PGW: Card Refusal Codes

When a card payment through PGW fails, the cashier needs to know one thing quickly: is this a card the customer can try again, or a card that will never go through? The card machine answers every declined payment with a response code. This page lists the codes and their meanings, so a cashier or support agent can turn a number on the screen or on the slip into a decision.

How the payment travels and where it can fail is described in How a Card Payment Travels Through PGW.

Where to find the code

• Geidea machines. Nama shows the code and its meaning in the refusal message itself, for example Purchase Transaction refused - 116 - Not Enough Balance.
• Neoleap machines. Nama shows Purchase Transaction refused without a code. Open PGW's Last Transactions window. The machine's answer (the line that starts with Here is the body of neoleap response) contains the code in TerminalStatusCode and a short result in English, such as DECLINED.
• InterPay. softPOS returns the reason as text. It is in the message field of the answer in PGW's Last Transactions window.

Geidea codes

These are the three-digit codes Nama recognises. Every code that starts with 9 means Declined, System Error.

Code	Meaning shown	What to do
100, 102, 103, 105, 107, 108, 109, 110, 112, 114, 120, 122, 126, 128, 182, 183, 184, 185, 188, 190, 200, 202, 203, 205, 207	Declined	The bank declined the card without giving a reason. Ask for another card or another way to pay.
111, 118, 125, 129, 208, 209, 210	Declined, Contact your bank	The customer has to settle it with their bank. Ask for another card.
101, 201	Expired Card, Contact your bank	Ask for another card.
104	Restricted card, transaction not allowed	Ask for another card.
115, 204	Transaction not allowed	The card cannot be used for this kind of purchase. Ask for another card.
119	Transaction not permitted to cardholder	Ask for another card.
116	Not Enough Balance	Ask for another card, or split the payment and take part of it in another way.
121	Exceeds withdrawal amount limit	The amount is over the card's limit. Split the payment or ask for another card.
123	Declined, limits exceeded	Same as 121.
117	INVALID PIN	Let the customer try again with the right PIN.
127	Wrong PIN	Same as 117.
106, 206	PIN Tries Exceeded	The card is locked for PIN entry. Ask for another card.
480, 481	Un successful	Try the payment once more. If it fails again, take another way to pay.
501	RECONCILIATION UNSUCCESSFUL	The machine's own settlement with the acquirer failed. Contact Geidea support about the machine.
888	Error	Try once more. If it repeats, press Test Connection in PGW.
Any code starting with 9	Declined, System Error	A problem at the bank or the card network. Try again after a short while, or take another way to pay.

Neoleap codes

These are the two-digit TerminalStatusCode values. 00 means the payment was approved.

Code	Meaning	What to do
01	Completed – transaction declined for different reasons (including invalid PIN), account not debited.	Ask the customer to try again, or ask for another card.
02	Completed – transaction rejected, account not debited.	Ask for another card.
11	Cancelled by user, account not debited.	The customer or the cashier cancelled on the machine. Take the payment again if needed.
12	Void due to communication failure or some other reason, account not debited.	Check the machine's connection, then try again.
13	Card Not Supported	Ask for another card.
14	Transaction Not allowed	Ask for another card.
15	Expired Card	Ask for another card.
16	No Dial Tone (Phone line disconnected)	The machine has lost its own line to the bank. Check its network or SIM.
17	Card is not accepted.	Ask for another card.
86	Incorrect Refund Card	Ask for another card.
87	PIN locked.	Ask for another card.
88	PIN timeout.	The customer took too long to enter the PIN. Try again.
89	Service is not accepted.	Ask for another card.
90	Card removed after PIN entry.	Try again and leave the card in until the machine says so.
91	Card removed Before PIN entry	Same as 90.
92	Card removed after sending request (ARQC check failed).	Same as 90.
93	Card Timeout.	Try again.
94	Invalid PIN.	Let the customer try again with the right PIN.
95	Invalid Amount.	Check the amount on the invoice, then try again.
96	Invalid Card (Blocked Card)	Ask for another card.
97	EMV Application is Blocked	Ask for another card.
98	Transaction declined by Card	Ask for another card.
99	EMV Card not Detected by POS (Card not inserted into POS)	Insert or tap the card properly, then try again.

A declined payment does not fill in the payment line, so there is nothing to undo in Nama.