Transaction States
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Below there is a list of the possible values a third party will receive in the state and response code fields.
The state field by itself is the overall reported state of the transaction and should be the only field that third parties take any action on.
The compound state is a combination of the state and a reason, this field is informational only and is subject to change without notice.
The filtered state (if specified) will be used when required by the end user’s browser.
Preflight
| ID | State | Reason | Response Code | Description | UI Filtered State |
|---|---|---|---|---|---|
| PREFLIGHT | PREFLIGHT | PREFLIGHT | IS0001 | Transaction starting | – |
Pending
| ID | State | Reason | Response Code | Description | UI Filtered State |
|---|---|---|---|---|---|
| IN_PROGRESS | PENDING | STARTING_TRANSACTION | IS0101 | Transaction in progress | – |
| VALIDATING_TRANSACTION | PENDING | VALIDATING_TRANSACTION | IS0102 | Validating transaction | – |
| VALIDATED_TRANSACTION | PENDING | VALIDATED_TRANSACTION | IS0103 | Validated transaction | – |
| PROCESSING_TRANSACTION | PENDING | PROCESSING_TRANSACTION | IS0104 | Processing transaction | – |
| PIV_SUCCESS | PENDING | PIV_SUCCESS | IS0105 | The PIV process has been successfully completed, registration is continuing |
– |
| PIV_REVIEW | PENDING | PIV_REVIEW | IS0106 | The PIV process has been failed and requires manual reviewing |
– |
| AWAIT_SECRET | PENDING | AWAIT_SECRET | IS0109 | Awaiting transaction secrets | – |
| RETRY_PIV | PENDING | RETRYING_TRANSACTION | IS0110 | PIV process restarted by operator |
– |
| COLLECT_OTP_DETAILS | PENDING | COLLECT_OTP_DETAILS | IS0111 | Collecting OTP details from user |
– |
| GENERATE_OTP | PENDING | GENERATE_OTP | IS0112 | Generating OTP | – |
| GENERATE_PIN_OTP | PENDING | GENERATE_PIN_OTP | IS0113 | Generating OTP-PIN | – |
| AWAIT_OTP | PENDING | AWAIT_OTP | IS0114 | Awaiting OTP | – |
| AWAIT_PIN | PENDING | AWAIT_PIN | IS0115 | Awaiting PIN | – |
| AWAIT_PIN_OTP | PENDING | AWAIT_PIN_OTP | IS01116 | Awaiting OTP-PIN | – |
| PIN_ACCEPTED | PENDING | PIN_ACCEPTED | IS0117 | PIN entered and accepted | – |
| AWAIT_KYC_INFORMATION | PENDING | AWAIT_KYC_INFORMATION | IS0119 | Awaiting KYC information | – |
| AWAIT_KYC_DOCUMENTATION | PENDING | AWAIT_KYC_DOCUMENTATION | IS0120 | Awaiting KYC documentation | – |
| PROCESSING_DOCUMENT | PENDING | PROCESSING_DOCUMENT | IS0121 | Processing KYC documentation | – |
| AWAIT_SCA_AUTHENTICATION | PENDING | AWAIT_SCA_AUTHENTICATION | IS0123 | Prompting user for SCA authentication |
– |
| CONTACTING_USER | PENDING | CONTACTING_USER | IS0124 | Contacting end user via email or SMS |
– |
| PROCESSING_TRANSACTION_ AUTH_A |
PENDING | PROCESSING_TRANSACTION_ AUTH_A |
IS0125 | Processing first authorization transaction secret |
– |
| PROCESSING_TRANSACTION_ UTH_B |
PENDING | PROCESSING_TRANSACTION_ AUTH_B |
IS0126 | Processing second authorization transaction secret |
– |
| PROCESSING_TRANSACTION_ CAPTURE_A |
PENDING | PROCESSING_TRANSACTION_ CAPTURE_A |
IS0127 | Processing first capture transaction secret |
– |
| PROCESSING_TRANSACTION_ CAPTURE_B |
PENDING | PROCESSING_TRANSACTION_ CAPTURE_B |
IS0128 | Processing second capture transaction secret |
– |
| AWAIT_PAYMENT | PENDING | AWAIT_PAYMENT | IS0129 | Awaiting payment details | – |
| REQUESTED_DOCUMENTS | PENDING | MANUAL_REQUESTED_ DOCUMENT |
IS0550 | After reviewing the submitted documents, the client has been requested to re-upload |
– |
| RISK_REVIEW | PENDING | RISK_REVIEW | IS0644 | Transaction was flagged as high risk and is being reviewed |
PENDING. MANUAL_REVIEW |
| SCREEN_REVIEW | PENDING | SCREEN_MANUAL_REVIEW | IS0664 | Transaction was flagged for possible PEP/Sanction and is being reviewed |
PENDING. MANUAL_REVIEW |
| AML_REVIEW | PENDING | AML_REVIEW | IS0674 | Transaction was flagged for possible money laundering and is being reviewed |
PENDING.AML_ MANUAL_REVIEW |
| MANUAL_REVIEW | PENDING | MANUAL_REVIEW | IS0901 | KYC registration manual review required |
PENDING. MANUAL_REVIEW |
| EOI_REVIEW | PENDING | EOI_REVIEW | IS0902 | Updated EOI details review required |
PENDING. MANUAL_REVIEW |
| AWAIT_PASSPORT_DETAILS | PENDING | PENDING.AWAIT_PASSPORT_ DETAILS |
IS1110 | Awaiting passport details | – |
| AWAIT_DRIVERS_LICENCE_ DETAILS |
PENDING |
PENDING.AWAIT_DRIVERS_ LICENCE_DETAILS |
IS1115 | Awaiting drivers licence details | – |
| AWAIT_NATIONAL_ID_ DETAILS |
PENDING |
PENDING.AWAIT_NATIONAL _ID_DETAILS |
IS1116 | Awaiting national id details | – |
| AWAIT_GENDER_DETAILS | PENDING | PENDING.AWAIT_GENDER_ DETAILS |
IS1117 | Awaiting gender details | – |
| NO_ACTION_TAKEN | PENDING | CAPTURE | 21 | No action taken | – |
Rejected
| ID | State | Reason | Response Code | Description | UI Filtered State |
|---|---|---|---|---|---|
| FAILED_EXTERNAL_ VERIFICATION |
REJECTED | FAILED_EXTERNAL_ VERIFICATION |
IS0191 | Failed External EOI Data Sources verification |
– |
| SECOND_SECRET_ REJECTED |
REJECTED | SECOND_SECRET_ EJECTED |
IS0403 | Charge failed on second secret amount |
– |
| UNSUPPORTED_OPERATION_ REJECTED |
REJECTED | OPERATION_NOT_ SUPPORTED |
IS0603 | Transaction has been declined because operation is not supported |
– |
| REJECTED_MAX_ATTEMPTS | REJECTED | MAX_ATTEMPTS | IS0604 | Transaction has been declined or cancelled by user |
– |
| UNSUPPORTED_SETTINGS_ CONFIGURATION |
REJECTED | SETTINGS_CONFIGURATION | IS0605 | Transaction has been declined because settings configuration does not support this operation |
– |
| REJECTED_INVALID_ CARD_TOKEN |
REJECTED | INVALID_CARD_TOKEN | IS0606 | Transaction has been declined because card token provided cannot be resolved |
– |
| REJECTED_INVALID_ RECURRING_DETAILS |
REJECTED | INVALID_RECURRING_ DETAILS |
IS0607 | Transaction has been declined because recurring details cannot be resolved |
– |
| UNSUPPORTED_CVV_LESS_ CARD_TOKEN_ONLY |
REJECTED | CVV_LESS_CARD_ TOKEN_ONLY |
IS0608 | Transaction has been declined because CVV-Less operations are not supported |
– |
| RISK_REJECTED | REJECTED | RISK_MANUAL_REJECTED | IS0622 | Transaction has been declined after being flagged as high risk |
REJECTED. MANUAL_REJECTED |
| RISK_AUTO_REJECTED | REJECTED | RISK_AUTO_REJECTED | IS0623 | Transaction has been automatically declined after being flagged as high risk |
REJECTED. AUTO_REJECTED |
| SCREEN_REJECTED | REJECTED | SCREEN_MANUAL_ REJECTED |
IS0661 | Transaction has been declined after being flagged for possible PEP/Sanction |
REJECTED. MANUAL_REJECTED |
| SCREEN_AUTO_REJECTED | REJECTED | SCREEN_AUTO_ REJECTED |
IS0665 | Transaction has been automatically declined after being flagged for possible PEP/Sanction |
REJECTED. AUTO_REJECTED |
| AML_REJECTED | REJECTED | SCREEN_AUTO_ REJECTED |
IS0671 | Transaction has been declined after being flagged for possible money laundering |
REJECTED.AML_ MANUAL_REJECTED |
| AML_AUTO_REJECTED | REJECTED | AML_AUTO_REJECTED | IS0675 | Transaction has been automatically declined after being flagged for possible money laundering |
REJECTED.AML_ AUTO_REJECTED |
| MANUAL_REJECTED | REJECTED | MANUAL_REJECTED | IS1101 | KYC registration manually rejected |
– |
| KYC_AUTO_REJECTED | REJECTED | REJECTED. KYC_AUTO_REJECTED |
IS1102 | KYC registration automatically rejected |
– |
| UPSTREAM_REJECTED | REJECTED | REJECTED. UPSTREAM_REJECTED |
IS1103 | Payment provider: Rejected |
– |
| UPSTREAM_FAILURE | REJECTED | DECLINED. UPSTREAM_FAILURE |
IS1200 | Payment provider: Unexpected error |
– |
| INVALID_REFER | REJECTED | INVALID_REFER | 01 | Refer to card issuer | – |
| INVALID_MERCHANT | REJECTED | INVALID_MERCHANT | 03 | Invalid merchant | – |
| INVALID | REJECTED | INVALID | 06 | Error | – |
| INVALID_CARD_NUMBER | REJECTED | INVALID_CARD_NUMBER | 14 | Invalid card number | – |
| INVALID_RESPONSE | REJECTED | INVALID_RESPONSE | 20 | Invalid response | – |
| LOST_CARD | REJECTED | LOST_CARD | 41 | Lost card, pick up (fraud account) |
REJECTED. UPSTREAM_REJECTED |
| STOLEN_CARD | REJECTED | STOLEN_CARD | 43 | Stolen card, pick up (fraud account) |
REJECTED. UPSTREAM_REJECTED |
| INSUFFICIENT_FUNDS | REJECTED | INSUFFICIENT_FUNDS | 51 | Insufficient funds | – |
| CARD_EXPIRED | REJECTED | CARD_EXPIRED | 54 | Expired card or expiration date is missing |
– |
| SUSPECTED_FRAUD | REJECTED | SUSPECTED_FRAUD | 59 | Suspected fraud | REJECTED. UPSTREAM_REJECTED |
| EXCEEDS_APPROVAL_LIMIT | REJECTED | EXCEEDS_APPROVAL_ LIMIT |
61 | Exceeds approval amount limit | – |
| RESTRICTED_CARD | REJECTED | RESTRICTED_CARD | 62 | Restricted card (card invalid in this region or country) |
– |
| EXCEEDS_FREQUENCY_LIMIT | REJECTED | FREQUENCY_LIMIT | 65 | Exceeds withdrawal frequency limit |
– |
| NEGATIVE_CVV | REJECTED | NEGATIVE_CVV | 82 | Negative CAM, dCVV, iCVV, or CVV results |
– |
| PAN_SCREENING_LOST_CARD | REJECTED | PAN_SCREENING_ LOST_CARD |
PS41 | Lost card, pick up (fraud account) |
REJECTED. AUTO_REJECTED |
| PAN_SCREENING_STOLEN_CARD | REJECTED | PAN_SCREENING_ STOLEN_CARD |
PS43 | Stolen card, pick up (fraud account) |
REJECTED. AUTO_REJECTED |
| PAN_SCREENING_FRAUD_CARD | REJECTED | PAN_SCREENING_ FRAUD_CARD |
PS34 | Pick up card (fraud account) | REJECTED. AUTO_REJECTED |
| PAN_SCREENING_PICKUP_CARD | REJECTED | PAN_SCREENING_ PICKUP_CARD |
PS4 | Pick up card | REJECTED. AUTO_REJECTED |
| PAN_SCREENING_ UNAUTHORIZED_CARD |
REJECTED | PAN_SCREENING_ UNAUTHORIZED_CARD |
PS36 | Restricted card (Unauthorized use) |
REJECTED. AUTO_REJECTED |
| PAN_SCREENING_ COUNTERFEIT_CARD |
REJECTED | PAN_SCREENING_ COUNTERFEIT_CARD |
PS81 | Counterfeit card |
Declined
| ID | State | Reason | Response Code | Description | UI Filtered State |
|---|---|---|---|---|---|
| CARD_BLOCK | DECLINED | CARD_ISSUER_COUNTRY | IS0308 | Card issuer country has been blocked by inclusions filters |
– |
| BANK_EXCLUDED | DECLINED | CARD_ISSUER | IS0309 | Residential country has been blocked by inclusions filters |
– |
| LOCATION_EXCLUDED | DECLINED | LOCATION_EXCLUDED | IS0312 | Location is not enabled in Geo Inclusions list |
– |
| OTP_TOKEN_DENIED | DECLINED | OTP_TOKEN_DENIED | IS0313 | Invalid token | – |
| TOR_DETECTED | DECLINED | TOR_DETECTED | IS0317 | Tor detected | – |
| KYC_THRESHOLD_EXCEEDED | DECLINED | KYC_THRESHOLD_ EXCEEDED |
IS0318 | KYC Threshold exceeded | – |
| CARD_TYPE_NOT_ALLOWED_FOR_KYC | DECLINED |
DECLINED.CARD_TYPE_ NOT_ALLOWED_FOR_KYC |
IS0319 | The card provided cannot be used for KYC |
– |
| SECRET_TOKEN_DENIED | DECLINED | SECRET_TOKEN_ DENIED |
IS0404 | Invalid secret | – |
| FAILED_3DS_AUTHENTICATION | DECLINED | FAILED_3DS_ AUTHENTICATION |
IS0405 | Failed 3-D Secure Authentication |
– |
| 3DS_NOT_ENROLLED | DECLINED | 3DS_NOT_ENROLLED | IS0406 | Card holder not enrolled into 3-D Secure |
– |
Expired
| ID | State | Reason | Response Code | Description | UI Filtered State |
|---|---|---|---|---|---|
| TRANSACTION_EXPIRED | EXPIRED | EXPIRED | IS0501 | Transaction has expired | – |
Success
| ID | State | Reason | Response Code | Description | UI Filtered State |
|---|---|---|---|---|---|
| RISK_ACCEPTED | SUCCESS | RISK_MANUAL_ACCEPTED | IS0621 | Transaction has been accepted after being flagged as high risk |
SUCCESS.MANUAL_ACCEPTED |
| SCREEN_ACCEPTED | SUCCESS | SCREEN_MANUAL_ACCEPTED | IS0660 | Transaction has been accepted after being flagged for possible PEP/Sanction |
SUCCESS.MANUAL_ACCEPTED |
| MANUAL_ACCEPT | SUCCESS | MANUAL_ACCEPTED | IS0701 | KYC registration manually accepted |
– |
| AML_ACCEPTED | SUCCESS | MANUAL_ACCEPTED | IS0676 | AML review has been accepted | SUCCESS.AML_MANUAL_ACCEPTED |
| AML_AUTO_ACCEPTED | SUCCESS | AUTO_ACCEPTED | IS0677 | AML review has been automatically accepted | SUCCESS.AML_AUTO_ACCEPTED |
| SUCCESS | SUCCESS | COMPLETE | 00 | Approved and completed successfully | SUCCESS.COMPLETE |
Cancelled
| ID | State | Reason | Response Code | Description | UI Filtered State |
|---|---|---|---|---|---|
| CANCELLED | CANCELLED | CANCELLED | IS0601 | Transaction cancelled by user | – |
| OPERATOR_CANCELLED | CANCELLED | OPERATOR_CANCELLED | IS0602 | Transaction cancelled by operator | – |
Failed
| ID | State | Reason | Response Code | Description | UI Filtered State |
|---|---|---|---|---|---|
| NOT_SUPPORTED | FAILED | NOT_SUPPORTED | 11 | Not supported transaction request | – |
| INVALID_TRANSACTION | FAILED | INVALID_TRANSACTION | 12 | Invalid transaction | – |
| SYSTEM_MALFUNCTION | FAILED | UNEXPECTED_ERROR | 96 | System malfunction | – |
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