Testing the Pull Funds Transfer Service {#payouts-pull-funds-test-visadirect} ============================================================================= The table lists action codes, their descriptions, HTTP status codes, response statuses, responses to `errorInformation.reason` fields, and simulator trigger amounts. You can interpret and understand these codes when testing the Pull Funds Transfer Service. | Visa Action Code | Visa Code Description | Cybersource HTTP Status Code | Cybersource Response Status | Cybersource Response | Simulator Trigger Amount | |:-----------------|:------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|:-----------------------------|:----------------------------|:----------------------------------|:-----------------------------| | `0` | Approved and completed successfully | `201` | `AUTHORIZED` | | All mandatory fields present | | `1` | Refer to card issuer | `201` | `DECLINED` | `CONTACT_PROCESSOR` | 1100.01 | | `2` | Refer to card issuer, special condition | `201` | `DECLINED` | `CONTACT_PROCESSOR` | 1100.02 | | `3` | Invalid merchant | `201` | `DECLINED` | `INVALID_MERCHANT_CONFIGURATION` | 1100.03 | | `4` | Pick up card (no fraud) | `201` | `DECLINED` | `STOLEN_LOST_CARD` | 1100.04 | | `5` | Do not honor | `201` | `DECLINED` | `PROCESSOR_DECLINED` | 1100.05 | | `6` | Error | `201` | `DECLINED` | `PROCESSOR_DECLINED` | 1100.06 | | `7` | Pick up card, special condition (fraud account) | `201` | `DECLINED` | `STOLEN_LOST_CARD` | 1100.07 | | `10` | Partial approval | `201` | `PARTIAL_AUTHORIZED` | `PARTIAL_APPROVAL` | 1100.1 | | `11` | Approved (V.I.P) | `201` | `AUTHORIZED` | | 1100.11 | | `12` | Invalid transaction | `201` | `DECLINED` | `PAYMENT_REFUSED` | 1100.12 | | `13` | Invalid amount or currency conversion field overflow | `201` | `DECLINED` | `PAYMENT_REFUSED` | 1100.13 | | `14` | Invalid account number (no such number) | `201` | `DECLINED` | `PROCESSOR_DECLINED` | 1100.14 | | `15` | No such issuer | `201` | `DECLINED` | `ISSUER_UNAVAILABLE` | 1100.15 | | `19` | Re-enter transaction | `201` | `DECLINED` | `PROCESSOR_DECLINED` | 1100.19 | | `21` | No action taken | `201` | `DECLINED` | `PROCESSOR_DECLINED` | 1100.21 | | `25` | Unable to locate record in file | `201` | `DECLINED` | `PROCESSOR_DECLINED` | 1100.25 | | `28` | File temporarily not available for update or inquiry | `201` | `DECLINED` | `PROCESSOR_DECLINED` | 1100.28 | | `39` | No credit account | `201` | `DECLINED` | `GENERAL_DECLINE` | 1100.39 | | `41` | Lost card, pick up (fraud account) | `201` | `DECLINED` | `STOLEN_LOST_CARD` | 1100.41 | | `43` | Stolen card, pick up (fraud account) | `201` | `DECLINED` | `STOLEN_LOST_CARD` | 1100.43 | | `51` | Not sufficient funds | `201` | `DECLINED` | `INSUFFICIENT_FUND` | 1100.51 | | `52` | No checking account | `201` | `DECLINED` | `PROCESSOR_DECLINED` | 1100.52 | | `53` | No savings account | `201` | `DECLINED` | `PROCESSOR_DECLINED` | 1100.53 | | `54` | Expired card or expiration date is missing | `201` | `DECLINED` | `EXPIRED_CARD` | 1100.54 | | `55` | Incorrect PIN or PIN missing | `201` | `DECLINED` | `INVALID_PIN` | 1100.55 | | `57` | Transaction not permitted to cardholder | `201` | `DECLINED` | `UNAUTHORIZED_CARD` | 1100.57 | | `59` | Suspected fraud | `201` | `DECLINED` | `PROCESSOR_DECLINED` | 1100.59 | | `61` | Exceeds approval amount limit | `201` | `DECLINED` | `EXCEEDS_CREDIT_LIMIT` | 1100.61 | | `62` | Restricted card (card invalid in this region or country) | `201` | `INVALID_REQUEST` | `UNAUTHORIZED_CARD` | 1100.62 | | `63` | Security violation (source is not correct issuer) | `201` | `DECLINED` | `ISSUER_UNAVAILABLE` | 1100.63 | | `64` | Transaction does not fulfill AML requirement | `201` | `DECLINED` | `GENERAL_DECLINE` | 1100.64 | | `65` | Exceeds withdrawal frequency limit | `201` | `INVALID_REQUEST` | `DEBIT_CARD_USAGE_LIMIT_EXCEEDED` | 1100.65 | | `74` | Different value than what is used for PIN encryption error | `201` | `DECLINED` | `GENERAL_DECLINE` | 1100.74 | | `75` | Allowable number of PIN entry tries exceeded | `201` | `INVALID_REQUEST` | `DEBIT_CARD_USAGE_LIMIT_EXCEEDED` | 1100.75 | | `76` | Unsolicited reversal | `201` | `INVALID_REQUEST` | `MISSING_AUTH` | 1100.76 | | `79` | Already reversed (by switch) | `201` | `INVALID_REQUEST` | `AUTH_ALREADY_REVERSED` | 1100.79 | | `80` | No financial impact | `201` | `INVALID_DATA` | `INVALID_DATA` | 1100.80 | | `81` | Cryptographic error found in PIN | `201` | `DECLINED` | `GENERAL_DECLINE` | 1100.81 | | `82` | Negative CAM, dCVV, iCVV, or CVV results | `201` | `DECLINED` | `CVN_NOT_MATCH` | 1100.82 | | `85` | No reason to decline a request for address verification, CVV2 verification, or a credit voucher or merchandise return | `201` | `AUTHORIZED` | | 1100.85 | | `86` | Cannot verify PIN; for example, no PVV | `201` | `DECLINED` | `GENERAL_DECLINE` | 1100.86 | | `89` | Ineligible to receive financial position info (GIV) | `201` | `DECLINED` | `PROCESSOR_DECLINED` | 1100.89 | | `91` | Issuer or switch inoperative and Stand-in Processing (STIP) not applicable or not available for this transaction; Time-out when no stand-in; POS (Point of Sale) Check Service: Destination unavailable; Credit Voucher and Merchandise Return Authorizations: V.I.P. sent the transaction to the issuer, but the issuer was unavailable. | `201` | `DECLINED` | `PROCESSOR_DECLINED` | 1100.91 | | `92` | Duplicate transmission. Transaction submitted containing values in tracing data fields that duplicate values in a previously submitted transaction. This code is available in SMS raw data in case of duplicate transmission. | `201` | `DECLINED` | `DUPLICATE_REQUEST` | 1100.92 | | `93` | Transaction cannot be completed-violation of law | `201` | `DECLINED` | `PROCESSOR_DECLINED` | 1100.93 | | `B1` | Surcharge amount not permitted on Visa cards or EBT food stamps (US acquirers only) | `201` | `DECLINED` | `GENERAL_DECLINE` | 11002.01 | | `B2` | Surcharge amount not supported by debit network issuer. | `201` | `DECLINED` | `GENERAL_DECLINE` | 11002.02 | | `N0` | Force STIP | `201` | `DECLINED` | `PROCESSOR_DECLINED` | 11002.03 | | `N3` | Cash service not available | `201` | `DECLINED` | `PROCESSOR_DECLINED` | 11002.04 | | `N4` | Cash request exceeds issuer or approved limit | `201` | `DECLINED` | `EXCEEDS_CREDIT_LIMIT` | 11002.05 | | `N5` | Ineligible for resubmission | `201` | `INVALID_DATA` | `INVALID_DATA` | 11002.06 | | `N7` | Decline for CVV2 failure | `201` | `DECLINED` | `CVN_NOT_MATCH` | 11002.07 | | `N8` | Transaction amount exceeds pre-authorized approval amount | `201` | `INVALID_REQUEST` | `EXCEEDS_AUTH_AMOUNT` | 11002.08 | | `Q1` | Card authentication failed | `201` | `DECLINED` | `GENERAL_DECLINE` | 11002.09 | | `R0` | Stop payment order | `201` | `DECLINED` | `PROCESSOR_DECLINED` | 11002.1 | | `R2` | Revocation of authorization order | `201` | `DECLINED` | `PROCESSOR_DECLINED` | 11002.11 | | `R3` | Revocation of all authorizations order | `201` | `DECLINED` | `PROCESSOR_DECLINED` | 11002.12 | | `T0` | First-time check | `201` | `DECLINED` | `PROCESSOR_DECLINED` | 11002.13 | | `T1` | Check is OK, but cannot be converted | `201` | `DECLINED` | `PROCESSOR_DECLINED` | 11002.14 | | `T2` | Invalid routing transit number | `201` | `DECLINED` | `PROCESSOR_DECLINED` | 11002.15 | | `T3` | Amount greater than established service limit | `201` | `DECLINED` | `EXCEEDS_CREDIT_LIMIT` | 11002.16 | | `T4` | Unpaid items, failed negative file check (POS Check Service, US only) | `201` | `DECLINED` | `PROCESSOR_DECLINED` | 11002.17 | | `T5` | Duplicate check number | `201` | `DECLINED` | `PROCESSOR_DECLINED` | 11002.18 | | `T6` | MICR error | `201` | `DECLINED` | `PROCESSOR_DECLINED` | 11002.19 | | `T7` | Too many checks | `201` | `DECLINED` | `PROCESSOR_DECLINED` | 11002.2 | | `Y1` | Offline-approved | `201` | `AUTHORIZED` | `SUCCESS` | 11002.21 | | `Y3` | Unable to go online; offline-approved | `201` | `AUTHORIZED` | `SUCCESS` | 11002.22 | | `Z1` | Offline-declined | `201` | `DECLINED` | `PROCESSOR_DECLINED` | 11002.23 | | `Z3` | Unable to go online; offline-declined | `201` | `DECLINED` | `PROCESSOR_DECLINED` | 11002.24 | | `NA` | The `POST` transaction timed out. If the API is not able to complete the transaction within 30 seconds (default) or within the timeout duration set in the HTTP header, it will respond with an `202` HTTP Status Code and a `statusIdentifier` value that can be used in the `GET` operation as the `statusIdentifier` in the URI. | `201` | `SERVER_ERROR` | `GATEWAY_TIMEOUT` | 2.02 | | `NA` | The API detected a duplicate transaction. | `201` | `INVALID_REQUEST` | `DUPLICATE_REQUEST` | 3.03 | | `NA` | The transaction was rejected by Visa due to a message validation error. | `201` | `INVALID_REQUEST` | `INVALID_DATA` | 40030.01 | | `NA` | Velocity limit exceeded | `201` | `INVALID_REQUEST` | `INVALID_DATA` | 40080.01 | | `NA` | This is returned due to client certificate does not matched with the one issued by Visa. | `201` | `SERVER_ERROR` | `SYSTEM_ERROR` | 40191.25 | | `NA` | This is returned if user credentials are wrong. | `201` | `SERVER_ERROR` | `SYSTEM_ERROR` | 40191.23/ 40191.24 | | `NA` | The URL access is not permitted. | `201` | `SERVER_ERROR` | `SYSTEM_ERROR` | 40396.11 | | `NA` | The message contains an invalid Primary Account Number (PAN) | `201` | `INVALID_REQUEST` | `INVALID_DATA` | 40430.01 | | `NA` | The URL is invalid or the Resource could not be found. | `201` | `INVALID_REQUEST` | `INVALID_DATA` | 4.04 | | `NA` | These are returned when an internal server error occurs. | `201` | `SERVER_ERROR` | `SYSTEM_ERROR` | 50010.01/ 50020.01 | | `NA` | These are returned when a `Cybersource` server error occurs. | `201` | `SERVER_ERROR` | `SYSTEM_ERROR` | 5.02 | | `NA` | This may be due to network connectivity issue. | `201` | `SERVER_ERROR` | `SERVICE_UNAVAILABLE` | 5.03 | | `NA` | Timeout which may be due to network connectivity issue. | `201` | `SERVER_ERROR` | `GATEWAY_TIMEOUT` | 5.04 | [Testing the Pull Funds Transfer Service]