Transaction Result Codes
  • 13 Mar 2025
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Transaction Result Codes

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Article summary

Transaction Result & Typical Bank Message Handling

The following section provides defined Transaction Result Codes and description to aid in the appropriate handling of the payment journey. The first section provides the expected result codes both for Direct Connect and Hosted Payment Page (referred to Redirect Result Codes). Whereas the second section is intended to provide some high-level guidance on how to interpret the values Bank Message attribute in the response.

Direct Connect Result Codes

Bank ResponseDescription
APPROVEDSuccessful result code for Authorization Deposits
CAPTUREDSuccessful result code for Purchase Deposits and for Successful Refunds / Captures
VOIDEDSuccessful result code for Voided Transactions
ENROLLED(Only Used when the Card is 3Dsecure Enrolled, Needs Verification with Visa/MasterCard, More details about this result in the 3DSecure section)
CHALLENGEOnly Used when the Card is 3Dsecure Enrolled, Needs Verification with Visa/MasterCard, More details about this result in the 3DSecure section)
DECLINEDFor Declined Result Codes, description may vary depending on the acquirers. Any result code which is not included above, treat it as a declined result.
Page TimeoutThis error is returned when a user either abandons the payment page or allows the payment page session (10 minutes) to expire

Redirect Result Codes

Bank ResponseDescription
OKResult Code for Successful Payment
PENDINGResult code for Pending Payment
NOTOKResult Code for Declined Payment
DECLINEDResult Code for Declined Payment
Page TimeoutResult Code for Declined Payment

Bank Messages

As a general guide, any Bank Message starting with a C*** - are result codes for transactions that are failing Platform level validation B*** - are transactions being declined from the Provider and M*** - are MPI level responses that are of value escalating externally. This scheme is intended to allow us to handle multiple providers and retain the capability to provide the required information for appropriate troubleshooting and escalation.

Some Examples are listed in the table hereunder:

Sample Messages
B05 - Do not honor Decline
B14 - Invalid card number Decline
B30 - Format error Decline
B51 - Insufficient funds/over credit limit
B57 - Transaction not permitted to issuer/cardholder
B58 - Transaction not permitted to acquirer/terminal
B61 - Exceeds withdrawal amount limit
C000 - Transaction Rejected
C002 - Missing Brand / Acquirer configuration
M001 - Transaction Failed Authentication

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