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What are Streamline Enhanced Response Codes?

Doc ID:    C1788
Version:    2.0
Status:    Published
Published date:    09/22/2017
Updated:    09/22/2017


Streamline Enhanced Response Codes give the ability to differentiate between Approved, Declined, Referred, Pick-Up Card and Security Failure responses.

Providing merchants with a more granular set of response codes – particularly when a transaction is declined, similar to those supplied by card issuers and schemes – enables retailers to increase sale completion rates and therefore see an uplift in business via card payments.

In order for merchants to receive the Enhanced Response Codes, they must contact Streamline/WorldPay to request the feature to be enabled for a given Merchant ID. No change is required by CyberSource.

Further details on CyberSource Reason Codes (RCODE) can be found in What does this response - reason code or reply flag mean?

The table below gives a full list of response codes that can be received by merchants when Enhanced Response Codes are enabled:

Response Code
Streamline Definition Cybersource
0 Approved or completed successfully  SOK 100
1 Refer to card issuer  DCALL 201
2 Refer to card issuer, special condition  DCALL 201
3 Invalid merchant or service provider  DCARDREFUSED 203
4 Capture card  DCARDREFUSED 203
5 Do not honour  DCARDREFUSED 203
7 Pickup card, special condition  (other than lost/stolen card)  DCARDREFUSED 203
8 Transaction approved with ID  SOK 100
9 Request in progress  DCARDREFUSED 203
10 Partial Approval  SPARTIALAPPROVAL 110
11 Approval  SOK 100
12 Invalid transaction  DCARDREFUSED 203
13 Invalid amount (currency conversion field overflow);  or amount exceeds maximum for card program  DINVALIDDATA 102
14 Invalid account number (no such number)  DINVALIDCARD 231
15 Invalid issuer  DINVALIDDATA 102
19 Re-enter transaction  DCARDREFUSED 203
21 No action taken  (unable to back out prior transaction)  DCARDREFUSED 203
25 Unable to locate record in file, or account number is missing from the inquiry  ESYSTEM 0
28 File is temporarily unavailable  ESYSTEM 0
30 Format error  ESYSTEM 0
39 No credit account  DCARDREFUSED 203
41 Pickup card (lost card)  DCARDREFUSED 203
43 Pickup card (stolen card)  DCARDREFUSED 203
51 Insufficient funds  DCARDREFUSED 203
52 No checking account  ESYSTEM 0
53 No savings account  ESYSTEM 0
54 Expired card  DCARDEXPIRED 202
55 Invalid PIN  DCARDREFUSED 203
57 Transaction not permitted to issuer/cardholder  DCARDREFUSED 203
58 Transaction not permitted to acquirer/terminal  DCARDREFUSED 203
59 Suspected fraud  DCARDREFUSED 203
61 Exceeds withdrawal amount limit  DCARDREFUSED 203
62 Restricted card (for example, in Country Exclusion table)  DCARDREFUSED 203
63 Unable to authorise  ESYSTEM 0
64 Unable to authorise  DINVALIDDATA 102
65 Exceeds withdrawal count limit  DCARDREFUSED 203
68 Time out  ESYSTEM 0
71 PIN Not Changed  DCARDREFUSED 203
75 Allowable number of PIN tries exceeded  DCARDREFUSED 203
76 Unable to locate previous message  (no match on Retrieval Reference number)  DNOAUTH 242
77 Previous message located for a repeat or reversal, but repeat or reversal data are inconsistent with original message ESYSTEM 0
78 “Blocked, first used”-The transaction is from a new cardholder, and the card has not been properly unblocked.  DCARDREFUSED 203
79 Already reversed  DINVALIDDATA 102
80 Visa transactions: credit issuer unavailable. Private label  and check acceptance: Invalid date  DINVALIDDATA 102
81 PIN cryptographic error found  (error found by VIC security module during PIN decryption)  DINVALIDDATA 102
82 Negative CAM, dCVV, iCVV, or CVV results  ESYSTEM 0
83 STIP cannot approve  ESYSTEM 0
84 Pre-auth time too great  DINVALIDDATA 102
85 No reason to decline a request for account number verification, address verification, CVV2 verification, or a credit voucher or merchandise return  SOK 100
86 Cannot Verify PIN  DINVALIDDATA 102
87 Purchase Amount Only, No Cash Back Allowed  SOK 100
88 Unable to authorise  ESYSTEM 0
89 Ineligible to receive  ESYSTEM 0
91 Issuer unavailable or switch inoperative  (STIP not applicable or available for this transaction)  ESYSTEM 0
92 Destination cannot be found for routing  ESYSTEM 0
93 Transaction cannot be completed; violation of law  DINVALIDDATA 102
94 Duplicate transaction  DINVALIDDATA 102
96 Unable to authorise  DCARDREFUSED 203
B1 Surcharge amount not permitted on Visa cards  (U.S. acquirers only)  DINVALIDDATA 102
B2 Surcharge not supported  DINVALIDDATA 102
N0 Unable to authorise  DCARDREFUSED 203
N3 Cash service not available  DCARDREFUSED 203
N4 Cash back request exceeds issuer limit  DCARDREFUSED 203
N5 Resubmitted transaction over max days limit  DINVALIDDATA 102
N7 Decline for CVV2 failure  DCARDREFUSED 203
N8 Transaction amount greater than pre-authorised approved amount  DINVALIDDATA 102
P2 Invalid biller information  DINVALIDDATA 102
P5 Unable to authorise  ESYSTEM 0
P6 Unable to authorise  ESYSTEM 0
Q1 Card Authentication failed  DINVALIDDATA 102
R0 Stop Payment Order  DCARDREFUSED 203
R1 Revocation of Authorization Order  DCARDREFUSED 203
R3 Revocation of All Authorizations Order  DCARDREFUSED 203
T0 Approval, keep first check  SOK 100
T1 Check OK, no conversion  ESYSTEM 0
T2 Invalid RTTN  ESYSTEM 0
T3 Amount greater than limit  ESYSTEM 0
T4 Unpaid items, failed NEG  ESYSTEM 0
T5 Duplicate check number  ESYSTEM 0
T6 MICR error  ESYSTEM 0
T7 Too many checks  ESYSTEM 0
XA Forward to issuer  DINVALIDDATA 102
XD Forward to issuer  DINVALIDDATA 102
Z3 Unable to authorise  DCARDREFUSED 203

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