Express Platform Response Details

Document created by Chris Jennings on May 18, 2016Last modified by Chris Jennings on Jun 1, 2016
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This document is intended to provide response details for transactions processed on the Element Express processing platform. Address and CVV2/CVC2/CID verification details are included.

 

 

ExpressResponseCode Values and Descriptions (Credit/Debit)

 

RC

 

Response Type

 

Response Description

 

0

 

Approved/Success

 

Approved and/or successful transaction request.

 

5

 

Partial Approved (PARTIAL APPROVAL)

 

Card issuer has partially approved the transaction.

 

20

 

Declined

 

Card issuer has declined the transaction. Return the card and instruct the cardholder to call the card issuer for more information on the status of the account. If received on a recurring transaction, contact the cardholder for updated card information. For Check/ACH, transaction has been declined.

 

21

 

Expired Card

 

Card is expired or expiration date is invalid.

 

22

 

Duplicate AP

 

Declined as a duplicate. Same card, same amount, within the same batch was previously approved.

 

23

 

Duplicate

 

Declined as a duplicate. Same card, same amount, within the same batch was previously approved.

 

24

 

Pick up Card

 

Issuing bank has declined and wants to recover the card. Inform the customer that you have been instructed to keep the card, and ask for an alternative form of payment. If you feel uncomfortable, simply return the card to the cardholder.

 

25

 

Call Issuer

 

Card issuer needs more information before approving the sale. Contact the authorization center and follow whatever instructions you are given.

 

90

 

Undefined

 

Undefined.

 

101

 

Invalid Data ()

 

Invalid data has been submitted. Check ExpressResponseMessage for additional details.

 

Invalid Data (INVALID CARD INFO)

 

Card number submitted is invalid. Card number does not pass basic processor validation or issuer edit checks.

 

Invalid Data (INVALID AMOUNT)

 

Amount entered is invalid.

 

Invalid Data (INVALID PIN)

 

Debit PIN entered is invalid.

 

102

 

Invalid Account

 

Possible profile configuration issue or incorrect AcceptorID sent. Possible invalid AccountID, AccountToken, or TerminalID sent.

 

103

 

Invalid Request

 

Invalid Request. Check ExpressResponseMessage for additional details.

 

104

 

Auth Failed

 

Auth failed.

 

105

 

Not Allowed (NOT AUTHORIZED)

 

Card number or card type submitted is invalid. Merchant may not be configured for submitted card type.

 

120

 

Out of Balance

 

Out of balance (Merchant-Initiated batching).

 

1001

 

Comm Error

 

Communication error. Reversal should be submitted.

 

1002

 

Host Error

 

Host error. Reversal should be submitted.

 

1009

 

Error

 

Error.

 

Card-Not-Present or Keyed Transactions

 

Item

 

Description

 

Address Verification Service (AVS)

 

You can verify the U.S. address of the cardholder by passing the BillingAddress1 and BillingZipcode parameters in your authorization request, and in response you will receive a Match, Partial Match, No Match, etc. type of response in the AVSResponseCode response parameter. The AVSResponseCode does not impact the approval or decline status of the card. You should evaluate the AVSResponseCode and take appropriate action based on all transaction characteristics and any other verification information received with the authorization. Note that passing the address information helps the merchant qualify for the lowest interchange rate.

 

Card Verification Value (CVV2, CVC2, CID)

 

Card Verification Value (CVV2 for Visa, CVC2 for MasterCard, CID for Discover and American Express) is a three- or four-digit code that appears on either the back (Visa, MasterCard, Discover) or front (American Express) of the card. This value is used primarily in card-not- present transactions to verify that the customer is in possession of a valid card at the time of the authorization. By passing the CVV parameter in your authorization request, you will receive a Match, No Match, etc. type of response in the CVVResponseCode response parameter. You should evaluate the CVVResponseCode and take appropriate action based on all transaction characteristics. Note that passing CVV2, CVC2, or CID information may or may not have an effect (depending on the issuer) on the approval or decline status of the card.

 

 

Additional Response Information

 

Parameter

 

Description

 

ExpressResponseCode

 

First returned parameter (numeric) from Express that should be examined to determine success or failure of the request.

 

ExpressResponseMessage

 

Text response message associated with the ExpressResponseCode.

 

HostResponseCode

 

Response code returned by the authorization network.

 

HostResponseMessage

 

Text response message associated with the HostResponseCode.

 

TransactionID

 

Unique Express transaction identifier. Should be stored for research purposes or to void or refund a previous Express transaction.

 

ApprovalNumber

 

Approval code returned by the cardholder’s issuing bank.

 

 

 

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