ABECS return codes
ABECS standardized return codes for declined sales, organized by card brand.
The Brazilian Association of Credit Card and Services Companies (ABECS) defined a standard for the return codes of declined sales, covering payment solutions in both physical retail and Brazilian e-commerce.
PayZu processes transactions according to this standard. See below the table with the return codes standardized by ABECS.
To access the official table on the ABECS website, go to the ABECS regulation.
To optimize authorization performance, see the Card network retry program manual and learn what action to take when a retry is allowed.
The codes in the tables were separated by card network to make them easier to browse. Numbers and their definitions may repeat across different tables, so make sure to check the table for the network you are interested in.
Elo network
eloElo| ABECS code | Code type | Message | POS/E-commerce message |
|---|---|---|---|
| 4 | REVERSIBLE | REDO THE TRANSACTION (ISSUER REQUESTS RETRY) | REDO THE TRANSACTION |
| 5 | REVERSIBLE | GENERIC | CONTACT YOUR CARD ISSUER |
| 6 | REVERSIBLE | CHECK WITH THE ACQUIRER | MERCHANT, CONTACT THE ACQUIRER |
| 12 | IRREVERSIBLE | CARD ERROR | CHECK THE CARD DATA |
| 13 | IRREVERSIBLE | INVALID TRANSACTION AMOUNT | TRANSACTION AMOUNT NOT ALLOWED - DO NOT RETRY |
| 14 or 56 | IRREVERSIBLE | CARD NUMBER DOES NOT BELONG TO THE ISSUER / INVALID CARD NUMBER | CHECK THE CARD DATA |
| 19 | IRREVERSIBLE | ACQUIRER PROBLEM | CARD ERROR - DO NOT RETRY |
| 23 | IRREVERSIBLE | INVALID INSTALLMENT AMOUNT | INVALID INSTALLMENT PLAN - DO NOT RETRY |
| 30 | IRREVERSIBLE | FORMAT ERROR (MESSAGING) | CARD ERROR - DO NOT RETRY |
| 38 | REVERSIBLE | PIN ATTEMPTS EXCEEDED / PURCHASES | PIN ATTEMPTS EXCEEDED. CONTACT YOUR CARD ISSUER |
| 41 | IRREVERSIBLE | LOST CARD | TRANSACTION NOT ALLOWED - DO NOT RETRY |
| 43 | IRREVERSIBLE | STOLEN CARD | TRANSACTION NOT ALLOWED - DO NOT RETRY |
| 46 | IRREVERSIBLE | ACCOUNT CLOSED | TRANSACTION NOT ALLOWED FOR THIS CARD - DO NOT RETRY |
| 51 | REVERSIBLE | INSUFFICIENT BALANCE/LIMIT | NOT AUTHORIZED |
| 54 | IRREVERSIBLE | EXPIRED CARD / INVALID EXPIRATION DATE | CHECK THE CARD DATA |
| 55 | REVERSIBLE | INVALID PIN | INVALID PIN |
| 57 | IRREVERSIBLE | TRANSACTION NOT ALLOWED FOR THIS CARD | TRANSACTION NOT ALLOWED FOR THIS CARD - DO NOT RETRY |
| 57 | IRREVERSIBLE | TRANSACTION NOT ALLOWED BY TERMINAL CAPABILITY | TRANSACTION NOT ALLOWED - DO NOT RETRY |
| 57 | IRREVERSIBLE | CONFIRMED FRAUD | TRANSACTION NOT ALLOWED FOR THIS CARD - DO NOT RETRY |
| 57 | IRREVERSIBLE | TRANSACTION DENIED DUE TO LAW VIOLATION | TRANSACTION NOT ALLOWED FOR THIS CARD - DO NOT RETRY |
| 58 | IRREVERSIBLE | INVALID MERCHANT | TRANSACTION NOT ALLOWED - DO NOT RETRY |
| 59 | REVERSIBLE | SUSPECTED FRAUD/TRAVEL NOTICE | CONTACT YOUR CARD ISSUER |
| 61 | REVERSIBLE | AMOUNT EXCEEDED / WITHDRAWAL | AMOUNT EXCEEDED. CONTACT YOUR CARD ISSUER |
| 62 | REVERSIBLE | TEMPORARY BLOCK (E.G. DELINQUENCY) | CONTACT YOUR CARD ISSUER |
| 62 | IRREVERSIBLE | DOMESTIC CARD - INTERNATIONAL TRANSACTION | CARD DOES NOT ALLOW INTERNATIONAL TRANSACTIONS |
| 63 | IRREVERSIBLE | SECURITY VIOLATION (INVALID OR NOT PRESENT) | CHECK THE CARD DATA |
| 64 | IRREVERSIBLE | INVALID MINIMUM TRANSACTION AMOUNT | TRANSACTION AMOUNT NOT ALLOWED - DO NOT RETRY |
| 65 | REVERSIBLE | NUMBER OF WITHDRAWALS EXCEEDED | NUMBER OF WITHDRAWALS EXCEEDED. CONTACT YOUR CARD ISSUER |
| 75 | REVERSIBLE | PIN ATTEMPTS EXCEEDED / WITHDRAWAL | PIN ATTEMPTS EXCEEDED. CONTACT YOUR CARD ISSUER |
| 76 | IRREVERSIBLE | INVALID OR NONEXISTENT DESTINATION ACCOUNT | INVALID DESTINATION ACCOUNT - DO NOT RETRY |
| 77 | IRREVERSIBLE | INVALID OR NONEXISTENT SOURCE ACCOUNT | INVALID SOURCE ACCOUNT - DO NOT RETRY |
| 78 | REVERSIBLE | NEW CARD NOT UNBLOCKED (INCLUDES CARD BLOCKED BY THE CUSTOMER IN THE APP - E-COM NFC) | UNBLOCK THE CARD |
| 82 | IRREVERSIBLE | INVALID CARD (cryptogram) | CARD ERROR - DO NOT RETRY |
| 83 | IRREVERSIBLE | EXPIRED PIN / PIN ENCRYPTION ERROR | INVALID PIN - DO NOT RETRY |
| 91 | REVERSIBLE | ISSUER UNAVAILABLE | COMMUNICATION FAILURE - TRY AGAIN LATER |
| 96 | REVERSIBLE | SYSTEM FAILURE | COMMUNICATION FAILURE - TRY AGAIN LATER |
| AB | REVERSIBLE | INCORRECT FUNCTION (DEBIT) | USE THE CREDIT FUNCTION |
| AC | REVERSIBLE | INCORRECT FUNCTION (CREDIT) | USE THE DEBIT FUNCTION |
| FM | IRREVERSIBLE | USE THE CHIP | USE THE CHIP |
| P5 | IRREVERSIBLE | PIN CHANGE / UNBLOCK | INVALID PIN - DO NOT RETRY |
| P6 | REVERSIBLE | NEW PIN NOT ACCEPTED | INVALID PIN USE THE NEW PIN |
Visa network
Visa| ABECS code | Code type | Message | POS/E-commerce message |
|---|---|---|---|
| 3 | IRREVERSIBLE | INVALID MERCHANT | TRANSACTION NOT ALLOWED - DO NOT RETRY |
| 4 | IRREVERSIBLE | PICK UP CARD | CONTACT YOUR CARD ISSUER - DO NOT RETRY |
| 5 | REVERSIBLE | GENERIC | CONTACT YOUR CARD ISSUER |
| 6 | IRREVERSIBLE | CARD ERROR | CHECK THE CARD DATA |
| 7 | IRREVERSIBLE | CONFIRMED FRAUD | TRANSACTION NOT ALLOWED FOR THIS CARD - DO NOT RETRY |
| 12 | IRREVERSIBLE | FORMAT ERROR (MESSAGING) | CARD ERROR - DO NOT RETRY |
| 13 | IRREVERSIBLE | INVALID TRANSACTION AMOUNT | TRANSACTION AMOUNT NOT ALLOWED - DO NOT RETRY |
| 14 | IRREVERSIBLE | CARD NUMBER DOES NOT BELONG TO THE ISSUER / INVALID CARD NUMBER | CHECK THE CARD DATA |
| 15 | IRREVERSIBLE | ISSUER NOT FOUND - INCORRECT BIN (acquirer decline) | INVALID CARD DATA - DO NOT RETRY |
| 19 | IRREVERSIBLE | ACQUIRER PROBLEM | CARD ERROR - DO NOT RETRY |
| 39 | REVERSIBLE | INCORRECT FUNCTION (CREDIT) | USE THE DEBIT FUNCTION |
| 41 | IRREVERSIBLE | LOST CARD | TRANSACTION NOT ALLOWED - DO NOT RETRY |
| 43 | IRREVERSIBLE | STOLEN CARD | TRANSACTION NOT ALLOWED - DO NOT RETRY |
| 46 | IRREVERSIBLE | ACCOUNT CLOSED | TRANSACTION NOT ALLOWED FOR THIS CARD - DO NOT RETRY |
| 51 | REVERSIBLE | INSUFFICIENT BALANCE/LIMIT | NOT AUTHORIZED |
| 54 | IRREVERSIBLE | EXPIRED CARD / INVALID EXPIRATION DATE | CHECK THE CARD DATA |
| 57 | IRREVERSIBLE | TRANSACTION NOT ALLOWED FOR THIS CARD | TRANSACTION NOT ALLOWED FOR THIS CARD - DO NOT RETRY |
| 58 | IRREVERSIBLE | TRANSACTION NOT ALLOWED BY TERMINAL CAPABILITY | TRANSACTION NOT ALLOWED - DO NOT RETRY |
| 59 | REVERSIBLE | SUSPECTED FRAUD/TRAVEL NOTICE | CONTACT YOUR CARD ISSUER |
| 62 | REVERSIBLE | TEMPORARY BLOCK (E.G. DELINQUENCY) | CONTACT YOUR CARD ISSUER |
| 62 | REVERSIBLE | DOMESTIC CARD - INTERNATIONAL TRANSACTION | CARD DOES NOT ALLOW INTERNATIONAL TRANSACTIONS |
| 64 | IRREVERSIBLE | NON-COMPLIANCE WITH ANTI-MONEY LAUNDERING LAWS | CONTACT YOUR CARD ISSUER - DO NOT RETRY |
| 65 | REVERSIBLE | NUMBER OF WITHDRAWALS EXCEEDED | NUMBER OF WITHDRAWALS EXCEEDED. CONTACT YOUR CARD ISSUER |
| 75 | REVERSIBLE | PIN ATTEMPTS EXCEEDED / PURCHASES | PIN ATTEMPTS EXCEEDED. CONTACT YOUR CARD ISSUER |
| 75 | REVERSIBLE | PIN ATTEMPTS EXCEEDED / WITHDRAWAL | PIN ATTEMPTS EXCEEDED. CONTACT YOUR CARD ISSUER |
| 76 | IRREVERSIBLE | INVALID REVERSAL | CONTACT YOUR CARD ISSUER - DO NOT RETRY |
| 78 | REVERSIBLE | NEW CARD NOT UNBLOCKED (INCLUDES CARD BLOCKED BY THE CUSTOMER IN THE APP - E-COM NFC) | UNBLOCK THE CARD |
| 82 | IRREVERSIBLE | INVALID CARD (cryptogram) | CARD ERROR - DO NOT RETRY |
| 91 | REVERSIBLE | ISSUER UNAVAILABLE | COMMUNICATION FAILURE - TRY AGAIN LATER |
| 92 | IRREVERSIBLE | NOT FOUND BY THE ROUTER | CONTACT YOUR CARD ISSUER - DO NOT RETRY |
| 93 | IRREVERSIBLE | TRANSACTION DENIED DUE TO LAW VIOLATION | TRANSACTION NOT ALLOWED FOR THIS CARD - DO NOT RETRY |
| 94 | IRREVERSIBLE | DUPLICATE TRACING DATA VALUE | CONTACT YOUR CARD ISSUER - DO NOT RETRY |
| 96 | REVERSIBLE | SYSTEM FAILURE | COMMUNICATION FAILURE - TRY AGAIN LATER |
| 52 or 53 | REVERSIBLE | INCORRECT FUNCTION (DEBIT) | USE THE CREDIT FUNCTION |
| 55 or 86 | REVERSIBLE | INVALID PIN | INVALID PIN |
| 61 or N4 | REVERSIBLE | AMOUNT EXCEEDED / WITHDRAWAL | AMOUNT EXCEEDED. CONTACT YOUR CARD ISSUER |
| 6P | IRREVERSIBLE | ID VALIDATION FAILURE | ID VERIFICATION FAILED |
| 74 or 81 | IRREVERSIBLE | EXPIRED PIN / PIN ENCRYPTION ERROR | INVALID PIN - DO NOT RETRY |
| B1 | REVERSIBLE | SURCHARGE NOT SUPPORTED | CONTACT YOUR CARD ISSUER |
| B2 | REVERSIBLE | SURCHARGE NOT SUPPORTED BY THE DEBIT NETWORK | CONTACT YOUR CARD ISSUER |
| N0 | REVERSIBLE | FORCE STIP | CONTACT YOUR CARD ISSUER |
| N3 | IRREVERSIBLE | WITHDRAWAL NOT AVAILABLE | WITHDRAWAL NOT AVAILABLE - DO NOT RETRY |
| N7 | IRREVERSIBLE | SECURITY VIOLATION (INVALID OR NOT PRESENT) | CHECK THE CARD DATA |
| N7 | IRREVERSIBLE | DYNAMIC KEY CHANGE ERROR | CARD ERROR - DO NOT RETRY |
| N8 | IRREVERSIBLE | DIFFERENCE - PRE AUTHORIZATION | AMOUNT DIFFERENT FROM THE PRE AUTHORIZATION - DO NOT RETRY |
| R0 | IRREVERSIBLE | RECURRING PAYMENT SUSPENSION FOR A SERVICE | RECURRING PAYMENT SUSPENSION FOR SERVICE - DO NOT RETRY |
| R1 | IRREVERSIBLE | RECURRING PAYMENT SUSPENSION FOR ALL SERVICES | RECURRING PAYMENT SUSPENSION FOR SERVICE - DO NOT RETRY |
| R2 | IRREVERSIBLE | TRANSACTION NOT QUALIFIED FOR VISA PIN | TRANSACTION NOT ALLOWED FOR THIS CARD - DO NOT RETRY |
| R3 | IRREVERSIBLE | SUSPENSION OF ALL AUTHORIZATION ORDERS | RECURRING PAYMENT SUSPENSION FOR SERVICE - DO NOT RETRY |
New retry codes for Visa: 5C and 9G. Codes 5C and 9G are new decline codes from the Visa network. See the complete retry rules for these codes in the Card network retry program.
Mastercard/Hiper network
MastercardHiperHipercard| ABECS code | Code type | Message | POS/E-commerce message |
|---|---|---|---|
| 3 | IRREVERSIBLE | INVALID MERCHANT | TRANSACTION NOT ALLOWED - DO NOT RETRY |
| 4 | IRREVERSIBLE | PICK UP CARD | CONTACT YOUR CARD ISSUER - DO NOT RETRY |
| 4 | IRREVERSIBLE | CONFIRMED FRAUD | TRANSACTION NOT ALLOWED FOR THIS CARD - DO NOT RETRY |
| 5 | REVERSIBLE | GENERIC | CONTACT YOUR CARD ISSUER |
| 12 | IRREVERSIBLE | INVALID INSTALLMENT AMOUNT | INVALID INSTALLMENT PLAN - DO NOT RETRY |
| 13 | IRREVERSIBLE | INVALID TRANSACTION AMOUNT | TRANSACTION AMOUNT NOT ALLOWED - DO NOT RETRY |
| 13 | IRREVERSIBLE | INVALID MINIMUM TRANSACTION AMOUNT | TRANSACTION AMOUNT NOT ALLOWED - DO NOT RETRY |
| 14 or 1 | IRREVERSIBLE | CARD NUMBER DOES NOT BELONG TO THE ISSUER / INVALID CARD NUMBER | CHECK THE CARD DATA |
| 15 | IRREVERSIBLE | ISSUER NOT FOUND - INCORRECT BIN (acquirer decline) | INVALID CARD DATA - DO NOT RETRY |
| 30 | IRREVERSIBLE | ACQUIRER PROBLEM | CARD ERROR - DO NOT RETRY |
| 30 | IRREVERSIBLE | FORMAT ERROR (MESSAGING) | CARD ERROR - DO NOT RETRY |
| 41 | IRREVERSIBLE | LOST CARD | TRANSACTION NOT ALLOWED - DO NOT RETRY |
| 43 | IRREVERSIBLE | STOLEN CARD | TRANSACTION NOT ALLOWED - DO NOT RETRY |
| 51 | REVERSIBLE | INSUFFICIENT BALANCE/LIMIT | NOT AUTHORIZED |
| 54 | IRREVERSIBLE | EXPIRED CARD / INVALID EXPIRATION DATE | CHECK THE CARD DATA |
| 55 | REVERSIBLE | INVALID PIN | INVALID PIN |
| 55 | REVERSIBLE | NEW PIN NOT ACCEPTED | INVALID PIN USE THE NEW PIN |
| 57 | REVERSIBLE | TRANSACTION NOT ALLOWED FOR THIS CARD | TRANSACTION NOT ALLOWED FOR THIS CARD |
| 57 | REVERSIBLE | TEMPORARY BLOCK (E.G. DELINQUENCY) | CONTACT YOUR CARD ISSUER |
| 57 | REVERSIBLE | NEW CARD NOT UNBLOCKED (INCLUDES CARD BLOCKED BY THE CUSTOMER IN THE APP - E-COM NFC) | UNBLOCK THE CARD |
| 58 | IRREVERSIBLE | TRANSACTION NOT ALLOWED BY TERMINAL CAPABILITY | TRANSACTION NOT ALLOWED - DO NOT RETRY |
| 61 | REVERSIBLE | AMOUNT EXCEEDED / WITHDRAWAL | AMOUNT EXCEEDED. CONTACT YOUR CARD ISSUER |
| 62 | IRREVERSIBLE | DOMESTIC CARD - INTERNATIONAL TRANSACTION | CARD DOES NOT ALLOW INTERNATIONAL TRANSACTIONS |
| 62 | IRREVERSIBLE | TRANSACTION DENIED DUE TO LAW VIOLATION | TRANSACTION NOT ALLOWED FOR THIS CARD - DO NOT RETRY |
| 62 | IRREVERSIBLE | ACCOUNT CLOSED | TRANSACTION NOT ALLOWED FOR THIS CARD - DO NOT RETRY |
| 63 | REVERSIBLE | SECURITY VIOLATION (INVALID OR NOT PRESENT) | CHECK THE CARD DATA |
| 63 | REVERSIBLE | SUSPECTED FRAUD/TRAVEL NOTICE | CONTACT YOUR CARD ISSUER |
| 65 | REVERSIBLE | NUMBER OF WITHDRAWALS EXCEEDED | NUMBER OF WITHDRAWALS EXCEEDED. CONTACT YOUR CARD ISSUER |
| 75 | REVERSIBLE | PIN ATTEMPTS EXCEEDED / WITHDRAWAL | PIN ATTEMPTS EXCEEDED. CONTACT YOUR CARD ISSUER |
| 88 | IRREVERSIBLE | EXPIRED PIN / PIN ENCRYPTION ERROR | INVALID PIN - DO NOT RETRY |
| 88 | IRREVERSIBLE | INVALID CARD (cryptogram) | CARD ERROR - DO NOT RETRY |
| 91 | REVERSIBLE | ISSUER UNAVAILABLE | COMMUNICATION FAILURE - TRY AGAIN LATER |
| 92 | IRREVERSIBLE | NOT FOUND BY THE ROUTER | CONTACT YOUR CARD ISSUER - DO NOT RETRY |
| 94 | IRREVERSIBLE | DUPLICATE TRACING DATA VALUE | CONTACT YOUR CARD ISSUER - DO NOT RETRY |
| 96 | REVERSIBLE | SYSTEM FAILURE | COMMUNICATION FAILURE - TRY AGAIN LATER |
Amex network
American Express| ABECS code | AMEX to PayZu mapping | Code type | Message | POS/E-commerce message |
|---|---|---|---|---|
| 100 | FA | REVERSIBLE | GENERIC | CONTACT YOUR CARD ISSUER |
| 100 | FA | REVERSIBLE | SUSPECTED FRAUD/TRAVEL NOTICE | CONTACT YOUR CARD ISSUER |
| 101 | BV | IRREVERSIBLE | EXPIRED CARD / INVALID EXPIRATION DATE | CHECK THE CARD DATA |
| 106 | A4 | REVERSIBLE | PIN ATTEMPTS EXCEEDED / PURCHASES | PIN ATTEMPTS EXCEEDED. CONTACT YOUR CARD ISSUER |
| 106 | A4 | REVERSIBLE | PIN ATTEMPTS EXCEEDED / WITHDRAWAL | PIN ATTEMPTS EXCEEDED. CONTACT YOUR CARD ISSUER |
| 109 | DA | IRREVERSIBLE | INVALID MERCHANT | TRANSACTION NOT ALLOWED - DO NOT RETRY |
| 110 | JB | IRREVERSIBLE | INVALID TRANSACTION AMOUNT | TRANSACTION AMOUNT NOT ALLOWED - DO NOT RETRY |
| 115 | A2 | IRREVERSIBLE | CARD ERROR | CHECK THE CARD DATA |
| 115 | A2 | IRREVERSIBLE | INVALID INSTALLMENT AMOUNT | INVALID INSTALLMENT PLAN - DO NOT RETRY |
| 116 | A5 | REVERSIBLE | INSUFFICIENT BALANCE/LIMIT | NOT AUTHORIZED |
| 117 | A6 | REVERSIBLE | INVALID PIN | INVALID PIN |
| 121 | A5 | REVERSIBLE | INSUFFICIENT BALANCE/LIMIT | NOT AUTHORIZED |
| 122 | 8 | IRREVERSIBLE | CARD NUMBER DOES NOT BELONG TO THE ISSUER / INVALID CARD NUMBER | CHECK THE CARD DATA |
| 122 | 8 | IRREVERSIBLE | SECURITY VIOLATION (INVALID OR NOT PRESENT) | CHECK THE CARD DATA |
| 180 | A7 | IRREVERSIBLE | EXPIRED PIN / PIN ENCRYPTION ERROR | INVALID PIN - DO NOT RETRY |
| 180 | A7 | IRREVERSIBLE | INVALID CARD (cryptogram) | CARD ERROR - DO NOT RETRY |
| 181 | A3 | IRREVERSIBLE | FORMAT ERROR (MESSAGING) | CARD ERROR - DO NOT RETRY |
| 200 | N/A | IRREVERSIBLE | TRANSACTION NOT ALLOWED FOR THIS CARD | TRANSACTION NOT ALLOWED FOR THIS CARD - DO NOT RETRY |
| 200 | FD | IRREVERSIBLE | LOST CARD | TRANSACTION NOT ALLOWED - DO NOT RETRY |
| 200 | FD | IRREVERSIBLE | STOLEN CARD | TRANSACTION NOT ALLOWED - DO NOT RETRY |
| 200 | FD | IRREVERSIBLE | CONFIRMED FRAUD | TRANSACTION NOT ALLOWED FOR THIS CARD - DO NOT RETRY |
| 911 | AE | REVERSIBLE | SYSTEM FAILURE | COMMUNICATION FAILURE - TRY AGAIN LATER |
| 912 | A1 | REVERSIBLE | ISSUER UNAVAILABLE | COMMUNICATION FAILURE - TRY AGAIN LATER |