acquirer not supported by Xpress

Error

909

system malfunction

Error

916

MAC key invalid

Error

923

request in progress

Error

JCB

Code

Message

Action

00

Approved or completed successfully

Approve

01

Refer to Issuer

Referral

03

Invalid merchant

Referral

04

Pick-up

Pick-up

05

Do not honor

Decline

06

Error

Referral

07

Pick-up card, special condition, counterfeit

Pick-up

09

Request in progress

Referral

10

Partial Approval (Not Applicable to GP UK)

Approve

12

Invalid transaction (Duplicate transaction)

Referral

13

Invalid amount

Referral

14

Invalid card number (no such number)

Decline

15

No such Issuer

Decline

20

Invalid response

Referral

30

Format error

Referral

31

Bank not supported by switch

Decline

33

Expired card

Pick-up

34

Suspended fraud

Pick-up

36

Restricted card

Pick-up

40

Requested function not supported

Decline

41

Lost card

Pick-up

42

No universal account

Decline

43

Stolen card, pick-up

Pick-up

51

Not sufficient funds

Decline

54

Expired card, or expiry date error

Decline

55

Incorrect personal identification number

Decline

56

No card record

Referral

57

Transaction not permitted to cardholder

Decline

58

Transaction not permitted to terminal

Decline

59

Suspected fraud

Decline

61

Exceeds withdrawal amount limit

Decline

62

Restricted card

Decline

63

Security violation

Referral

65

Exceeds withdrawal frequency limit

Decline

75

Allowable number of PIN tries exceeded

Decline

76

Incorrect reversal (Auth-ID, STAN, AMNT)

Referral

77

Lost, stolen, pick-up

Pick-up

78

Shop in black list

Decline

79

Account status flag false

Decline

81

PIN cryptographic error found ( This is set only by JCBI, Licensees cannot use this code)

Decline

85

Not Declined (only used for Balance Inquiry and Address Verification with zero amount) (Not Applicable to GP UK)

Valid

87

Incorrect passport number

Decline

88

Incorrect date of birth

Decline

89

(Not approved: free message)

Decline

90

Cutoff is in progress

Referral

91

Issuer or switch is inoperative

Referral

92

Financial institution cannot be found for routing

Decline

94

Duplicate transmission

Referral

96

System malfunction

Referral

Appendix C - Acquirer Response Codes

For up to date Acquirer Response Codes, see the latest Authorisation and Settlement Technical Specifications (ASTS Guide), Authorisation Response Codes and Message Text Table.

Appendix D - Payment Decline Reason Code

PAYMENT DECLINE REASON CODE (PDRC)

1

New account information available

2

Cannot approve at this time; try again later

4

Do not try again

8

Payment blocked by card scheme

0

NONE

For details of how this is provided in the auth response message, refer to the ASTS Guide.

Visa PDRC Mapping Logic

Visa Auth Response Category

GPUK Payment Decline Reason Code (PDRC)

1 Issuer will never approve

4 Do not try again

2 Issuer cannot approve at this time

2 Cannot approve at this time; try again later

3 Data quality issues

1 New account information available

4 Generic response codes

0 None

Appendix E - Mastercard Decline Reason Code Service

MC Response Code

PDRC

Merchant Action

Merchant Advice Description

79 or 82

1

updated information was found in the Mastercard ABU database. Check for new information before reattempting.

Updated information needed

79 or 82

4

updated credentials are not found to be available in the Mastercard ABU database. Do not retry.

Do not try again

83

1

authentication may improve the likelihood of an approval. Retry using authentication (such as EMV® 3DS).

Additional information needed

83

4

suspected fraud. Do not retry.

Do not try again

79 or 82 or 83

2

retry the transaction later.

Try again later

79 - Lifecycle

82 - Policy

83 - Security

 

 
 
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Global Payments is a trading name of GPUK LLP. GPUK LLP is authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (504290) for the provision of payment services and under the Consumer Credit Act (714439) for the undertaking of terminal rental agreements. GPUK LLP is a limited liability partnership registered in England with company number OC337146. Registered Office: Granite House, Granite Way, Syston, Leicester, LE7 1PL. The members are Global Payments U.K. Limited and Global Payments U.K. 2 Limited. Service of any documents relating to the business will be effective if served at the Registered Office.

Global Payments is also a trading name of Pay and Shop Limited. Pay and Shop Limited is a limited company registered in Ireland with company number 324929. Registered Office: The Observatory, 7-11 Sir John Rogerson's Quay, Dublin 2, Ireland. Service of any documents relating to the business will be effective if served at the Registered Office.

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