Transaction Status and Response Codes

Each payment has one or more associated transactions. The following documentation covers transaction types, status codes, and descriptions after an HTTP 200 status is obtained and a transaction is processed.

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Workflow

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Types of transactions

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Transaction codes

With every transaction, you’ll receive a response_code detailing more info about it. The details related to each status are presented below. Use the following buttons to navigate to the desired content. Provider response details, when available, appear in the transaction’s provider_data object. For refunds and cancellations, synchronous responses currently populate provider_data.response_code with Yuno’s normalized code. Asynchronous updates can populate it with the provider’s own code, so this field is not guaranteed to contain the original provider code for these operations. Use the transaction’s response_code for Yuno’s normalized result. When supplied by the provider, the original response is available in provider_data.raw_response, and the provider’s message is available in provider_data.response_message. Their availability and content depend on the integration. To look up what a specific provider code maps to, use the payment error code decoder. The decoder is a reference mapping maintained against each provider’s published documentation, so use it as a guide rather than as a description of a specific integration’s behavior.

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Succeeded status

SUCCEEDED status details

response_code	Description	Hard/Soft decline	ISO 8583 code
SUCCEEDED	Transaction successful	N/A	0,8,10,11,16,32
FRAUD_VERIFIED	Transaction verified by fraud provider	N/A	-
SUCCEEDED_THREE_D_SECURE	3DS validation successful	N/A	-
PENDING_IN_REVIEW	Transaction authorized, pending manual review	N/A	-

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Won status

WON status details

response_code	Description	Hard/Soft decline	ISO 8583 code
REVIEW_WON	Acquirer rejected the chargeback	N/A	-

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Created status

CREATED status details

response_code	Description	Hard/Soft decline	ISO 8583 code
ACTION_REQUIRED	Payment created but requires additional user action. This occurs in 3D Secure authentication flows, payment method redirections, Headless SDK flows requiring continuePayment, or async payment methods with additional steps. Check the redirect_url or sdk_action_required field for next steps.	N/A	-
SUCCEEDED	Transaction created successfully	N/A	-
RECEIVED	Transaction received	N/A	-
FRAUD_REPORTED	Fraud reported by the card network before a formal chargeback. Only on transactions with type = PRE_CHARGEBACK	N/A	-

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Pending status

PENDING status details

response_code	Description	Hard/Soft decline	ISO 8583 code
CHALLENGE_REQUIRED	Transaction waiting for the challenge completion	N/A	-
IN_REVIEW	Chargeback documentation was sent to the provider and is being analyzed	N/A	-
PENDING_FRAUD_REVIEW	Transaction is being analyzed by fraud provider	N/A	-
PENDING_PROVIDER_CONFIRMATION	Transaction waiting confirmation	N/A	-
PENDING_REVIEW	Transaction waiting fraud review confirmation	N/A	-
WAITING_ADDITIONAL_STEP	Transaction waiting for an additional step to be completed	N/A	-

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Declined status

DECLINED status details

response_code	Description	Hard/Soft decline	ISO 8583 code
ACCESS_DENIED	Access denied	-	-
ACCOUNT_STATUS	Contact your fraud provider to verify your account status.	N/A	-
ACQUIRE_CONTINGENCY	Acquire service unavailable	SOFT	22, 80, 90, 91, 92, 96
AUTHENTICATION_ATTEMPT	Authentication attempt without completion	N/A	-
AUTHENTICATION_FAILED_THREE_D_SECURE	3D validation failed	N/A	-
AUTHENTICATION_FAILED_3DS	3D validation failed	N/A	-
BAD_FILLED_INFO	Card does not match the parameters from the issuer	HARD	30,89
BANK_NOT_SUPPORTED	Bank not supported by switch	SOFT	31
BRAND_NOT_SUPPORTED	Card brand not supported	-	-
CALL_FOR_AUTHORIZE	Card acceptor call acquirer’s security department	SOFT	66
CANCELLED_BY_USER	Cancelled by user	SOFT	17
CARD_AUTHENTICATION_FAILED	Card authentication failed	N/A	-
CARD_HOLDER_DECLINED	The cardholder declined the transaction	N/A	-
CARD_NOT_ENROLLED	No card record. The card is not enrolled in 3DS	N/A	-
CHALLENGE_CANCELED	The shopper cancelled the 3DS challenge	N/A	-
COUNTRY_NOT_SUPPORTED	This transaction cannot be processed due to an unsupported country	HARD	-
CURRENCY_NOT_ALLOWED	Currency not allowed	HARD	-
DECLINED_BY_BANK	Rejected by the bank. Refer to card issuer	SOFT	-
DECLINED_BY_PROVIDER	Rejected by the provider. Refer to the provider_data	SOFT	-
DISABLED	Restricted card	SOFT	-
DO_NOT_HONOR	Do not honor	SOFT	5
DO_NOT_TRY_AGAIN	Do not try again	-	-
DUPLICATED_TRANSACTION	Duplicate transmission of the transaction	SOFT	26,94
EXPIRED	Expired alternative payment method	SOFT
EXPIRED_CARD	Expired card	HARD	33,54
EXPIRED_TIMEOUT	The transaction was not completed in time and expired	N/A	-
FIRST_USE	Blocked first use	SOFT	78
FRAUD_VALIDATION	Security violation	SOFT	34, 59, 63, 64
FRAUD_VERIFICATION_DECLINED	-	-	-
INSUFFICIENT_FUNDS	Not sufficient funds	SOFT	51
INVALID_AMOUNT	Invalid amount	SOFT	13,64
INVALID_ACCOUNT	Invalid account	-	-
INVALID_CARD_DATA	Card does not match the parameters from the issuer.	HARD	56
INVALID_CARD_NUMBER	Card does not match the parameters from the issuer.	HARD	14
INVALID_API	Trying to verify the payment with an unauthorized IP address	HARD	-
INVALID_API_VERSION	Invalid API version	HARD	-
INVALID_CREDENTIALS	Fraud provider invalid credentials set in Yuno.	HARD	-
INVALID_ISSUER	Invalid issuer	SOFT	15
INVALID_MERCHANT	Invalid merchant or service provider	SOFT	3
INVALID_OTP	Invalid OTP	-	-
INVALID_PARAMETERS	Invalid parameters	HARD	-
INVALID_SECURITY_CODE	Invalid card’s security code	HARD	56,82
INVALID_STATUS	Invalid status	SOFT	-
INVALID_RESPONSE_FORMAT	The response body returned by the provider has an invalid format	SOFT	-
INVALID_TRANSACTION	The transaction being attempted is invalid	HARD	12,23
ISSUER_VIOLATION	The issuing bank rejected the transaction due to some violation related to the account.	SOFT	93
MISSING_PARAMETERS	Missing parameters	HARD	-
NO_RETRY_LIFE_CYCLE	No retry life cycle	HARD	79
NO_RETRY_POLICY	No retry policy	HARD	82
NO_RETRY_SECURITY	No retry security	HARD	83
RETRY_AFTER_1_H	Retry after 1 hours	HARD
RETRY_AFTER_24_H	Retry after 24 hours	HARD
RETRY_AFTER_2_D	Retry after 2 days	HARD
RETRY_AFTER_4_D	Retry after 4 days	HARD
RETRY_AFTER_6_D	Retry after 6 days	HARD
RETRY_AFTER_8_D	Retry after 8 days	HARD
RETRY_AFTER_10_D	Retry after 10 days	HARD
REJECTED_THREE_D_SECURE_REQUIRED	3DS validation rejection	SOFT	-
REJECTED_3D_SECURE_REQUIRED	3DS validation rejection	SOFT	-
REFER_TO_CARD_ISSUER	Rejected by the bank. Refer to card issuer	SOFT	01
REPORTED_LOST	Lost card	HARD	41
REPORTED_STOLEN	Stolen card, pick-up	HARD	43
REQUESTS_EXCEEDED	Requests limit for the provider account reached.	SOFT	-
RESTRICTED_BY_BANK	Rejected by the bank. Refer to card issuer’s special conditions	SOFT	62
RESTRICTED_CARD	Restricted card	-	-
SUSPECTED_FRAUD	The issuer or fraud provider flagged the transaction as suspected fraud	N/A	-
TERMINAL_ERROR	Your merchant account is not properly configured for the transaction	SOFT	58
THREE_D_SECURE_REQUIRED	Antifraud provider requires a 3DS challenge for further validation.	SOFT
TRANSACTION_DATA_INVALID	The provider rejected the transaction data	N/A	-
TRY_AGAIN_LATER	Retry the transaction later	-	-
TRANSACTION_NOT_FOUND	Transaction not found	HARD	25
UNAVAILABLE_PAYMENT_METHOD	Requested function not supported	HARD	-
UNSUPPORTED_OPERATION	Requested function not supported	HARD	40
UNKNOWN_ERROR	Unknown error	SOFT	-
USER_RESTRICTION	Transaction not permitted for cardholder	HARD	57
UPDATED_INFORMATION	Update information	-	-

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Merchant Advice Codes (MAC)

These codes will provide useful guidance when dealing with declined transactions. You may find these fields in our public API responses:

• transactions.merchant_advice_code and transactions.merchant_advice_code_message: Yuno-normalized fields providing standardized codes and explanations regarding the denial.
• transactions.provider_data.merchant_advice_code and transactions.merchant_advice_code_message: Raw code and message from the provider.

Please refer to Merchant Advice Codes (MAC) for more information.

Merchant Advice Codes (MAC)

Merchant Advice Codes provide guidance from issuers/providers about retry behavior and policy. When present on a decline, use the MAC to determine whether to retry and the recommended timing.

merchant_advice_code	Description	Provider MAC code
UPDATE_INFORMATION	Updated/additional information needed	01 – Updated account information available
TRY_AGAIN_LATER	Retry after 10 days	02 – Try again later
DO_NOT_TRY_AGAIN	Do not try again	03 – Do not try again
REQUIREMENTS_NOT_FULFILLED	Token requirements not fulfilled	04 – Token requirements not fulfilled
NO_RETRY_LIFE_CYCLE	No retry life cycle	21 – Recurring plan cancelled
RETRY_AFTER_1_H	Retry after 1 hour	24 – Retry after 1 hour (insufficient funds)
RETRY_AFTER_24_H	Retry after 24 hours	25 – Retry after 24 hours (insufficient funds)
RETRY_AFTER_2_D	Retry after 2 days	26 – Retry after 2 days (insufficient funds)
RETRY_AFTER_4_D	Retry after 4 days	27 – Retry after 4 days (insufficient funds)
RETRY_AFTER_6_D	Retry after 6 days	28 – Retry after 6 days (insufficient funds)
RETRY_AFTER_8_D	Retry after 8 days	29 – Retry after 8 days (insufficient funds)
RETRY_AFTER_10_D	Retry after 10 days	30 – Retry after 10 days (insufficient funds)
NO_RETRY_POLICY	No retry policy	40 – Non‑rechargeable prepaid card
NO_RETRY_SECURITY	No retry security	42 – Sanction score exceeded
MULTIPLE_USE_CARD	Multiple‑use virtual card	43 – Multiple‑use virtual card

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Rejected status

REJECTED status details

response_code	Description	Hard/Soft decline	ISO 8583 code
COUNTRY_NOT_SUPPORTED	-	HARD	-
CURRENCY_NOT_ALLOWED	-	HARD	-
INVALID_PARAMETERS	-	HARD	-
INVALID_REQUEST	-	HARD	-
INTERNAL_ERROR	-	HARD	-
MISSING_PARAMETERS	-	HARD	-

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Error status

ERROR status details

response_code	Description	Hard/Soft decline	ISO 8583 code
ERROR	Unknown internal error	SOFT	-
PROVIDER_ERROR	Error. An unknown error occurred during the authorization	SOFT	6
PROVIDER_INTERNAL_ERROR	Internal error	SOFT	98
PROVIDER_INVALID_CREDENTIALS	Invalid credentials	HARD	-
PROVIDER_INVALID_REQUEST	Invalid request	HARD	-
PROVIDER_TIMEOUT	Response received too late	SOFT	68
PROVIDER_UNKNOWN_ERROR	Unknown error	SOFT	-
OPERATION_NOT_SUPPORTED	Provider does not support this operation	HARD	-
TO_REVERSE	The transaction will be reversed	HARD	-
PROVIDER_INVALID_RESPONSE	Invalid response	HARD	20
PROVIDER_INVALID_API_VERSION	Invalid API version	HARD	-
DOCUMENT_TYPE_NOT_SUPPORTED	The document type sent is not supported by the provider	HARD	-

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Expired status

EXPIRED status details

response_code	Description	Hard/Soft decline	ISO 8583 code
EXPIRED_BY_PROVIDER	-	N/A	-

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Lost status

LOST status details

response_code	Description	Hard/Soft decline	ISO 8583 code
CLOSED	-	N/A	-
EXPIRED	-	N/A	-
PARTIALLY_CHARGE_BACKED	Funds were partially charged back	N/A	-
REVIEW_LOST	The Chargeback dispute was lost	N/A	-

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Prevented status

PREVENTED status details

response_code	Description	Hard/Soft decline	ISO 8583 code
CHARGEBACK_AVOIDED	Predispute deflected by provider/network. No evidence required. Terminal.	N/A	-

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Chargebacks specific response_codes

For more details, please refer to the reason codes page in the Chargeback guides section.

CREATED status details

response_code	Category	Description
EMV_LIABILITY_SHIFT_COUNTERFEIT EMV Liability Shift Counterfeit Fraud	Fraud	The cardholder is claiming that they did not authorize or participate in a transaction that you processed.
EMV_LIABILITY_SHIFT_NON_COUNTERFEIT_FRAUD EMV Liability Shift Non-Counterfeit Fraud	Fraud	The cardholder is claiming that they did not authorize or participate in a transaction that you processed.
CARD_PRESENT_FRAUD Other Fraud – Card-Present Environment	Fraud	The cardholder is claiming that they did not authorize or participate in a key-entered or unattended transaction conducted in a card-present environment.
NON_CARD_PRESENT_FRAUD Other Fraud – Card-Absent Environment	Fraud	The cardholder did not authorize or participate in a transaction conducted in a card-not-present environment, such as internet, mail-order, phone-order, and others.
SCHEME_MONITORING_PROGRAM Other Fraud - Scheme Monitoring Program	Fraud	Scheme Fraud Monitoring program
NO_AUTHORIZATION No Authorization	Authorization	Correct and valid authorization was not obtained by the merchant.
DECLINED_AUTHORIZATION Declined Authorization	Authorization	Authorization request received a Decline response and the merchant completed the transaction.
LATE_PRESENTMENT Late Presentment	Processing Errors	The transaction was not sent to Visa within the timeframe required.
INCORRECT_TRANSACTION_CODE Incorrect Transaction Code	Processing Errors	The cardholder is claiming that the converted amount of charge on an international transaction is incorrect.
INCORRECT_CURRENCY Incorrect Currency	Processing Errors	The merchant made one or more errors related to the transaction currency
INCORRECT_ACCOUNT_NUMBER Incorrect Account Number	Processing Errors	The account number in the authorization does not match the account number used in the transaction.
INCORRECT_AMOUNT Incorrect Amount	Processing Errors	The cardholder is claiming that the amount they agreed to pay differs from the amount charged.
DUPLICATE_PROCESSING Duplicate Processing/Paid by Other Means	Processing Errors	A single transaction was processed two or more times.
INVALID_DATA Invalid Data	Processing Errors	The authorization was obtained using invalid or incorrect data.
PRODUCT_OR_SERVICE_NOT_RECEIVED Merchandise/Services Not Received	Customer Disputes	The cardholder is claiming that merchandise or services that they ordered were not received.
CANCELED_RECURRING_TRANSACTION Cancelled Recurring Transaction	Customer Disputes	A recurring transaction was processed after it was cancelled.
PRODUCT_OR_SERVICE_ISSUE Not as Described or Defective Merchandise/Services	Customer Disputes	The cardholder is claiming the goods were not as described.
COUNTERFEIT_MERCHANDISE Counterfeit Merchandise	Customer Disputes	The merchandise was identified as counterfeit.
MISREPRESENTATION Misrepresentation	Customer Disputes	The cardholder’s bank received a notice from the cardholder is claiming misrepresented terms of sale.
CREDIT_NOT_PROCESSED Credit Not Processed	Customer Disputes	The cardholder’s bank received a notice from the cardholder claiming that they received authorization, credit or voided transaction receipt that has not been processed.
PRODUCT_OR_SERVICE_CANCELED Cancelled Merchandise/Services	Customer Disputes	The cardholder’s bank received a notice from the cardholder stating that they returned merchandise or cancelled services, but the credit has not appeared on the cardholder’s Visa statement.
ORIGINAL_TRANSACTION_NOT_ACCEPTED Original Credit Transaction Not Accepted	Customer Disputes	The original credit was not accepted.
CASH_TRANSACTION_VALUE Non-Receipt of Cash or Load Transaction Value	Customer Disputes	Cardholder did not receive the full cash withdrawal at an ATM.
CUSTOMER_AGREEMENT Proof of customer transaction or agreement required.	Customer Disputes	The issuer asks the merchant for a copy of the receipt signed by the cardholder or any other documentation that verifies the customers agreement for the purchase. Usually to verify a card-present transaction the cardholder disputes or doesn’t recognize.