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ISO 8583 DE39 Response Codes: Full Reference
DE39 (Response Code) is the issuer's/network's final verdict on a transaction β two characters. 00 = approved; everything else is a decline or advice reason. Below is the full table (standard codes plus common scheme extensions), sorted by code for quick lookup.
Numeric codes 00β96
| DE39 | Meaning |
|---|
00 | Approved / completed |
01 | Refer to card issuer |
02 | Refer to 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 |
10 | Partial approval |
11 | Approved (VIP) |
12 | Invalid transaction |
13 | Invalid amount |
14 | Invalid card number |
15 | No such issuer |
19 | Re-enter transaction |
20 | Invalid response |
21 | No action taken |
22 | Suspected malfunction |
25 | Unable to locate record |
28 | File temporarily unavailable |
30 | Format error |
31 | Bank not supported by switch |
33 | Expired card, pick up |
34 | Suspected fraud, pick up |
36 | Restricted card, pick up |
38 | Allowable PIN tries exceeded, pick up |
39 | No credit account |
40 | Requested function not supported |
41 | Lost card, pick up |
43 | Stolen card, pick up |
51 | Insufficient funds |
52 | No checking 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 to terminal |
59 | Suspected fraud |
60 | Contact acquirer |
61 | Exceeds withdrawal amount limit |
62 | Restricted card |
63 | Security violation |
65 | Exceeds withdrawal frequency / SCA required |
68 | Response received too late |
75 | Allowable PIN tries exceeded |
76 | Unable to locate account / original |
77 | Inconsistent data, reconcile error |
78 | Blocked, first use / inactive account |
79 | Already reversed |
80 | Invalid date / no action |
81 | PIN cryptographic error |
82 | CVV failed / issuer unavailable |
83 | Unable to verify PIN |
84 | Invalid authorization life cycle |
85 | No reason to decline / account verified |
86 | Cannot verify PIN |
87 | Purchase amount only, no cashback |
88 | Cryptographic failure |
89 | Authentication failure |
91 | Issuer or switch inoperative |
92 | Unable to route / no routing to issuer |
93 | Cannot complete, violation of law |
94 | Duplicate transmission |
96 | System malfunction |
Letter codes (common scheme extensions)
| DE39 | Meaning |
|---|
N0 | Force STIP / SCA |
N3 | Cash service not available |
N4 | Cash request exceeds issuer limit |
N7 | Decline for CVV2 failure |
P2 | Invalid biller information |
Q1 | Card authentication failed |
R0 | Stop payment order |
R1 | Revocation of authorization order |
R3 | Revocation of all authorizations |
Z1 | Offline declined |
Z3 | Unable to go online, offline declined |
On coverage: the core numeric codes (00β96) are defined by ISO 8583 and are largely consistent across schemes; letter codes (N/P/Q/R/Z series) are scheme extensions and a few meanings may vary slightly β always defer to the specific scheme spec for edge cases.
Response code β block code: DE39 is the result of a single transaction (standard, public). A "block code" is an issuer-proprietary status on a card or account β not a standard ISO 8583 field, defined per institution, and out of scope here. Don't conflate the two.
Soft vs hard declines: soft declines (51/91/96 β¦) are temporary and may be retried per policy; hard declines (14/41/54/57/59 β¦) mean this card/txn simply won't work β retrying wastes attempts and can trip fraud controls. Always classify by code before auto-retrying.
π Want to see DE39 in a live message? Open the parser tool and paste one β it auto-translates DE39. Related: ISO 8583 field quick reference.