Network response codes returned when an authorization fails at the network or beyond.
Learn about each Response Code (RC) from various Card Networks.
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*Upon receiving a networkRC of 82 and a MAC code of 01, the account will be added to the Account Updater batch. Coming Soon.
Network Response Codes
| Network Response Code (RC) | Grouping | ISO Reason | Category Code (Visa)* | Issuer's Reasons for Failure (mostly) | Action Required |
|---|---|---|---|---|---|
| 00 | Approvals | Approved or completed successfully. | |||
| 01 | Referral Responses | Refer to card Issuer. For referral transactions/services, where the merchant/TabaPay is required to call the issuer to complete the transaction: | Referral transactions are rarely used as the probability of the merchant calling the issuer is very low. | Cardholder should contact the issuing bank | |
| 02 | Refer to card issuers special conditions. | ||||
| 03 | Policy Declines | Invalid Merchant. The card is not valid to be used at this Merchant or MCC. | 2 - Issuer cannot approve at this time | Used when the Issuer or cardholder has restricted the card or product
definition to not allow usage at Merchant Category Code (MCC). May be used for regulatory restrictions preventing transactions at certain types of Merchants such as gambling, etc. |