Errors

Overview

EML uses conventional HTTP response codes to indicate the success or failure of an API request. In general: Codes in the 2xx range indicate success. Codes in the 4xx range indicate an error that failed given the information provided (e.g. 20 Invalid response, 12 Invalid transaction etc.). Codes in the 5xx range indicate an error with EML's servers.

Some 4xx errors that could be handled programmatically include an error code that briefly explains the error reported.

HTTP Status Codes

Code	Meaning
200 - OK	Everything worked as expected.
400 - Bad Request	The request was unacceptable, often due to missing a required parameter.
401 - Unauthorized	No valid API key provided.
402 - Request Failed	The parameters were valid but the request failed.
404 - Not Found	The requested resource doesn't exist.
409 - Conflict	The request conflicts with another request (perhaps due to using the same idempotent key).
429 - Too Many Requests	Too many requests hit the API too quickly. We recommend an exponential backoff of your requests.
500, 502, 503, 504 - Server Errors	Something went wrong on EML's API.

ISO 8583

ISO 8583 is an international standard for financial transaction card originated interchange messaging. It is the International Organization for Standardization standard for systems that exchange electronic transactions initiated by cardholders using payment cards.

ISO 8583 defines a message format and a communication flow so that different systems can exchange these transaction requests and responses. The vast majority of transactions made when a customer uses a card to make a payment in a store (EFTPOS) use ISO 8583 at some point in the communication chain, as do transactions made at ATMs. In particular, both the MasterCard and Visa networks base their authorization communications on the ISO 8583 standard, as do many other institutions and networks.

Although ISO 8583 defines a common standard, it is not typically used directly by systems or networks. It defines many standard fields (data elements) which remain the same in all systems or networks, and leaves a few additional fields for passing network-specific details. These fields are used by each network to adapt the standard for its own use with custom fields and custom usages.

ISO8583-1987 - Response Codes

The following table shows response codes and their meanings for ISO8583-1987.

Code	Meaning
00	Successful approval/completion or that VIP PIN verification is valid
01	Refer to card issuer
02	Refer to card issuer, special condition
03	Invalid merchant or service provider
04	Pickup
05	Do not honor
06	General error
`07	Pickup card, special condition (other than lost/stolen card)
08	Honor with identification
`09	Request in progress
10	Partial approval
11	VIP approval
12	Invalid transaction
13	Invalid amount (currency conversion field overflow) or amount exceeds maximum for card program
14	Invalid account number (no such number)
15	No such issuer
16	Insufficient funds
17	Customer cancellation
19	Re-enter transaction
20	Invalid response
21	No action taken (unable to back out prior transaction)
22	Suspected Malfunction
25	Unable to locate record in file, or account number is missing from the inquiry
28	File is temporarily unavailable
30	Format error
41	Merchant should retain card (card reported lost)
43	Merchant should retain card (card reported stolen)
51	Insufficient funds
52	No checking account
53	No savings account
54	Expired card
55	Incorrect PIN
57	Transaction not permitted to cardholder
58	Transaction not allowed at terminal
59	Suspected fraud
61	Activity amount limit exceeded
62	Restricted card (for example, in country exclusion table)
63	Security violation
65	Activity count limit exceeded
68	Response received too late
75	Allowable number of PIN-entry tries exceeded
76	Unable to locate previous message (no match on retrieval reference number)
77	Previous message located for a repeat or reversal, but repeat or reversal data are inconsistent with original message
78	’Blocked, first used’—The transaction is from a new cardholder, and the card has not been properly unblocked.
80	Visa transactions: credit issuer unavailable. Private label and check acceptance: Invalid date
81	PIN cryptographic error found (error found by VIC security module during PIN decryption)
82	Negative CAM, dCVV, iCVV, or CVV results
83	Unable to verify PIN
85	No reason to decline a request for account number verification, address verification, CVV2 verification; or a credit voucher or merchandise return
91	Issuer unavailable or switch inoperative (STIP not applicable or available for this transaction)
92	Destination cannot be found for routing
93	Transaction cannot be completed, violation of law
94	Duplicate transmission
95	Reconcile error
96	System malfunction, System malfunction or certain field error conditions
B1	Surcharge amount not permitted on Visa cards (U.S. acquirers only)
N0	Force STIP
N3	Cash service not available
N4	Cashback request exceeds issuer limit
N7	Decline for CVV2 failure
P2	Invalid biller information
P5	PIN change/unblock request declined
P6	Unsafe PIN
Q1	Card authentication failed
R0	Stop payment order
R1	Revocation of authorization order
R3	Revocation of all authorizations order
XA	Forward to issuer
XD	Forward to issuer
Z3	Unable to go online