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* RS2 MSP Response Code Mappings
* Maps payment processor response codes to user-friendly error messages
*
* @see RS2_TEST_CARDS.md for test card numbers
*/
export interface MspResponseCodeInfo {
code: string;
label: string;
description: string;
userMessage: string;
category: "declined" | "fraud" | "technical" | "auth_required" | "card_issue";
}
export const MSP_RESPONSE_CODES: Record<string, MspResponseCodeInfo> = {
// 01-05: General Declines
"01": {
code: "01",
label: "Refer to Issuer",
description: "The card issuer needs to be contacted",
userMessage:
"Please contact your card issuer to authorize this transaction.",
category: "declined",
},
"02": {
code: "02",
label: "Refer to Issuer (Special Condition)",
description: "Special condition requires issuer contact",
userMessage: "Please contact your card issuer for assistance.",
category: "declined",
},
"03": {
code: "03",
label: "Invalid Merchant",
description: "Merchant configuration issue",
userMessage:
"Unable to process payment. Please try again or contact support.",
category: "technical",
},
"04": {
code: "04",
label: "Pick Up Card",
description: "Card should be retained",
userMessage:
"This card cannot be used. Please use a different payment method.",
category: "card_issue",
},
"05": {
code: "05",
label: "Do Not Honor",
description: "Transaction declined by issuer",
userMessage:
"Your card was declined. Please try a different payment method.",
category: "declined",
},
// 12-19: Transaction Issues
"12": {
code: "12",
label: "Invalid Transaction",
description: "Transaction is not valid",
userMessage: "Transaction cannot be processed. Please try again.",
category: "technical",
},
"13": {
code: "13",
label: "Invalid Amount",
description: "Amount is invalid or out of range",
userMessage: "Payment amount is invalid. Please try again.",
category: "technical",
},
"14": {
code: "14",
label: "Invalid Card Number",
description: "Card number is not valid",
userMessage: "Invalid card number. Please check and try again.",
category: "card_issue",
},
"15": {
code: "15",
label: "Invalid Issuer",
description: "Card issuer is invalid or unknown",
userMessage: "This card cannot be processed. Please use a different card.",
category: "card_issue",
},
"17": {
code: "17",
label: "Customer Cancellation",
description: "Cardholder cancelled the transaction",
userMessage: "Transaction was cancelled.",
category: "declined",
},
"19": {
code: "19",
label: "Re-enter Transaction",
description: "Transaction needs to be re-entered",
userMessage: "Please try submitting your payment again.",
category: "technical",
},
// 30-40: Format & Support Errors
"30": {
code: "30",
label: "Format Error",
description: "Message format error",
userMessage: "Payment processing error. Please try again.",
category: "technical",
},
"31": {
code: "31",
label: "Bank Not Supported",
description: "Issuing bank not supported",
userMessage: "This card is not supported. Please use a different card.",
category: "card_issue",
},
"33": {
code: "33",
label: "Expired Card",
description: "Card has expired",
userMessage:
"Your card has expired. Please use a different payment method.",
category: "card_issue",
},
"34": {
code: "34",
label: "Suspected Fraud",
description: "Transaction flagged for fraud",
userMessage:
"Transaction declined for security reasons. Please contact your card issuer.",
category: "fraud",
},
"36": {
code: "36",
label: "Restricted Card",
description: "Card is restricted",
userMessage:
"This card is restricted. Please use a different payment method.",
category: "card_issue",
},
"37": {
code: "37",
label: "Call Acquirer Security",
description: "Security issue detected",
userMessage:
"Payment declined for security reasons. Please contact your bank.",
category: "fraud",
},
"38": {
code: "38",
label: "PIN Tries Exceeded",
description: "Maximum PIN attempts exceeded",
userMessage:
"Too many incorrect PIN attempts. Please contact your card issuer.",
category: "card_issue",
},
"40": {
code: "40",
label: "Function Not Supported",
description: "Requested function not supported",
userMessage:
"This transaction type is not supported. Please try a different method.",
category: "technical",
},
// 41-46: Card Status Issues
"41": {
code: "41",
label: "Lost Card",
description: "Card reported as lost",
userMessage:
"This card has been reported lost. Please use a different payment method.",
category: "card_issue",
},
"43": {
code: "43",
label: "Stolen Card",
description: "Card reported as stolen",
userMessage:
"This card has been reported stolen. Please use a different payment method.",
category: "card_issue",
},
"46": {
code: "46",
label: "Closed Account",
description: "Account has been closed",
userMessage:
"This account is closed. Please use a different payment method.",
category: "card_issue",
},
// 51-59: Insufficient Funds & Limits
"51": {
code: "51",
label: "Insufficient Funds",
description: "Not enough funds available",
userMessage: "Insufficient funds. Please use a different payment method.",
category: "declined",
},
"52": {
code: "52",
label: "No Checking Account",
description: "No checking account available",
userMessage: "Account type not supported. Please use a different card.",
category: "card_issue",
},
"53": {
code: "53",
label: "No Savings Account",
description: "No savings account available",
userMessage: "Account type not supported. Please use a different card.",
category: "card_issue",
},
"54": {
code: "54",
label: "Expired Card",
description: "Card expiration date has passed",
userMessage:
"Your card has expired. Please use a different payment method.",
category: "card_issue",
},
"55": {
code: "55",
label: "Incorrect PIN",
description: "PIN entered is incorrect",
userMessage: "Incorrect PIN. Please verify and try again.",
category: "declined",
},
"56": {
code: "56",
label: "No Card Record",
description: "Card not on file",
userMessage: "Card information not found. Please check your card details.",
category: "card_issue",
},
"57": {
code: "57",
label: "Transaction Not Permitted",
description: "Cardholder not permitted to make this transaction",
userMessage:
"This transaction is not allowed on your card. Please use a different payment method.",
category: "declined",
},
"58": {
code: "58",
label: "Not Allowed at Terminal",
description: "Transaction not permitted at this terminal",
userMessage:
"This type of transaction is not allowed. Please try a different method.",
category: "declined",
},
"59": {
code: "59",
label: "Suspected Fraud",
description: "Transaction suspected to be fraudulent",
userMessage:
"Transaction declined for security reasons. Please contact your card issuer to authorize.",
category: "fraud",
},
// 61-68: Security & Restrictions
"61": {
code: "61",
label: "Usage Limit Exceeded",
description: "Card usage limit has been exceeded",
userMessage:
"Card usage limit exceeded. Please use a different payment method.",
category: "declined",
},
"62": {
code: "62",
label: "Restricted Card",
description: "Card has restrictions",
userMessage:
"This card has restrictions. Please use a different payment method.",
category: "card_issue",
},
"63": {
code: "63",
label: "Security Violation",
description: "Security policy violation",
userMessage:
"Transaction declined for security reasons. Please contact your bank.",
category: "fraud",
},
"64": {
code: "64",
label: "AML Requirements Not Met",
description: "Anti-money laundering requirements not satisfied",
userMessage:
"Additional verification required. Please contact your card issuer.",
category: "auth_required",
},
"65": {
code: "65",
label: "Frequency Limit Exceeded",
description: "Transaction frequency limit exceeded",
userMessage:
"Too many transactions. Please try again later or use a different card.",
category: "declined",
},
"66": {
code: "66",
label: "Call Security Department",
description: "Security department contact required",
userMessage: "Please contact your bank's security department.",
category: "fraud",
},
"67": {
code: "67",
label: "Hard Capture",
description: "Card should be retained",
userMessage: "This card cannot be used. Please contact your card issuer.",
category: "card_issue",
},
"68": {
code: "68",
label: "Late Response",
description: "Response received too late",
userMessage: "Transaction timeout. Please try again.",
category: "technical",
},
"6P": {
code: "6P",
label: "Verification Failed",
description: "Card verification failed",
userMessage:
"Card verification failed. Please check your card details and try again.",
category: "declined",
},
// 71-87: PIN & Account Issues
"71": {
code: "71",
label: "PIN Not Changed",
description: "PIN change was not successful",
userMessage: "PIN issue detected. Please contact your card issuer.",
category: "card_issue",
},
"72": {
code: "72",
label: "Account Not Activated",
description: "Card account not yet activated",
userMessage: "Your card is not activated. Please contact your card issuer.",
category: "card_issue",
},
"75": {
code: "75",
label: "Exceeded PIN Tries",
description: "Maximum PIN entry attempts exceeded",
userMessage:
"Too many incorrect PIN attempts. Please contact your card issuer.",
category: "card_issue",
},
"76": {
code: "76",
label: "Authentication Required",
description: "Additional authentication needed",
userMessage:
"Additional verification required. Please contact your card issuer.",
category: "auth_required",
},
"77": {
code: "77",
label: "Authentication Required (PIN)",
description: "PIN authentication required",
userMessage: "PIN verification required. Please contact your card issuer.",
category: "auth_required",
},
"78": {
code: "78",
label: "Card Blocked",
description: "Card has been blocked",
userMessage: "Your card has been blocked. Please contact your card issuer.",
category: "card_issue",
},
"79": {
code: "79",
label: "Lifecycle Decline",
description: "Card declined due to lifecycle status",
userMessage:
"This card cannot be used. Please use a different payment method.",
category: "card_issue",
},
"80": {
code: "80",
label: "Recurring Cancellation",
description: "Recurring payment was cancelled",
userMessage:
"Recurring payment cancelled. Please set up a new payment method.",
category: "declined",
},
"81": {
code: "81",
label: "Cryptographic Error",
description: "Encryption/security error",
userMessage: "Security error occurred. Please try again.",
category: "technical",
},
"82": {
code: "82",
label: "Invalid CVV2",
description: "CVV code is incorrect",
userMessage:
"Invalid CVV code. Please check your card security code and try again.",
category: "declined",
},
"84": {
code: "84",
label: "Re-enter Transaction",
description: "Transaction must be re-entered",
userMessage: "Please try submitting your payment again.",
category: "technical",
},
"85": {
code: "85",
label: "Invalid CVV",
description: "CVV verification failed",
userMessage:
"Invalid CVV code. Please verify your card security code and try again.",
category: "declined",
},
"86": {
code: "86",
label: "Cannot Verify PIN",
description: "PIN verification not possible",
userMessage: "PIN verification failed. Please contact your card issuer.",
category: "card_issue",
},
"87": {
code: "87",
label: "Account Does Not Exist",
description: "Card account not found",
userMessage:
"Card account not found. Please use a different payment method.",
category: "card_issue",
},
// 90-96: System Issues
"90": {
code: "90",
label: "Cutoff in Process",
description: "System cutoff in progress",
userMessage:
"System maintenance in progress. Please try again in a few minutes.",
category: "technical",
},
"91": {
code: "91",
label: "Issuer/Switch Down",
description: "Card issuer system is unavailable",
userMessage: "Card issuer system unavailable. Please try again later.",
category: "technical",
},
"92": {
code: "92",
label: "Unable to Route",
description: "Transaction routing failed",
userMessage: "Unable to process payment. Please try again.",
category: "technical",
},
"93": {
code: "93",
label: "Cannot Complete",
description: "Transaction cannot be completed",
userMessage: "Transaction could not be completed. Please try again.",
category: "technical",
},
"94": {
code: "94",
label: "Duplicate Transmission",
description: "Duplicate transaction detected",
userMessage:
"Duplicate transaction detected. Please check if your payment was already processed.",
category: "technical",
},
"95": {
code: "95",
label: "Reconcile Error",
description: "Reconciliation error occurred",
userMessage: "Processing error occurred. Please try again.",
category: "technical",
},
"96": {
code: "96",
label: "System Malfunction",
description: "System error occurred",
userMessage: "System error. Please try again later.",
category: "technical",
},
// B1-B2: Surcharge Issues
B1: {
code: "B1",
label: "Surcharge Not Permitted",
description: "Surcharge is not allowed",
userMessage: "Surcharge not allowed for this transaction.",
category: "declined",
},
B2: {
code: "B2",
label: "Surcharge Not Supported",
description: "Surcharge not supported by card",
userMessage: "This card does not support surcharges.",
category: "card_issue",
},
// N3-N8: Cash & Amount Limits
N3: {
code: "N3",
label: "Cash Service Not Available",
description: "Cash service not available",
userMessage:
"Cash service not available. Please use a different payment method.",
category: "declined",
},
N4: {
code: "N4",
label: "Cash Limit Exceeded",
description: "Cash withdrawal limit exceeded",
userMessage: "Cash limit exceeded. Please use a different payment method.",
category: "declined",
},
N8: {
code: "N8",
label: "Amount Limit Exceeded",
description: "Transaction amount exceeds limit",
userMessage:
"Transaction amount exceeds your card limit. Please use a different payment method.",
category: "declined",
},
// P5-P6: PIN Management
P5: {
code: "P5",
label: "PIN Unblock Denied",
description: "PIN unblock request denied",
userMessage: "PIN issue detected. Please contact your card issuer.",
category: "card_issue",
},
P6: {
code: "P6",
label: "PIN Change Denied",
description: "PIN change request denied",
userMessage: "PIN change denied. Please contact your card issuer.",
category: "card_issue",
},
// R2: Rewards
R2: {
code: "R2",
label: "Does Not Qualify",
description: "Transaction does not qualify",
userMessage:
"This transaction does not qualify. Please use a different payment method.",
category: "declined",
},
// C1-C2: Geographic Issues
C1: {
code: "C1",
label: "Invalid Country Code",
description: "Country code is invalid",
userMessage: "Invalid country code. Please check your billing information.",
category: "declined",
},
C2: {
code: "C2",
label: "Invalid Region Code",
description: "Region code is invalid",
userMessage: "Invalid region code. Please check your billing information.",
category: "declined",
},
// 5C: Issuer Support
"5C": {
code: "5C",
label: "Not Supported by Issuer",
description: "Transaction type not supported by card issuer",
userMessage: "This transaction type is not supported by your card issuer.",
category: "card_issue",
},
// 9G: Cardholder Block
"9G": {
code: "9G",
label: "Blocked by Cardholder",
description: "Transaction blocked by cardholder",
userMessage:
"For your security, your bank requires you to authorize this purchase. Please log into your banking portal or app, or call your bank directly to confirm the transaction.",
category: "auth_required",
},
};
/**
* Get response code information
* @param code - MSP response code
* @returns Response code information or generic decline message
*/
export const getMspResponseCodeInfo = (code?: string): MspResponseCodeInfo => {
if (!code) {
return {
code: "UNKNOWN",
label: "Payment Declined",
description: "Payment was declined",
userMessage:
"Your card was declined. Please try again or use a different card.",
category: "declined",
};
}
return (
MSP_RESPONSE_CODES[code] || {
code,
label: "Payment Declined",
description: `Response code: ${code}`,
userMessage:
"Your card was declined. Please try again or use a different card.",
category: "declined",
}
);
};
/**
* Get a short user-friendly message for a response code
* @param code - MSP response code
* @returns Short user message
*/
export const getMspResponseMessage = (code?: string): string => {
return getMspResponseCodeInfo(code).userMessage;
};
/**
* Get the label/title for a response code
* @param code - MSP response code
* @returns Human-readable label
*/
export const getMspResponseLabel = (code?: string): string => {
return getMspResponseCodeInfo(code).label;
};
/**
* Check if response code requires user to contact their bank
* @param code - MSP response code
* @returns True if bank contact is needed
*/
export const requiresBankContact = (code?: string): boolean => {
if (!code) return false;
const info = getMspResponseCodeInfo(code);
return info.category === "auth_required" || info.category === "fraud";
};
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