| Code | StateShortMessage | Short MessageLongMessage | Long Message |
|---|
| 15100 | REFUSED | Deny | Do not Honour |
| 15101 | REFUSED | Deny | Card expired |
| 15104 | REFUSED | Deny | Restricted card |
| 15105 | REFUSED | Deny | Call acquirer security |
| 15106 | REFUSED | Deny | PIN tries exceeded |
| 15107 | REFUSED | Deny | Refer to issuer |
| 15116 | REFUSED | Deny | Insufficient funds |
| 15118 | REFUSED | Deny | No card record |
| 15119 | REFUSED | Deny | Transaction not allowed to cardholder |
| 15121 | REFUSED | Deny | Amount limits exceeded or outside valid load range |
| 15123 | REFUSED | Deny | Frequency limits exceeded |
| 15125 | REFUSED | Deny | Card not effective |
| 15126 | REFUSED | DenyERROR | Invalid PIN |
| 15167 | REFUSED | Deny | No PIN assigned |
| 15168 | REFUSED | Deny | PIN already present |
| 15169 | REFUSED | Deny | No PIN card |
| 15184 | REFUSED | Deny | PIN confirmation failed |
| 15200 | REFUSED | Deny & Pickup | Card closed |
| 15202 | REFUSED | Deny & Pickup | Fraudulent use detected by provider |
| 15204 | REFUSED | Deny & Pickup | Restricted card |
| 15205 | REFUSED | Deny & Pickup | Call acquirer security |
| 15206 | REFUSED | Deny & Pickup | PIN tries exceeded |
| 15207 | REFUSED | Deny & Pickup | Special conditions |
| 15208 | REFUSED | Deny & Pickup | Card lost |
| 15209 | REFUSED | Deny & Pickup | Card stolen |
| 15904 | ERROR | Deny | Format error |
| 15908 | REFUSEDERROR | Deny | System error during ping/sign on or sign off |
| 15909 | REFUSED | DenyERROR | System malfunction |
| 15913 | REFUSEDERROR | Deny | Duplicate transaction |
| 15914 | REFUSED | Deny | Unable to trace original transaction |
| 15920 | REFUSED | DenyERROR | Security error . authentication failed |
| 15921 | REFUSED | DenyERROR | Security error . security answer not defined |