Resources
AVS Enforcement & Response Codes
How to enforce Address Verification (AVS) and handle issuer response codes in your Cloud9 integration.
AVS Enforcement
If you need to enforce AVS (Address Verification), set the IgnoreAVSresult API option to N (NO). If you do so, your software must use post-processing to determine the reason for decline and proceed accordingly — not all decline reasons are critical in all conditions.
Cloud9 provides an extensive list of AVS options for fine-grained control.
Important — Only check the first 5 digits of zip codes when validating AVS responses.
The Flow
- Step 1: Submit transaction with
IgnoreAVSresult: "N" - Step 2: AVS check runs automatically
- If AVS passes → Transaction proceeds normally
- If AVS does NOT pass → Check the AVS Response Code to decide whether to proceed
- Step 3: Use the Issuer Response Code table below to determine the appropriate action
Example: Enforcing AVS in your request
{
"GMID": "1110222484",
"GTID": "GT1120095178",
"TransType": "Sale",
"MainAmt": "500",
"IgnoreAVSresult": "N",
"Street": "123 Main St",
"Zip": "33441"
}Issuer Response Codes
When a transaction is declined or flagged, the issuer returns one of the following response codes. Use these to determine whether to retry, prompt the customer, or halt the transaction.
| Code | Description |
|---|---|
00 | Approved |
01 | Refer to card issuer |
02 | Refer to card issuer's special conditions |
03 | Invalid merchant |
04 | Capture / Pick Up Card |
05 | Do not honour |
06 | Error |
07 | Pick up card special condition |
09 | Request in Progress |
10 | Partial Amount Approved |
12 | Invalid transaction |
13 | Invalid amount / bad message edit |
14 | Invalid card number / no such number |
15 | No such issuer |
17 | Customer cancellation |
18 | Customer dispute |
19 | Re-enter transaction |
22 | Suspected malfunction |
30 | Format error |
31 | Bank not supported by switch |
33 | Expired card |
34 | Suspected fraud |
35 | Card Acceptor call acquirer security |
36 | Restricted card — pick up |
37 | Contact Acquirer Security Department |
40 | Requested function not supported |
41 | Lost card |
42 | No universal account |
43 | Stolen card |
49 | The Card Was Declined |
51 | Insufficient funds |
54 | Expired card |
56 | No card record |
57 | Transaction not permitted by cardholder |
58 | Transaction not permitted by terminal |
59 | Suspected fraud |
61 | Exceeds withdrawal amount limit |
62 | Restricted card |
63 | Security violation |
65 | Authentication required |
67 | Hard capture |
69–74 | Error: Contact Card Issuer |
75 | Allowable number of PIN tries exceeded |
78 | Error |
80 | Credit issuer unavailable |
85 | No reason to decline the authorisation attempt |
91 | Authorization platform or issuer system inoperative |
92 | Network problem |
93 | Transaction cannot be completed |
96 | System malfunction |
97–99 | Error |
1A | Additional customer authentication required |
R1 | Revocation of Authorization |