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+ <HEAD>\r
+ <title>V: ECHOnline Decline and Error Responses</title>\r
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+<table border="0" width="100%">\r
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+ <td rowspan=2 valign=center align=middle height="48" width="50">\r
+ \r
+ \r
+ <a href="/"><img src="/images/ECHOBall3.jpg" border=0 alt="ECHO Merchant Center"></a>\r
+ \r
+ </td>\r
+ \r
+ <td align="left" valign="bottom">\r
+ <b><font size=+1>Interface Specification</b></font>\r
+ </td>\r
+ \r
+ <td align="right" valign="bottom">\r
+ <font size="-1"><font face="Arial,Verdana,Helvetica"><b><i><font size=+2>ECHOnline </i></b></font></font>\r
+ \r
+ \r
+ <br><b>Document revision date 05/24/2004</b></font>\r
+ </td>\r
+ </tr>\r
+</table>\r
+ \r
+<hr size="3" color="#000080">\r
+ <a href="/ISPGuide-Menu.asp">Return to the <font face="Verdana,Arial,Helvetica" size="-1">\r
+ <b><i>ECHO</b></I></font> <b>Internet Development Tools</b> home page.</a>\r
+ <h1>Part V: Decline and Error Responses</h1>\r
+ <p>\r
+ This document describes the content of an ECHOTYPE1 response containing a \r
+ decline or error response received from the <font face="Verdana,Arial,Helvetica" size="-1">\r
+ <b><i>ECHO</i></b></font> host computers. For a general description of <b><i><font face="Verdana,Arial,Helvetica" size="-1">\r
+ ECHO<font size="-2">NLINE</font></font></i></b> responses see <a href="ISPGuide-Interface.asp#Responses">\r
+ Response Protocol</a>\r
+ in Part I of this Specification.\r
+ <p>\r
+ Host responses differ depending on the transaction code and whether or not an \r
+ error or decline was detected by the host. For a description of acknowledgement \r
+ and approval responses see <a href="ISPGuide-Response.asp"><b>Part IV: <i><font face="Verdana,Arial,Helvetica" size="-1">\r
+ ECHO<font size="-2">NLINE</font></font></i> Host Responses</b></a>\r
+ .\r
+ <p>\r
+ Credit card transactions and electronic check transactions differ slightly in \r
+ their format. For this reason they are treated separately in the sections \r
+ below. In the examples, the "·" character is used to indicate a space \r
+ character.\r
+ <h2>Credit Card Transactions</h2>\r
+ Decline and error responses are very similar in that they both represent \r
+ situations that prevent a transaction from being authorized. Decline codes can \r
+ actually represent a system error, and error codes can actually represent an \r
+ account restriction. The difference between the two is more of a historical \r
+ artifact than any distinction between an "error" and a "decline."\r
+ <p>\r
+ Decline responses are always preceded by the word "DECLINED," while error \r
+ responses contain various text messages from <b><i><font face="Verdana,Arial,Helvetica" size="-1">\r
+ ECHO</font></i></b>'s host computer or the issuer's computers. \r
+ Decline and error responses are described below.\r
+ <h3>Message Formats</h3>\r
+ <p>\r
+ Decline responses are formatted as follows.\r
+ <p>\r
+ <center>\r
+ <table border="1" cellpadding="3" cellspacing="0" width="80%">\r
+ <tr bgcolor="#e0e0e0">\r
+ <td valign="top"><b>Field</b></td>\r
+ <td valign="top"><b>Size</b></td>\r
+ <td valign="top"><b>Description</b></td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">tag</td>\r
+ <td valign="top">11</td>\r
+ <td valign="top">"<ECHOTYPE1>"</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">decline</td>\r
+ <td valign="top">9</td>\r
+ <td valign="top">"DECLINED "</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">decline code\r
+ </td>\r
+ <td valign="top">2</td>\r
+ <td valign="top">See Decline Codes table below</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">filler</td>\r
+ <td valign="top">1</td>\r
+ <td valign="top">" " (space)</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">amount</td>\r
+ <td valign="top">20</td>\r
+ <td valign="top">Declined transaction amount. <em><b>Note</b></em>: This field is \r
+ right-justified with leading zeroes suppressed. Depending on the type of \r
+ decline, there may or may not be a "$" character in the leftmost position of \r
+ this field. Examples: "$bbbbbbbbbbbbbbb2.99" and "bbbbbbbbbbbbbbbb2.99"</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">tag</td>\r
+ <td valign="top">12</td>\r
+ <td valign="top">"</ECHOTYPE1>"</td>\r
+ </tr>\r
+ </table>\r
+ </center>\r
+ <p>\r
+ Error responses are formatted as follows.\r
+ <p>\r
+ <center>\r
+ <table border="1" cellpadding="3" cellspacing="0" width="80%">\r
+ <tr bgcolor="#e0e0e0">\r
+ <td valign="top"><b>Field</b></td>\r
+ <td valign="top"><b>Size</b></td>\r
+ <td valign="top"><b>Description</b></td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">tag</td>\r
+ <td valign="top">11</td>\r
+ <td valign="top">"<ECHOTYPE1>"</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">error text</td>\r
+ <td valign="top">20</td>\r
+ <td valign="top">error description</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">error code</td>\r
+ <td valign="top">4</td>\r
+ <td valign="top">See Error Codes table below</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">tag</td>\r
+ <td valign="top">12</td>\r
+ <td valign="top">"</ECHOTYPE1>"</td>\r
+ </tr>\r
+ </table>\r
+ </center>\r
+ <h3>Decline Codes</h3>\r
+ <p>Decline codes are defined in the following table.</p>\r
+ <center>\r
+ <table border="1" cellpadding="3" cellspacing="0" width="80%">\r
+ <tr bgcolor="#e0e0e0">\r
+ <td valign="top"><b>Decline<br>\r
+ Code</b></td>\r
+ <td valign="top" width="259"><b>Short<br>\r
+ Description</b></td>\r
+ <td valign="top"><b><br>\r
+ Explanation</b></td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">01</td>\r
+ <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 \r
+ to card issuer</FONT></SPAN></td>\r
+ <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
+ merchant must call the issuer before the transaction can be approved.</FONT></SPAN></td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">02</td>\r
+ <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 \r
+ to card issuer, special condition</FONT></SPAN></td>\r
+ <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
+ merchant must call the issuer before the transaction can be approved.</FONT></SPAN></td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">03</td>\r
+ <td valign="top" width="259">Invalid merchant number</td>\r
+ <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
+ merchant ID is not valid.</FONT></SPAN></td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">04</td>\r
+ <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 \r
+ card. Capture for reward</FONT></SPAN></td>\r
+ <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
+ card is listed on the Warning Bulletin.<SPAN style="mso-spacerun: yes"> </SPAN>Merchant \r
+ may receive reward money by capturing the card.</FONT></SPAN></td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">05</td>\r
+ <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 \r
+ not honor. The transaction was declined by the issuer without definition or \r
+ reason</FONT></SPAN></td>\r
+ <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 \r
+ transaction was declined without explanation by the card issuer.</FONT></SPAN>\r
+ </SPAN></td>\r
+ </tr>\r
+ <TR>\r
+ <TD vAlign="top">06</TD>\r
+ <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>\r
+ <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
+ card issuer returned an error without further explanation.</FONT></SPAN></TD>\r
+ </TR>\r
+ <TR>\r
+ <TD vAlign="top">07</TD>\r
+ <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 \r
+ card, special condition</FONT></SPAN></TD>\r
+ <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
+ card is listed on the Warning Bulletin.<SPAN style="mso-spacerun: yes"> </SPAN>Merchant \r
+ may receive reward money by capturing the card.</FONT></SPAN></TD>\r
+ </TR>\r
+ <TR>\r
+ <TD vAlign="top">08</TD>\r
+ <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 \r
+ with identification</FONT></SPAN></TD>\r
+ <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 \r
+ with identification.</FONT></SPAN></TD>\r
+ </TR>\r
+ <TR>\r
+ <TD vAlign="top">09</TD>\r
+ <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 \r
+ in progress</FONT></SPAN></TD>\r
+ <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 \r
+ in progress.</FONT></SPAN></TD>\r
+ </TR>\r
+ <TR>\r
+ <TD vAlign="top">10</TD>\r
+ <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 \r
+ for partial amount</FONT></SPAN></TD>\r
+ <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 \r
+ for partial amount.</FONT></SPAN></TD>\r
+ </TR>\r
+ <tr>\r
+ <td valign="top">\r
+ 11</td>\r
+ <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, \r
+ VIP</FONT></SPAN></td>\r
+ <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, \r
+ VIP program.</FONT></SPAN>\r
+ </SPAN></FONT></SPAN></td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">12</td>\r
+ <td valign="top" width="259">Invalid transaction</td>\r
+ <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
+ requested transaction is not supported or is not valid for the card number \r
+ presented.</FONT></SPAN></td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">13</td>\r
+ <td valign="top" width="259">Invalid amount</td>\r
+ <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
+ amount exceeds the limits established by the issuer for this type of \r
+ transaction.</FONT></SPAN></td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">14</td>\r
+ <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
+ card #</FONT></SPAN></td>\r
+ <td valign="top">The issuer indicates that this card is not valid.</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">15</td>\r
+ <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
+ such issuer</FONT></SPAN></td>\r
+ <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
+ card issuer number is not valid.</FONT></SPAN></td>\r
+ </tr>\r
+ <TR>\r
+ <TD vAlign="top">16</TD>\r
+ <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, \r
+ update track 3</FONT></SPAN></TD>\r
+ <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, \r
+ update track 3.</FONT></SPAN></TD>\r
+ </TR>\r
+ <TR>\r
+ <TD vAlign="top">17</TD>\r
+ <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 \r
+ cancellation</FONT></SPAN></TD>\r
+ <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 \r
+ cancellation.</FONT></SPAN></TD>\r
+ </TR>\r
+ <TR>\r
+ <TD vAlign="top">18</TD>\r
+ <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 \r
+ dispute</FONT></SPAN></TD>\r
+ <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 \r
+ dispute.</FONT></SPAN></TD>\r
+ </TR>\r
+ <TR>\r
+ <TD vAlign="top">19</TD>\r
+ <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 \r
+ enter transaction</FONT></SPAN></TD>\r
+ <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 \r
+ should resubmit transaction.</FONT></SPAN></TD>\r
+ </TR>\r
+ <TR>\r
+ <TD vAlign="top">20</TD>\r
+ <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
+ response</FONT></SPAN></TD>\r
+ <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 \r
+ response.</FONT></SPAN></TD>\r
+ </TR>\r
+ <TR>\r
+ <TD vAlign="top">21</TD>\r
+ <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
+ action taken</FONT></SPAN></TD>\r
+ <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
+ action taken. The issuer declined with no other explanation.</FONT></SPAN></TD>\r
+ </TR>\r
+ <TR>\r
+ <TD vAlign="top">22</TD>\r
+ <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
+ malfunction</FONT></SPAN></TD>\r
+ <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
+ malfunction.</FONT></SPAN></TD>\r
+ </TR>\r
+ <TR>\r
+ <TD vAlign="top">23</TD>\r
+ <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
+ transaction fee</FONT></SPAN></TD>\r
+ <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
+ transaction fee.</FONT></SPAN></TD>\r
+ </TR>\r
+ <TR>\r
+ <TD vAlign="top">24</TD>\r
+ <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
+ update not supported</FONT></SPAN></TD>\r
+ <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
+ update not supported.</FONT></SPAN></TD>\r
+ </TR>\r
+ <TR>\r
+ <TD vAlign="top">25</TD>\r
+ <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
+ to locate record</FONT></SPAN></TD>\r
+ <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
+ to locate record.</FONT></SPAN></TD>\r
+ </TR>\r
+ <TR>\r
+ <TD vAlign="top">26</TD>\r
+ <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
+ record</FONT></SPAN></TD>\r
+ <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
+ record.</FONT></SPAN></TD>\r
+ </TR>\r
+ <TR>\r
+ <TD vAlign="top">27</TD>\r
+ <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
+ update edit error</FONT></SPAN></TD>\r
+ <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
+ update edit error.</FONT></SPAN></TD>\r
+ </TR>\r
+ <TR>\r
+ <TD vAlign="top">28</TD>\r
+ <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
+ update file locked</FONT></SPAN></TD>\r
+ <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
+ update file locked.</FONT></SPAN></TD>\r
+ </TR>\r
+ <tr>\r
+ <td valign="top">\r
+ 29</td>\r
+ <td valign="top" width="259">not used</td>\r
+ <td valign="top"> </td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">30</td>\r
+ <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
+ error, call ECHO</FONT></SPAN></td>\r
+ <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
+ host reported that the transaction was not formatted properly.</FONT></SPAN></td>\r
+ </tr>\r
+ <TR>\r
+ <TD vAlign="top">31</TD>\r
+ <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
+ not supported</FONT></SPAN></TD>\r
+ <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
+ not supported by switch.</FONT></SPAN></TD>\r
+ </TR>\r
+ <TR>\r
+ <TD vAlign="top">32</TD>\r
+ <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
+ partially</FONT></SPAN></TD>\r
+ <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
+ partially.</FONT></SPAN></TD>\r
+ </TR>\r
+ <TR>\r
+ <TD vAlign="top">33</TD>\r
+ <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
+ card, pick-up</FONT></SPAN></TD>\r
+ <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
+ card is expired.<SPAN style="mso-spacerun: yes"> </SPAN>Merchant may \r
+ receive reward money by capturing the card.</FONT></SPAN></TD>\r
+ </TR>\r
+ <TR>\r
+ <TD vAlign="top">34</TD>\r
+ <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
+ suspects fraud, pick-up card</FONT></SPAN></TD>\r
+ <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
+ card issuer suspects fraud.<SPAN style="mso-spacerun: yes"> </SPAN>Merchant \r
+ may receive reward money by capturing the card.</FONT></SPAN></TD>\r
+ </TR>\r
+ <TR>\r
+ <TD vAlign="top">35</TD>\r
+ <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
+ acquirer, pick-up</FONT></SPAN></TD>\r
+ <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
+ card issuer.<SPAN style="mso-spacerun: yes"> </SPAN>Merchant may receive \r
+ reward money by capturing the card.</FONT></SPAN></TD>\r
+ </TR>\r
+ <TR>\r
+ <TD vAlign="top">36</TD>\r
+ <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
+ card, pick-up</FONT></SPAN></TD>\r
+ <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
+ card is restricted by the issuer.<SPAN style="mso-spacerun: yes"> </SPAN>Merchant \r
+ may receive reward money by capturing the card.</FONT></SPAN></TD>\r
+ </TR>\r
+ <TR>\r
+ <TD vAlign="top">37</TD>\r
+ <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
+ ECHO security, pick-up</FONT></SPAN></TD>\r
+ <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
+ ECHO security.<SPAN style="mso-spacerun: yes"> </SPAN>Merchant may \r
+ receive reward money by capturing the card.</FONT></SPAN></TD>\r
+ </TR>\r
+ <TR>\r
+ <TD vAlign="top">38</TD>\r
+ <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
+ tries exceeded, pick-up</FONT></SPAN></TD>\r
+ <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
+ attempts exceed issuer limits.<SPAN style="mso-spacerun: yes"> </SPAN>Merchant \r
+ may receive reward money by capturing the card.</FONT></SPAN></TD>\r
+ </TR>\r
+ <TR>\r
+ <TD vAlign="top">39</TD>\r
+ <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
+ credit account</FONT></SPAN></TD>\r
+ <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
+ credit account.</FONT></SPAN></TD>\r
+ </TR>\r
+ <tr>\r
+ <td valign="top">\r
+ 40</td>\r
+ <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
+ not supported</FONT></SPAN></td>\r
+ <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
+ function not supported.</FONT></SPAN></td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">41</td>\r
+ <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
+ Card, capture for reward</FONT></SPAN></td>\r
+ <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
+ card has been reported lost.</FONT></SPAN></td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">42</td>\r
+ <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
+ universal account</FONT></SPAN></td>\r
+ <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
+ universal account.</FONT></SPAN></td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">43</td>\r
+ <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
+ Card, capture for reward</FONT></SPAN></td>\r
+ <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
+ card has been reported stolen.</FONT></SPAN></td>\r
+ </tr>\r
+ <TR>\r
+ <TD vAlign="top">44</TD>\r
+ <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
+ investment account</FONT></SPAN></TD>\r
+ <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
+ investment account.</FONT></SPAN></TD>\r
+ </TR>\r
+ <tr>\r
+ <td valign="top">45 - 50</td>\r
+ <td valign="top" width="259">not used</td>\r
+ <td valign="top"> </td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">51</td>\r
+ <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
+ sufficient funds</FONT></SPAN></td>\r
+ <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
+ credit limit for this account has been exceeded.</FONT></SPAN></td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">52 - 53</td>\r
+ <td valign="top" width="259">not used</td>\r
+ <td valign="top"> </td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">54</td>\r
+ <td valign="top" width="259">Expired card</td>\r
+ <td valign="top">The card is expired.</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">55</td>\r
+ <td valign="top" width="259">Incorrect PIN</td>\r
+ <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
+ cardholder PIN is incorrect.</FONT></SPAN></td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">56</td>\r
+ <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
+ card record</FONT></SPAN></td>\r
+ <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
+ card record.</FONT></SPAN></td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">57</td>\r
+ <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
+ not permitted to cardholder</FONT></SPAN></td>\r
+ <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
+ card is not allowed the type of transaction requested.</FONT></SPAN></td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">58</td>\r
+ <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
+ not permitted on terminal</FONT></SPAN></td>\r
+ <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
+ Merchant is not allowed this type of transaction.</FONT></SPAN></td>\r
+ </tr>\r
+ <TR>\r
+ <TD vAlign="top">59</TD>\r
+ <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
+ fraud</FONT></SPAN></TD>\r
+ <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
+ fraud.</FONT></SPAN></TD>\r
+ </TR>\r
+ <tr>\r
+ <td valign="top">\r
+ 60</td>\r
+ <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
+ ECHO</FONT></SPAN></td>\r
+ <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
+ ECHO.</FONT></SPAN></td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">61</td>\r
+ <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
+ withdrawal limit</FONT></SPAN></td>\r
+ <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
+ amount exceeds the allowed daily maximum.</FONT></SPAN></td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">62</td>\r
+ <td valign="top" width="259">Restricted card</td>\r
+ <td valign="top">The card has been restricted.</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">63</td>\r
+ <td valign="top" width="259">Security violation.</td>\r
+ <td valign="top">The card has been restricted.</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">64</td>\r
+ <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
+ amount incorrect</FONT></SPAN></td>\r
+ <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
+ amount incorrect.</FONT></SPAN></td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">65</td>\r
+ <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
+ withdrawal frequency</FONT></SPAN></td>\r
+ <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
+ allowable number of daily transactions has been exceeded.</FONT></SPAN></td>\r
+ </tr>\r
+ <TR>\r
+ <TD vAlign="top">66</TD>\r
+ <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
+ acquirer security, call ECHO</FONT></SPAN></TD>\r
+ <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
+ acquirer security, call ECHO.</FONT></SPAN></TD>\r
+ </TR>\r
+ <tr>\r
+ <td valign="top">\r
+ 67</td>\r
+ <td valign="top" width="259">not used</td>\r
+ <td valign="top"> </td>\r
+ </tr>\r
+ <TR>\r
+ <TD vAlign="top">68</TD>\r
+ <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
+ received too late</FONT></SPAN></TD>\r
+ <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
+ received too late.</FONT></SPAN></TD>\r
+ </TR>\r
+ <TR>\r
+ <TD vAlign="top">69 - 74</TD>\r
+ <TD vAlign="top" width="259">not used</TD>\r
+ <TD vAlign="top"> </TD>\r
+ </TR>\r
+ <tr>\r
+ <td valign="top">75</td>\r
+ <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
+ tries exceeded</FONT></SPAN></td>\r
+ <td valign="top">The allowed number of PIN retries has been exceeded.</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">76</td>\r
+ <td valign="top" width="259">Invalid "to" account</td>\r
+ <td valign="top">The debit account does not exist.</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">77</td>\r
+ <td valign="top" width="259">Invalid "from" account</td>\r
+ <td valign="top">The credit account does not exist.</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">78</td>\r
+ <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
+ account specified (general)</FONT></SPAN></td>\r
+ <td valign="top">\r
+ The associated card number account is invalid or does not exist.</td>\r
+ </tr>\r
+ <TR>\r
+ <TD vAlign="top">79</TD>\r
+ <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
+ reversed</FONT></SPAN></TD>\r
+ <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
+ reversed.</FONT></SPAN></TD>\r
+ </TR>\r
+ <tr>\r
+ <td valign="top">80 - 83</td>\r
+ <td valign="top" width="259">not used</td>\r
+ <td valign="top"> </td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">84</td>\r
+ <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
+ authorization life cycle</FONT></SPAN></td>\r
+ <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
+ authorization life cycle is invalid.</FONT></SPAN></td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">85 </td>\r
+ <td valign="top" width="259">not used</td>\r
+ <td valign="top"> </td>\r
+ </tr>\r
+ <TR>\r
+ <TD vAlign="top">86</TD>\r
+ <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
+ verify PIN</FONT></SPAN></TD>\r
+ <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
+ verify PIN.</FONT></SPAN></TD>\r
+ </TR>\r
+ <TR>\r
+ <TD vAlign="top">87</TD>\r
+ <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
+ Unavailable</FONT></SPAN></TD>\r
+ <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
+ Unavailable.</FONT></SPAN></TD>\r
+ </TR>\r
+ <TR>\r
+ <TD vAlign="top">88</TD>\r
+ <TD vAlign="top" width="259">not used</TD>\r
+ <TD vAlign="top"> </TD>\r
+ </TR>\r
+ <TR>\r
+ <TD vAlign="top">89</TD>\r
+ <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
+ to receive financial position information</FONT></SPAN></TD>\r
+ <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
+ to receive financial position information.</FONT></SPAN></TD>\r
+ </TR>\r
+ <TR>\r
+ <TD vAlign="top">90</TD>\r
+ <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
+ in progress</FONT></SPAN></TD>\r
+ <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
+ in progress.</FONT></SPAN></TD>\r
+ </TR>\r
+ <tr>\r
+ <td valign="top">91</td>\r
+ <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
+ or switch inoperative</FONT></SPAN></td>\r
+ <td valign="top">The bank is not available to authorize this transaction.</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">92</td>\r
+ <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
+ error</FONT></SPAN></td>\r
+ <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
+ transaction cannot be routed to the authorizing agency.</FONT></FONT>\r
+ </SPAN></td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">93</td>\r
+ <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
+ of law</FONT></SPAN></td>\r
+ <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
+ of law.</FONT></SPAN></td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">94</td>\r
+ <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
+ transaction</FONT></SPAN></td>\r
+ <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
+ transaction.</FONT></SPAN></td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">95</td>\r
+ <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
+ error</FONT></SPAN></td>\r
+ <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
+ error.</FONT></SPAN></td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">96</td>\r
+ <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
+ malfunction</FONT></SPAN></td>\r
+ <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
+ system error has occurred.</FONT></SPAN></td>\r
+ </tr>\r
+ <TR>\r
+ <TD vAlign="top">97</TD>\r
+ <TD vAlign="top" width="259">not used</TD>\r
+ <TD vAlign="top"> </TD>\r
+ </TR>\r
+ <TR>\r
+ <TD vAlign="top">98</TD>\r
+ <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
+ cash limit</FONT></SPAN></TD>\r
+ <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
+ cash limit.</FONT></SPAN></TD>\r
+ </TR>\r
+ </table>\r
+ </center>\r
+ <p>\r
+ Error codes are defined in the following table.</p>\r
+ <center>\r
+ <table border="1" cellpadding="3" cellspacing="0" width="80%">\r
+ <tr bgcolor="#e0e0e0">\r
+ <td valign="top"><b>Error<br>\r
+ Code</b></td>\r
+ <td valign="top"><b>Short<br>\r
+ Description</b></td>\r
+ <td valign="top"><b><br>\r
+ Explanation</b></td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1000</td>\r
+ <td valign="top">Unrecoverable error.</td>\r
+ <td valign="top">An unrecoverable error has occurred in the <b><i><font face="Verdana,Arial,Helvetica" size="-1">\r
+ ECHO<font size="-2">NLINE</font></font></i></b> processing.</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1001</td>\r
+ <td valign="top">Account closed</td>\r
+ <td valign="top">The merchant account has been closed.</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1002</td>\r
+ <td valign="top">System closed</td>\r
+ <td valign="top">\r
+ Services for this system are not available.<br>\r
+ (Not used by <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO<font size="-2">NLINE</font></font></i></b>)\r
+ </td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1003</td>\r
+ <td valign="top">E-Mail Down</td>\r
+ <td valign="top">The e-mail function is not available.<br>\r
+ (Not used by <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO<font size="-2">NLINE</font></font></i></b>)\r
+ </td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1004-1011</td>\r
+ <td valign="top">not used</td>\r
+ <td valign="top"> </td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1012</td>\r
+ <td valign="top">Invalid trans code</td>\r
+ <td valign="top">The host computer received an invalid transaction code.</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1013</td>\r
+ <td valign="top">Invalid term id</td>\r
+ <td valign="top">The ECHO-ID is invalid.</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1014</td>\r
+ <td valign="top">not used</td>\r
+ <td valign="top"> </td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1015</td>\r
+ <td valign="top">Invalid card number</td>\r
+ <td valign="top">The credit card number that was sent to the host computer was \r
+ invalid</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1016</td>\r
+ <td valign="top">Invalid expiry date</td>\r
+ <td valign="top">The card has expired or the expiration date was invalid.</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1017</td>\r
+ <td valign="top">Invalid amount</td>\r
+ <td valign="top">The dollar amount was less than 1.00 or greater than the maximum \r
+ allowed for this card.</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1018</td>\r
+ <td valign="top">not used</td>\r
+ <td valign="top"> </td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1019</td>\r
+ <td valign="top">Invalid state</td>\r
+ <td valign="top">The state code was invalid.<br>\r
+ (Not used by <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO<font size="-2">NLINE</font></font></i></b>)\r
+ </td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1020</td>\r
+ <td valign="top">not used</td>\r
+ <td valign="top"> </td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1021</td>\r
+ <td valign="top">Invalid service</td>\r
+ <td valign="top">The merchant or card holder is not allowed to perform that kind of \r
+ transaction</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1022-1023</td>\r
+ <td valign="top">not used</td>\r
+ <td valign="top"> </td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1024</td>\r
+ <td valign="top">Invalid auth code</td>\r
+ <td valign="top">The authorization number presented with this transaction is \r
+ incorrect. (deposit transactions only)</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1025</td>\r
+ <td valign="top">Invalid reference number</td>\r
+ <td valign="top">The reference number presented with this transaction is incorrect \r
+ or is not numeric.</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1026-1028</td>\r
+ <td valign="top">not used</td>\r
+ <td valign="top"> </td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1029</td>\r
+ <td valign="top">Invalid contract number</td>\r
+ <td valign="top">The contract number presented with this transaction is incorrect \r
+ or is not numeric.<br>\r
+ (Not used by <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO<font size="-2">NLINE</font></font></i></b>)\r
+ </td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1030</td>\r
+ <td valign="top">Invalid inventory data</td>\r
+ <td valign="top">The inventory data presented with this transaction is not ASCII \r
+ "printable".<br>\r
+ (Not used by <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO<font size="-2">NLINE</font></font></i></b>)\r
+ </td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1031-1500</td>\r
+ <td valign="top">not used</td>\r
+ <td valign="top"> </td>\r
+ </tr>\r
+ <tr>\r
+ <td colspan="3">\r
+ <i>Error Codes 1501 through 1599 are generated by <b><i><font face="Verdana,Arial,Helvetica" size="-1">\r
+ ECHO<font size="-2">NLINE</font></font></i></b> after validating \r
+ the merchant but before presenting the transaction to the host computers for \r
+ processing.</i>\r
+ </td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1501-1507</td>\r
+ <td valign="top">not used</td>\r
+ <td valign="top"> </td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1508</td>\r
+ <td valign="top"> </td>\r
+ <td valign="top">Invalid or missing order_type.</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1509</td>\r
+ <td valign="top"> </td>\r
+ <td valign="top">The merchant is not approved to submit this order_type.</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1510</td>\r
+ <td valign="top"> </td>\r
+ <td valign="top">The merchant is not approved to submit this transaction_type.</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1511</td>\r
+ <td valign="top"> </td>\r
+ <td valign="top">\r
+ Duplicate transaction attempt (see <a href="ISPGuide-Interface.asp#counter">counter</a>\r
+ in Part I of this Specification</EM>).\r
+ </td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1512-1598</td>\r
+ <td valign="top">not used</td>\r
+ <td valign="top"> </td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1599</td>\r
+ <td valign="top"> </td>\r
+ <td valign="top">An system error occurred while validating the transaction input.</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1600-1800</td>\r
+ <td valign="top">not used</td>\r
+ <td valign="top"> </td>\r
+ </tr>\r
+ <tr>\r
+ <td colspan="3">\r
+ <i>Error Codes 1801 through 1814 are generated by <b><i><font face="Verdana,Arial,Helvetica" size="-1">\r
+ ECHO<font size="-2">NLINE</font></font></i></b> to indicate \r
+ responses to <a href="ISPGuide-Response.asp#AVSOnly">AVS-Only transactions</a> when \r
+ the response is anything but "X" or "Y" (all digits match).</i>\r
+ </td>\r
+ </tr>\r
+ <tr>\r
+ <td>1801</td>\r
+ <td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "A"</a></td>\r
+ <td>Address matches; ZIP does not match.</td>\r
+ </tr>\r
+ <tr>\r
+ <td>1802</td>\r
+ <td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "W"</a></td>\r
+ <td>9-digit ZIP matches; Address does not match.</td>\r
+ </tr>\r
+ <tr>\r
+ <td>1803</td>\r
+ <td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "Z"</a></td>\r
+ <td>5-digit ZIP matches; Address does not match.</td>\r
+ </tr>\r
+ <tr>\r
+ <td>1804</td>\r
+ <td><a href="ISPGuide-Response.asp#AVSOnly">Return Codes "U"</a></td>\r
+ <td>Issuer unavailable; cannot verify.</td>\r
+ </tr>\r
+ <tr>\r
+ <td>1805</td>\r
+ <td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "R"</a></td>\r
+ <td>Retry; system is currently unable to process.</td>\r
+ </tr>\r
+ <tr>\r
+ <td>1806</td>\r
+ <td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "S" or "G"</a></td>\r
+ <td>Issuer does not support AVS.</td>\r
+ </tr>\r
+ <tr>\r
+ <td>1807</td>\r
+ <td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "N"</a></td>\r
+ <td>Nothing matches.</td>\r
+ </tr>\r
+ <tr>\r
+ <td>1808</td>\r
+ <td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "E"</a></td>\r
+ <td>Invalid AVS only response.</td>\r
+ </tr>\r
+ <tr>\r
+ <td>1809</td>\r
+ <td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "B"</a></td>\r
+ <td>Street address match. Postal code not verified because of incompatible formats.</td>\r
+ </tr>\r
+ <tr>\r
+ <td>1810</td>\r
+ <td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "C"</a></td>\r
+ <td>Street address and Postal code not verified because of incompatible formats.</td>\r
+ </tr>\r
+ <tr>\r
+ <td>1811</td>\r
+ <td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "D"</a></td>\r
+ <td>Street address match and Postal code match.</td>\r
+ </tr>\r
+ <tr>\r
+ <td>1812</td>\r
+ <td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "I"</a></td>\r
+ <td>Address information not verified for international transaction.</td>\r
+ </tr>\r
+ <tr>\r
+ <td>1813</td>\r
+ <td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "M"</a></td>\r
+ <td>Street address match and Postal code match.</td>\r
+ </tr>\r
+ <tr>\r
+ <td>1814</td>\r
+ <td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "P"</a></td>\r
+ <td>Postal code match. Street address not verified because of incompatible formats.</td>\r
+ </tr>\r
+ <tr>\r
+ <td>1815-1896</td>\r
+ <td>not used</td>\r
+ <td> </td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1897</td>\r
+ <td valign="top">invalid response</td>\r
+ <td valign="top">The host returned an invalid response.</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1898</td>\r
+ <td valign="top">disconnect</td>\r
+ <td valign="top">The host unexpectedly disconnected.</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1899</td>\r
+ <td valign="top">timeout</td>\r
+ <td valign="top">Timeout waiting for host response.</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">1900-2070</td>\r
+ <td valign="top">not used</td>\r
+ <td valign="top"> </td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">2071</td>\r
+ <td valign="top">Call VISA</td>\r
+ <td valign="top">An authorization number from the VISA Voice Center is required to \r
+ approve this transaction.</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">2072</td>\r
+ <td valign="top">Call Master Card</td>\r
+ <td valign="top">An authorization number from the Master Card Voice Center is \r
+ required to approve this transaction.</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">2073</td>\r
+ <td valign="top">Call Carte Blanche</td>\r
+ <td valign="top">An authorization number from the Carte Blanche Voice Center is \r
+ required to approve this transaction.</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">2074</td>\r
+ <td valign="top">Call Diners Club</td>\r
+ <td valign="top">An authorization number from the Diners' Club Voice Center is \r
+ required to approve this transaction.</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">2075</td>\r
+ <td valign="top">Call AMEX</td>\r
+ <td valign="top">An authorization number from the American Express Voice Center is \r
+ required to approve this transaction.</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">2076</td>\r
+ <td valign="top">Call Discover</td>\r
+ <td valign="top">An authorization number from the Discover Voice Center is required \r
+ to approve this transaction.</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">2077</td>\r
+ <td valign="top">not used</td>\r
+ <td valign="top"> </td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">2078</td>\r
+ <td valign="top">Call ECHO</td>\r
+ <td valign="top">The merchant must call <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO</font></i></b>\r
+ Customer Support for approval.or because there is a problem with the merchant's \r
+ account.</td>\r
+ </tr>\r
+ <tr>\r
+ <td>2079</td>\r
+ <td>Call XpresscheX</td>\r
+ <td>The merchant must call <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO</font></i></b>\r
+ Customer Support for approval.or because there is a problem with the merchant's \r
+ account.</td>\r
+ </tr>\r
+ <tr>\r
+ <td colspan="3">\r
+ <i>The remaining error codes are generated by the <b><i><font face="Verdana,Arial,Helvetica" size="-1">\r
+ ECHO</font></i></b> host computers in response to errors in the \r
+ dial-up protocol. These messages should never appear in <b><i><font face="Verdana,Arial,Helvetica" size="-1">\r
+ ECHO<font size="-2">NLINE</font></font></i></b>. They are listed \r
+ below for completeness. </i>\r
+ </td>\r
+ </tr>\r
+ <tr>\r
+ <td>3001</td>\r
+ <td>No ACK on Resp</td>\r
+ <td>The host did not receive an ACK from the terminal after sending the transaction \r
+ response.</td>\r
+ </tr>\r
+ <tr>\r
+ <td>3002</td>\r
+ <td>POS NAK'd 3 Times</td>\r
+ <td>The host disconnected after the terminal replied 3 times to the host response \r
+ with a NAK.</td>\r
+ </tr>\r
+ <tr>\r
+ <td>3003</td>\r
+ <td>Drop on Wait</td>\r
+ <td>The line dropped before the host could send a response to the terminal.</td>\r
+ </tr>\r
+ <tr>\r
+ <td>3005</td>\r
+ <td>Drop on Resp</td>\r
+ <td>The line dropped while the host was sending the response to the terminal.</td>\r
+ </tr>\r
+ <tr>\r
+ <td>3007</td>\r
+ <td>Drop Before EOT</td>\r
+ <td>The host received an ACK from the terminal but the line dropped before the host \r
+ could send the EOT.</td>\r
+ </tr>\r
+ <tr>\r
+ <td>3011</td>\r
+ <td>No Resp to ENQ</td>\r
+ <td>The line was up and carrier detected, but the terminal did not respond to the \r
+ ENQ.</td>\r
+ </tr>\r
+ <tr>\r
+ <td>3012</td>\r
+ <td>Drop on Input</td>\r
+ <td>The line disconnected while the host was receiving data from the terminal.</td>\r
+ </tr>\r
+ <tr>\r
+ <td>3013</td>\r
+ <td>FEP NAK'd 3 Times</td>\r
+ <td>The host disconnected after receiving 3 transmissions with incorrect LRC from \r
+ the terminal.</td>\r
+ </tr>\r
+ <tr>\r
+ <td>3014</td>\r
+ <td>No Resp to ENQ</td>\r
+ <td>The line disconnected during input data wait in Multi-Trans Mode.</td>\r
+ </tr>\r
+ <tr>\r
+ <td>3015</td>\r
+ <td>Drop on Input</td>\r
+ <td>The host encountered a full queue and discarded the input data.</td>\r
+ </tr>\r
+ <tr>\r
+ <td>9000-9999</td>\r
+ <td>Host Error</td>\r
+ <td>The host encountered an internal error and was not able to process the \r
+ transaction.</td>\r
+ </tr>\r
+ </table>\r
+ </center>\r
+ <h2>Electronic Check Transactions</h2>\r
+ <FONT face="Verdana,Arial,Helvetica" size="-1"><B><I>ECHO</I></B></FONT> verifies \r
+ all electronic checks against the National Check Information Systems (NCIS) \r
+ database. This is a real-time check verification system that can return a wide \r
+ variety of responses and conditions. <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO<font size="-2">NLINE</font></font></i></b>\r
+ does nor recognize a warning response, only approvals and declines. Therefore, \r
+ warnings received from NCIS are treated as declines by <b><i><font face="Verdana,Arial,Helvetica" size="-1">\r
+ ECHO<font size="-2">NLINE</font></font></i></b>.\r
+ <p>\r
+ Decline responses are formatted as shown below. Each message is 16 characters \r
+ long and contains information regarding the reasons for the decline or warning \r
+ and the name and contact number for the agency providing the information \r
+ leading to the decline.\r
+ <p>\r
+ The NCN Response Format.pdf document located in the <A href="/XCXPlusTrans.zip"><I><FONT face="Verdana,Arial,Helvetica" size="-1">\r
+ X<FONT size="-2">PRESS</FONT>C<FONT size="-2">HE</FONT>X<FONT size="-2">PLUS</FONT></FONT></I>\r
+ Transaction Validation Tool</A>\r
+ contains all Check Verification Responses.\r
+ <p>\r
+ <center>\r
+ <table border="1" cellpadding="3" cellspacing="0" width="80%">\r
+ <tr bgcolor="#e0e0e0">\r
+ <td valign="top"><b>Field</b></td>\r
+ <td valign="top"><b>Size</b></td>\r
+ <td valign="top"><b>Description</b></td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">tag</td>\r
+ <td valign="top">11</td>\r
+ <td valign="top">"<ECHOTYPE1>"</td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">message</td>\r
+ <td valign="top">16</td>\r
+ <td valign="top">\r
+ Decline message (see examples below).\r
+ </td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">message</td>\r
+ <td valign="top">16</td>\r
+ <td valign="top">\r
+ from 0 to <i>n</i> instances of additional decline and warning messages.\r
+ </td>\r
+ </tr>\r
+ <tr>\r
+ <td valign="top">tag</td>\r
+ <td valign="top">12</td>\r
+ <td valign="top">"</ECHOTYPE1>"</td>\r
+ </tr>\r
+ </table>\r
+ </center>\r
+ <p>\r
+ <b>Examples:</b><br>\r
+ The first example shows a decline response containing 7 separate \r
+ 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
+ --><BR>\r
+ <!-- <ECHOTYPE1>ERROR IN ID·····</ECHOTYPE1> --><BR>\r
+ <!-- \r
+ <ECHOTYPE1>DECLINE·CHECK····2·UNPAIDS·(LOC)UNPAID·AMT=··376BANK·STOP·······PHN \r
+ 800-555-4503SUPER·COLLECT···</ECHOTYPE1> --><BR>\r
+ <!-- <ECHOTYPE1>RE-PRESENTED CHK</ECHOTYPE1> --> </CODE>\r
+ <p>\r
+ <b>Note:</b><br>\r
+ All Electronic Check Declines return a Decline Code of "0005" in the ECHOTYPE3 \r
+ <decline_code> tag (i.e., <decline_code>0005</decline_code> \r
+ ). To determine the exact reason for the decline, the ECHOTYPE1 response must \r
+ be examined.\r
+ <p>\r
+ <hr size="3" color="#000080">\r
+ \r
+<SCRIPT LANGUAGE=JAVASCRIPT>\r
+/* Opens a new Window linking to the supplied url */\r
+function popUp(url){\r
+sealWin=window.open(url,"win",'toolbar=0,location=0,directories=0,status=1,menubar=0,scrollbars=1,resizable=1,width=500,height=520');\r
+self.name = "mainWin"; }\r
+</SCRIPT>\r
+\r
+<center>\r
+<font size="-2" face="Verdana,Arial,Helvetica">\r
+\r
+<a href="/">Merchant Center</a> \r
+<a href="http://www.echo-inc.com/">ECHO Home</a> \r
+<a href="mailto:webmaster@echo-inc.com">Feedback</a> \r
+<a href="http://www.echo-inc.com/helpdesk.html">Contact ECHO</a> \r
+<a href="javascript:popUp('/copyright.asp')">Copyright</a> \r
+\r
+\r
+ <a href="/login.asp">Login</a>\r
+\r
+\r
+</font>\r
+</center>\r
+\r
+</body>\r
+</html>\r
+</body>\r
+</HTML>\r