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	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	Transaction declined by issuer
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	PAYMENT_REQUEST_EXPIRED	Transaction declined due to payment request expiry.
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	INVALID_ACCOUNT	Transaction Declined - Token ineligible for PINless debit
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	UNSUPPORTED_ACTION	Transaction cannot be voided
400	ERROR	ALREADY_CAPTURED	Payment has already been captured
400	ERROR	ALREADY_VOIDED	Transaction already voided
400	ERROR	AMOUNT_EXCEEDED	Requested amount is greater than the ceiling limit
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 can not 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_AMOUNT	Increasing the amount is not allowed
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_SUPPORTED	Incremental not allowed on this transaction
400	ERROR	TRANSACTION_TYPE_NOT_ENABLED	Transaction type is not enabled
400	ERROR	INVALID_DATA	Invalid data passed in the request
400	ERROR	INVALID_DATA	Request contains invalid data
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	VALIDATION_ERROR	Request is missing the originalNetworkTransactionId field
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).
400	ERROR	PREVIOUSLY_PROCESSED_TRANSACTION	Transaction was not re-authorized because it was previously processed
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
409	ERROR	DUPLICATE	Request ID has already been used for a different 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

The following table lists the standard AVS response codes.

Note

The addressVerificationResultCode field is up to 2 characters.

The first character maps to a value in the table.
When a second character is present, it carries supplementary details about the result (e.g. I3 indicates NOT_AVAILABLE with additional details about which address components were verified. Commonly returned on international transactions).
The full second-character meanings are returned in the addressVerificationResultDescription field.

Standard AVS response codes
addressVerificationResult	Description	addressVerificationResultCode
ADDRESS_POSTALCODE_MATCH	Address + 5-digit ZIP match	Y
ADDRESS_POSTALCODE_MATCH	Address + 9-digit ZIP+4 match	X
ADDRESS_POSTALCODE_MATCH	International address + postal match	D / M
ADDRESS_MATCH	Address matches, ZIP does not	A
ADDRESS_MATCH	International address match, postal not verified	B
POSTALCODE_MATCH	5-digit ZIP matches, address does not	Z
POSTALCODE_MATCH	9-digit ZIP+4 matches, address does not	W
POSTALCODE_MATCH	International postal match, address not verified	P
NO_MATCH	Neither matches	N
NOT_VERIFIED	Issuer does not support AVS	U
NOT_AVAILABLE	International / not available	G / I / C
NOT_AVAILABLE	AVS error	E
SERVICE_NOT_AVAILABLE_RETRY	System unavailable, retry	R
SERVICE_NOT_SUPPORTED	Not supported for card type	S
NAME_MATCH	Cardholder name matches	K
NAME_POSTALCODE_MATCH	Name + ZIP match	L
NAME_ADDRESS_MATCH	Name + address match	O
NAME_ADDRESS_POSTALCODE_MATCHED	Name + address + ZIP match	F
NO_MATCH_MAY_BE_INTERNATIONAL	Neither address nor postal code matched Address may be international and unsupported by AVS	N2
NOT_REQUESTED	AVS not requested	(null)
AVS_NOT_PERFORMED	AVS was not performed for this transaction (commonly returned for tokenized payments, account verifications, refunds, and certain Level 2/3 transactions)	(null)

Standard Card Verification Value (CVV) responses

The following table lists the standard CVV response codes.

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