| 00 | Approved/completed/recorded successfully | 40 | Function not supported |
| 01 | Refer to card issuer | 41 | Payment token blocked |
| 02 | Refer to card issuer, special condition | 42 | No universal account |
| 03 | Invalid merchant | 43 | Stolen card |
| 04 | Pick up card | 44 | No investment account |
| 05 | Do not honour | 45 | Account closed |
| 06 | Error | 51 | Insufficient funds |
| 07 | Pick up card, special condition | 52 | No cheque account |
| 08 | Honour with identification | 53 | No savings account |
| 09 | Request in progress | 54 | Payment token expired * |
| 10 | Approved, partial | 55 | Incorrect PIN |
| 11 | Approved, VIP | 56 | Payment token not found |
| 12 | Invalid transaction | 57 | Transaction not permitted to cardholder |
| 13 | Invalid amount | 58 | Transaction not permitted on terminal |
| 14 | Invalid card number | 59 | Suspected fraud |
| 15 | No such issuer | 60 | Contact acquirer |
| 16 | Approved, update Track 3 | 61 | Exceeds withdrawal limit |
| 17 | Customer cancellation | 62 | Maximum number of payment tokens in digital wallet exceeded |
| 18 | Customer dispute | 63 | Security violation |
| 19 | Re-enter transaction | 64 | Original amount incorrect |
| 20 | Invalid response | 65 | Exceeds withdrawal frequency |
| 21 | No action taken | 66 | Call acquirer security |
| 22 | Suspected malfunction | 67 | Hard capture |
| 23 | Unacceptable transaction fee | 68 | Response received too late |
| 24 | File update not supported | 75 | PIN tries exceeded |
| 25 | Unable to locate record | 77 | Intervene, bank approval required |
| 26 | Duplicate payment token in digital wallet | 78 | Intervene, bank approval required for partial amount |
| 27 | File update edit error | 90 | Cut-off in progress |
| 28 | File update file locked | 91 | Issuer or switch inoperative |
| 30 | File update failed | 92 | Routing error |
| 31 | Bank not supported | 93 | Violation of law |
| 32 | Completed partially | 94 | Duplicate transaction |
| 33 | Expired card, pick up | 95 | Reconciliation error |
| 34 | Suspected fraud, pick up | 96 | System malfunction |
| 35 | Contact acquirer, pick up | 97 | Cancelled by operator |
| 36 | Restricted card, pick up | 98 | Exceeds cash limit |
| 37 | Call acquirer security, pick up | AE | Message sequence error |
| 38 | PIN tries exceeded, pick up | A0-ZZ | Further error codes pertaining to Base 24 (BIC) ISO and VodaPay Gateway switch functionality |
| 39 | No credit account | | |