00 = Approved by Financial Institution
01 = Refer to Financial Institution
02 = Refer to Financial Institution, Special Condition
03 = Invalid Merchant
04 = Pick-up card
05 = Do Not Honor
06 = Error
07 = Pick-Up Card, Special Condition
08 = Honor with Identification
09 = Request in Progress
10 = Approved by Financial Institution
11 = Approved by Financial Institution
12 = Invalid Transaction
13 = Invalid Amount
14 = Invalid Card Number
15 = No Such Financial Institution
16 = Approved by Financial Institution, Update Track 3
17 = Customer Cancellation
18 = Customer Dispute
19 = Re-enter Transaction
20 = Invalid Response from Financial Institution
21 = No Action Taken by Financial Institution
22 = Suspected Malfunction
23 = Unacceptable Transaction Fee
24 = File Update not Supported
25 = Unable to Locate Record
26 = Duplicate Record
27 = File Update Field Edit Error
28 = File Update File Locked
29 = File Update Failed
30 = Format Error
31 = Bank Not Supported
32 = Completed Partially by Financial Institution
33 = Expired Card, Pick-Up
34 = Suspected Fraud, Pick-Up
35 = Contact Acquirer, Pick-Up
36 = Restricted Card, Pick-Up
37 = Call Acquirer Security, Pick-Up
38 = PIN Tries Exceeded, Pick-Up
39 = No Credit Account
40 = Function not Supported
41 = Lost Card, Pick-Up
42 = No Universal Account
43 = Stolen Card, Pick-UpStolen Card, Pick-Up
44 = No Investment Account
51 = Insufficient Funds
52 = No Check Account
53 = No Savings Account
54 = Expired Card
55 = Incorrect PIN
56 = No Card Record
57 = Transaction not Permitted to Cardholder
58 = Transaction not Permitted on Terminal
59 = Suspected Fraud
60 = Contact Acquirer
61 = Exceeds Withdrawal Limit
62 = Restricted Card
63 = Security Violation
64 = Original Amount Incorrect
65 = Exceeds withdrawal frequency
66 = Call Acquirer Security
67 = Hard Capture
68 = Response Received Too Late
75 = PIN tries exceeded
76 = Reserved for Future Postilion Use
77 = Intervene, Bank Approval Required
78 = Intervene, Bank Approval Required for Partial Amount
79 = Invalid Digital Signature
88 =  Information not on file
90 = Cut-off in Progress
91 = Issuer or Switch Inoperative
92 = Routing Error
93 = Violation of law
94 = Duplicate Transaction
95 = Reconcile Error
96 = System Malfunction
98 = Exceeds Cash Limit
A8 = Stock has finished
A9 = Incorrect Phone Number
E19 = An invalid response was received from remote host, please contact system administrator.
E10 = Missing service identifier: You have not specify a service provider for this request, please specify a valid service identifier.
E11 = Missing transaction type: You have not specify a transaction type for this request, please specify a valid transaction type
E12 = Missing authentication credentials. Security token header might be missing.
E18 = The service provider is unreachable at the moment
E20 = Request as timed out
E21 = An unknown error has occurred, please contact system administrator.
E26 = Singature failed for this request.
E34 = System busy
E35 = Invalid provider request
E42 = invalid auth data error. Pan or expiry date is empty.
E48 = Invalid OTP identifier code
E49 = Invalid AuthDataVersion code
E54 = Could not get response from HSM
E56 = The PAN contains an invalid character
E57 = The PIN contains an invalid character
E60 = Invalid merchant code
E61 = Invalid payable  code
AC  = Unknown
CI  = Unknown 
EM  = Unknown
F4  = Unknown
F5  = Unknown 
G3  = Unknown
G4  = Unknown
H4  = Unknown
N0  = Unable to authorise