Indicates transaction Approval or Decline.
possible value of de39 are listed below:
| DE39 Value | Description | Decision |
|---|
| 0 |
Approved or complete completely |
Approve |
| 1 |
Refer to card issuer |
Call issuer |
| 3 |
Invalid Merchant |
Decline |
| 4 |
Capture card |
Capture |
| 5 |
Do not honor |
Decline |
| 8 |
Honor with Id |
Approve |
| 10 |
Partial Approval |
Approve |
| 12 |
Invalid transaction |
Decline |
| 13 |
Invalid Amount |
Decline |
| 14 |
Invalid account Number |
Decline |
| 15 |
Invalid Issuer |
Decline |
| 30 |
Format error |
Decline |
| 41 |
Lost card |
Capture |
| 43 |
Stolen card |
Capture |
| 51 |
Insufficient funds/over credit limit |
Decline |
| 54 |
Expire card |
Decline |
| 55 |
Invalid pin |
Decline |
| 57 |
transaction not permitted to issuer/cardholder |
Decline |
| 58 |
transaction not permitted to acquirer/terminal |
Decline |
| 61 |
Exceeds withdrawl amount limit |
Decline |
| 62 |
Restricted card |
Decline |
| 63 |
Security Violation |
Decline |
| 65 |
Exceeds withdrawl count limit |
Decline |
| 70 |
Contact card issuer |
card Issuer |
| 71 |
PIN Not Changed |
Decline |
| 75 |
Allowable number of PIN tries exceeded |
Decline |
| 76 |
Invalid/nonexistent 'To account' specified |
Decline |
| 77 |
Invalid/nonexistent 'From account' specified |
Decline |
| 78 |
Invalid/nonexistent account specified(general) |
Decline |
| 81 |
Domestic Debit transaction Not Allowed(Regional Use only) |
Decline |
| 84 |
Invalid Authorization Life Cycle |
Decline |
| 85 |
Not declined Valid for all zero amount |
Valid |
| 86 |
PIN Validation not possible |
Decline |
| 87 |
Purchase Amount Only,No Cash Back Allowed |
Approve |
| 88 |
Cryptographic Failure |
Decline |
| 89 |
Unacceptable PIN-transaction Declined-Retry |
Decline |
| 91 |
Authorization System or issuer system incorporate |
Decline |
| 92 |
Unable to route transaction |
Decline |
| 94 |
Duplicate transmission detected |
Decline |
| 96 |
System error |
Decline |
Eg.5 (Do not Honor) which means decline transaction
Source:Paymentology Confluence