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Heartland Portico  (real-time) Response Codes:



Transaction Responses   
Code Type Message EON Payments Code
00 Good Approval A01
86 Good Card OK. A01
10 Good Partial approval. A05
61 Soft Decline D01
65 Soft Decline, activity limit D01
86 Soft Cant verify PIN. D01
62 Soft Decline D01
51 Soft Decline, insufficient funds. D01
02 Soft Call D01
91 Soft No reply. D01
05 Soft Decline , do not honor. D01
63 Soft Sec violation. D01
44 Hard Hold-card, pick up card. D04
04 Hard Hold-call, retain card. D04
07 Hard Hold-call D04
14 Hard Card No. Error. D05
78 Hard No account. D05
56 Hard Invalid card. D06
15 Hard No such issuer. D06
52 Hard No check account. D06
53 Hard No save account. D06
55 Soft Wrong PIN D07
N7 Soft CVV2 mismatch. D08
41 Hard Hold-call, lost card. D10
43 Hard Hold-card, stolen card. D10
58 Soft Serv not allowed D12
54 Hard Expired card D16
19 Soft Re enter, reenter transaction. D17
13 Soft Amount error. D18
75 Soft PIN exceeded. D21
03 Hard Term ID error D27
76 Hard No action taken. D27
21 Hard No action taken D27
96 Hard System error. D27
06 Hard Error, merchant closed, no match. D27
80 Hard Date error. D27
12 Hard Invalid trans. D27
77 Hard No action taken D27
EB Hard Check digit err. D27
EC Hard CID format error. D27
82 Soft Cashback no app. D28
57 Soft Serv not allowed D33

CSC Responses   
Code Message EON Payments Code
M CVV Match M
N CVV No Match N
P Not Processed P
S Should Have Been Present S
U Issuer is not certified and/or has not provided VISA encryption keys. U

AVS Responses   
Code Message EON Payments Code

Visa
R Retry - system unable to respond 00
I Address information not verified for International transaction 40
G Address information not verified for International transaction 40
U No data from Issuer/auth system 40
N Neither address or ZIP code match 45
C Address and postal code not verified due to incompatible formats (international address) 45
Z 9 digit ZIP code match, address does not match 47
P Postal code match. Street address not verified due to incompatible formats (international address) 47
B Address match, postal code not verified due to incompatible formats (international address) 4D
A Address matches, ZIP code does not 4D
M Street address and postal code matches 4F
D Street address and postal code match (international address) 4F
Y 9 digit ZIP and address match 4F
U ABS not supported 80

MasterCard
R Retry - system unable to respond 00
U No data from Issuer/auth system 40
N Neither address or ZIP code match 45
Z 5 digit ZIP code match, address does not match 46
W 9 digit ZIP code match, address does not match 47
A Address matches, ZIP code does not 4D
Y 5 digit ZIP and address match 4E
X 9 digit ZIP and address match 4F
S ABS not supported 80

Amex
R Retry - system unable to respond 00
U No data from Issuer/auth system 40
N Neither address or ZIP code match 45
Z 5 digit ZIP code match, address does not match 46
W 9 digit ZIP code match, address does not match 47
A Address matches, ZIP code does not 4D
Y 5 digit ZIP and address match 4E
X 9 digit ZIP and address match 4F
S ABS not supported 80

Discover
R Retry - system unable to respond 00
U No data from Issuer/auth system 40
I Address information not verified for International transaction 40
G Address information not verified for International transaction 40
C Address and postal code not verified due to incompatible formats (international address) 45
N Neither address or ZIP code match 45
P Postal code match. Street address not verified due to incompatible formats (international address) 47
Z 9 digit ZIP code match, address does not match 47
A Address matches, ZIP code does not 4D
B Address match, postal code not verified due to incompatible formats (international address) 4D
D Street address and postal code match (international address) 4F
Y 9 digit ZIP and address match 4F
M Street address and postal code matches 4F
U ABS not supported 80

Transaction Responses   
Code Type Message EON Payments Code
0 Good OK A01
+8 Hard Bad track data D05
+14 Hard Invalid card number D05
+2 Soft Duplicate transactions D09
+20 Soft Database operation time out D12
+19 Soft Invalid Reversal Amount D18
+38 Soft Invalid auth amount D18
+6 Soft Invalid return amount D18
-21 Soft Unauthorized D20
-2 Soft Authentication error D20
+32 Hard Missing KTB error D27
+7 Hard Invalid report parameters D27
+10 Hard Empty report D27
+35 Hard Device setting error D27
+24 Hard Transaction Error D27
+27 Hard Transaction Error D27
+17 Hard Invalid encryption version D27
+13 Hard Invalid edit data D27
+5 Hard No current batch D27
-1 Hard Portico Gateway error D27
+33 Hard Missing KSN error D27
+25 Hard Transaction Error D27
+15 Hard Batch close in progress D27
+11 Hard Original transaction not CPC D27
+3 Hard Invalid original transaction D27
+36 Hard Invalid Original Txn for Repeat D27
+30 Hard Transaction Error D27
+18 Hard E3 MSR failure D27
+9 Hard No transaction associated with batch D27
+1 Hard Gateway system error D27
+34 Hard Invalid data received D27
+23 Hard Transaction Error D27
+37 Hard Missing element D27
+26 Hard Transaction Error D27
+16 Hard Invalid Ship Date D27
+12 Hard Invalid CPC data D27
+4 Hard Transaction already associated with batch D27

Transaction Responses   
Code Type Message EON Payments Code
0 Good OK — transaction successful. A01
13 Good Partial Approval A05
6 Soft Card already active. D01
12 Soft Do not honor D01
5 Soft Insufficient funds. D03
8 Hard Inactive card. D05
3 Hard Invalid card. D05
14 Soft RequestError Subject 'InvalidPin'. D07
7 Soft Duplicate transaction. D09
4 Hard Deactivated card. D16
9 Soft Invalid amount. D18
15 Soft ProfileError D20
2 Hard System unavailable. Retry transaction. D27
10 Hard Cannot void D27
11 Hard Unknown error D27
1 Hard System error. Retry transaction. D27

Groups

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Heartland Portico  (real-time) Response Codes:



Transaction Responses   
Code Type Message EON Payments Code
00 Good Approval A01
86 Good Card OK. A01
10 Good Partial approval. A05
61 Soft Decline D01
65 Soft Decline, activity limit D01
86 Soft Cant verify PIN. D01
62 Soft Decline D01
51 Soft Decline, insufficient funds. D01
02 Soft Call D01
91 Soft No reply. D01
05 Soft Decline , do not honor. D01
63 Soft Sec violation. D01
44 Hard Hold-card, pick up card. D04
04 Hard Hold-call, retain card. D04
07 Hard Hold-call D04
14 Hard Card No. Error. D05
78 Hard No account. D05
56 Hard Invalid card. D06
15 Hard No such issuer. D06
52 Hard No check account. D06
53 Hard No save account. D06
55 Soft Wrong PIN D07
N7 Soft CVV2 mismatch. D08
41 Hard Hold-call, lost card. D10
43 Hard Hold-card, stolen card. D10
58 Soft Serv not allowed D12
54 Hard Expired card D16
19 Soft Re enter, reenter transaction. D17
13 Soft Amount error. D18
75 Soft PIN exceeded. D21
03 Hard Term ID error D27
76 Hard No action taken. D27
21 Hard No action taken D27
96 Hard System error. D27
06 Hard Error, merchant closed, no match. D27
80 Hard Date error. D27
12 Hard Invalid trans. D27
77 Hard No action taken D27
EB Hard Check digit err. D27
EC Hard CID format error. D27
82 Soft Cashback no app. D28
57 Soft Serv not allowed D33

CSC Responses   
Code Message EON Payments Code
M CVV Match M
N CVV No Match N
P Not Processed P
S Should Have Been Present S
U Issuer is not certified and/or has not provided VISA encryption keys. U

AVS Responses   
Code Message EON Payments Code

Visa
R Retry - system unable to respond 00
I Address information not verified for International transaction 40
G Address information not verified for International transaction 40
U No data from Issuer/auth system 40
N Neither address or ZIP code match 45
C Address and postal code not verified due to incompatible formats (international address) 45
Z 9 digit ZIP code match, address does not match 47
P Postal code match. Street address not verified due to incompatible formats (international address) 47
B Address match, postal code not verified due to incompatible formats (international address) 4D
A Address matches, ZIP code does not 4D
M Street address and postal code matches 4F
D Street address and postal code match (international address) 4F
Y 9 digit ZIP and address match 4F
U ABS not supported 80

MasterCard
R Retry - system unable to respond 00
U No data from Issuer/auth system 40
N Neither address or ZIP code match 45
Z 5 digit ZIP code match, address does not match 46
W 9 digit ZIP code match, address does not match 47
A Address matches, ZIP code does not 4D
Y 5 digit ZIP and address match 4E
X 9 digit ZIP and address match 4F
S ABS not supported 80

Amex
R Retry - system unable to respond 00
U No data from Issuer/auth system 40
N Neither address or ZIP code match 45
Z 5 digit ZIP code match, address does not match 46
W 9 digit ZIP code match, address does not match 47
A Address matches, ZIP code does not 4D
Y 5 digit ZIP and address match 4E
X 9 digit ZIP and address match 4F
S ABS not supported 80

Discover
R Retry - system unable to respond 00
U No data from Issuer/auth system 40
I Address information not verified for International transaction 40
G Address information not verified for International transaction 40
C Address and postal code not verified due to incompatible formats (international address) 45
N Neither address or ZIP code match 45
P Postal code match. Street address not verified due to incompatible formats (international address) 47
Z 9 digit ZIP code match, address does not match 47
A Address matches, ZIP code does not 4D
B Address match, postal code not verified due to incompatible formats (international address) 4D
D Street address and postal code match (international address) 4F
Y 9 digit ZIP and address match 4F
M Street address and postal code matches 4F
U ABS not supported 80

Transaction Responses   
Code Type Message EON Payments Code
0 Good OK A01
+8 Hard Bad track data D05
+14 Hard Invalid card number D05
+2 Soft Duplicate transactions D09
+20 Soft Database operation time out D12
+19 Soft Invalid Reversal Amount D18
+38 Soft Invalid auth amount D18
+6 Soft Invalid return amount D18
-21 Soft Unauthorized D20
-2 Soft Authentication error D20
+32 Hard Missing KTB error D27
+7 Hard Invalid report parameters D27
+10 Hard Empty report D27
+35 Hard Device setting error D27
+24 Hard Transaction Error D27
+27 Hard Transaction Error D27
+17 Hard Invalid encryption version D27
+13 Hard Invalid edit data D27
+5 Hard No current batch D27
-1 Hard Portico Gateway error D27
+33 Hard Missing KSN error D27
+25 Hard Transaction Error D27
+15 Hard Batch close in progress D27
+11 Hard Original transaction not CPC D27
+3 Hard Invalid original transaction D27
+36 Hard Invalid Original Txn for Repeat D27
+30 Hard Transaction Error D27
+18 Hard E3 MSR failure D27
+9 Hard No transaction associated with batch D27
+1 Hard Gateway system error D27
+34 Hard Invalid data received D27
+23 Hard Transaction Error D27
+37 Hard Missing element D27
+26 Hard Transaction Error D27
+16 Hard Invalid Ship Date D27
+12 Hard Invalid CPC data D27
+4 Hard Transaction already associated with batch D27

Transaction Responses   
Code Type Message EON Payments Code
0 Good OK — transaction successful. A01
13 Good Partial Approval A05
6 Soft Card already active. D01
12 Soft Do not honor D01
5 Soft Insufficient funds. D03
8 Hard Inactive card. D05
3 Hard Invalid card. D05
14 Soft RequestError Subject 'InvalidPin'. D07
7 Soft Duplicate transaction. D09
4 Hard Deactivated card. D16
9 Soft Invalid amount. D18
15 Soft ProfileError D20
2 Hard System unavailable. Retry transaction. D27
10 Hard Cannot void D27
11 Hard Unknown error D27
1 Hard System error. Retry transaction. D27

Provider Codes:   Hide

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