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4 <title>V: ECHOnline Decline and Error Responses</title>
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16 <a href="/"><img src="/images/ECHOBall3.jpg" border=0 alt="ECHO Merchant Center"></a>
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20 <td align="left" valign="bottom">
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21 <b><font size=+1>Interface Specification</b></font>
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24 <td align="right" valign="bottom">
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25 <font size="-1"><font face="Arial,Verdana,Helvetica"><b><i><font size=+2>ECHOnline </i></b></font></font>
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28 <br><b>Document revision date 05/24/2004</b></font>
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33 <hr size="3" color="#000080">
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34 <a href="/ISPGuide-Menu.asp">Return to the <font face="Verdana,Arial,Helvetica" size="-1">
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35 <b><i>ECHO</b></I></font> <b>Internet Development Tools</b> home page.</a>
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36 <h1>Part V: Decline and Error Responses</h1>
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38 This document describes the content of an ECHOTYPE1 response containing a
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39 decline or error response received from the <font face="Verdana,Arial,Helvetica" size="-1">
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40 <b><i>ECHO</i></b></font> host computers. For a general description of <b><i><font face="Verdana,Arial,Helvetica" size="-1">
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41 ECHO<font size="-2">NLINE</font></font></i></b> responses see <a href="ISPGuide-Interface.asp#Responses">
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42 Response Protocol</a>
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43 in Part I of this Specification.
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45 Host responses differ depending on the transaction code and whether or not an
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46 error or decline was detected by the host. For a description of acknowledgement
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47 and approval responses see <a href="ISPGuide-Response.asp"><b>Part IV: <i><font face="Verdana,Arial,Helvetica" size="-1">
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48 ECHO<font size="-2">NLINE</font></font></i> Host Responses</b></a>
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51 Credit card transactions and electronic check transactions differ slightly in
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52 their format. For this reason they are treated separately in the sections
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53 below. In the examples, the "·" character is used to indicate a space
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55 <h2>Credit Card Transactions</h2>
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56 Decline and error responses are very similar in that they both represent
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57 situations that prevent a transaction from being authorized. Decline codes can
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58 actually represent a system error, and error codes can actually represent an
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59 account restriction. The difference between the two is more of a historical
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60 artifact than any distinction between an "error" and a "decline."
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62 Decline responses are always preceded by the word "DECLINED," while error
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63 responses contain various text messages from <b><i><font face="Verdana,Arial,Helvetica" size="-1">
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64 ECHO</font></i></b>'s host computer or the issuer's computers.
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65 Decline and error responses are described below.
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66 <h3>Message Formats</h3>
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68 Decline responses are formatted as follows.
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71 <table border="1" cellpadding="3" cellspacing="0" width="80%">
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72 <tr bgcolor="#e0e0e0">
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73 <td valign="top"><b>Field</b></td>
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74 <td valign="top"><b>Size</b></td>
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75 <td valign="top"><b>Description</b></td>
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78 <td valign="top">tag</td>
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79 <td valign="top">11</td>
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80 <td valign="top">"<ECHOTYPE1>"</td>
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83 <td valign="top">decline</td>
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84 <td valign="top">9</td>
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85 <td valign="top">"DECLINED "</td>
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88 <td valign="top">decline code
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90 <td valign="top">2</td>
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91 <td valign="top">See Decline Codes table below</td>
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94 <td valign="top">filler</td>
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95 <td valign="top">1</td>
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96 <td valign="top">" " (space)</td>
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99 <td valign="top">amount</td>
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100 <td valign="top">20</td>
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101 <td valign="top">Declined transaction amount. <em><b>Note</b></em>: This field is
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102 right-justified with leading zeroes suppressed. Depending on the type of
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103 decline, there may or may not be a "$" character in the leftmost position of
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104 this field. Examples: "$bbbbbbbbbbbbbbb2.99" and "bbbbbbbbbbbbbbbb2.99"</td>
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107 <td valign="top">tag</td>
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108 <td valign="top">12</td>
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109 <td valign="top">"</ECHOTYPE1>"</td>
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114 Error responses are formatted as follows.
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117 <table border="1" cellpadding="3" cellspacing="0" width="80%">
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118 <tr bgcolor="#e0e0e0">
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119 <td valign="top"><b>Field</b></td>
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120 <td valign="top"><b>Size</b></td>
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121 <td valign="top"><b>Description</b></td>
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124 <td valign="top">tag</td>
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125 <td valign="top">11</td>
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126 <td valign="top">"<ECHOTYPE1>"</td>
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129 <td valign="top">error text</td>
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130 <td valign="top">20</td>
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131 <td valign="top">error description</td>
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134 <td valign="top">error code</td>
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135 <td valign="top">4</td>
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136 <td valign="top">See Error Codes table below</td>
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139 <td valign="top">tag</td>
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140 <td valign="top">12</td>
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141 <td valign="top">"</ECHOTYPE1>"</td>
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145 <h3>Decline Codes</h3>
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146 <p>Decline codes are defined in the following table.</p>
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148 <table border="1" cellpadding="3" cellspacing="0" width="80%">
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149 <tr bgcolor="#e0e0e0">
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150 <td valign="top"><b>Decline<br>
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152 <td valign="top" width="259"><b>Short<br>
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153 Description</b></td>
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154 <td valign="top"><b><br>
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155 Explanation</b></td>
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158 <td valign="top">01</td>
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159 <td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Refer
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160 to card issuer</FONT></SPAN></td>
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161 <td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The
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162 merchant must call the issuer before the transaction can be approved.</FONT></SPAN></td>
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165 <td valign="top">02</td>
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166 <td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Refer
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167 to card issuer, special condition</FONT></SPAN></td>
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168 <td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The
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169 merchant must call the issuer before the transaction can be approved.</FONT></SPAN></td>
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172 <td valign="top">03</td>
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173 <td valign="top" width="259">Invalid merchant number</td>
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174 <td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The
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175 merchant ID is not valid.</FONT></SPAN></td>
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178 <td valign="top">04</td>
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179 <td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Pick-up
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180 card. Capture for reward</FONT></SPAN></td>
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181 <td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The
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182 card is listed on the Warning Bulletin.<SPAN style="mso-spacerun: yes"> </SPAN>Merchant
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183 may receive reward money by capturing the card.</FONT></SPAN></td>
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186 <td valign="top">05</td>
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187 <td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Do
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188 not honor. The transaction was declined by the issuer without definition or
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189 reason</FONT></SPAN></td>
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190 <td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The
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191 transaction was declined without explanation by the card issuer.</FONT></SPAN>
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195 <TD vAlign="top">06</TD>
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196 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Error</FONT></SPAN></TD>
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197 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The
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198 card issuer returned an error without further explanation.</FONT></SPAN></TD>
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201 <TD vAlign="top">07</TD>
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202 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Pick-up
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203 card, special condition</FONT></SPAN></TD>
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204 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The
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205 card is listed on the Warning Bulletin.<SPAN style="mso-spacerun: yes"> </SPAN>Merchant
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206 may receive reward money by capturing the card.</FONT></SPAN></TD>
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209 <TD vAlign="top">08</TD>
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210 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Honor
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211 with identification</FONT></SPAN></TD>
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212 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Honor
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213 with identification.</FONT></SPAN></TD>
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216 <TD vAlign="top">09</TD>
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217 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Request
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218 in progress</FONT></SPAN></TD>
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219 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Request
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220 in progress.</FONT></SPAN></TD>
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223 <TD vAlign="top">10</TD>
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224 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Approved
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225 for partial amount</FONT></SPAN></TD>
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226 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Approved
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227 for partial amount.</FONT></SPAN></TD>
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232 <td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Approved,
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233 VIP</FONT></SPAN></td>
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234 <td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Approved,
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235 VIP program.</FONT></SPAN>
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236 </SPAN></FONT></SPAN></td>
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239 <td valign="top">12</td>
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240 <td valign="top" width="259">Invalid transaction</td>
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241 <td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The
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242 requested transaction is not supported or is not valid for the card number
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243 presented.</FONT></SPAN></td>
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246 <td valign="top">13</td>
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247 <td valign="top" width="259">Invalid amount</td>
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248 <td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The
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249 amount exceeds the limits established by the issuer for this type of
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250 transaction.</FONT></SPAN></td>
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253 <td valign="top">14</td>
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254 <td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Invalid
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255 card #</FONT></SPAN></td>
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256 <td valign="top">The issuer indicates that this card is not valid.</td>
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259 <td valign="top">15</td>
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260 <td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">No
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261 such issuer</FONT></SPAN></td>
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262 <td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The
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263 card issuer number is not valid.</FONT></SPAN></td>
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266 <TD vAlign="top">16</TD>
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267 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Approved,
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268 update track 3</FONT></SPAN></TD>
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269 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Approved,
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270 update track 3.</FONT></SPAN></TD>
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273 <TD vAlign="top">17</TD>
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274 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Customer
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275 cancellation</FONT></SPAN></TD>
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276 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Customer
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277 cancellation.</FONT></SPAN></TD>
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280 <TD vAlign="top">18</TD>
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281 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Customer
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282 dispute</FONT></SPAN></TD>
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283 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Customer
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284 dispute.</FONT></SPAN></TD>
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287 <TD vAlign="top">19</TD>
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288 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Re
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289 enter transaction</FONT></SPAN></TD>
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290 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Customer
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291 should resubmit transaction.</FONT></SPAN></TD>
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294 <TD vAlign="top">20</TD>
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295 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Invalid
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296 response</FONT></SPAN></TD>
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297 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Invalid
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298 response.</FONT></SPAN></TD>
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301 <TD vAlign="top">21</TD>
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302 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">No
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303 action taken</FONT></SPAN></TD>
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304 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">No
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305 action taken. The issuer declined with no other explanation.</FONT></SPAN></TD>
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308 <TD vAlign="top">22</TD>
\r
309 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Suspected
\r
310 malfunction</FONT></SPAN></TD>
\r
311 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Suspected
\r
312 malfunction.</FONT></SPAN></TD>
\r
315 <TD vAlign="top">23</TD>
\r
316 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Unacceptable
\r
317 transaction fee</FONT></SPAN></TD>
\r
318 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Unacceptable
\r
319 transaction fee.</FONT></SPAN></TD>
\r
322 <TD vAlign="top">24</TD>
\r
323 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">File
\r
324 update not supported</FONT></SPAN></TD>
\r
325 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">File
\r
326 update not supported.</FONT></SPAN></TD>
\r
329 <TD vAlign="top">25</TD>
\r
330 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Unable
\r
331 to locate record</FONT></SPAN></TD>
\r
332 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Unable
\r
333 to locate record.</FONT></SPAN></TD>
\r
336 <TD vAlign="top">26</TD>
\r
337 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Duplicate
\r
338 record</FONT></SPAN></TD>
\r
339 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Duplicate
\r
340 record.</FONT></SPAN></TD>
\r
343 <TD vAlign="top">27</TD>
\r
344 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">File
\r
345 update edit error</FONT></SPAN></TD>
\r
346 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">File
\r
347 update edit error.</FONT></SPAN></TD>
\r
350 <TD vAlign="top">28</TD>
\r
351 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">File
\r
352 update file locked</FONT></SPAN></TD>
\r
353 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">File
\r
354 update file locked.</FONT></SPAN></TD>
\r
359 <td valign="top" width="259">not used</td>
\r
360 <td valign="top"> </td>
\r
363 <td valign="top">30</td>
\r
364 <td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Format
\r
365 error, call ECHO</FONT></SPAN></td>
\r
366 <td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The
\r
367 host reported that the transaction was not formatted properly.</FONT></SPAN></td>
\r
370 <TD vAlign="top">31</TD>
\r
371 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Bank
\r
372 not supported</FONT></SPAN></TD>
\r
373 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Bank
\r
374 not supported by switch.</FONT></SPAN></TD>
\r
377 <TD vAlign="top">32</TD>
\r
378 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Completed
\r
379 partially</FONT></SPAN></TD>
\r
380 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Completed
\r
381 partially.</FONT></SPAN></TD>
\r
384 <TD vAlign="top">33</TD>
\r
385 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Expired
\r
386 card, pick-up</FONT></SPAN></TD>
\r
387 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The
\r
388 card is expired.<SPAN style="mso-spacerun: yes"> </SPAN>Merchant may
\r
389 receive reward money by capturing the card.</FONT></SPAN></TD>
\r
392 <TD vAlign="top">34</TD>
\r
393 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Issuer
\r
394 suspects fraud, pick-up card</FONT></SPAN></TD>
\r
395 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The
\r
396 card issuer suspects fraud.<SPAN style="mso-spacerun: yes"> </SPAN>Merchant
\r
397 may receive reward money by capturing the card.</FONT></SPAN></TD>
\r
400 <TD vAlign="top">35</TD>
\r
401 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Contact
\r
402 acquirer, pick-up</FONT></SPAN></TD>
\r
403 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Contact
\r
404 card issuer.<SPAN style="mso-spacerun: yes"> </SPAN>Merchant may receive
\r
405 reward money by capturing the card.</FONT></SPAN></TD>
\r
408 <TD vAlign="top">36</TD>
\r
409 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Restricted
\r
410 card, pick-up</FONT></SPAN></TD>
\r
411 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The
\r
412 card is restricted by the issuer.<SPAN style="mso-spacerun: yes"> </SPAN>Merchant
\r
413 may receive reward money by capturing the card.</FONT></SPAN></TD>
\r
416 <TD vAlign="top">37</TD>
\r
417 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Call
\r
418 ECHO security, pick-up</FONT></SPAN></TD>
\r
419 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Contact
\r
420 ECHO security.<SPAN style="mso-spacerun: yes"> </SPAN>Merchant may
\r
421 receive reward money by capturing the card.</FONT></SPAN></TD>
\r
424 <TD vAlign="top">38</TD>
\r
425 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">PIN
\r
426 tries exceeded, pick-up</FONT></SPAN></TD>
\r
427 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">PIN
\r
428 attempts exceed issuer limits.<SPAN style="mso-spacerun: yes"> </SPAN>Merchant
\r
429 may receive reward money by capturing the card.</FONT></SPAN></TD>
\r
432 <TD vAlign="top">39</TD>
\r
433 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">No
\r
434 credit account</FONT></SPAN></TD>
\r
435 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">No
\r
436 credit account.</FONT></SPAN></TD>
\r
441 <td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Function
\r
442 not supported</FONT></SPAN></td>
\r
443 <td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Requested
\r
444 function not supported.</FONT></SPAN></td>
\r
447 <td valign="top">41</td>
\r
448 <td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Lost
\r
449 Card, capture for reward</FONT></SPAN></td>
\r
450 <td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The
\r
451 card has been reported lost.</FONT></SPAN></td>
\r
454 <td valign="top">42</td>
\r
455 <td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">No
\r
456 universal account</FONT></SPAN></td>
\r
457 <td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">No
\r
458 universal account.</FONT></SPAN></td>
\r
461 <td valign="top">43</td>
\r
462 <td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Stolen
\r
463 Card, capture for reward</FONT></SPAN></td>
\r
464 <td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The
\r
465 card has been reported stolen.</FONT></SPAN></td>
\r
468 <TD vAlign="top">44</TD>
\r
469 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">No
\r
470 investment account</FONT></SPAN></TD>
\r
471 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">No
\r
472 investment account.</FONT></SPAN></TD>
\r
475 <td valign="top">45 - 50</td>
\r
476 <td valign="top" width="259">not used</td>
\r
477 <td valign="top"> </td>
\r
480 <td valign="top">51</td>
\r
481 <td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Not
\r
482 sufficient funds</FONT></SPAN></td>
\r
483 <td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The
\r
484 credit limit for this account has been exceeded.</FONT></SPAN></td>
\r
487 <td valign="top">52 - 53</td>
\r
488 <td valign="top" width="259">not used</td>
\r
489 <td valign="top"> </td>
\r
492 <td valign="top">54</td>
\r
493 <td valign="top" width="259">Expired card</td>
\r
494 <td valign="top">The card is expired.</td>
\r
497 <td valign="top">55</td>
\r
498 <td valign="top" width="259">Incorrect PIN</td>
\r
499 <td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The
\r
500 cardholder PIN is incorrect.</FONT></SPAN></td>
\r
503 <td valign="top">56</td>
\r
504 <td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">No
\r
505 card record</FONT></SPAN></td>
\r
506 <td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">No
\r
507 card record.</FONT></SPAN></td>
\r
510 <td valign="top">57</td>
\r
511 <td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Transaction
\r
512 not permitted to cardholder</FONT></SPAN></td>
\r
513 <td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The
\r
514 card is not allowed the type of transaction requested.</FONT></SPAN></td>
\r
517 <td valign="top">58</td>
\r
518 <td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Transaction
\r
519 not permitted on terminal</FONT></SPAN></td>
\r
520 <td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The
\r
521 Merchant is not allowed this type of transaction.</FONT></SPAN></td>
\r
524 <TD vAlign="top">59</TD>
\r
525 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Suspected
\r
526 fraud</FONT></SPAN></TD>
\r
527 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Suspected
\r
528 fraud.</FONT></SPAN></TD>
\r
533 <td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Contact
\r
534 ECHO</FONT></SPAN></td>
\r
535 <td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Contact
\r
536 ECHO.</FONT></SPAN></td>
\r
539 <td valign="top">61</td>
\r
540 <td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Exceeds
\r
541 withdrawal limit</FONT></SPAN></td>
\r
542 <td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The
\r
543 amount exceeds the allowed daily maximum.</FONT></SPAN></td>
\r
546 <td valign="top">62</td>
\r
547 <td valign="top" width="259">Restricted card</td>
\r
548 <td valign="top">The card has been restricted.</td>
\r
551 <td valign="top">63</td>
\r
552 <td valign="top" width="259">Security violation.</td>
\r
553 <td valign="top">The card has been restricted.</td>
\r
556 <td valign="top">64</td>
\r
557 <td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Original
\r
558 amount incorrect</FONT></SPAN></td>
\r
559 <td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Original
\r
560 amount incorrect.</FONT></SPAN></td>
\r
563 <td valign="top">65</td>
\r
564 <td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Exceeds
\r
565 withdrawal frequency</FONT></SPAN></td>
\r
566 <td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The
\r
567 allowable number of daily transactions has been exceeded.</FONT></SPAN></td>
\r
570 <TD vAlign="top">66</TD>
\r
571 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Call
\r
572 acquirer security, call ECHO</FONT></SPAN></TD>
\r
573 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Call
\r
574 acquirer security, call ECHO.</FONT></SPAN></TD>
\r
579 <td valign="top" width="259">not used</td>
\r
580 <td valign="top"> </td>
\r
583 <TD vAlign="top">68</TD>
\r
584 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Response
\r
585 received too late</FONT></SPAN></TD>
\r
586 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Response
\r
587 received too late.</FONT></SPAN></TD>
\r
590 <TD vAlign="top">69 - 74</TD>
\r
591 <TD vAlign="top" width="259">not used</TD>
\r
592 <TD vAlign="top"> </TD>
\r
595 <td valign="top">75</td>
\r
596 <td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">PIN
\r
597 tries exceeded</FONT></SPAN></td>
\r
598 <td valign="top">The allowed number of PIN retries has been exceeded.</td>
\r
601 <td valign="top">76</td>
\r
602 <td valign="top" width="259">Invalid "to" account</td>
\r
603 <td valign="top">The debit account does not exist.</td>
\r
606 <td valign="top">77</td>
\r
607 <td valign="top" width="259">Invalid "from" account</td>
\r
608 <td valign="top">The credit account does not exist.</td>
\r
611 <td valign="top">78</td>
\r
612 <td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Invalid
\r
613 account specified (general)</FONT></SPAN></td>
\r
615 The associated card number account is invalid or does not exist.</td>
\r
618 <TD vAlign="top">79</TD>
\r
619 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Already
\r
620 reversed</FONT></SPAN></TD>
\r
621 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Already
\r
622 reversed.</FONT></SPAN></TD>
\r
625 <td valign="top">80 - 83</td>
\r
626 <td valign="top" width="259">not used</td>
\r
627 <td valign="top"> </td>
\r
630 <td valign="top">84</td>
\r
631 <td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Invalid
\r
632 authorization life cycle</FONT></SPAN></td>
\r
633 <td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The
\r
634 authorization life cycle is invalid.</FONT></SPAN></td>
\r
637 <td valign="top">85 </td>
\r
638 <td valign="top" width="259">not used</td>
\r
639 <td valign="top"> </td>
\r
642 <TD vAlign="top">86</TD>
\r
643 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Cannot
\r
644 verify PIN</FONT></SPAN></TD>
\r
645 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Cannot
\r
646 verify PIN.</FONT></SPAN></TD>
\r
649 <TD vAlign="top">87</TD>
\r
650 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Network
\r
651 Unavailable</FONT></SPAN></TD>
\r
652 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Network
\r
653 Unavailable.</FONT></SPAN></TD>
\r
656 <TD vAlign="top">88</TD>
\r
657 <TD vAlign="top" width="259">not used</TD>
\r
658 <TD vAlign="top"> </TD>
\r
661 <TD vAlign="top">89</TD>
\r
662 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Ineligible
\r
663 to receive financial position information</FONT></SPAN></TD>
\r
664 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Ineligible
\r
665 to receive financial position information.</FONT></SPAN></TD>
\r
668 <TD vAlign="top">90</TD>
\r
669 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Cut-off
\r
670 in progress</FONT></SPAN></TD>
\r
671 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Cut-off
\r
672 in progress.</FONT></SPAN></TD>
\r
675 <td valign="top">91</td>
\r
676 <td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Issuer
\r
677 or switch inoperative</FONT></SPAN></td>
\r
678 <td valign="top">The bank is not available to authorize this transaction.</td>
\r
681 <td valign="top">92</td>
\r
682 <td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Routing
\r
683 error</FONT></SPAN></td>
\r
684 <td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT size="3"><FONT face="Times New Roman">The
\r
685 transaction cannot be routed to the authorizing agency.</FONT></FONT>
\r
689 <td valign="top">93</td>
\r
690 <td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Violation
\r
691 of law</FONT></SPAN></td>
\r
692 <td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Violation
\r
693 of law.</FONT></SPAN></td>
\r
696 <td valign="top">94</td>
\r
697 <td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Duplicate
\r
698 transaction</FONT></SPAN></td>
\r
699 <td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Duplicate
\r
700 transaction.</FONT></SPAN></td>
\r
703 <td valign="top">95</td>
\r
704 <td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Reconcile
\r
705 error</FONT></SPAN></td>
\r
706 <td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Reconcile
\r
707 error.</FONT></SPAN></td>
\r
710 <td valign="top">96</td>
\r
711 <td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">System
\r
712 malfunction</FONT></SPAN></td>
\r
713 <td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">A
\r
714 system error has occurred.</FONT></SPAN></td>
\r
717 <TD vAlign="top">97</TD>
\r
718 <TD vAlign="top" width="259">not used</TD>
\r
719 <TD vAlign="top"> </TD>
\r
722 <TD vAlign="top">98</TD>
\r
723 <TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Exceeds
\r
724 cash limit</FONT></SPAN></TD>
\r
725 <TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Exceeds
\r
726 cash limit.</FONT></SPAN></TD>
\r
731 Error codes are defined in the following table.</p>
\r
733 <table border="1" cellpadding="3" cellspacing="0" width="80%">
\r
734 <tr bgcolor="#e0e0e0">
\r
735 <td valign="top"><b>Error<br>
\r
737 <td valign="top"><b>Short<br>
\r
738 Description</b></td>
\r
739 <td valign="top"><b><br>
\r
740 Explanation</b></td>
\r
743 <td valign="top">1000</td>
\r
744 <td valign="top">Unrecoverable error.</td>
\r
745 <td valign="top">An unrecoverable error has occurred in the <b><i><font face="Verdana,Arial,Helvetica" size="-1">
\r
746 ECHO<font size="-2">NLINE</font></font></i></b> processing.</td>
\r
749 <td valign="top">1001</td>
\r
750 <td valign="top">Account closed</td>
\r
751 <td valign="top">The merchant account has been closed.</td>
\r
754 <td valign="top">1002</td>
\r
755 <td valign="top">System closed</td>
\r
757 Services for this system are not available.<br>
\r
758 (Not used by <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO<font size="-2">NLINE</font></font></i></b>)
\r
762 <td valign="top">1003</td>
\r
763 <td valign="top">E-Mail Down</td>
\r
764 <td valign="top">The e-mail function is not available.<br>
\r
765 (Not used by <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO<font size="-2">NLINE</font></font></i></b>)
\r
769 <td valign="top">1004-1011</td>
\r
770 <td valign="top">not used</td>
\r
771 <td valign="top"> </td>
\r
774 <td valign="top">1012</td>
\r
775 <td valign="top">Invalid trans code</td>
\r
776 <td valign="top">The host computer received an invalid transaction code.</td>
\r
779 <td valign="top">1013</td>
\r
780 <td valign="top">Invalid term id</td>
\r
781 <td valign="top">The ECHO-ID is invalid.</td>
\r
784 <td valign="top">1014</td>
\r
785 <td valign="top">not used</td>
\r
786 <td valign="top"> </td>
\r
789 <td valign="top">1015</td>
\r
790 <td valign="top">Invalid card number</td>
\r
791 <td valign="top">The credit card number that was sent to the host computer was
\r
795 <td valign="top">1016</td>
\r
796 <td valign="top">Invalid expiry date</td>
\r
797 <td valign="top">The card has expired or the expiration date was invalid.</td>
\r
800 <td valign="top">1017</td>
\r
801 <td valign="top">Invalid amount</td>
\r
802 <td valign="top">The dollar amount was less than 1.00 or greater than the maximum
\r
803 allowed for this card.</td>
\r
806 <td valign="top">1018</td>
\r
807 <td valign="top">not used</td>
\r
808 <td valign="top"> </td>
\r
811 <td valign="top">1019</td>
\r
812 <td valign="top">Invalid state</td>
\r
813 <td valign="top">The state code was invalid.<br>
\r
814 (Not used by <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO<font size="-2">NLINE</font></font></i></b>)
\r
818 <td valign="top">1020</td>
\r
819 <td valign="top">not used</td>
\r
820 <td valign="top"> </td>
\r
823 <td valign="top">1021</td>
\r
824 <td valign="top">Invalid service</td>
\r
825 <td valign="top">The merchant or card holder is not allowed to perform that kind of
\r
829 <td valign="top">1022-1023</td>
\r
830 <td valign="top">not used</td>
\r
831 <td valign="top"> </td>
\r
834 <td valign="top">1024</td>
\r
835 <td valign="top">Invalid auth code</td>
\r
836 <td valign="top">The authorization number presented with this transaction is
\r
837 incorrect. (deposit transactions only)</td>
\r
840 <td valign="top">1025</td>
\r
841 <td valign="top">Invalid reference number</td>
\r
842 <td valign="top">The reference number presented with this transaction is incorrect
\r
843 or is not numeric.</td>
\r
846 <td valign="top">1026-1028</td>
\r
847 <td valign="top">not used</td>
\r
848 <td valign="top"> </td>
\r
851 <td valign="top">1029</td>
\r
852 <td valign="top">Invalid contract number</td>
\r
853 <td valign="top">The contract number presented with this transaction is incorrect
\r
854 or is not numeric.<br>
\r
855 (Not used by <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO<font size="-2">NLINE</font></font></i></b>)
\r
859 <td valign="top">1030</td>
\r
860 <td valign="top">Invalid inventory data</td>
\r
861 <td valign="top">The inventory data presented with this transaction is not ASCII
\r
863 (Not used by <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO<font size="-2">NLINE</font></font></i></b>)
\r
867 <td valign="top">1031-1500</td>
\r
868 <td valign="top">not used</td>
\r
869 <td valign="top"> </td>
\r
873 <i>Error Codes 1501 through 1599 are generated by <b><i><font face="Verdana,Arial,Helvetica" size="-1">
\r
874 ECHO<font size="-2">NLINE</font></font></i></b> after validating
\r
875 the merchant but before presenting the transaction to the host computers for
\r
880 <td valign="top">1501-1507</td>
\r
881 <td valign="top">not used</td>
\r
882 <td valign="top"> </td>
\r
885 <td valign="top">1508</td>
\r
886 <td valign="top"> </td>
\r
887 <td valign="top">Invalid or missing order_type.</td>
\r
890 <td valign="top">1509</td>
\r
891 <td valign="top"> </td>
\r
892 <td valign="top">The merchant is not approved to submit this order_type.</td>
\r
895 <td valign="top">1510</td>
\r
896 <td valign="top"> </td>
\r
897 <td valign="top">The merchant is not approved to submit this transaction_type.</td>
\r
900 <td valign="top">1511</td>
\r
901 <td valign="top"> </td>
\r
903 Duplicate transaction attempt (see <a href="ISPGuide-Interface.asp#counter">counter</a>
\r
904 in Part I of this Specification</EM>).
\r
908 <td valign="top">1512-1598</td>
\r
909 <td valign="top">not used</td>
\r
910 <td valign="top"> </td>
\r
913 <td valign="top">1599</td>
\r
914 <td valign="top"> </td>
\r
915 <td valign="top">An system error occurred while validating the transaction input.</td>
\r
918 <td valign="top">1600-1800</td>
\r
919 <td valign="top">not used</td>
\r
920 <td valign="top"> </td>
\r
924 <i>Error Codes 1801 through 1814 are generated by <b><i><font face="Verdana,Arial,Helvetica" size="-1">
\r
925 ECHO<font size="-2">NLINE</font></font></i></b> to indicate
\r
926 responses to <a href="ISPGuide-Response.asp#AVSOnly">AVS-Only transactions</a> when
\r
927 the response is anything but "X" or "Y" (all digits match).</i>
\r
932 <td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "A"</a></td>
\r
933 <td>Address matches; ZIP does not match.</td>
\r
937 <td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "W"</a></td>
\r
938 <td>9-digit ZIP matches; Address does not match.</td>
\r
942 <td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "Z"</a></td>
\r
943 <td>5-digit ZIP matches; Address does not match.</td>
\r
947 <td><a href="ISPGuide-Response.asp#AVSOnly">Return Codes "U"</a></td>
\r
948 <td>Issuer unavailable; cannot verify.</td>
\r
952 <td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "R"</a></td>
\r
953 <td>Retry; system is currently unable to process.</td>
\r
957 <td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "S" or "G"</a></td>
\r
958 <td>Issuer does not support AVS.</td>
\r
962 <td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "N"</a></td>
\r
963 <td>Nothing matches.</td>
\r
967 <td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "E"</a></td>
\r
968 <td>Invalid AVS only response.</td>
\r
972 <td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "B"</a></td>
\r
973 <td>Street address match. Postal code not verified because of incompatible formats.</td>
\r
977 <td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "C"</a></td>
\r
978 <td>Street address and Postal code not verified because of incompatible formats.</td>
\r
982 <td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "D"</a></td>
\r
983 <td>Street address match and Postal code match.</td>
\r
987 <td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "I"</a></td>
\r
988 <td>Address information not verified for international transaction.</td>
\r
992 <td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "M"</a></td>
\r
993 <td>Street address match and Postal code match.</td>
\r
997 <td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "P"</a></td>
\r
998 <td>Postal code match. Street address not verified because of incompatible formats.</td>
\r
1001 <td>1815-1896</td>
\r
1006 <td valign="top">1897</td>
\r
1007 <td valign="top">invalid response</td>
\r
1008 <td valign="top">The host returned an invalid response.</td>
\r
1011 <td valign="top">1898</td>
\r
1012 <td valign="top">disconnect</td>
\r
1013 <td valign="top">The host unexpectedly disconnected.</td>
\r
1016 <td valign="top">1899</td>
\r
1017 <td valign="top">timeout</td>
\r
1018 <td valign="top">Timeout waiting for host response.</td>
\r
1021 <td valign="top">1900-2070</td>
\r
1022 <td valign="top">not used</td>
\r
1023 <td valign="top"> </td>
\r
1026 <td valign="top">2071</td>
\r
1027 <td valign="top">Call VISA</td>
\r
1028 <td valign="top">An authorization number from the VISA Voice Center is required to
\r
1029 approve this transaction.</td>
\r
1032 <td valign="top">2072</td>
\r
1033 <td valign="top">Call Master Card</td>
\r
1034 <td valign="top">An authorization number from the Master Card Voice Center is
\r
1035 required to approve this transaction.</td>
\r
1038 <td valign="top">2073</td>
\r
1039 <td valign="top">Call Carte Blanche</td>
\r
1040 <td valign="top">An authorization number from the Carte Blanche Voice Center is
\r
1041 required to approve this transaction.</td>
\r
1044 <td valign="top">2074</td>
\r
1045 <td valign="top">Call Diners Club</td>
\r
1046 <td valign="top">An authorization number from the Diners' Club Voice Center is
\r
1047 required to approve this transaction.</td>
\r
1050 <td valign="top">2075</td>
\r
1051 <td valign="top">Call AMEX</td>
\r
1052 <td valign="top">An authorization number from the American Express Voice Center is
\r
1053 required to approve this transaction.</td>
\r
1056 <td valign="top">2076</td>
\r
1057 <td valign="top">Call Discover</td>
\r
1058 <td valign="top">An authorization number from the Discover Voice Center is required
\r
1059 to approve this transaction.</td>
\r
1062 <td valign="top">2077</td>
\r
1063 <td valign="top">not used</td>
\r
1064 <td valign="top"> </td>
\r
1067 <td valign="top">2078</td>
\r
1068 <td valign="top">Call ECHO</td>
\r
1069 <td valign="top">The merchant must call <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO</font></i></b>
\r
1070 Customer Support for approval.or because there is a problem with the merchant's
\r
1075 <td>Call XpresscheX</td>
\r
1076 <td>The merchant must call <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO</font></i></b>
\r
1077 Customer Support for approval.or because there is a problem with the merchant's
\r
1082 <i>The remaining error codes are generated by the <b><i><font face="Verdana,Arial,Helvetica" size="-1">
\r
1083 ECHO</font></i></b> host computers in response to errors in the
\r
1084 dial-up protocol. These messages should never appear in <b><i><font face="Verdana,Arial,Helvetica" size="-1">
\r
1085 ECHO<font size="-2">NLINE</font></font></i></b>. They are listed
\r
1086 below for completeness. </i>
\r
1091 <td>No ACK on Resp</td>
\r
1092 <td>The host did not receive an ACK from the terminal after sending the transaction
\r
1097 <td>POS NAK'd 3 Times</td>
\r
1098 <td>The host disconnected after the terminal replied 3 times to the host response
\r
1103 <td>Drop on Wait</td>
\r
1104 <td>The line dropped before the host could send a response to the terminal.</td>
\r
1108 <td>Drop on Resp</td>
\r
1109 <td>The line dropped while the host was sending the response to the terminal.</td>
\r
1113 <td>Drop Before EOT</td>
\r
1114 <td>The host received an ACK from the terminal but the line dropped before the host
\r
1115 could send the EOT.</td>
\r
1119 <td>No Resp to ENQ</td>
\r
1120 <td>The line was up and carrier detected, but the terminal did not respond to the
\r
1125 <td>Drop on Input</td>
\r
1126 <td>The line disconnected while the host was receiving data from the terminal.</td>
\r
1130 <td>FEP NAK'd 3 Times</td>
\r
1131 <td>The host disconnected after receiving 3 transmissions with incorrect LRC from
\r
1132 the terminal.</td>
\r
1136 <td>No Resp to ENQ</td>
\r
1137 <td>The line disconnected during input data wait in Multi-Trans Mode.</td>
\r
1141 <td>Drop on Input</td>
\r
1142 <td>The host encountered a full queue and discarded the input data.</td>
\r
1145 <td>9000-9999</td>
\r
1146 <td>Host Error</td>
\r
1147 <td>The host encountered an internal error and was not able to process the
\r
1152 <h2>Electronic Check Transactions</h2>
\r
1153 <FONT face="Verdana,Arial,Helvetica" size="-1"><B><I>ECHO</I></B></FONT> verifies
\r
1154 all electronic checks against the National Check Information Systems (NCIS)
\r
1155 database. This is a real-time check verification system that can return a wide
\r
1156 variety of responses and conditions. <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO<font size="-2">NLINE</font></font></i></b>
\r
1157 does nor recognize a warning response, only approvals and declines. Therefore,
\r
1158 warnings received from NCIS are treated as declines by <b><i><font face="Verdana,Arial,Helvetica" size="-1">
\r
1159 ECHO<font size="-2">NLINE</font></font></i></b>.
\r
1161 Decline responses are formatted as shown below. Each message is 16 characters
\r
1162 long and contains information regarding the reasons for the decline or warning
\r
1163 and the name and contact number for the agency providing the information
\r
1164 leading to the decline.
\r
1166 The NCN Response Format.pdf document located in the <A href="/XCXPlusTrans.zip"><I><FONT face="Verdana,Arial,Helvetica" size="-1">
\r
1167 X<FONT size="-2">PRESS</FONT>C<FONT size="-2">HE</FONT>X<FONT size="-2">PLUS</FONT></FONT></I>
\r
1168 Transaction Validation Tool</A>
\r
1169 contains all Check Verification Responses.
\r
1172 <table border="1" cellpadding="3" cellspacing="0" width="80%">
\r
1173 <tr bgcolor="#e0e0e0">
\r
1174 <td valign="top"><b>Field</b></td>
\r
1175 <td valign="top"><b>Size</b></td>
\r
1176 <td valign="top"><b>Description</b></td>
\r
1179 <td valign="top">tag</td>
\r
1180 <td valign="top">11</td>
\r
1181 <td valign="top">"<ECHOTYPE1>"</td>
\r
1184 <td valign="top">message</td>
\r
1185 <td valign="top">16</td>
\r
1187 Decline message (see examples below).
\r
1191 <td valign="top">message</td>
\r
1192 <td valign="top">16</td>
\r
1194 from 0 to <i>n</i> instances of additional decline and warning messages.
\r
1198 <td valign="top">tag</td>
\r
1199 <td valign="top">12</td>
\r
1200 <td valign="top">"</ECHOTYPE1>"</td>
\r
1205 <b>Examples:</b><br>
\r
1206 The first example shows a decline response containing 7 separate
\r
1207 messages.<p><code><!--<ECHOTYPE1>DECLINE·CHECK···50·UNPAIDS·(ALL)UNPAID·AMT=·3778PHN·800-555-4503···CHKACHEK·····PHN·800-555-2954····XPCK!·······</ECHOTYPE1>--><br><!--<ECHOTYPE1>WARNING·········DAYLOC/NCHCKS=14DAYLOC/AMT=45···WINLOC/AMT=12···</ECHOTYPE1>
\r
1209 <!-- <ECHOTYPE1>ERROR IN ID·····</ECHOTYPE1> --><BR>
\r
1211 <ECHOTYPE1>DECLINE·CHECK····2·UNPAIDS·(LOC)UNPAID·AMT=··376BANK·STOP·······PHN
\r
1212 800-555-4503SUPER·COLLECT···</ECHOTYPE1> --><BR>
\r
1213 <!-- <ECHOTYPE1>RE-PRESENTED CHK</ECHOTYPE1> --> </CODE>
\r
1216 All Electronic Check Declines return a Decline Code of "0005" in the ECHOTYPE3
\r
1217 <decline_code> tag (i.e., <decline_code>0005</decline_code>
\r
1218 ). To determine the exact reason for the decline, the ECHOTYPE1 response must
\r
1221 <hr size="3" color="#000080">
\r
1223 <SCRIPT LANGUAGE=JAVASCRIPT>
\r
1224 /* Opens a new Window linking to the supplied url */
\r
1225 function popUp(url){
\r
1226 sealWin=window.open(url,"win",'toolbar=0,location=0,directories=0,status=1,menubar=0,scrollbars=1,resizable=1,width=500,height=520');
\r
1227 self.name = "mainWin"; }
\r
1231 <font size="-2" face="Verdana,Arial,Helvetica">
\r
1233 <a href="/">Merchant Center</a>
\r
1234 <a href="http://www.echo-inc.com/">ECHO Home</a>
\r
1235 <a href="mailto:webmaster@echo-inc.com">Feedback</a>
\r
1236 <a href="http://www.echo-inc.com/helpdesk.html">Contact ECHO</a>
\r
1237 <a href="javascript:popUp('/copyright.asp')">Copyright</a>
\r
1240 <a href="/login.asp">Login</a>
\r
projects / Business-OnlinePayment-OpenECHO.git / blob