# JPMC-PDP Documentation from https://developer.payments.jpmorgan.com

# 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.

> 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.

> 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

 
**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 | 

## Related

[Online Payments API specification](/api/commerce/online-payments/online-payments/online-payments)