Handling Errors from CCP610

CCP610 may return errors for various reasons. The error codes differ depending on the payment gateway. Personify classifies these errors into two categories: communication errors and declined errors.

The action CCP610 takes depends on which of these categories the error falls into. If the error is communication-related (i.e., services or Internet is down), CCP610 takes no action. When the communication issue resolves, CCP610 picks up the transaction and processes it normally.

If the transaction is declined or receives a similar error, CCP610 reverses the transaction. Your association may need to call the customer for an alternative method of payment. In the case of a declined error on reversed refunds, your association may need to refund the customer by check if the credit card is no longer valid.

Good Errors

PayPal error codes 111, 238, and 243 are considered “good” error codes. On the CCP610 report, these error will display as, “ Transaction Already Captured - Receipt has not been reversed - No further attempt will be made to process this transaction.” This is considered a “good error” because the receipt was not reverse. This error is letting you know that the receipt was settled, but not through Personify.

Error Codes

The following errors are delivered by default. These errors can be modified or additional error codes can be added as necessary to meet your association’s needs.

Error Code	Description
CYBERSOURCE
200	The authorization request was approved by the issuing bank but declined by CYBERSOURCE because it did not pass the Address Verification Service (AVS) check.
201	The issuing bank has questions about the request. You do not receive an authorization code online, but you might receive one verbally by calling the processor.
202	Expired card. You might also receive this if the expiration date you provided does not match the date the issuing bank has on file. The Credit Service does not check the expiration date; instead, it passes the request to the payment processor. If the payment processor allows issuance of credits to expired cards, CYBERSOURCE does not limit this functionality.
203	General decline of the card. No other information provided by the issuing bank.
204	Insufficient funds in the account.
205	Stolen or lost card.
208	Inactive card or card not authorized for card-not-present transactions.
209	American Express Card Identification Digits (CID) did not match.
210	The card has reached the credit limit.
211	Invalid card verification number.
230	The authorization request was approved by the issuing bank but declined by CYBERSOURCE because it did not pass the card verification (CV) check.
231	Invalid credit card number / account number.
233	General decline by the processor.
235	The requested amount exceeds the originally authorized amount. Occurs, for example, if you try to capture an amount larger than the original authorization amount.
241	The request ID is invalid.
242	You requested a capture, but there is no corresponding, unused authorization record. Occurs if there was not a previously successful authorization request or if the previously successful authorization has already been used by another capture request.
247	You requested a credit for a capture that was previously voided.
AVS-A	The authorization request was approved by the issuing bank but declined by Personify because there was a partial match on street address, but both 5-digit and 9-digit postal codes do not match.
AVS-B	The authorization request was approved by the issuing bank but declined by Personify because there was a partial match on street address, but postal code not verified. Returned only for non-U.S. issued Visa cards.
AVS-C	Street address and postal code not verified. Returned only for non-U.S. issued Visa cards.
AVS-D	Match. (Duplicate of M) Street address and postal code both match. Returned only for non-U.S. issued Visa cards. Although D and M are duplicates, it is possible that you will receive both.
AVS-E	Address Verification Service (AVS) data is invalid.
AVS-G	Not supported Non-U.S. issuing bank does not support Address Verification Service (AVS).
AVS-I	Address not verified. Returned only for non-U.S. issued Visa cards.
AVS-J	Match. This code is returned only if you are signed up to use Automatic Address Verification (AAV+) with the American Express Phoenix processor. Card member’s name, billing address, and postal code all match. Shipping information verified and charge back protection guaranteed through the Fraud Protection Program.
AVS-K	Partial match. This code is returned only if you are signed up to use Enhanced Address Verification Service (AVS) or Automatic Address Verification (AAV+) with the American Express Phoenix processor. Card member’s name matches. Both billing address and billing postal code do not match.
AVS-L	Partial match. This code is returned only if you are signed up to use Enhanced Address Verification Service (AVS) or Automatic Address Verification (AAV+) with the American Express Phoenix processor. Card member’s name matches. Billing postal code matches, but billing address does not match.
AVS-M	Match. (Duplicate of D) Street address and postal code both match. Returned only for non-U.S. issued Visa cards. Although D and M are duplicates, it is possible that you will receive both.
AVS-N	No match. Street address, 5-digit postal code, and 9-digit postal codes all do not match.
AVS-O	Partial match. This code is returned only if you are signed up to use Enhanced Address Verification Service (AVS) or Automatic Address Verification (AAV+) with the American Express Phoenix processor. Card member’s name matches. Billing address matches, but billing postal code does not match.
AVS-P	Partial match. Postal code matches, but street address is not verified. Returned only for non-U.S. issued Visa cards
AVS-Q	Match. This code is returned only if you are signed up to use Automatic Address Verification (AAV+) with the American Express Phoenix processor. Card member’s name, billing address, and postal code all match. Shipping information verified but chargeback protection not guaranteed (Standard program).
AVS-S	Issuing bank does not support Address Verification Service (AVS).
AVS-U	Address information unavailable. Returned if the U.S. bank does not support non-U.S. Address Verification Service (AVS) or if the Address Verification Service (AVS) in a U.S. bank is not functioning properly
AVS-W	Partial match. Street address does not match, but 9-digit postal code matches.
AVS-Z	Partial match. Street address does not match, but 5-digit postal code matches.
AVS-1	Address Verification Service (AVS) is not supported for this processor or card type.
CVV-D	The issuing bank determined that the transaction is suspicious.
CVV-I	Card verification number failed the processor's data validation check.
CVV-N	The authorization request was approved by the issuing bank but declined by CYBERSOURCE because it did not pass the card verification (CV) check. Card verification number not matched.
CVV-U	Card verification is not supported by the issuing bank.
CVV-X	Card verification is not supported by the card association.
CVV-1	Card verification is not supported for this processor or card type.
CVV-2	The processor returned an unrecognized value for the card verification response.
CVV-3	The processor did not return a card verification result code.
238	Pre-Settled Error Code. The authorization has already been captured. No action required.
243	Pre-Settled Error Code. The transaction has already been settled or reversed. No action required.
VERISIGN
-11	Proxy authorization failed.
12	Declined.
13	Referral. Transaction was declined but could be approved with a verbal authorization from the bank that issued the card. Submit a manual Voice Authorization transaction and enter the verbal authorization code.
19	Original transaction ID not found. The transaction ID you entered for this transaction is not valid.
22	Invalid American Bankers Association (ABA) number.
23	Invalid account number.
24	Invalid expiration date.
50	Insufficient funds available in account.
105	Credit error.
111	Capture error. Either an attempt to settle a transaction that is not an authorization transaction type, or an attempt to settle an authorization transaction that has already been settled. On the CCP610 report, this error will display, “ Transaction Already Captured - Receipt has not been reversed - No further attempt will be made to process this transaction.” This is considered a “good error” because the receipt was not reverse. This error is letting you know that the receipt was settled, but not through Personify. When this error is combined with a Processor Reason Code, further investigation is required.
112	Failed Address Verification Service (AVS) check. Address and ZIP code do not match. An authorization may still exist on the cardholder’s account.
113	Merchant sale total will exceed the sales cap with current transaction. Automated Clearing House (ACH) transactions only.
114	Card Security Code (CSC) mismatch. An authorization may still exist on the cardholder’s account.
122	Merchant sale total will exceed the credit cap with current transaction. Automated Clearing House (ACH) transactions only.
125	Declined by Fraud Protection Services Filter.
126	Flagged for review by Fraud Protection Services Filter. Result code 126 indicates that a transaction triggered a fraud filter. This is not an error, but a notice that the transaction is in a review status. The transaction has been authorized but requires you to review and to manually accept the transaction before it will be allowed to settle. This result occurred due to that fact that all new Payflow accounts include a “test drive” of the Fraud Protection Services at no charge. The filters are on by default, and a suspicious transaction triggered Result code 126. You can modify these settings based on your business needs. Result code 126 is intended to give you an idea of the kind of transaction that is considered suspicious to enable you to evaluate whether you can benefit from using the Fraud Protection Services.
127	Not processed by Fraud Protection Services Filter.
128	Declined by merchant after being flagged for review by Fraud Protection Services Filter.
1041	Buyer Authentication Service - Validate Authentication failed: missing or invalid Payment Authentication Response (PARES).
1043	Buyer Authentication Service - Validate Authentication failed: Cannot find successful Verify Enrollment.
1044	Buyer Authentication Service - Validate Authentication failed: Signature validation failed for Payment Authentication Response (PARES).
1045	Buyer Authentication Service - Validate Authentication failed: Mismatched or invalid amount in Payment Authentication Response (PARES).
1046	Buyer Authentication Service - Validate Authentication failed: Mismatched or invalid acquirer in Payment Authentication Response (PARES).
1048	Buyer Authentication Service - Validate Authentication failed: Mismatched or invalid card number in Payment Authentication Response (PARES).
1052	Buyer Authentication Service - Validate Authentication failed: This Payment Authentication Response (PARES) was already validated for a previous Validate Authentication transaction.
CVV-N	Card Verification Value (CVV) validation failed.
AVS-ZN	Address Verification Service (AVS) zip code validation failed.
AVS-AN	Address Verification Service (AVS) street address validation failed.
AVS-AX	Cardholder's bank does not support Address Verification Service (AVS).
AVS-ZX	Cardholder's bank does not support Address Verification Service (AVS).