First Data Testing
Cards for testing, response code reference, and penny codes for First Data.
Test Cards
You can use the below cards for testing with First Data.
PIN Debit
4017 7799 9111 3335
Visa
4761 5300 0111 1118
MasterCard
5137 2211 1111 6668
Discover
6011 2087 0111 7775
Amex
3710 3008 9111 338
When using the test cards for First Data, you can use the Discover card 6011 2087 0111 1117 with the CVV of 123 for a full CVV match, and for AVS match, you can use the address of 1307 Broad Hollow Road with zip code 11747.
Response codes
Below you'll find a reference list to every possible response code value.
000
Approve
001
Schema Validation Error
002
Approve for partial amount
003
Approve VIP
100
Do not honor
101
Expired card
102
Suspected fraud
103
Unable to process TeleCheck recurring transaction with this payment type (not associated with insufficient or uncollected funds)
104
Restricted card
105
Call acquirer's security department
106
Allowable PIN tries exceeded
107
Call for authorization
108
Refer to issuer's special conditions
109
Invalid merchant. The merchant is not in the merchant database or the merchant is not permitted to use this particular card
110
Invalid amount
111
Invalid Host Totals Date
112
DES Encryption not allowed from the device / terminal
113
Host Totals are Incomplete
114
Invalid account type
116
Not sufficient funds
117
Incorrect PIN or PIN length error
118
No card record
119
Transaction not permitted to cardholder
120
Transaction not permitted to terminal
121
Exceeds withdrawal amount limit
122
Security violation
123
Exceeds withdrawal frequency limit
124
Violation of law
129
Suspected counterfeit card
130
Invalid terminal
131
Invalid account number
132
Unmatched card expiry date
133
The TPP ID was not found
134
Not sufficient funds
150
Invalid merchant set up
151
Activation failed
152
Exceeds limit
153
Already redeemed
154
Over monthly limit
155
Recharge amount exceeded
156
Max number of recharges exceeded
157
Invalid entry
208
Lost Card / Lost Check
209
Stolen card
211
Invalid SKU number.
212
Missing conditional data.
213
Invalid account number for card type.
214
Invalid payment type/card type for merchant ID.
215
Invalid transaction for Merchant ID.
216
Invalid TransArmor request. Not supported for given Payment Type, or Merchant is not enabled for Transarmor
217
Missing or invalid secure payment data.
218
Merchant ID not enabled for Secure Code.
219
Invalid Merchant Category Code
220
Customer service phone number missing.
221
Merchant not enabled for soft descriptors, account updater or optimization processing.
222
Partial auth not allowed.
223
Customer under 18 years old.
224
Account blocked – possible compromise.
225
Bill-to address does not match ship-to.
226
Invalid preapproval number.
227
Invalid email address.
228
Need more ID – request full SSN.
229
Previously declined/closed account.
230
One time stop payment requested by cardholder.
231
Stop payment requested for all payments.
232
Stop all payments – account closed.
233
Auth response date not valid.
234
Issuance under minimum amount.
235
Outstanding auth – funds on hold.
236
Activation amount incorrect.
237
Deny – new card issued.
238
BIN blocked.
242
Customer opt-out.
243
Institution does not accept ACH payments.
244
Original transaction not approved.
245
Invalid MICR data.
246
Declined due to high risk.
247
Declined due to stand-in rules.
248
Conditional Approval – Hold shipping for 24 hours
250
Re-authorization request is declined. Original Auth could not be found.
251
Re-authorization request is declined. The customer account number, merchant id, or amount did not match the original authorization.
252
Re-authorization request is declined. The amount significantly exceeds the original request amount.
253
Re-authorization request is declined. The timeframes for re-authorization have been exceeded.
254
Counter Offer to Supply Personal Guaranty.
300
Invalid EAN or SCV.
301
Lock has expired on prepaid card.
302
Account closed. The account was closed, probably because the account balance was $0.00
303
Unknown account. The account could not be located or the account does not exist in the account table
304
Inactive account. The account has not been activated by an approved location
308
Already active. The card is already active and does not need to be reactivated
311
Not lost or stolen
315
Bad mag stripe. The mag stripe could not be parsed for account information
316
Incorrect location. There was a problem with the merchant location
317
Max balance exceeded. The transaction, if completed, would cause the account balance to be exceeded by the max_balance as specified in the promotion. Some merchants set the max_balance to a value twice the max transaction amount
318
Invalid amount. There was a problem with the amount field in the transaction format – more or less than min/max amounts specified in the promotion for that transaction
319
Invalid clerk. The clerk field was either missing, when required, or the content did not match the requirements
320
Invalid password
321
Invalid new password. The new password does not meet the minimum security criteria
322
Exceeded account reloads. The clerk/user/location was only permitted to reload some number of accounts. That number was exceeded. (See your Business Manager in order to extend this limit.)
323
Password retry exceeded. The user account has been frozen because the user attempted access and was denied. Seek management assistance
326
Incorrect transaction version or format number for POS transactions
327
Request not permitted by this account
328
Request not permitted by this merchant location
329
Bad_repay_date
330
Bad checksum. The checksum provided is incorrect
331
Balance not available (denial). Due to an internal Fiserv Prepaid Closed Loop issue, information from this account could not be retrieved
332
Account locked
333
No previous transaction. The void or reversal transaction could not be matched to a previous (original) transaction. In the case of a redemption, the corresponding locking transaction could not be identified
334
Already reversed
336
Bad Authorization ID. The Authorization ID test failed
337
Too many transactions requested
338
No transactions available/no more transactions available. There are no transactions for this account or there are no transactions as determined by the specified first transaction number
339
Transaction history not available
340
New password required
341
Invalid status change. The status change requested (e.g. lost/stolen, freeze active card) cannot be performed
342
Void of activation after account activity
343
No phone service. Attempted a calling card transaction on an account which is not configured for calling card activity
344
Internet access disabled
345
Invalid Date or Time
350
Additional customer authentication required or, Customer Authentication Required (Decline – Discover only)
351
Customer PIN authentication required
355
Invalid currency. The provided currency is invalid.
356
Currency Not Supported
357
Currency conversion error
359
The terminal transaction number did not match (on a void or reversal).
367
Target embossed card entered and Transaction count entered do not match
368
No account link
369
Invalid time zone
370
Account on hold or subscriber not active
372
Promo location restricted
373
Invalid Card Account
374
Product code(s) restricted
375
Bad Post Date. The Post Date is not a valid date.
376
Account status is void lock
377
Already active and reloadable
378
Account is Purged. The Account record was purged from the database.
380
Bulk activation error
381
Bulk activation un-attempted error
382
Bulk activation package amount error
383
Store location zero not allowed
384
Account row locked
385
Accepted but not yet processed
402
TransArmor Service Unavailable
403
TransArmor Invalid Token or Account Number
404
TransArmor Key Error
414
Void/Full Reversal request unable to process due to network cut-off window elapsed. A Refund transaction is necessary to reconcile the cardholder’s account. Applicable to Debit networks only.
430
Prepaid Card Amount Over EU AMLD (Anti-Money Laundering Directive) Limit
500
Decline
501
Date of Birth Error for Check Processing
502
Invalid State Code
503
New Account Information
504
Do not try again
505
Please retry
506
Invalid Checking Account Number
507
New Account Information available
508
Try again later – Declined: Association‘s payment cancellation advice code provided. Applies to recurring authorizations only. These are examples of what may have occurred: the account is over the credit limit try again in 72 hours.
509
Do not try again – Applies to recurring authorizations only. The card has expired
510
New Account Information – Applies to recurring authorizations only. The card has expired.
511
Try again later – Applies to recurring authorizations only. The card has expired. Get the new expiration date and try again.
512
Service not allowed or invalid surcharge amount
513
Decline. Transaction not permitted to acquirer or terminal.
514
Do not try again – Applies to recurring authorizations only. There was security violation.
515
Declined. No term record on Fiserv system
516
Please retry – Reasons for this error are one of the following: Format Error, Unable to route transaction, Switch or issuer unavailable, System Busy, Timeout
517
CVV2 Declined
518
Invalid account/date or sales date in future
519
Invalid Effective Date
520
Reversal Rejected. Do not try again.
521
Enter lesser amount
522
Cash Back greater than total Transaction amount
523
Crypto box is offline
524
Debit Switch unavailable Timeout Retry – Communications link to debit/EBT network gateway is down or responded with a “System Malfunction (96)” message.
525
Debit/EBT network gateway cannot get through to the ISSUER.
526
Undefined Card – Debit/EBT network gateway cannot route card based on Merchant Entitlement
527
Network Response indicates that Merchant ID / SE is invalid
528
Debit/EBT transaction count exceeds pre-determined limit in specified time/ Withdrawal limit exceeded.
529
Resubmission of transaction violates debit/EBT network frequency
530
The authorizing network has a problem decrypting the cryptogram in the request
531
Retry with 3DS data
532
The DUKPT Base Derivation key is missing or incorrect in the PIN pad, PIN key synchronization error, or Master session PIN key is missing.
533
Invalid encryption key offset sent by merchant
534
Invalid master session key id sent by merchant
539
No Checking Account
540
Edit Honor
541
No Savings Account
542
DUKPT: An error while processing the PIN block that is not related to the point-of-sale equipment. Contact the Help Desk for assistance.
550
Invalid Vehicle
551
Invalid Driver
552
Invalid Product
553
Exceeds transaction total limit per product class.
554
Over daily limit
555
Invalid Date/Time
556
Exceeds quantity
557
Invalid prompt entry
558
Invalid Track 2 data
559
Voyager ID problem
560
Invalid Odometer
561
Invalid Restriction Code
562
Pay at pump not allowed
563
Over fuel limit
564
Over cash limit
565
Fuel price error
566
Y or N required
567
Over repair limit
568
Over additive limit
569
Invalid user
570
Before 1400 and can't cut. Wait until 2:00 pm Eastern.
571
Cut time too close to 1400
572
Checker/Manager not found
573
Security insufficient
574
No transaction security record
575
Insufficient data
576
Merchant has mail pending
577
No messages pending
578
The Visa OCT / MasterCard MoneySend activity has exceeded preset transaction count or amount limit within a rolling 24-hour period for given merchant.
579
The Visa OCT / MasterCard MoneySend activity has exceeded preset transaction count or amount limit within a rolling 7-day period for given merchant.
580
The Visa OCT / MasterCard MoneySend activity has exceeded preset transaction count or amount limit within a rolling 30-day period for given merchant.
581
The Visa OCT / MasterCard MoneySend Funding activity has exceeded preset transaction count or amount limit within a rolling 24- hour period for this account number.
582
The Visa OCT / MasterCard MoneySend Funding activity has exceeded preset transaction count or amount limit within a rolling 7- day period for this account number.
583
The Visa OCT / MasterCard MoneySend Funding activity has exceeded preset transaction count or amount limit within a rolling 30- day period for this account number.
584
The Visa OCT / MasterCard MoneySend Payment activity has exceeded preset transaction count or amount limit within a rolling 24- hour period for this account number.
585
The Visa OCT / MasterCard MoneySend Payment activity has exceeded preset transaction count or amount limit within a rolling 7- day period for this account number.
586
The Visa OCT / MasterCard MoneySend Payment activity has exceeded preset transaction count or amount limit within a rolling 30- day period for this account number.
587
The single transaction amount limit was exceeded for a Visa OCT/ MasterCard MoneySend transaction for given merchant.
588
All Visa OCT / MasterCard MoneySend transactions are blocked for a rolling 24 hour period, or 7 day period (current and prior 6 days), or 30 day period (current and prior 29 days) for given merchant.
601
Invalid Batch Number/ Invalid Batch ID or Invalid OpenBatch
602
No Open Batch
603
Close Unavailable
604
Close Not Valid
701
Approved EMV Key Load
702
EMV Key Download Error
703
Approved EMV Key Load, more key load data pending
704
Pick Up Card
708
Honor With Authentication
721
Invalid ZIP Code
722
Invalid value in the field / Host Totals Declined
723
Driver's License or ID is Required
724
Referred – Not Active
726
Unable to Locate Record On File
727
Refer – Call Authorization
728
Referred – Skip Trace Info
729
Hard Negative Info On File
731
Rejected Lost/Stolen Checks
740
Totals Unavailable
767
Hard Capture; Pick Up
771
Amount Too Large
772
Duplicate Return
773
Unsuccessful
774
Duplicate Reversal
775
Subsystem Unavailable
776
Duplicate Completion
782
Count Exceeds Limit
785
No reason to decline– applicable to $0.00 verification requests and may be returned on Online Refund responses. Should be treated as an approval.
790
Not approved. Used only in Visa bill/recurring payment. Merchant must not resubmit same transaction but may continue billing process in subsequent billing period.
791
Not approved. Used only in Visa bill/recurring payment. Merchant must stop recurring payment requests.
792
See attendant.
800
Deferred authorization not cancelled 801 Over merchandise limit
802
Imprint card
803
Not on file
804
Fuel only
805
Velocity exceeded
806
Authorization ID needed
807
Over non-fuel limit
808
Invalid location
809
Over card velocity count
810
Over card velocity amount
811
Over issuer velocity count
812
Over issuer velocity amount
813
Over merchant daily velocity count
814
Over merchant daily velocity amount
815
Over merchant daily velocity both
816
Over merchant product velocity amount
817
Over merchant product velocity count
818
Over merchant product velocity both
819
Over chain daily velocity count
820
Over chain daily velocity amount
821
Over chain daily velocity both
822
Over chain product velocity count
823
Over chain product velocity both
824
Over chain product velocity amount
825
No chain ID for chain merchant
826
Signature required
827
Velocity exception error – pay inside
828
Exceeds merchant count for period – pay inside
829
Exceeds merchant amount for period – pay inside
830
Exceeds merchant count and amount for period – pay inside
831
Exceeds zip code count for period – pay inside
832
Exceeds zip code amount for period – pay inside
833
Exceeds zip code count and amount for period – pay inside
834
Exceeds state count for period – pay inside
835
Exceeds state amount for period – pay inside
836
Exceeds state count and amount for period – pay inside
837
Exceeds global count for period – pay inside
838
Exceeds global amount for period – pay inside
839
Exceeds global count and amount for period – pay inside
840
Unknown velocity error – pay inside
902
Invalid transaction. This merchant, card or terminal is not permitted to perform this transaction, or the transaction type is invalid, or Fiserv is unable to route a refund request to the network, or there is an issue with the xml message.
If a 902 is returned when submitting a completion for the second time, the first completion submitted has been successfully applied, even if the device did not receive a response in the first completion.
903
Invalid Reversal Transaction – transaction already settled
904
Format error.
905
Unsupported message. Transaction was rejected. Call your helpdesk or operations support.
906
System Error. There is a problem with the host processing system. Call your helpdesk or operations support.
907
Card issuer or switch inoperative or processor not available
908
Transaction destination not found for routing.
909
System malfunction or timeout
911
Card issuer timed out.
913
Duplicate transaction.
914
Void/Full Reversal request unable to process due to settlement already occurred. A Refund transaction may be necessary to reconcile the cardholder's account.
915
Timeout Reversal not supported. Resend the original transaction with the same Reference Number that timed out. Do not retry the timeout reversal
916
Void/Full Reversal request unable to process since the Original Authorization was not found.
920
Security H/W or S/W error – try again
921
Security H/W or S/W error – no action
923
Request in progress
924
Limit check failed
940
Error.
941
Invalid issuer.
942
Customer cancellation
944
Invalid response
950
Violation of business arrangement
954
CCV failed.
958
CCV2 failed
959
CAV failed
963
Acquirer channel unavailable
Generating declines
When using the test cards, transactions above $100.00 will receive a response with a specific decline code. The transaction amount sent in the transaction request message is used to determine which error response code will be received in your response.
To request an error response code, the last three digits of the transaction amount should be the response code you wish to receive. For example, a transaction amount of $101.16 will return a response with the response code of 116.
Partial authorization
Partial auth test cards
To test a partial authorization, use these cards and request values:
6011 2087 0333 1119
12/28
-
$1169.10
$584.55
4005 5717 0222 2222
12/28
-
$612.64
$306.32
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