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Applies to all card brands
Value | Description |
|---|---|
01 | Card authentication failed. |
02 | Unknown device. |
03 | Unsupported device. |
04 | Exceeds authentication frequency limit. |
05 | Expired card. |
06 | Invalid card number. |
07 | Invalid transaction. |
08 | No card record. |
09 | Security failure. |
10 | Stolen card. |
11 | Suspected fraud. |
12 | Transaction not permitted for cardholder. |
13 | Cardholder not enrolled in service. |
14 | Transaction timed out at ACS. |
15 | Low confidence. |
16 | Medium confidence. |
17 | High confidence. |
18 | Very high confidence. |
19 | Exceeds ACS maximum challenges. |
20 | Non-payment transaction not supported. |
21 | 3RI transaction not supported. |
22 | ACS technical issue. |
23 | Decoupled Authentication required by ACS but not requested by 3DS Requestor. |
24 | 3DS Requestor decoupled max expiry time exceeded. |
25 | Decoupled Authentication was provided insufficient time to authenticate cardholder. ACS will not make attempt. |
26 | Authentication attempted but not performed by the cardholder. |
Applies to specific card brands
Visa
Value | Description |
|---|---|
80 | Error connecting to ACS. |
81 | ACS timed out. |
82 | Invalid response from ACS. |
83 | System Error response from ACS. |
84 | VMID not eligible for requested program. |
85 | VMID not eligible for requested program. |
86 | Protocol version not supported by ACS |
87 | Transaction is excluded from Attempts Processing (includes non- reloadable pre-paid cards and non-payments (NPA)). |
88 | Requested program not supported by ACS. |
Mastercard
Value | Description |
|---|---|
80 | Returned on all Data Only authentications. |
81 | Challenge exemption accepted. |
82 | Challenge Mandate requested but could not be performed. |
83 | DS dropped reason code received from ACS |
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