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				<tr>
					<td valign="top">01</td>
					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Refer 
								to card issuer</FONT></td>
					<td valign="top"><FONT face="Times New Roman" size="3">The 
								merchant must call the issuer before the transaction can be approved.</FONT></td>
				</tr>
				<tr>
					<td valign="top">02</td>
					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Refer 
								to card issuer, special condition</FONT></td>
					<td valign="top"><FONT face="Times New Roman" size="3">The 
								merchant must call the issuer before the transaction can be approved.</FONT></td>
				</tr>
				<tr>
					<td valign="top">03</td>
					<td valign="top" width="259">Invalid merchant number</td>
					<td valign="top"><FONT face="Times New Roman" size="3">The 
								merchant ID is not valid.</FONT></td>
				</tr>
				<tr>
					<td valign="top">04</td>
					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Pick-up 
								card. Capture for reward</FONT></td>
					<td valign="top"><FONT face="Times New Roman" size="3">The 
								card is listed on the Warning Bulletin.&nbsp; Merchant 
								may receive reward money by capturing the card.</FONT></td>
				</tr>
				<tr>
					<td valign="top">05</td>
					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Do 
								not honor. The transaction was declined by the issuer without definition or 
								reason</FONT></td>
					<td valign="top">The 
									transaction was declined without explanation by the card issuer.</FONT>
						</td>
				</tr>
				<TR>
					<TD vAlign="top">06</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Error</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">The 
								card issuer returned an error without further explanation.</FONT></TD>
				</TR>
				<TR>
					<TD vAlign="top">07</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Pick-up 
								card, special condition</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">The 
								card is listed on the Warning Bulletin.&nbsp; Merchant 
								may receive reward money by capturing the card.</FONT></TD>
				</TR>
				<TR>
					<TD vAlign="top">08</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Honor 
								with identification</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">Honor 
								with identification.</FONT></TD>
				</TR>
				<TR>
					<TD vAlign="top">09</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Request 
								in progress</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">Request 
								in progress.</FONT></TD>
				</TR>
				<TR>
					<TD vAlign="top">10</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Approved 
								for partial amount</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">Approved 
								for partial amount.</FONT></TD>
				</TR>
				<tr>
					<td valign="top">
						11</td>
					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Approved, 
								VIP</FONT></td>
					<td valign="top"><FONT face="Times New Roman" size="3"><FONT face="Times New Roman" size="3">Approved, 
											VIP program.</FONT>
								</FONT></td>
				</tr>
				<tr>
					<td valign="top">12</td>
					<td valign="top" width="259">Invalid transaction</td>
					<td valign="top"><FONT face="Times New Roman" size="3">The 
								requested transaction is not supported or is not valid for the card number 
								presented.</FONT></td>
				</tr>
				<tr>
					<td valign="top">13</td>
					<td valign="top" width="259">Invalid amount</td>
					<td valign="top"><FONT face="Times New Roman" size="3">The 
								amount exceeds the limits established by the issuer for this type of 
								transaction.</FONT></td>
				</tr>
				<tr>
					<td valign="top">14</td>
					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Invalid 
								card #</FONT></td>
					<td valign="top">The issuer indicates that this card is not valid.</td>
				</tr>
				<tr>
					<td valign="top">15</td>
					<td valign="top" width="259"><FONT face="Times New Roman" size="3">No 
								such issuer</FONT></td>
					<td valign="top"><FONT face="Times New Roman" size="3">The 
								card issuer number is not valid.</FONT></td>
				</tr>
				<TR>
					<TD vAlign="top">16</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Approved, 
								update track 3</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">Approved, 
								update track 3.</FONT></TD>
				</TR>
				<TR>
					<TD vAlign="top">17</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Customer 
								cancellation</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">Customer 
								cancellation.</FONT></TD>
				</TR>
				<TR>
					<TD vAlign="top">18</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Customer 
								dispute</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">Customer 
								dispute.</FONT></TD>
				</TR>
				<TR>
					<TD vAlign="top">19</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Re 
								enter transaction</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">Customer 
								should resubmit transaction.</FONT></TD>
				</TR>
				<TR>
					<TD vAlign="top">20</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Invalid 
								response</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">Invalid 
								response.</FONT></TD>
				</TR>
				<TR>
					<TD vAlign="top">21</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">No 
								action taken</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">No 
								action taken. The issuer declined with no other explanation.</FONT></TD>
				</TR>
				<TR>
					<TD vAlign="top">22</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Suspected 
								malfunction</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">Suspected 
								malfunction.</FONT></TD>
				</TR>
				<TR>
					<TD vAlign="top">23</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Unacceptable 
								transaction fee</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">Unacceptable 
								transaction fee.</FONT></TD>
				</TR>
				<TR>
					<TD vAlign="top">24</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">File 
								update not supported</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">File 
								update not supported.</FONT></TD>
				</TR>
				<TR>
					<TD vAlign="top">25</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Unable 
								to locate record</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">Unable 
								to locate record.</FONT></TD>
				</TR>
				<TR>
					<TD vAlign="top">26</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Duplicate 
								record</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">Duplicate 
								record.</FONT></TD>
				</TR>
				<TR>
					<TD vAlign="top">27</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">File 
								update edit error</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">File 
								update edit error.</FONT></TD>
				</TR>
				<TR>
					<TD vAlign="top">28</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">File 
								update file locked</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">File 
								update file locked.</FONT></TD>
				</TR>
				<tr>
					<td valign="top">
						29</td>
					<td valign="top" width="259">not used</td>
					<td valign="top">&nbsp;</td>
				</tr>
				<tr>
					<td valign="top">30</td>
					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Format 
								error, call ECHO</FONT></td>
					<td valign="top"><FONT face="Times New Roman" size="3">The 
								host reported that the transaction was not formatted properly.</FONT></td>
				</tr>
				<TR>
					<TD vAlign="top">31</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Bank 
								not supported</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">Bank 
								not supported by switch.</FONT></TD>
				</TR>
				<TR>
					<TD vAlign="top">32</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Completed 
								partially</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">Completed 
								partially.</FONT></TD>
				</TR>
				<TR>
					<TD vAlign="top">33</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Expired 
								card, pick-up</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">The 
								card is expired.&nbsp; Merchant may 
								receive reward money by capturing the card.</FONT></TD>
				</TR>
				<TR>
					<TD vAlign="top">34</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Issuer 
								suspects fraud, pick-up card</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">The 
								card issuer suspects fraud.&nbsp; Merchant 
								may receive reward money by capturing the card.</FONT></TD>
				</TR>
				<TR>
					<TD vAlign="top">35</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Contact 
								acquirer, pick-up</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">Contact 
								card issuer.&nbsp; Merchant may receive 
								reward money by capturing the card.</FONT></TD>
				</TR>
				<TR>
					<TD vAlign="top">36</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Restricted 
								card, pick-up</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">The 
								card is restricted by the issuer.&nbsp; Merchant 
								may receive reward money by capturing the card.</FONT></TD>
				</TR>
				<TR>
					<TD vAlign="top">37</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Call 
								ECHO security, pick-up</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">Contact 
								ECHO security.&nbsp; Merchant may 
								receive reward money by capturing the card.</FONT></TD>
				</TR>
				<TR>
					<TD vAlign="top">38</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">PIN 
								tries exceeded, pick-up</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">PIN 
								attempts exceed issuer limits.&nbsp; Merchant 
								may receive reward money by capturing the card.</FONT></TD>
				</TR>
				<TR>
					<TD vAlign="top">39</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">No 
								credit account</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">No 
								credit account.</FONT></TD>
				</TR>
				<tr>
					<td valign="top">
						40</td>
					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Function 
								not supported</FONT></td>
					<td valign="top"><FONT face="Times New Roman" size="3">Requested 
								function not supported.</FONT></td>
				</tr>
				<tr>
					<td valign="top">41</td>
					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Lost 
								Card, capture for reward</FONT></td>
					<td valign="top"><FONT face="Times New Roman" size="3">The 
								card has been reported lost.</FONT></td>
				</tr>
				<tr>
					<td valign="top">42</td>
					<td valign="top" width="259"><FONT face="Times New Roman" size="3">No 
								universal account</FONT></td>
					<td valign="top"><FONT face="Times New Roman" size="3">No 
								universal account.</FONT></td>
				</tr>
				<tr>
					<td valign="top">43</td>
					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Stolen 
								Card, capture for reward</FONT></td>
					<td valign="top"><FONT face="Times New Roman" size="3">The 
								card has been reported stolen.</FONT></td>
				</tr>
				<TR>
					<TD vAlign="top">44</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">No 
								investment account</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">No 
								investment account.</FONT></TD>
				</TR>
				<tr>
					<td valign="top">45 - 50</td>
					<td valign="top" width="259">not used</td>
					<td valign="top">&nbsp;</td>
				</tr>
				<tr>
					<td valign="top">51</td>
					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Not 
								sufficient funds</FONT></td>
					<td valign="top"><FONT face="Times New Roman" size="3">The 
								credit limit for this account has been exceeded.</FONT></td>
				</tr>
				<tr>
					<td valign="top">52 - 53</td>
					<td valign="top" width="259">not used</td>
					<td valign="top">&nbsp;</td>
				</tr>
				<tr>
					<td valign="top">54</td>
					<td valign="top" width="259">Expired card</td>
					<td valign="top">The card is expired.</td>
				</tr>
				<tr>
					<td valign="top">55</td>
					<td valign="top" width="259">Incorrect PIN</td>
					<td valign="top"><FONT face="Times New Roman" size="3">The 
								cardholder PIN is incorrect.</FONT></td>
				</tr>
				<tr>
					<td valign="top">56</td>
					<td valign="top" width="259"><FONT face="Times New Roman" size="3">No 
								card record</FONT></td>
					<td valign="top"><FONT face="Times New Roman" size="3">No 
								card record.</FONT></td>
				</tr>
				<tr>
					<td valign="top">57</td>
					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Transaction 
								not permitted to cardholder</FONT></td>
					<td valign="top"><FONT face="Times New Roman" size="3">The 
								card is not allowed the type of transaction requested.</FONT></td>
				</tr>
				<tr>
					<td valign="top">58</td>
					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Transaction 
								not permitted on terminal</FONT></td>
					<td valign="top"><FONT face="Times New Roman" size="3">The 
								Merchant is not allowed this type of transaction.</FONT></td>
				</tr>
				<TR>
					<TD vAlign="top">59</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Suspected 
								fraud</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">Suspected 
								fraud.</FONT></TD>
				</TR>
				<tr>
					<td valign="top">
						60</td>
					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Contact 
								ECHO</FONT></td>
					<td valign="top"><FONT face="Times New Roman" size="3">Contact 
								ECHO.</FONT></td>
				</tr>
				<tr>
					<td valign="top">61</td>
					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Exceeds 
								withdrawal limit</FONT></td>
					<td valign="top"><FONT face="Times New Roman" size="3">The 
								amount exceeds the allowed daily maximum.</FONT></td>
				</tr>
				<tr>
					<td valign="top">62</td>
					<td valign="top" width="259">Restricted card</td>
					<td valign="top">The card has been restricted.</td>
				</tr>
				<tr>
					<td valign="top">63</td>
					<td valign="top" width="259">Security violation.</td>
					<td valign="top">The card has been restricted.</td>
				</tr>
				<tr>
					<td valign="top">64</td>
					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Original 
								amount incorrect</FONT></td>
					<td valign="top"><FONT face="Times New Roman" size="3">Original 
								amount incorrect.</FONT></td>
				</tr>
				<tr>
					<td valign="top">65</td>
					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Exceeds 
								withdrawal frequency</FONT></td>
					<td valign="top"><FONT face="Times New Roman" size="3">The 
								allowable number of daily transactions has been exceeded.</FONT></td>
				</tr>
				<TR>
					<TD vAlign="top">66</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Call 
								acquirer security, call ECHO</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">Call 
								acquirer security, call ECHO.</FONT></TD>
				</TR>
				<tr>
					<td valign="top">
						67</td>
					<td valign="top" width="259">not used</td>
					<td valign="top">&nbsp;</td>
				</tr>
				<TR>
					<TD vAlign="top">68</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Response 
								received too late</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">Response 
								received too late.</FONT></TD>
				</TR>
				<TR>
					<TD vAlign="top">69 - 74</TD>
					<TD vAlign="top" width="259">not used</TD>
					<TD vAlign="top">&nbsp;</TD>
				</TR>
				<tr>
					<td valign="top">75</td>
					<td valign="top" width="259"><FONT face="Times New Roman" size="3">PIN 
								tries exceeded</FONT></td>
					<td valign="top">The allowed number of PIN retries has been exceeded.</td>
				</tr>
				<tr>
					<td valign="top">76</td>
					<td valign="top" width="259">Invalid "to" account</td>
					<td valign="top">The debit account does not exist.</td>
				</tr>
				<tr>
					<td valign="top">77</td>
					<td valign="top" width="259">Invalid "from" account</td>
					<td valign="top">The credit account does not exist.</td>
				</tr>
				<tr>
					<td valign="top">78</td>
					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Invalid 
								account specified (general)</FONT></td>
					<td valign="top">
						The associated card number account is invalid or does not exist.</td>
				</tr>
				<TR>
					<TD vAlign="top">79</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Already 
								reversed</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">Already 
								reversed.</FONT></TD>
				</TR>
				<tr>
					<td valign="top">80&nbsp;- 83</td>
					<td valign="top" width="259">not used</td>
					<td valign="top">&nbsp;</td>
				</tr>
				<tr>
					<td valign="top">84</td>
					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Invalid 
								authorization life cycle</FONT></td>
					<td valign="top"><FONT face="Times New Roman" size="3">The 
								authorization life cycle is invalid.</FONT></td>
				</tr>
				<tr>
					<td valign="top">85&nbsp;</td>
					<td valign="top" width="259">not used</td>
					<td valign="top">&nbsp;</td>
				</tr>
				<TR>
					<TD vAlign="top">86</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Cannot 
								verify PIN</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">Cannot 
								verify PIN.</FONT></TD>
				</TR>
				<TR>
					<TD vAlign="top">87</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Network 
								Unavailable</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">Network 
								Unavailable.</FONT></TD>
				</TR>
				<TR>
					<TD vAlign="top">88</TD>
					<TD vAlign="top" width="259">not used</TD>
					<TD vAlign="top">&nbsp;</TD>
				</TR>
				<TR>
					<TD vAlign="top">89</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Ineligible 
								to receive financial position information</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">Ineligible 
								to receive financial position information.</FONT></TD>
				</TR>
				<TR>
					<TD vAlign="top">90</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Cut-off 
								in progress</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">Cut-off 
								in progress.</FONT></TD>
				</TR>
				<tr>
					<td valign="top">91</td>
					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Issuer 
								or switch inoperative</FONT></td>
					<td valign="top">The bank is not available to authorize this transaction.</td>
				</tr>
				<tr>
					<td valign="top">92</td>
					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Routing 
								error</FONT></td>
					<td valign="top"><FONT size="3"><FONT face="Times New Roman">The 
									transaction cannot be routed to the authorizing agency.</FONT></FONT>
						</td>
				</tr>
				<tr>
					<td valign="top">93</td>
					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Violation 
								of law</FONT></td>
					<td valign="top"><FONT face="Times New Roman" size="3">Violation 
								of law.</FONT></td>
				</tr>
				<tr>
					<td valign="top">94</td>
					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Duplicate 
								transaction</FONT></td>
					<td valign="top"><FONT face="Times New Roman" size="3">Duplicate 
								transaction.</FONT></td>
				</tr>
				<tr>
					<td valign="top">95</td>
					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Reconcile 
								error</FONT></td>
					<td valign="top"><FONT face="Times New Roman" size="3">Reconcile 
								error.</FONT></td>
				</tr>
				<tr>
					<td valign="top">96</td>
					<td valign="top" width="259"><FONT face="Times New Roman" size="3">System 
								malfunction</FONT></td>
					<td valign="top"><FONT face="Times New Roman" size="3">A 
								system error has occurred.</FONT></td>
				</tr>
				<TR>
					<TD vAlign="top">97</TD>
					<TD vAlign="top" width="259">not used</TD>
					<TD vAlign="top">&nbsp;</TD>
				</TR>
				<TR>
					<TD vAlign="top">98</TD>
					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Exceeds 
								cash limit</FONT></TD>
					<TD vAlign="top"><FONT face="Times New Roman" size="3">Exceeds 
								cash limit.</FONT></TD>
				</TR>



				<tr>
					<td valign="top">1000</td>
					<td valign="top">Unrecoverable error.</td>
					<td valign="top">An unrecoverable error has occurred in the <b><i><font face="Verdana,Arial,Helvetica" size="-1">
									ECHO<font size="-2">NLINE</font></font></i></b> processing.</td>
				</tr>
				<tr>
					<td valign="top">1001</td>
					<td valign="top">Account closed</td>
					<td valign="top">The merchant account has been closed.</td>
				</tr>
				<tr>
					<td valign="top">1002</td>
					<td valign="top">System closed</td>
					<td valign="top">
						Services for this system are not available.<br>
						(Not used by <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO<font size="-2">NLINE</font></font></i></b>)
					</td>
				</tr>
				<tr>
					<td valign="top">1003</td>
					<td valign="top">E-Mail Down</td>
					<td valign="top">The e-mail function is not available.<br>
						(Not used by <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO<font size="-2">NLINE</font></font></i></b>)
					</td>
				</tr>
				<tr>
					<td valign="top">1004-1011</td>
					<td valign="top">not used</td>
					<td valign="top">&nbsp;</td>
				</tr>
				<tr>
					<td valign="top">1012</td>
					<td valign="top">Invalid trans code</td>
					<td valign="top">The host computer received an invalid transaction code.</td>
				</tr>
				<tr>
					<td valign="top">1013</td>
					<td valign="top">Invalid term id</td>
					<td valign="top">The ECHO-ID is invalid.</td>
				</tr>
				<tr>
					<td valign="top">1014</td>
					<td valign="top">not used</td>
					<td valign="top">&nbsp;</td>
				</tr>
				<tr>
					<td valign="top">1015</td>
					<td valign="top">Invalid card number</td>
					<td valign="top">The credit card number that was sent to the host computer was 
						invalid</td>
				</tr>
				<tr>
					<td valign="top">1016</td>
					<td valign="top">Invalid expiry date</td>
					<td valign="top">The card has expired or the expiration date was invalid.</td>
				</tr>
				<tr>
					<td valign="top">1017</td>
					<td valign="top">Invalid amount</td>
					<td valign="top">The dollar amount was less than 1.00 or greater than the maximum 
						allowed for this card.</td>
				</tr>
				<tr>
					<td valign="top">1018</td>
					<td valign="top">not used</td>
					<td valign="top">&nbsp;</td>
				</tr>
				<tr>
					<td valign="top">1019</td>
					<td valign="top">Invalid state</td>
					<td valign="top">The state code was invalid.<br>
						(Not used by <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO<font size="-2">NLINE</font></font></i></b>)
					</td>
				</tr>
				<tr>
					<td valign="top">1020</td>
					<td valign="top">not used</td>
					<td valign="top">&nbsp;</td>
				</tr>
				<tr>
					<td valign="top">1021</td>
					<td valign="top">Invalid service</td>
					<td valign="top">The merchant or card holder is not allowed to perform that kind of 
						transaction</td>
				</tr>
				<tr>
					<td valign="top">1022-1023</td>
					<td valign="top">not used</td>
					<td valign="top">&nbsp;</td>
				</tr>
				<tr>
					<td valign="top">1024</td>
					<td valign="top">Invalid auth code</td>
					<td valign="top">The authorization number presented with this transaction is 
						incorrect. (deposit transactions only)</td>
				</tr>
				<tr>
					<td valign="top">1025</td>
					<td valign="top">Invalid reference number</td>
					<td valign="top">The reference number presented with this transaction is incorrect 
						or is not numeric.</td>
				</tr>
				<tr>
					<td valign="top">1026-1028</td>
					<td valign="top">not used</td>
					<td valign="top">&nbsp;</td>
				</tr>
				<tr>
					<td valign="top">1029</td>
					<td valign="top">Invalid contract number</td>
					<td valign="top">The contract number presented with this transaction is incorrect 
						or is not numeric.<br>
						(Not used by <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO<font size="-2">NLINE</font></font></i></b>)
					</td>
				</tr>
				<tr>
					<td valign="top">1030</td>
					<td valign="top">Invalid inventory data</td>
					<td valign="top">The inventory data presented with this transaction is not ASCII 
						"printable".<br>
						(Not used by <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO<font size="-2">NLINE</font></font></i></b>)
					</td>
				</tr>
				<tr>
					<td valign="top">1031-1500</td>
					<td valign="top">not used</td>
					<td valign="top">&nbsp;</td>
				</tr>


				<tr>
					<td valign="top">1501-1507</td>
					<td valign="top">not used</td>
					<td valign="top">&nbsp;</td>
				</tr>
				<tr>
					<td valign="top">1508</td>
					<td valign="top">&nbsp;</td>
					<td valign="top">Invalid or missing order_type.</td>
				</tr>
				<tr>
					<td valign="top">1509</td>
					<td valign="top">&nbsp;</td>
					<td valign="top">The merchant is not approved to submit this order_type.</td>
				</tr>
				<tr>
					<td valign="top">1510</td>
					<td valign="top">&nbsp;</td>
					<td valign="top">The merchant is not approved to submit this transaction_type.</td>
				</tr>
				<tr>
					<td valign="top">1511</td>
					<td valign="top">&nbsp;</td>
					<td valign="top">
						Duplicate transaction attempt (see <a href="ISPGuide-Interface.asp#counter">counter</a>
						in Part I of this Specification</EM>).
					</td>
				</tr>
				<tr>
					<td valign="top">1512-1598</td>
					<td valign="top">not used</td>
					<td valign="top">&nbsp;</td>
				</tr>
				<tr>
					<td valign="top">1599</td>
					<td valign="top">&nbsp;</td>
					<td valign="top">An system error occurred while validating the transaction input.</td>
				</tr>
				<tr>
					<td valign="top">1600-1800</td>
					<td valign="top">not used</td>
					<td valign="top">&nbsp;</td>
				</tr>

				<tr>
					<td>1801</td>
					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "A"</a></td>
					<td>Address matches; ZIP does not match.</td>
				</tr>
				<tr>
					<td>1802</td>
					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "W"</a></td>
					<td>9-digit ZIP matches; Address does not match.</td>
				</tr>
				<tr>
					<td>1803</td>
					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "Z"</a></td>
					<td>5-digit ZIP matches; Address does not match.</td>
				</tr>
				<tr>
					<td>1804</td>
					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Codes "U"</a></td>
					<td>Issuer unavailable; cannot verify.</td>
				</tr>
				<tr>
					<td>1805</td>
					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "R"</a></td>
					<td>Retry; system is currently unable to process.</td>
				</tr>
				<tr>
					<td>1806</td>
					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "S" or "G"</a></td>
					<td>Issuer does not support AVS.</td>
				</tr>
				<tr>
					<td>1807</td>
					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "N"</a></td>
					<td>Nothing matches.</td>
				</tr>
				<tr>
					<td>1808</td>
					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "E"</a></td>
					<td>Invalid AVS only response.</td>
				</tr>
				<tr>
					<td>1809</td>
					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "B"</a></td>
					<td>Street address match. Postal code not verified because of incompatible formats.</td>
				</tr>
				<tr>
					<td>1810</td>
					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "C"</a></td>
					<td>Street address and Postal code not verified because of incompatible formats.</td>
				</tr>
				<tr>
					<td>1811</td>
					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "D"</a></td>
					<td>Street address match and Postal code match.</td>
				</tr>
				<tr>
					<td>1812</td>
					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "I"</a></td>
					<td>Address information not verified for international transaction.</td>
				</tr>
				<tr>
					<td>1813</td>
					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "M"</a></td>
					<td>Street address match and Postal code match.</td>
				</tr>
				<tr>
					<td>1814</td>
					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "P"</a></td>
					<td>Postal code match. Street address not verified because of incompatible formats.</td>
				</tr>
				<tr>
					<td>1815-1896</td>
					<td>not used</td>
					<td>&nbsp;</td>
				</tr>
				<tr>
					<td valign="top">1897</td>
					<td valign="top">invalid response</td>
					<td valign="top">The host returned an invalid response.</td>
				</tr>
				<tr>
					<td valign="top">1898</td>
					<td valign="top">disconnect</td>
					<td valign="top">The host unexpectedly disconnected.</td>
				</tr>
				<tr>
					<td valign="top">1899</td>
					<td valign="top">timeout</td>
					<td valign="top">Timeout waiting for host response.</td>
				</tr>
				<tr>
					<td valign="top">1900-2070</td>
					<td valign="top">not used</td>
					<td valign="top">&nbsp;</td>
				</tr>
				<tr>
					<td valign="top">2071</td>
					<td valign="top">Call VISA</td>
					<td valign="top">An authorization number from the VISA Voice Center is required to 
						approve this transaction.</td>
				</tr>
				<tr>
					<td valign="top">2072</td>
					<td valign="top">Call Master Card</td>
					<td valign="top">An authorization number from the Master Card Voice Center is 
						required to approve this transaction.</td>
				</tr>
				<tr>
					<td valign="top">2073</td>
					<td valign="top">Call Carte Blanche</td>
					<td valign="top">An authorization number from the Carte Blanche Voice Center is 
						required to approve this transaction.</td>
				</tr>
				<tr>
					<td valign="top">2074</td>
					<td valign="top">Call Diners Club</td>
					<td valign="top">An authorization number from the Diners' Club Voice Center is 
						required to approve this transaction.</td>
				</tr>
				<tr>
					<td valign="top">2075</td>
					<td valign="top">Call AMEX</td>
					<td valign="top">An authorization number from the American Express Voice Center is 
						required to approve this transaction.</td>
				</tr>
				<tr>
					<td valign="top">2076</td>
					<td valign="top">Call Discover</td>
					<td valign="top">An authorization number from the Discover Voice Center is required 
						to approve this transaction.</td>
				</tr>
				<tr>
					<td valign="top">2077</td>
					<td valign="top">not used</td>
					<td valign="top">&nbsp;</td>
				</tr>
				<tr>
					<td valign="top">2078</td>
					<td valign="top">Call ECHO</td>
					<td valign="top">The merchant must call <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO</font></i></b>
						Customer Support for approval.or because there is a problem with the merchant's 
						account.</td>
				</tr>
				<tr>
					<td>2079</td>
					<td>Call XpresscheX</td>
					<td>The merchant must call <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO</font></i></b>
						Customer Support for approval.or because there is a problem with the merchant's 
						account.</td>
				</tr>

				<tr>
					<td>3001</td>
					<td>No ACK on Resp</td>
					<td>The host did not receive an ACK from the terminal after sending the transaction 
						response.</td>
				</tr>
				<tr>
					<td>3002</td>
					<td>POS NAK'd 3 Times</td>
					<td>The host disconnected after the terminal replied 3 times to the host response 
						with a NAK.</td>
				</tr>
				<tr>
					<td>3003</td>
					<td>Drop on Wait</td>
					<td>The line dropped before the host could send a response to the terminal.</td>
				</tr>
				<tr>
					<td>3005</td>
					<td>Drop on Resp</td>
					<td>The line dropped while the host was sending the response to the terminal.</td>
				</tr>
				<tr>
					<td>3007</td>
					<td>Drop Before EOT</td>
					<td>The host received an ACK from the terminal but the line dropped before the host 
						could send the EOT.</td>
				</tr>
				<tr>
					<td>3011</td>
					<td>No Resp to ENQ</td>
					<td>The line was up and carrier detected, but the terminal did not respond to the 
						ENQ.</td>
				</tr>
				<tr>
					<td>3012</td>
					<td>Drop on Input</td>
					<td>The line disconnected while the host was receiving data from the terminal.</td>
				</tr>
				<tr>
					<td>3013</td>
					<td>FEP NAK'd 3 Times</td>
					<td>The host disconnected after receiving 3 transmissions with incorrect LRC from 
						the terminal.</td>
				</tr>
				<tr>
					<td>3014</td>
					<td>No Resp to ENQ</td>
					<td>The line disconnected during input data wait in Multi-Trans Mode.</td>
				</tr>
				<tr>
					<td>3015</td>
					<td>Drop on Input</td>
					<td>The host encountered a full queue and discarded the input data.</td>
				</tr>
				<tr>
					<td>9000-9999</td>
					<td>Host Error</td>
					<td>The host encountered an internal error and was not able to process the 
						transaction.</td>
				</tr>