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Online Payments

Online Payments response codes

Error codes help you debug issues that occur as a result of sending badly formatted requests. The responseMessage is a short string that provides a brief explanation. The following tables list the available reason codes, as well as their possible causes.

The following fields are in the body of the response:

  • responseStatus: Valid values include SUCCESS, DENIED, or ERROR. SUCCESS means the request was approved by the issuer or completed successfully. ERROR is only returned for 4XX or 5XX responses.
  • responseCode: This field contains a shorter description of the processing result. For 200 responses, this may be displayed to the consumer.
  • responseMessage: This field contains a longer, more descriptive message. These messages are not intended to be displayed to the consumer.
  • hostMessage: The term "host" refers to the system from which J.P. Morgan has received a response. The hostMessage is mapped to J.P. Morgan’s response fields, but the unaltered message is returned, if received. For 5XX responses, the presence of this field indicates where the error exists.
Tip

The responseStatus, responseCode, and responseMessage fields are required.

Successful responses (200-299)

In general, a 200 status code indicates that a request has successfully processed.

Tip

To determine whether a transaction was approved or declined, you will need to review the responseStatus field to identify whether or not the issuer has approved the transaction (SUCCESS or DENIED).

HTTP 200 status codes
HTTP Status responseStatus responseCode responseMessage
200 SUCCESS ACCEPTED Transaction accepted
200 SUCCESS ACCEPTED Request completed
200 SUCCESS APPROVED Transaction approved by issuer
200 SUCCESS APPROVED Transaction approved
200 SUCCESS APPROVED Transaction approved. Honor with ID.
200 SUCCESS PARTIAL_APPROVAL Transaction partially approved by issuer
200 SUCCESS CUSTOMER_PENDING Pending the completion of the payment by the consumer
200 SUCCESS ACCEPTED Requested action is completed
200 PENDING PERFORM_AUTHENTICATION Perform authentication (orchestrated 3-D Secure (3DS))
200 DENIED CONSUMER_ABORTED Consumer aborted the transaction
200 DENIED DECLINED Consumer cancelled the transaction
200 DENIED DECLINED Transaction declined — invalid merchant
200 DENIED DECLINED Transaction declined — invalid transaction
200 DENIED DECLINED Transaction declined — invalid amount
200 DENIED DECLINED Transaction declined — invalid issuer
200 DENIED DECLINED Transaction declined — retry
200 DENIED DECLINED Transaction declined — duplicate transmission detected
200 DENIED DECLINED Transaction declined — exceeds pre-authorized amount
200 DENIED DECLINED Transaction declined — stop payment order
200 DENIED DECLINED Transaction declined — revocation of authorization order
200 DENIED DECLINED Transaction declined — revocation of all authorizations order
200 DENIED DECLINED Surcharge amount not permitted on Visa cards (U.S. acquirers only)
200 DENIED CONSUMER_DECLINED Consumer declined the transaction
200 DENIED INSUFFICIENT_FUNDS Transaction declined due to insufficient funds
200 DENIED CARD_EXPIRED Transaction declined due to expired card
200 DENIED DECLINED_DO_NOT_CONTACT_ISSUER                             Transaction declined — do not contact issuer
200 DENIED DECLINED_REFER_TO_ISSUER Transaction declined — refer to issuer
200 DENIED DECLINED_INVALID_CVV Transaction declined by the issuer due to invalid card verification value (CVV)
200 DENIED DECLINED_CVV Transaction declined due to CVV
200 DENIED DECLINED_AVS_CVV Transaction declined due to address verification service (AVS) result and CVV
200 DENIED CALL_ISSUER_ID_REQUIRED Transaction declined — call issuer, positive ID required
200 DENIED DECLINED_NOT_SUPPORTED Transaction declined by issuer
200 DENIED LOST_STOLEN_CARD Transaction declined — lost or stolen card
200 DENIED PICK_UP_CARD Transaction declined — pick up card
200 DENIED DO_NOT_HONOR Transaction declined — do not honor
200 DENIED CARD_NOT_ACTIVE Transaction declined — card not active
200 DENIED ACCOUNT_CLOSED Transaction declined — account is closed
200 DENIED NEW_CARD_ISSUED Transaction declined — new card issued
200 DENIED INVALID_ACCOUNT Transaction declined — invalid account
200 DENIED USE_IS_RESTRICTED Transaction declined — use is restricted
200 DENIED DECLINED_BY_PROCESSOR Issuer approved, but processor declined the request
200 DENIED USE_IS_RESTRICTED Domestic debit transaction not allowed (regional use only)
200 DENIED DECLINED Cryptographic failure
200 DENIED DECLINED Unable to route transaction
200 DENIED DECLINED Transaction cannot be completed — violation of law
200 DENIED DECLINED System error
200 DENIED DECLINED Invalid authorization life
200 DENIED DECLINED Transaction not permitted to acquirer/terminal
200 DENIED DECLINED Security violation
200 DENIED DECLINED Transaction does not fulfill anti-money laundering (AML) requirement
200 DENIED DECLINED Visa transactions: credit issuer available. Private label: invalid date
200 DENIED DECLINED Format error
200 DENIED DECLINED Exceeds withdrawal amount limit
200 DENIED DECLINED Personal identification number (PIN) not changed
200 DENIED DECLINED Allowable number of PIN tries exceeded
200 DENIED DECLINED PIN validation not possible
200 DENIED DECLINED Unacceptable PIN — transaction declined — retry
200 DENIED DECLINED Transaction declined
200 DENIED ACCOUNT_CLOSED Account closed
200 DENIED DECLINED
 Transaction declined
200 DENIED ACCOUNT_CLOSED Account closed
200 DENIED INVALID_ACCOUNT Bad account number data (ACH)
200 DENIED DECLINED_NOT_SUPPORTED Invalid international ACH
200 DENIED INVALID_ACCOUNT Invalid account number format (ACH)
200 DENIED DECLINED Customer advises not authorized (ACH)
200 DENIED DECLINED Authorization revoked by customer (ACH)
200 DENIED DECLINED ACH non-participant
200 DENIED DECLINED Customer opt-out (ACH)
200 DENIED DECLINED Account frozen (ACH)
200 DENIED DECLINED Beneficiary deceased (ACH)
200 DENIED DECLINED Accountholder deceased (ACH)
200 DENIED NO_ACCOUNT_FOUND No account/unable to locate (ACH)
200 DENIED DECLINED Invalid account type (ACH)
200 DENIED DECLINED Missing name (ACH)
200 DENIED DECLINED Transit routing number unknown (ACH)
200 DENIED DECLINED Invalid transit routing number (ACH)
200 DENIED DECLINED Electronic processing not supported (ACH)
200 DENIED DECLINED On negative file (ACH)
200 DENIED DECLINED Electronic check processing (ECP) account verification decline (ACH)
200 DENIED DECLINED No information found (ACH)
200 DENIED DECLINED Not ACH eligible
200 DENIED DECLINED Account verification/account owner authorization (AOA) decline (ACH)

Client error responses (400-499)

A 4XX status code indicates that an error has occurred during a request, and provides a list of specific codes. Additional fields are provided in the body of the response to help identify the error. Address the problem and resubmit the request.

HTTP 4XX status codes
HTTP Status responseStatus                   responseCode responseMessage
400 ERROR VALIDATION_ERROR Request contains validation error
400 ERROR SANCTIONS_SCREENED The request originated from a sanctioned country or person
400 ERROR INVALID_CONTENT Request cannot be parsed
400 ERROR INVALID_DATA Invalid data passed in the request
400 ERROR MISSING_FIELD Customer phone and email are required for the method of payment
400 ERROR UNSUPPORTED_ACTION Refund is not allowed for the referenced transaction
400 ERROR UNSUPPORTED_ACTION Requested action is not supported for the method of payment
400 ERROR UNSUPPORTED_ACTION Requested state change is not allowed
400 ERROR UNSUPPORTED_ACTION Request contains missing or invalid query parameter
400 ERROR UNSUPPORTED_ACTION Merchant category code (MCC) is not supported for requested action
400 ERROR UNSUPPORTED_ACTION At least one auto close schedule is required
400 ERROR UNSUPPORTED_ACTION Recurring is not supported on an auth only request
400 ERROR ALREADY_CAPTURED Payment has already been captured
400 ERROR ALREADY_VOIDED Transaction already voided
400 ERROR INVALID_AMOUNT Amount is greater than original transaction amount
400 ERROR INVALID_AMOUNT Total refunded amount cannot exceed the referenced purchase amount
400 ERROR INVALID_AMOUNT Amount cannot be zero
400 ERROR INVALID_AMOUNT Tax amount cannot exceed transaction amount
400 ERROR INVALID_AMOUNT Amount is greater than remaining authorization amount
400 ERROR INVALID_AMOUNT Amount is greater than tolerance amount
400 ERROR INVALID_AMOUNT Amount is not allowed
400 ERROR INVALID_AMOUNT Total healthcare amount cannot exceed total amount for healthcare eligible card
400 ERROR INVALID_EXPIRY Expiry month and year combination is not valid
400 ERROR INCORRECT_CURRENCY Incorrect currency value passed in the request
400 ERROR UNSUPPORTED_CURRENCY Merchant not configured to support provided currency
400 ERROR UNSUPPORTED_INDUSTRY_TYPE Merchant configuration does not support the industry type
400 ERROR UNSUPPORTED_CARD_TYPE Merchant not configured to accept provided card type
400 ERROR INVALID_MCC Merchant not configured to support provided MCC
400 ERROR PAYMENT_TYPE_NOT_SUPPORTED Card bank identification number (BIN) range not supported by card brand
400 ERROR MERCHANT_NOT_CONFIGURED Merchant is invalid or not configured
400 ERROR INVALID_APP_ID Application not allowed to process for the merchant
400 ERROR VOID_NOT_ALLOWED Transaction already cleared
400 ERROR TRANSACTION_TYPE_NOT_SUPPORTED                                   Transaction type is not supported
400 ERROR TRANSACTION_TYPE_NOT_SUPPORTED Account verification or $0 auth is not supported
400 ERROR TRANSACTION_TYPE_NOT_ENABLED Transaction type is not enabled
400 ERROR INVALID_DATA Invalid data passed in the request
400 ERROR UNSUPPORTED_CARD_TYPE Merchant configuration does not support the provided card type
400 ERROR INVALID_AMOUNT Amount sent was zero, unreadable, or exceeds maximum allowable amount
400 ERROR INVALID_AMOUNT Amount details does not equal total authorization amount
400 ERROR UNSUPPORTED_ACTION threeDSAuthentication not supported on merchant-initiated transactions (orchestrated 3DS).
400 ERROR INVALID_AMOUNT Authentication amount is less than transaction amount (orchestrated 3DS).
400 ERROR VALIDATION_ERROR Invalid data passed in the request installmentCount cannot be greater than 1 for orchestrated authentication (orchestrated 3DS).
400 ERROR INVALID_DATA authenticationId is not supported with SCAExemptionReason (orchestrated 3DS).
400 ERROR INVALID_DATA authenticationId is not supported with threeDS object values (orchestrated 3DS).
400 ERROR ALREADY_AUTHENTICATED Authentication has already been completed (orchestrated 3DS).
401 ERROR UNAUTHORIZED Authorization credentials are missing or invalid
403 ERROR FORBIDDEN Merchant not authorized to access the resource
403 ERROR FORBIDDEN Incorrect combination of application ID and merchant ID in the header
403 ERROR FORBIDDEN Incorrect application ID in the header
404 ERROR NOT_FOUND Transaction was not found
404 ERROR NOT_FOUND Request was not found
404 ERROR NOT_FOUND Path to the resource is not found
409 ERROR IN_PROGRESS This request is still in progress
409 ERROR DUPLICATE Duplicate transaction

Server error responses (500-599)

A 5XX status code indicates that an error has occurred within the J.P. Morgan (or acquirer) environment during a request. Additional fields are provided in the body of the response to identify the error.

HTTP 5XX status codes
HTTP Status responseStatus responseCode responseMessage
500 ERROR SERVER_ERROR Server error, please retry
500 ERROR SERVER_ERROR Processing error within the device wallet service
503 ERROR HOST_ERROR Unrecognized response from the host
503 ERROR HOST_ERROR Unspecified error at the host
503 ERROR HOST_ERROR Acquirer error occurred processing the transaction
503 ERROR SERVICE_UNAVAILABLE                       Service is unavailable
504 ERROR ISSUER_TIMEOUT Issuer is unavailable
504 ERROR TIMEOUT Request timeout

Standard Address Verification Service (AVS) responses

Standard AVS responses
addressVerificationResult Description
ADDRESS_POSTALCODE_MATCH Street address and zip/postal code were matched
POSTALCODE_MATCH Zip/postal code matched. Street address not matched.
ADDRESS_MATCH Street address matched
SERVICE_NOT_SUPPORTED Service is currently not supported by acquirer or merchant
NOT_VERIFIED AVS could not be verified for an international transaction
SERVICE_NOT_AVAILABLE_RETRY Issuer system is unavailable. Retry may be attempted
NOT_AVAILABLE No data is available from the issuer, or AVS data is not supported for the transaction
NO_MATCH No match
NOT_REQUESTED AVS not requested
NAME_MATCH Cardholder name matched
NAME_ADDRESS_MATCH Cardholder name and address matched
NAME_POSTALCODE_MATCH Cardholder name and zip/postal code matched
NAME_ADDRESS_POSTALCODE_MATCHED                        Cardholder name, address, and zip/postal code matched

Standard Card Verification Value (CVV) responses

Standard CVV responses
cardVerificationResult Description
MATCH Valid or matched
NOT_PRESENT Merchant indicated that CVV is not present on card
NOT_PROCESSED Not processed
NOT_SUPPORTED Card issuer is not registered and/or certified
NO_MATCH Invalid or not matched

Online Payments API specification