Handle responses

This page describes the codes the API returns to report the outcome of a transaction. There are two distinct types:

Raw response codes — card networks transmit these directly via ISO protocol. They appear in the reason_code field and cover both approved and declined transactions.
Error codes — Getnet returns these with a 400 Bad Request HTTP status when a transaction fails validation before reaching the card network.

For recurring charges, the Subscription engine retries some declines automatically. Read that section before you build your own retry logic.

Raw response codes

Raw response codes originate from the card network, not from Getnet. The card network transmits them via ISO protocol. They reflect the issuer's authorization decision. These codes cover both successful approvals and declines. They are not HTTP error codes and are unrelated to 400 Bad Request responses.

The code appears in the reason_code field of the API response.

Merchant Advice Code (MAC) — Mastercard

To protect sensitive decline reasons from potential fraudsters, Mastercard uses three unique response codes. When an issuer declines an authorization with a sensitive response code, Mastercard converts it to one of these three values:

79 (Life Cycle)
82 (Politics)
83 (Fraud/Security)

The acquirer and the merchant receive only the unique Mastercard code in the authorization response.

Without access to the specific decline reason, you need more information. You need to know whether the decline is reversible and whether to retry the authorization. To address this, Mastercard defines the Merchant Advice Code (MAC).

The MAC code indicates whether to retry the transaction and, if so, what action you must take before you retry. The possible MAC values are:

01 — Updated or additional information required
02 — Try again later
03 — Do not retry
04 — Token requirements not fulfilled for this token type
U — Payment canceled — do not resubmit

When the response code is 51 (Insufficient Funds/Over Credit Limit), Mastercard may include additional retry-timing advice in the MAC field. The leading digit indicates the time unit: 1 for hours, 2 for days:

101 = 1 hour
124 = 24 hours
202 = 2 days
204 = 4 days
206 = 6 days
208 = 8 days
210 = 10 days

The API returns the MAC code in the merchant_advice_code field of the 200 response for all card payments.

Mastercard to Getnet MAC mapping

Getnet maps original Mastercard network codes to internal codes that align with the return-grouping rules used across other card networks.

MAC Mastercard	FROM TO MAC Getnet	Description	Classification
01	01	Updated/additional information needed	Reversible
02	02	Try Again Later	Reversible
03	03	Do Not Try Again	Irreversible
04	04	Token requirements not fulfilled for this token type	Reversible
21	U	Payment Cancellation — Do not resubmit transaction	Reversible
24	101	Try after 1 hour	Reversible
25	124	Try after 24 hours	Reversible
26	202	Try after 2 days	Reversible
27	204	Try after 4 days	Reversible
28	206	Try after 6 days	Reversible
29	208	Try after 8 days	Reversible
30	210	Try after 10 days	Reversible
40	NU	Try after 10 days	Reversible
41	NV	Try Again Later	Reversible
43	NX	Do Not Try Again	Irreversible

Response code and MAC combinations

Mastercard exclusively uses MAC codes 101, 124, 202, 204, 206, 208, and 210. Issuers may also send the remaining codes (01, 02, 03, 04, and U) as advisory messages alongside other ABECS return codes. Retry the transaction only when the MAC code marks it as reversible.

Response Code	MAC	Description	Guidance	Classification
79 or 82	01	Updated/additional information needed	Updated information is available in the Mastercard ABU database. Verify the new details before retrying.	Reversible
79 or 82	03	Do Not Try Again	No updated credentials found in the Mastercard ABU database. Do not retry.	Irreversible
83	01	Updated/additional information needed	Verify that the card information is correct. To improve approval likelihood, retry with authentication (for example, 3DS).	Reversible
83	03	Do Not Try Again	Suspected fraud. Do not retry.	Irreversible
79, 82, 83	02	Try Again Later	Try again later.	Reversible
51	101	Try after 1 hour	Retry after 1 hour.	Reversible
51	124	Try after 24 hours	Retry after 24 hours.	Reversible
51	202	Try after 2 days	Retry after 2 days.	Reversible
51	204	Try after 4 days	Retry after 4 days.	Reversible
51	206	Try after 6 days	Retry after 6 days.	Reversible
51	208	Try after 8 days	Retry after 8 days.	Reversible
51	210	Try after 10 days	Retry after 10 days.	Reversible

Card network response codes

The table below lists all response codes returned by AMEX, Maestro, Mastercard, and Visa. A dash (—) indicates that the brand doesn't use the code. The table lists numeric codes first in ascending order, followed by alphanumeric codes.

Code	AMEX	Maestro	Mastercard	Visa
0	APPROVED	APPROVAL COMPLETED	APPROVAL OR COMPLETED SUCCESSFULLY	APPROVAL COMPLETED
1	APPROVE WITH ID	DECLINE, REFER TO CARD ISSUER	REFER TO ISSUER	REFER TO CARD ISSUER
2	PARTIAL APPROVAL	—	—	REFER TO CARD ISSUER - SPECIAL CONDITIONS
3	APPROVED VIP	—	INVALID MERCHANT	INVALID MERCHANT OR SERVICE PROVIDER
4	—	CAPTURE CAPTURE CARD	CAPTURE CARD	PICK UP CARD
5	—	DECLINE, MDS USE ONLY	DO NOT HONOR	DO NOT HONOR
6	—	—	—	ERROR
7	—	—	—	PICK UP CARD - SPECIAL CONDITIONS
8	—	—	APPROVE WITH ID	—
10	—	MERCHANT TERMINAL CAN ACCEPT PARTIAL APPROVALS	PARTIAL APPROVAL AMOUNT	AC_APPRV_PART_AMT
11	—	—	—	VIP APPROVAL
12	—	DECLINE, INVALID TRANSACTION	INVALID TRANSACTION	INVALID TRANSACTION
13	—	DECLINE, INVALID AMOUNT	INVALID AMOUNT	INVALID AMOUNT
14	—	DECLINED, INVALID PAN	INVALID CARD NUMBER	INVALID ACCOUNT NUMBER
15	—	DECLINE, INVALID ISSUER	INVALID ISSUER	NO SUCH ISSUER
19	—	—	—	RE-ENTER TRANSACTION
21	—	—	—	NO ACTION TAKEN
25	—	—	UNABLE TO LOCATE RECORD ON FILE	UNABLE TO LOCATE RECORD IN FILE
27	—	—	FILE UPDATE FIELD EDIT ERROR	—
28	—	—	—	FILE UNAVAILABLE
30	—	DECLINE, MESSAGE FORMAT ERROR	FORMAT ERROR	FORMAT ERROR
39	—	—	—	NO CREDIT ACCOUNT
40	—	—	REQUESTED FUNCTION NOT SUPPORTED	—
41	—	CAPTURE LOST CARD	LOST CARD	LOST CARD (PICK-UP)
43	—	CAPTURE STOLEN CARD	STOLEN CARD	STOLEN CARD (PICK-UP)
46	—	DENY ACCOUNT CLOSED	DENY ACCOUNT CLOSED	CLOSED ACCOUNT
51	—	DECLINE INSUFFICIENT FUNDS	INSUFFICIENT FUNDS OR OVER CREDIT LIMIT	INSUFFICIENT FUNDS
52	—	—	—	NO CHECKING ACCOUNT
53	—	—	—	NO SAVINGS ACCOUNT
54	—	DECLINE EXPIRED CARD	EXPIRED CARD	EXPIRED CARD
55	—	DECLINED, INVALID PIN	INVALID PIN	INCORRECT PIN
57	—	DECLINE TRANSACTION DISALLOWED TO ISS/CRDHLDR	TRANSACTION NOT PERMITTED TO ISS OR CARDHOLDER	—
58	—	DECLINE TRANSACTION DISALLOWED TO ISS/CRDHLDR	TRANSACTION NOT PERMITTED TO ACQ OR TERMINAL / TRANS NOT PERMITTED TO ACQUIRER OR TERMINAL	TRANSACTION NOT ALLOWED AT TERMINAL
59	—	—	—	DENY SUSPECTED FRAUD
61	—	DECLINE EXCEEDS WITHDRAWAL LIMIT	EXCEEDS WITHDRAWAL AMOUNT LIMIT	EXCEEDS WITHDRAWAL AMOUNT LIMIT
62	—	DECLINE RESTRICTED CARD	RESTRICTED CARD	RESTRICTED CARD
63	—	ERROR IN DECRYPTION OF PIN BLOCK	SECURITY VIOLATION	SECURITY VIOLATION
64	—	—	—	TRANSACTION DOES NOT MEET AML REQUIREMENT
65	—	DECLINE EXCEEDS WITHDRAWAL COUNT LIMITS	EXCEEDS WITHDRAWAL COUNT LIMIT	ACTIVITY COUNT LIMIT EXCEEDED
68	—	RESPONSE RECEIVED LATE	—	RESPONSE RECEIVED LATE
70	—	—	CONTACT CARD ISSUER	PIN DATA REQUIRED
71	—	MESSAGE OUT OF EXCEPTION CYCLE SEQUENCE	PIN NOT CHANGED	MESSAGE OUT OF EXCEPTION CYCLE SEQUENCE
72	—	DENY CARD NOT YET EFFECTIVE	DENY CARD NOT YET EFFECTIVE	EXCEPTION CYCLE TIME EXPIRED
75	—	DECLINE ALLOWABLE NUMBER OF PIN TRIES EXCEEDED	ALLOWABLE NUMBER OF PIN TRIES EXCEEDED	PIN TRIES EXCEEDED
76	—	DECLINE INVALID TO ACCOUNT SPECIFIED	INVALID OR NONEXISTENT TO ACCOUNT SPECIFIED	UNABLE TO LOCATE PREVIOUS MESSAGE
77	—	DECLINE INVALID FROM ACCOUNT SPECIFIED	INVALID OR NONEXISTENT FROM ACCOUNT SPECIFIED	—
78	—	DECLINE INVALID ACCOUNT SPECIFIED	INVALID OR NONEXISTENT ACCOUNT SPECIFIED	BLOCKED, FIRST USED OR CARDHOLDER NOT ACTIVATED
79	—	LIFECYCLE	LIFECYCLE	ALREADY REVERSED (BY SWITCH)
80	—	DECLINE SYSTEM NOT AVAILABLE	DUPLICATE ADD - ACTION NOT PERFORMED	REVERSAL RESPONSE TO DECLINED ORIGINAL
81	—	—	DOMESTIC DEBIT TRAN NOT ALLOWED	PIN CRYPTOGRAPHIC ERROR
82	—	POLICY	POLICY	INCORRECT CVV
83	—	SECURITY	SECURITY	—
84	—	—	INVALID AUTHORIZATION LIFE CYCLE	—
85	—	NA VALID FOR AVS ONLY REQUESTS	NOT DECLINED	APPROVED
86	—	—	PIN VALIDATION NOT POSSIBLE	UNABLE TO VERIFY PIN
88	—	—	CRYPTOGRAPHIC FAILURE	—
89	—	—	UNACCEPTABLE PIN - TRANSACTION DECLINED - RETRY	INELIGIBLE TO RECEIVE FNCL INFO (810 RESPONSE)
91	—	DECLINE UNABLE TO ROUTE TRANSACTION	AUTHORIZATION SYSTEM OF ISSUER INOPERATIVE	ISSUER UNAVAILABLE OR SWITCH INOPERATIVE
92	APPROVED (EXPRESS REWARDS PROGRAM)	DECLINE UNABLE TO ROUTE TRANSACTION	UNABLE TO ROUTE TRANSACTION	DESTINATION CANNOT BE FOUND FOR ROUTING
93	—	—	—	VIOLATION OF LAW
94	—	DECLINE DUPLICATE TRANSMISSION DETECTED	DUPLICATE TRANSMISSION DETECTED	—
96	—	DECLINE SYSTEM ERROR	SYSTEM ERROR	SYSTEM MALFUNCTION
100	DENY	—	—	—
101	EXPIRED CARD / INVALID EXPIRATION DATE	—	—	—
106	EXCEEDED PIN ATTEMPTS	—	—	—
107	PLEASE CALL ISSUER	—	—	—
109	INVALID MERCHANT	—	—	—
110	INVALID AMOUNT	—	—	—
111	INVALID ACCOUNT	—	—	—
115	REQUESTED FUNCTION NOT SUPPORTED	—	—	—
117	INVALID PIN	—	—	—
119	CARD MEMBER NOT ENROLLED / NOT PERMITTED	—	—	—
122	INVALID CARD SECURITY CODE	—	—	—
125	INVALID EFFECTIVE DATE	—	—	—
130	DENY, STRONG CUSTOMER AUTHENTICATION REQUIRED	—	—	—
181	FORMAT ERROR	—	—	—
183	INVALID CURRENCY CODE	—	—	—
187	DENY - NEW CARD ISSUED	—	—	—
188	DENY - ACCOUNT CANCELED	—	—	—
189	DENY - CANCELED OR CLOSED MERCHANT	—	—	—
194	DENY, INVALID REGION CODE	—	—	—
200	DENY - PICK UP CARD	—	—	—
400	REVERSAL ACCEPTED	—	—	—
800	NW MANAGEMENT APPROVED	—	—	—
900	ACCEPTED - ATC SYNCHRONIZATION	—	—	—
909	SYSTEM MALFUNCTION	—	—	—
911	ISSUER TIMEOUT	—	—	—
912	ISSUER NOT AVAILABLE	—	—	—
1A	—	—	—	ADDITIONAL CUSTOMER AUTHENTICATION REQUIRED
5C	—	—	—	TRANSACTION NOT SUPPORTED / BLOCKED BY ISSUER
6P	—	—	—	VERIFICATION DATA FAILED
9G	—	—	—	BLOCKED BY CARDHOLDER / CONTACT CARDHOLDER
B2	—	—	—	SURCHARGE AMT NOT SUPPORTED BY DEBIT NETWORK ISS
N3	—	—	—	CASH SERVICE NOT AVAILABLE
N4	—	—	—	CASH REQUEST EXCEEDS ISSUER LIMIT
N7	—	—	—	CVV2 FAILURE
N8	—	—	—	TRANSACTION AMT EXCEED PREAUTHORIZED APPR AMOUNT
P0	—	—	—	APPROVED - PVID CODE MISSING OR HAS EXPIRED
P1	—	—	—	DECLINED - PVID CODE MISSING OR HAS EXPIRED
P5	—	—	—	DENIED PIN UNBLOCK
P6	—	—	—	DENIED PIN CHANGE
Q1	—	—	—	CARD AUTHENTICATION FAILED
R0	—	—	—	DENY SPECIFIC STOP PAYMENT
R1	—	—	—	DENY ALL STOP PAYMENTS
Z5	—	—	—	VALID ACCOUNT BUT AMOUNT NOT SUPPORTED

Error codes

Getnet returns these codes with a 400 Bad Request HTTP status when a transaction fails validation or violates a business rule before reaching the card network.

Error Code	Description	Meaning
1	The seller informed was not found	The seller does not exist or is not integrated with the platform.
2	Seller not active	The seller exists but is not active.
3	Terminal not found for this operation	The terminal code does not exist or is not integrated with the platform.
4	Terminal not active	The terminal exists but is not active.
5	Product not found for requested operation	The product does not exist or is not integrated with the platform.
6	Acquirer product not active	The product exists but is not active.
7	Card not accepted for this operation	The BIN is unsupported or the BIN table is outdated.
8	Unable to refund the transaction. It can only be canceled.	The transaction supports cancellation only, not refunds.
9	The date limit to refund the transaction was expired	The refund window has expired.
10	Denied, it's not possible to refund a `{transaction_status}` transaction	The transaction status does not permit refunds.
11	The acquirer informed was not found	The acquirer does not exist or is not integrated with the platform.
12	Operation not available for card	The requested operation does not match the BIN lookup result.
13	Swiped accepted only with sign authorization	Magnetic operations support offline PIN validation only.
14	Transaction not found	No transaction matches the provided parameters.
15	Transaction not found with payment_id: `{payment_id}`	No transaction matches the provided `payment_id`.
16	Denied. It's not possible to cancel a `{transaction_status}` transaction	The transaction status does not permit cancellation.
17	It's not possible to cancel. More than one transaction has been found	More than one transaction matches the provided parameters.
18	The date limit to cancel the transaction was expired	The cancellation window has expired.
19	The date limit to undo the transaction was expired	The undo window has expired.
20	Acquirer code not informed	The acquirer code field is empty.
21	The capture time limit is over	The capture window has expired.
22	Denied. It's not possible to capture a `{status}` transaction	The transaction status does not permit capture.
23	The country_code not found	`country_code` is not configured for the seller or acquirer.
24	The AID not found	The AID is not in the registered AID list.
25	Denied. It's not possible to reverse a transaction that has already been printed	Transactions with a printed receipt do not support reversal.
26	Denied. It's not possible to reverse a `{status}` transaction	The transaction status does not permit reversal.
27	Seller with seller_code `{sellerCode}` can't be found	No seller matches the provided `seller_code`.
28	Seller with seller_id `{sellerId}` can't be found	No seller matches the provided `seller_id`.
29	Merchant with merchant_id `{merchantId}` can't be found	No merchant matches the provided `merchant_id`.
30	Terminal `{terminalCode}` not found for this operation	No terminal matches the provided terminal code.
31	Cannot find tokenized data	No tokenized data found for this reversal or cancellation.
32	Card not found	The system cannot extract the card number from the provided card data.
33	Empty timezone info	The system cannot extract timezone information from the transaction.
34	Denied. It's not possible to do an installment transaction with the operation `{operation}`	Installment transactions require the `credit` operation.
35	CVM is required for entry_mode CHIP	CVM is required when the entry mode is `CHIP`.
36	CVM mode not available	The CVM value is not recognized.
37	Service Code is required when CVM not present and entry_mode is CHIP_CONTACTLESS	Service Code is required when CVM is absent and the entry mode is `CHIP_CONTACTLESS`.
38	Service Code is required for entry_mode MAGNETIC	Service Code is required when the entry mode is `MAGNETIC`.
39	Service code method not available	The Service Code value is not recognized.
40	Denied. It's not possible to reverse the transaction	Payment data without a receipt must contain exactly one record.
41	Denied. Card not accepted for non-productive environment	The card is not on the allowed list for non-production environments.
42	Denied. Brand `{brand}` not supported for authentication flow	3DS authentication supports Visa and Mastercard only.
43	Denied. Transaction already been captured with a different amount	The capture amount does not match the originally authorized amount.
44	Denied. Operation `{operation}` not available for brand `{brand}`	The card brand does not support this operation.
45	Transaction already exists with provided keys	A transaction with the same keys already exists.
46	No valid transactions to capture	No valid transaction is available to capture.
47	Confirmation denied. The maximum amount of `{amount}` exceeded	The confirmation amount exceeds the maximum allowed.
48	Confirmation denied. Transaction already captured	The transaction was already captured.
49	Denied. It's not possible to re-authorize a `{status}` transaction	The transaction status does not permit re-authorization.
50	Deny. Pre-authorization is not allowed for `{brand}` brand	The card brand does not support pre-authorization.
51	Deny. Installments are not allowed for `{brand}` brand	The card brand does not support installments.
52	Denied. Skip payment is not allowed for American Express brand	American Express does not support skip payment installments.
53	Denied. Product not found with `{installment.number}` installments	No product is configured for the specified installment count.
54	Installments product not found	No installment product is configured.
55	The transaction_channel_type is invalid or not found	The `transaction_channel_type` value is invalid or not configured.
56	This seller does not have a `{brand}` affiliation	The seller does not have a `{brand}` affiliation registered.
57	Merchant category with code `{code}` can't be found	No merchant category matches the provided `merchant_category_code`.
58	Card data does not match the original transaction data	The card number does not match the BIN or transaction summary.
59	Card info can't be found	No card information matches the provided data.
60	It's not possible to do a reversal. More than one transaction has been found	More than one transaction matches the reversal parameters.
61	Switch code not found for `{brand}` at acquirer with code `{acquirer_code}`	No switch code is configured for the brand and acquirer combination.
62	Denied, duplicated seller	More than one seller record matches the provided data.
63	Deny. Manual transaction not accepted	Manual card entry is not permitted in card-present transactions.
64	PIN online is not allowed for `{brand}`	The card brand does not support online PIN.
65	Installment is not available for this acquirer switch	The acquirer switch does not support installments.
66	Denied, the amount is not the same as the original amount	The amount does not match the original transaction amount.
67	The transaction amount of QPS must be lower than or equal	The transaction amount exceeds the QPS threshold.
68	Denied. Transaction already refunded	The transaction was already refunded.
69	Denied. The amount must be less than or equal to the original amount	The refund amount exceeds the original authorized amount.
70	Denied. Operation `{operation}` not available for `{situation.status}` transaction	The transaction status does not permit this operation.
71	Denied. The last 4 digits of the card are incorrect	The last 4 digits of the card do not match.
72	Denied. The tip percentage must be less than or equal to 20% of the total amount	The tip percentage exceeds 20% of the total amount.
73	Denied, card number does not agree with mod10 algorithm	The card number fails the Luhn (mod10) check.
74	Denied. Special Payment `{specialPaymentIndicator}` is not allowed for `{brand}` brand	The card brand does not support this special payment indicator.
75	Denied. Tip is not allowed for `{brand}` brand	The card brand does not support tips.
76	Denied. Dynamic currency conversion is not allowed for `{brand}` brand	The card brand does not support dynamic currency conversion.
77	Denied. Dynamic currency conversion is not allowed for this seller	The seller is not configured for dynamic currency conversion.
78	Denied. Recurring is not allowed for `{brand}` brand	The card brand does not support recurring transactions.
79	Denied. Brand `{brand}` not supported for wallet flow	Wallet flow supports Visa and Mastercard only.
80	Denied. This brand `{brand}` does not accept zero amount	The card brand does not support zero-amount authorizations.
81	Denied. An error occurred when tokenizing data	An error occurred during tokenization.
82	The authorization was not routed to the scheme. It is not necessary to send a `{operation}` request.	The original transaction was not routed to the scheme. No follow-up operation is needed.
83	The selected_account is only valid for Maestro transactions	`selected_account` is valid for Maestro transactions only.
84	The reference_code has already been used. Send a different reference_code.	The `reference_code` is already in use. Provide a different value.
85	Denied. The amount must be greater than `{minimumAmount}`	The refund amount is below the minimum allowed.
86	Denied. Card verification is not allowed for `{brand}` brand	The card brand does not support card verification.
87	Denied. Card verification is not allowed for this seller	The seller is not configured for card verification.
88	Denied. Insufficient balance for this transaction	The available balance is insufficient for this refund.
89	Denied. Expire operation is not allowed for `{brand}` brand	The card brand does not support the expire operation.
90	Denied. The date limit to capture was not expired	The capture date limit has not yet passed.
91	Denied. It's not possible to expire a `{transactionStatus}` transaction	The transaction status does not permit expiry.
92	It's not possible to `{operation}` with different terminal.	The reversal must use the same terminal as the original transaction.
93	Transaction Not Allowed. Contact your card issuer for more information.	The transaction was denied by fraud analysis or for an undisclosed reason.
94	Denied. Airline is not allowed for `{brand}` brand	The card brand does not support airline transactions.
95	Affiliation of transaction must be either amex_optblue or amex_switch	The affiliation must be either `amex_optblue` or `amex_switch`.
96	The transaction amount is lower than the minimum value.	The transaction amount is below the acquirer's configured minimum.
97	Taxes calculation failed	Tax calculation failed.
98	Cents not accepted for CLP currency	CLP currency does not accept cent amounts.
99	Report days more than allowed	The requested report period exceeds the maximum allowed.
100	It's not possible to refund while another transaction is in progress	A refund is already in progress for this transaction.
101	Denied. Transaction not allowed	The transaction is not permitted. Contact the issuer for details.
103	Denied. The dynamic_mcc is not allowed	The acquirer does not permit `dynamic_mcc`. The value cannot be overridden.
104	Denied. It's not possible to refund. More than one transaction has been found	More than one transaction matches the refund parameters.
105	Denied. The refund amount is over the maximum refund amount: `{maximumAmount}`	The refund amount exceeds the maximum of `{maximumAmount}`.
106	The sum of tip value and tip partial amount must equal the amount	The tip value and tip partial amount must equal the total amount.
107	Denied, `{voucher_type}` exceeded date limit of `{days}` days	The voucher has exceeded its allowed time limit.
108	Denied, `{voucherType}` is not allowed for `{brand}` brand	The card brand does not support this voucher type.
109	Denied. Refund is impossible yet because the migration is not completed	The seller migration is not complete. Refunds are unavailable until migration finishes.
110	According to Mastercard's rule, one of these fields is required: security code, 3DS authentication, or tokenization data.	Per Mastercard's rules, provide at least one of: security code, 3DS authentication, or tokenization data.
111	Currency must be the same used at the `{transactionType}` transaction	The currency must match the original transaction currency.
112	Denied, adjustments are not allowed by `{brand}` brand.	The card brand does not allow adjustments.
113	Denied, adjustments maximum number reached.	The transaction has reached the maximum number of adjustments.
114	Denied, amount exceeds the maximum adjustment limit.	The adjusted amount exceeds the maximum allowed increase.
115	Denied, amount exceeds the maximum capture limit.	The capture amount exceeds the maximum allowed increase.
116	Denied, amount does not reach the minimum capture limit.	The capture amount falls below the minimum allowed.
117	Denied, brand `{brand}` does not allow lowering the amount.	The card brand does not allow reducing the authorized amount.
118	Denied, brand `{brand}` does not allow pre_authorization for `{operation}` operation.	The card brand does not allow pre-authorization for this operation.
119	Denied, brand `{brand}` does not allow pre_authorization for prepaid cards.	The card brand does not allow pre-authorization for prepaid cards.
120	Denied, amount must be different from the last authorized.	The adjustment amount must differ from the last authorized amount.
121	Adjustment denied, pre-authorized transaction does not have dynamic_currency_conversion.	DCC adjustments require the original transaction to have included DCC.
122	Denied. Unable to decrypt tokenized PAN.	The HSM could not decrypt the tokenized PAN.
123	Denied, adjustments are allowed only for pre-authorized transactions.	Adjustments are only allowed for pre-authorized transactions.
124	Denied. It's not possible to `{EnumPaymentOperation}` a `{transactionType}` transaction.	The `{EnumPaymentOperation}` operation is not permitted for `{transactionType}` transactions.
125	Denied. It is not possible to adjust. This transaction is currently expired.	The transaction has expired and cannot be adjusted.
126	Card not eligible for DCC transactions	The card BIN is not eligible for DCC.

Cancellation and refund errors

Cancellation and refund requests return codes in the CANCEL- namespace, not the codes above. The code arrives in the error_code field of each entry in details.

Read Cancellation and refund errors on the Errors page for the full list, including which codes you can retry.

APM error codes

The tables below list the error codes Getnet returns for the supported alternative payment methods: Multibanco, MBWay, and Bizum. The description_detail field carries the text exactly as shown here.

Multibanco

Getnet returns these reason codes for Multibanco payments.

Reason code	`description_detail`
E0600	Invalid payment entity
E0601	Invalid payment reference minimum amount
E0602	Invalid payment reference maximum amount
E0603	Invalid currency
E0604	Invalid NIB or IBAN
E0605	Invalid payment reference initial date time
E0606	Invalid payment reference limit date time
E0607	Invalid Email
E0608	Payment entity is not active
E0609	Missing data required to perform the payment reference generation
E0610	Payment reference generation not allowed for the payment entity
E0611	Unknown payment reference
E0612	Payment reference is cancelled
E0613	Payment reference already paid
E0614	Invalid operation
E0615	Transaction with error or not found
E0616	Invalid refund amount
E0617	Refund amount exceeds payment amount
E0618	Service Payment already refunded
E0619	Service Payment refund not allowed
E0620	Invalid scheme
E0621	Payment reference has expired
E9999	Operation declined by authorisation system

MBWay

Getnet returns these reason codes for MBWay payments.

Reason code	`description_detail`
E0500	Operation was not accepted by the card holder
E0501	Invalid request, data is missing or is invalid
E0502	Not possible to associate MB WAY to the provided alias
E0503	The provided alias is not correct
E0504	The provided alias has an invalid format
E0505	The provided alias is duplicated
E0506	The provided alias does not exist
E0507	Unknown MB WAY Authorised Payment
E0508	Invalid MB WAY authorised payment amount
E0509	MB WAY Authorised Payment monthly amount limit reached
E0510	MB WAY Authorised Payment merchant limits reached
E0511	Ineligible MB WAY Authorised Payment for the MB WAY alias
E0512	MB WAY Authorised Payment invalid expiration date
E0513	MB WAY Authorised Payment creation timeout
E0514	Operation Rejected due to fraud suspicion
E0515	MB WAY Authorised Payment not created. Cardholder did not accept the operation.
E0516	MB WAY Authorised Payment is expired
E0517	MB WAY Authorised Payment Cancellation timeout
E0518	MB WAY Authorised Payment already cancelled
E0519	Invalid operation type
E0520	MB WAY Authorized payment disabled
E0521	Operation declined. MB WAY alias is already associated
E0522	Invalid terminal
E0523	Invalid Amount
E0524	Declined operation
E0525	Invalid original transaction
E0526	Authorisation is cancelled.
E0527	Authorisation was already used
E0528	Refund amount exceeds purchase amount
E0529	Invalid refund amount
E0530	Cancellation amount exceeds the authorized amount
E0531	MB WAY purchase with an invalid card
E0532	MB WAY purchase with an invalid card data
E0533	Transaction already refunded
E0534	MB WAY Authorised Payment creation error
E0535	Invalid Service Provider
E0536	MB WAY Authorised Payment is suspended
E0537	MB WAY Authorised Payment - Invalid Payment method
E0538	MB WAY Authorised Payment Data is missing
E0539	MB WAY Authorised Payment Service is inactive
E0540	MB WAY Authorised Payment Already Exists.
E0541	MB WAY Authorised Payment is Cancelled
E0542	MBWAY Authorised Payment Data does not match operation data
E0543	MB WAY Authorised Payment Unavailable
E0544	MB WAY Authorised Payment invalid status
E0545	Transaction already processed
E0546	Merchant transaction ID already used in other operation/method
E0547	MB WAY Authorised Payment status is not active
E9999	Operation declined by authorisation system
T9999	Temporary internal error

Bizum

Getnet returns these reason codes for Bizum payments.

Reason code	`description_detail`
BIZ00000	Operation completed successfully.
BIZ00001	Required input parameter not provided.
BIZ00002	The format of one or more parameters is incorrect.
BIZ00003	Element not found.
BIZ00005	Internal system error.
BIZ00006	3DES or MAC X9.19 security error.
BIZ00007	Operation not permitted.
BIZ00008	Beneficiary not found.
BIZ00009	Payer not found.
BIZ00022	Functionality not yet implemented.
BIZ00213	Authentication error in the received request. Security sequence failure.
BIZ00224	The entity's response to the RTP request is KO.
BIZ00225	Request-to-pay authentication did not complete successfully.
9672	Bizum. Authentication failure. Blocked after three attempts.
9673	Bizum. Operation canceled. The user does not wish to continue.
9674	Bizum. Credit/payment rejected by the beneficiary.
9675	Bizum. Charge rejected by the payer.
9676	Bizum. The processor rejected the operation.
9677	Bizum. Insufficient available balance.
9800	BIZUM. Error in the RTP initiation response.
9801	BUZUM RTP. The phone number or notification URL is not specified.
9966	BIZUM returned a KO in the authorization.

Subscription engine

Recurring charges do not stop at the first decline. A subscription charge may come back with one of the response codes below. In that case, the subscription engine schedules the charge again on your behalf. You do not send the retry yourself.

Retriable response codes

The subscription engine retries charges that return these response codes.

Response Code	Description
05	Do Not Honor — the issuer declined the authorization. Listed as `5` under Card network response codes.
51	Insufficient funds or over credit limit.
61	Exceeds withdrawal amount limit.
65	Exceeds withdrawal count limit.

Any other response code ends the charge. The engine does not retry it.

Retry schedule

The engine makes up to four attempts. Each attempt runs a fixed number of days after the original charge date:

Attempt	Day
1st retry	2
2nd retry	6
3rd retry	10
4th retry	15

Each attempt generates its own notification. Track the outcome through the retry_number query parameter in the recurring callback. It tells you which attempt produced the result.

On this page

Handle responses

Ecommerce

Card Present

Reference

Webhooks

Handle responses

Raw response codes

Merchant Advice Code (MAC) — Mastercard

Mastercard to Getnet MAC mapping

Response code and MAC combinations

Card network response codes

Error codes

Cancellation and refund errors

APM error codes

Multibanco

MBWay

Bizum

Subscription engine

Retriable response codes

Retry schedule