Credit Card Authorization Code List

Two-digit numeric response codes: A 00 approval response or a decline respon

se code generated from the credit card processing networks and the customer's issuing credit card bank. This cannot be overridden without contacting the issuing bank or correcting a problem at the processor level. Two-digit alpha character response codes

The credit card authorization code confirms the transaction and forms the fi

rst line of defense against credit theft. When a merchant or store where you make a purchase contacts either a processor or your credit card company, the authorization code confirms that your transaction was processed and gives an approval or denial.

Here’s a detailed list of Merchant Category Codes (MCC). The list spells o

ut both Visa and Mastercard categories, and where they differ. MCC Codes For Visa/Mastercard (pdf) | Visa (pdf) | Mastercard (pfd). The document comes from Citibank based on how they code it in conjunction with Visa and Mastercard.

A code that is generated from five or six numbers by an issuing bank, the co

de being used to validate a credit card and approve it when a purchase or sale is made. Credit card authorization codes are unique to each separate transaction, and they are used to ensure a safe transaction and in order to avoid the occurrence of fraud.

Not on Credit Bureau BJ Previously Declined BK Closed Act, New Act Closed BL

Re-Authorization BM Re-Authorization ? No Match BN Re-Auth?Timeframes Exceeded BO Stand In Rules BP Cust Svc Ph# req on TranType1 BQ Issuer Flag Poss Fraud DI Only BR Invalid MCC Sent BS New Card Issued C1 Invalid Issuer C2 Invalid Response Code

Request a different card from a customer or ask them to contact their issuin

g bank. 54: Expired Card: The card is expired and no longer valid to use. Ask a customer to correct or switch the card. 56: No Card Record: The transaction is declined by the issuer, as the credit card number doesn’t exist. The customer should use a separate credit ...

Learn about Authorization code and how it relates to your personal finance n

eeds. ... If you apply for a credit card, the lender may use a different credit score when considering your application for credit. Essential news and expert tips in your inbox every week. First name Enter your email address Subscribe.

Credit card networks use MCCs to categorize and track purchases. When a purc

hase is added to your statement, the category assigned to it, such as “building materials” or “advertising services” is tied to the merchant category code. Major airlines and hotels each have their own MCC code. List of merchant category codes

QUICK REFERENCE GUIDE Voice Authorization Get credit card authorizations usi

ng any touch-tone telephone – enter the authorization codes when your POS system is ready. Page 2: Table Of Contents Chase Paymentech IVR System Menu ... . 3 Chase Paymentech System ..... 4 Other Systems . Page 3: Chase Paymentech Ivr System Menu 1.

If either is available, the cardholder’s bank will transmit an authorizati

on code back to the merchant bank signaling it is okay for the transaction to be approved. This code is generally a six-digit number unique to the transaction and account so it may be used as an indication of a successful transaction in credit card processing.

ISO 8583 is an international standard for financial transaction card origina

ted interchange messaging. It is the International Organization for Standardization standard for systems that exchange electronic transactions initiated by cardholders using payment cards.. ISO 8583 defines a message format and a communication flow so that different systems can exchange these transaction requests and ...

Credit Card Issuer Response Codes. Credit Cards can be declined for numerous

reasons. Here are the most common codes along with the response reason. ... Invalid authorization life cycle 23 Unacceptable Transaction Fee 85 No reason to decline 24 ...

An authorization code simply identifies that the amount of credit requested

for that particular transaction is available on the card at the time of the sale. An authorization code does not protect you in the event of a chargeback regarding unauthorized transactions or disputes involving the quality or delivery of goods and services.

Having these credit card decline codes on hand helps you provide better cust

omer service by way of a more thoughtful and thorough explanation. We’ve compiled a list of the most common denial reasons below, and if you can’t find the code here, we recommend contacting your POS provider directly. List of common credit card declined codes

If your business takes credit cards, you are processing payments numerous ti

mes a day. It goes without saying that, sooner rather than later, a customer’s card will be declined. Because this can happen for a number of reasons, it makes sense to understand these codes in order to know how to proceed.

Credit card number. Card expiration date. Purchase amount. You'll be given a

voice authorization code. Write this number down. When you process the charge, select the Voice authorization code checkbox, then enter the code in the space provided. Complete the other required fields (marked with an *). Click Submit.

Call the 800 number listed on the back of the customer’s credit card. Ask

the issuing bank for a six-digit authorization code for your transaction. Once you have logged in, click the Process icon on the left-hand side of the page.

Code Description; 01: Visa credit: 02: Visa debit: 03: Visa prepaid: 04: Cas

h: 05: Debit/deposit access accounts other than those linked to a Visa card (includes checking/savings accounts and proprietary debit/ATM cards) 06: Credit accounts other than those linked to a Visa card (includes credit cards and proprietary credit lines)

Credit Card Authorization Response Codes. The Payment Service authorizes a c

redit card transaction and sends a response message. The message contains an authorization response code that indicates whether the transaction was approved, timed out, or declined.

G-1450, Authorization for Credit Card Transactions Use this form to pay fees

for any form processed at a USCIS Lockbox . You may pay your filing fee and biometric services fee, if applicable, with a credit card issued by a U.S. bank, at no additional cost.

A Code 10 authorization request is a great fraud prevention tool. If merchan

ts fail to action their suspicions, fraudsters can use lost or stolen credit cards to go on grand shopping sprees that result in numerous chargebacks once the illicit spending is discovered. By validating fraud with an authorization request, merchants can prevent these unauthorized purchases so chargebacks aren’t ...

When a payment card authorization request is made to verify the legitimacy o

f a transaction, a token might be returned to the merchant instead of the card number, along with the authorization code for the transaction. The token is stored in the receiving system while the actual cardholder data is mapped to the token in a secure tokenization system.

A credit card authorization form is a document, signed by a cardholder, that

grants a merchant permission to charge their credit card for a period of time as written in that document. The form is often used to give businesses the ongoing authority to charge the cardholder on a recurring basis — whether that’s monthly, quarterly, or more ...

The EMV chips embedded in modern credit cards operate on the same general pr

inciple. The chips generate a unique, one-time-use code for each purchase.

Reason codes are created by the major card networks: American Express, Disco

ver, MasterCard, and Visa. Other payment service providers, like Braintree, Stripe and PayPal, have their own categorization of reason codes. However, the disputes themselves are still categorized by the issuing bank based on the card network issuing the payment card.

The authorization code is a number that confirms your debit or credit card t

ransaction is approved. For this reason, it is also referred to as an "Approval Code." The number can be numeric or alphanumeric, and is usually six to seven digits in length. An authorization code appears on the merchant's receipt printout.

Authorization Approval Code The numerical code designated by the issuer, ass

igned to a sales transaction as verification that the sale is authorized. Authorization Only (Auth Only) Used to reserve an amount against a credit card's available credit limit for intended purchases.

Also known as a force, a capture is the second step after a credit card pre-

authorization. For a capture to be successful, it must include the original approval code generated by the pre-authorization. Captures can be completed up to 30 days after the original pre-authorization, but funds are only frozen for the first 7 days. ...

Credit card declined codes can appear for many reasons. They can occur becau

se an activity limit on your card was hit, or because a purchase on your card was deemed as suspicious. Whatever the reason for your card getting declined, they are a way of tracking payments that aren’t checking the required boxes in order to achieve a successful ...

Authorization Code: An authorization code is an alphanumeric password that t

hat identifies the user as authorized to purchase, sell or transfer items, or to enter information into a security ...

INVALID ICC DATA—Required data for processing chip transactions was missin

g from the authorization request or data could not be parsed. 41: HOLD-CALL—Lost card. 43: HOLD-CALL—Stolen card. 44: HOLD-CALL—Pick up card. 51: DECLINE—Insufficient funds. 52: NO CHECK ACCOUNT. Occurs when the debit/check card being attempted is not linked to ...

The credit card authorization code represents the five or six numbers genera

ted by an issuing bank, or the bank of a buyer using a credit card, for the purpose of validating a credit card whenever it is approved in the sale of a good or a service. How Does a Credit Card Authorization Code Work?

Definition: Credit card authorization is an approval from a card issuer, usu

ally through a credit card processor, that the customer has sufficient funds to cover the cost of the transaction.It can also refer to the procedure of acquiring that authorization from the issuer. How does online credit card authorization work?

To remove an authorization, contact your bank to clarify how long they hold

authorizations for online orders. An order was placed by a family member, friend, or co-worker with access to your card number. Additional cards are associated with the credit or debit account. A back-ordered or pre-ordered item shipped. A gift order shipped.

Basic elements of a credit card authorization template. A credit card author

ization form is a legal document. The cardholder signs it to grant permission to the business to charge their debit or credit card. You can use it for a single transaction or for recurring charges on the card.

The following table contains the response codes you may expect to see when p

rocessing your payment. These codes are taken from Chase Paymentech's On-Line documentation. Please be advised that new codes are added from time to time so it is possible to receive a response code that is not in this list.

The merchant may receive an authorization code indicating a flat denial. Typ

ical reasons for this include: There are not enough funds in the account (for a debit card transaction) or the within the credit limit (for credit cards) to complete the transaction. The credit card has expired.

This is important for you to know to avoid an unpleasant experience for your

customer. Let’s say your customer has a $1000 credit limit and they owe nothing on the card. You place a $750.00 “pre-auth” on their card. Their credit limit is reduced to $250.00 once you receive an “Approval Code” for later use.

Contact Details; Voice Authorizations Center: 1 (866) 508-5855: Elavon Visa/

Mastercard Merchant ID: starts with 801 or 802 or 803

A credit card authorization form allows a 3rd party to make a payment by usi

ng a person’s written consent and credit card information. This can either be for a 1-time charge or recurring (weekly, monthly, etc). This is a common procedure when an individual authorizes a subscription that renews on a monthly basis (such as gym memberships, monthly rent, etc.).

Invalid card number: The credit card number that was sent to the host comput

er was invalid: 1016: Invalid expiry date: The card has expired or the expiration date was invalid. 1017: Invalid amount: The dollar amount was less than 1.00 or greater than the maximum allowed for this card. 1018: not used 1019: Invalid state: The state code was ...

Merchants obtain authorization when a customer presents a credit card to use

for payment. After the merchant runs the credit card through the processing system, he receives an authorization code, usually two to six digits in length, from the financial institution indicating whether the credit card is approved for the sale amount or denied.

Voice Perform a voice authorization per instructions provided by Chase Payme

ntech Wait Wait 2-3 days before resending or try to resolve with the customer Response Codes:

Batch Credit Card Processing: The process of a merchant processing all of it

s authorized credit card transactions for the day after the close of business or at a time determined by the credit card ...