Catálogo de errores de Kushki para transacciones POS

Este catálogo describe las posibles respuestas del API para distintos escenarios de transacción, incluidos códigos de estado, mensajes y descripciones. Cubre las declinaciones de emisores y franquicias cuando las transacciones se evalúan externamente, para que entiendas mejor las aprobaciones y los rechazos.

Códigos de estado HTTP

Kushki puede devolver distintos códigos de estado HTTP según las solicitudes que realices. A continuación encuentras los códigos de estado HTTP más comunes, su mensaje estándar asociado y una descripción más detallada de la respuesta.

Código	Mensaje	Detalle
200	OK	El proceso fue exitoso. Todo funcionó como se esperaba, según el método HTTP
400	Bad Request	El servidor no puede interpretar la solicitud (sintaxis incorrecta, tamaño excesivo, parámetros faltantes)
401	Authorization Required	Las credenciales deben autenticarse o la autenticación falló
403	Forbidden	No tienes los permisos necesarios para realizar esta acción
404	Not Found	Recurso o página no encontrada
409	Conflict	La solicitud no se puede procesar por un conflicto con el recurso (por ejemplo, varias actualizaciones simultáneas)
410	Gone	El recurso solicitado se eliminó del servidor y ya no estará disponible
412	Precondition failed	Indica que se denegó el acceso al recurso destino
429	Too Many Requests	Se enviaron demasiadas solicitudes en un periodo corto de tiempo
430	Request Header Fields Too Large	Este código de estado indica que el servidor no procesará la solicitud porque sus campos de cabecera son demasiado grandes.
500	Internal Server Error	Ocurrió un error inesperado del lado del servidor
502	Bad Gateway	El servidor (actuando como proxy o gateway) recibió una respuesta inválida de otro servidor
503	Service Temporarily Unavailable	El servidor no está disponible (normalmente porque está en mantenimiento o porque está sobrecargado)
504	Gateway Timeout	El servidor (actuando como proxy o gateway) no recibió a tiempo la respuesta del otro servidor

Códigos devueltos por Kushki en cargos POS

Los códigos de respuesta recibidos de procesadores y emisores aparecen en el objeto kushki_response, como en el siguiente ejemplo

"kushki_response": {
        "code": "01",
        "message": "Refer to card issuer"
    },

Error 006

Este código de error aparece cuando Kushki bloquea la tarjeta, por ejemplo si la franquicia no está soportada.

"kushki_response": {
        "code": "006",
        "message": "Card brand not supported"
    },

Si el código proviene de las franquicias de tarjeta (Visa, Mastercard o Prosa), tendrá dos dígitos. A continuación encuentras los códigos de respuesta más comunes, incluidas las declinaciones:

Código de error ISO	Descripción
00	Approved or completed successfully
01	Refer to card issuer
03	Invalid merchant
04	Capture card
05	Do not honor
08	Honor with ID
10	Partial Approval
12	Invalid transaction
13	Invalid amount
14	Invalid card number
15	Invalid issuer
30	Format error
41	Lost card
43	Stolen card
51	Insufficient funds/over credit limit
54	Expired card
55	Invalid PIN
57	Transaction not permitted to issuer/cardholder
58	Transaction not permitted to acquirer/terminal
61	Exceeds withdrawal amount limit
62	Restricted card
63	Security violation
65	Exceeds withdrawal count limit OR Identity Check Soft-Decline of EMV 3DS Authentication (merchant should resubmit authentication with 3DSv1)
70	Contact Card
71	Issuer PIN Not Changed
75	Allowable number of PIN tries exceeded
76	Invalid/nonexistent “To Account” specified
77	Invalid/nonexistent “From Account” specified
78	Invalid/nonexistent account specified (general)
79	Life cycle (Mastercard use only for 0110 messages)
81	Domestic Debit Transaction Not Allowed (Regional use only)
82	Policy (Mastercard use only for 0110 messages)
83	Fraud/Security (Mastercard use only for 0110 messages)
84	Invalid Authorization Life Cycle
85	Not declined Valid for all zero amount transactions.
86	PIN Validation not possible
87	Purchase Amount Only, No Cash Back Allowed
88	Cryptographic failure
89	Unacceptable PIN— Transaction Declined— Retry
91	Authorization System or issuer system inoperative
92	Unable to route transaction
94	Duplicate transmission detected
96	System error

Código de error ISO	Descripción
00	Approval and completed successfully Accepted and processed
01	Refer to card issuer
02	Refer to card issuer, special condition
03	Invalid merchant
04	Pick up card (no fraud)
05	Do not honor
06	Error
07	Pick up card, special condition (fraud account)
10	Partial Approval
11	Approved
12	Invalid transaction
13	Either Invalid amount or Currency conversion field overflow
14	Either invalid card number, No modulus 10 check, not a valid length for issuer or not in positive PIN Verification file l Separator in wrong position
15	No such issuer (first 8 digits of account number do not relate to an issuing identifier)
19	Re-enter transaction
21	No action taken
25	Unable to locate record in file
28	File is temporarily unavailable for update or inquiry
39	No credit account
41	Lost card, pick up card (fraud account)
43	Stolen card, pick up (fraud account)
46	Closed account
51	Not sufficient funds
52	No checking account
53	No savings account
54	Expired card or expiration date missing
55	PIN incorrect or missing
57	Used by switch when function requested is not allowed for product or card type
58	Transaction not allowed at terminal
59	Suspected fraud
61	Exceeds approval amount limit
62	Restricted card (card invalid in region or country)
63	Security violation (source not correct issuer)
64	Transaction does not fulfill AML requirement
65	Exceeds withdrawal frequency limit
70	PIN data required
74	Different value than that used for PIN encryption errors
75	Allowable number of PIN-entry tries exceeded
76	Unsolicited reversal-reversal with no original transaction in history. V.I.P. unable to match reversal request to an original message
78	Blocked, first used or special condition—new cardholder not activated or card is temporarily blocked
79	Reversed (by switch)
80	No financial impact (used in reversal responses to declined originals)
81	Cryptographic error found in PIN (used for cryptographic error condition found by security module during PIN decryption)
82	Negative online CAM, dCVV, iCVV, CVV, CAVV, dCVV2, TAVV, or DTVV results or Offline PIN authentication interrupted
85	No reason to decline a request for address verification, CVV2 verifi- cation, or credit voucher or merchandise return
86	Cannot verify PIN; for instance, no PVV
91	Issuer unavailable or switch inoperative (STIP not applicable or available for this transaction). Time-out when no STIP. Credit voucher and merchandise return authorizations: V.I.P. sent transaction to issuer, but issuer unavailable. Acquirers receiving code must send transactions again. Advices not created. Issuers can respond with this code, which V.I.P. passes to the acquirer without invoking STIP. Issuers use code to indicate they cannot perform authorization on issuer’s behalf.Causes decline at POS.
92	Financial institution or intermediate network facility cannot be found for routing (receiving institution ID invalid)
93	Transaction cannot be completed- violation of law.
94	Duplicate transmission. Transaction submitted containing values in tracing data fields that duplicate values in a previously submitted transaction.
96	System malfunction
1A	Additional customer authentication required
6P	Verification data failed
B1	Surcharge amount not permitted on Visa cards or EBT food stamps (U.S. acquirers only)
N0	Force STIP. Issuers can respond with this, which routes transactions to STIP. Issuers use code when they cannot perform authorization but want STIP to perform it.
N3	Cash service not available
N4	Cash request exceeds issuer or approved limit
N7	Decline for CVV2 failure
N8	Transaction amount exceeds pre- authorized approval amount
P5	Denied PIN unblock-PIN change or unblock request declined by issuer
P6	Denied PIN change-requested PIN unsafe
Q1	Card authentication failed or Offline PIN authentication interrupted
R0	Stop payment order
R1	Revocation of authorization order
R2	Transaction does not qualify for Visa PIN
R3	Revocation of all authorizations order
Z3	Unable to go online; offline-declined

Código de error ISO	Descripción
00	Approved or completed successfully
01	Refer to card issuer
02	Refer to special conditions for card issuer
03	Invalid merchant
04	Pick-up card
05	Do not honor
06	Error
07	Pick-up card, special condition
09	Request in progress (duplicate)
10	Approved partial
11	Approved (VIP) *
12	Invalid transaction
13	Invalid amount
14	Invalid card number (no such number)
15	No such issuer
30	Format error
31	Bank not supported by switch
33	Expired card
34	Suspected fraud
35	Card acceptor contact acquirer
36	Restricted card
37	Card acceptor call acquirer security
38	Allowable PIN tries exceded
39	No credit account
41	Lost card
43	Stolen card, pick-up
51	Not sufficient funds
54	Expired card
55	Incorrect personal identification number *
56	No card record
57	Transaction not permitted to cardholder
58	Transaction not permitted to terminal
61	Exceeds withdrawal amount limit
62	Restricted card
65	Exceeds withdrawal frequency limit
75	Allowable number of PIN tries exceeded *
76	Reserved for private use or Approved country club *
77	Reserved for private use or Approved pending identification (sign paper draft)*
78	Reserved for private use or Approved blind *
79	Reserved for private use or Approved administrative transaction *
80	Reserved for private use or Approved national negative file hit OK *
81	Reserved for private use or Approved commercial *
82	Reserved for private use or No security module
83	Reserved for private use or No accounts
84	Reserved for private use or No PBF *
85	Reserved for private use or PBF update error *
86	Reserved for private use or Invalid authorization type
87	Reserved for private use or Bad Track Data
88	Reserved for private use or PTLF error *
89	Reserved for private use or Invalid route service
91	Cutoff is in process, a switch is ending business for a day and starting the 90 next (transaction can be sent again in a few minutes) Issuer or switch is inoperative
92	Financial institution or intermediate network facility cannot be found for routing
94	Duplicate transmission
96	System malfunction
N0	Reserved for private use or Unable to authorize
N1	Reserved for private use or Invalid PAN length
N2	Reserved for private use or Preauthorization full
N3	Reserved for private use or Maximum online refund reached
N4	Reserved for private use or Maximum offline refund reached
N5	Reserved for private use or Maximum credit per refund
N6	Reserved for private use or Maximum refund credit reached
N7	Reserved for private use or Customer selected negative file reason
N8	Reserved for private use or Over floor limit
N9	Reserved for private use or Maximum number refund credits
O0	Reserved for private use or Referral file full
O1	Reserved for private use or NEG file problem *
O2	Reserved for private use or Advance less than minimum
O3	Reserved for private use or Delinquent
O4	Reserved for private use or Over limit table
OS	Reserved for private use or PIN required *
O6	Reserved for private use or Mod 10 check
O7	Reserved for private use or Force post
O8	Reserved for private use or Bad PBF *
O9	Reserved for private use or NEG file problem *
P0	Reserved for private use or CAF problem *
P1	Reserved for private use or Over daily limit *
P2	Reserved for private use or CAPF not found *
P3	Reserved for private use or Advance less than minimum
P4	Reserved for private use or Number of times used
PS	Reserved for private use or Delinquent
P6	Reserved for private use or Over limit table
P7	Reserved for private use or Advance less than minimum
P8	Reserved for private use or Administrative card needed
P9	Reserved for private use or Enter lesser amount
Q0	Reserved for private use or Invalid transaction date
Q1	Reserved for private use or Invalid expiration date
Q2	Reserved for private use or Invalid transaction code
Q3	Reserved for private use or Advance less than minimum
Q4	Reserved for private use or Number of times used
Q5	Reserved for private use or Delinquent
Q6	Reserved for private use or Over limit table
Q7	Reserved for private use or Amount over maximum
Q8	Reserved for private use or Administrative card not found
Q9	Reserved for private use or Administrative card not allowed
R0	Reserved for private use or Approved administrative request performed in window *
R1	Reserved for private use or Approved administrative request performed out of window *
R2	Reserved for private use or Approved administrative request performed anytime *
R3	Reserved for private use or Chargeback, customer file updated
R4	Reserved for private use or Chargeback, customer file updated, acquirer not found
R5	Reserved for private use or Chargeback, incorrect prefix number
R6	Reserved for private use or Chargeback, incorrect response code or CPF configuration
R7	Reserved for private use or Administrative transactions not supported
R8	Reserved for private use or Card on national negative file *
S4	PTLF full *
S5	Reserved for private use or Chargeback approved, customer file not updated
S6	Reserved for private use or Chargeback approved, customer file not updated, acquirer not found
S7	Reserved for private use or Chargeback accepted, incorrect destination
S8	Reserved for private use or ADMN file problem
S9	Reserved for private use or Unable to validate PIN; security module is down *
T1	Reserved for private use or Invalid credit card advance amount
T2	Reserved for private use or Invalid transaction date
T3	Reserved for private use or Card not supported
T4	Reserved for private use or Amount over maximum
T5	Reserved for private use or CAF status = 0 or 9 *
T6	Reserved for private use or Bad UAF *
T7	Reserved for private use or Cash back exceeds daily limit
T8	Reserved for private use or Invalid account
U0	ARQC failure decline *
U1	Security module parameter error *
U2	Security module failure *
U3	KEY1 record not found *
U4	ATC check failure *
U5	CVR decline *
U6	TVR decline *
U7	Reason online code decline *
U8	Fallback decline *
V0	ARQC failure referral *
V1	CVR referral *
V2	TVR referral *
V3	Reason online code referral *
V4	Fallback referral *
V7	ARQC failure capture *
V8	CVR capture *
V9	TVR capture *
40	Command rejected
R9	Destination not available
17	Customer cancellation
22	Suspected malfunction
S0	Suspect reversal
68	Response received too late
64	Original amount incorrect
S1	Suspicious reversal override
S2	Misdispense reversal
95	Reconcile error

CÓDIGO	MENSAJE	¿QUÉ HACER?
000	Approved or completed successfully	Indica que la transacción fue aprobada correctamente.
01	Refer to card issuer	El tarjetahabiente debe contactar al emisor de su tarjeta para entender por qué se rechazó la transacción
04	Capture card	El tarjetahabiente debe usar otra tarjeta para procesar la transacción y contactar al emisor de su tarjeta para que revise el caso
05	Do not honor	El tarjetahabiente debe reintentar la transacción
06	Error	El tarjetahabiente debe llamar al banco emisor para aclarar el problema (y ampliar su crédito si el problema es el límite de crédito)
09	Request in progress (duplicate)	El procesador de pagos o el emisor de la tarjeta no permite la transacción. El tarjetahabiente debe usar otra tarjeta
10	Approved partial	El tarjetahabiente debe usar otra tarjeta de un emisor distinto
12	Invalid transaction	El tarjetahabiente solicitó cancelar la transacción
15	El emisor no puede autorizar esta transacción	El tarjetahabiente debe usar otra tarjeta
17	No such issuer	Al momento de realizar la transacción ocurrió un error de formato.
1A	Additional customer authentication required	El tarjetahabiente debe usar otra tarjeta para procesar la transacción y contactar al emisor de su tarjeta para que revise el caso
32	Expired card	El tarjetahabiente debe usar otra tarjeta para procesar la transacción y contactar al emisor de su tarjeta para que revise el caso
34	Suspected fraud	El tarjetahabiente debe usar otra tarjeta para procesar la transacción y contactar al emisor de su tarjeta para que revise el caso
35	Card acceptor contact acquirer	El tarjetahabiente debe usar otra tarjeta para procesar la transacción y contactar al emisor de su tarjeta para que revise el caso
37	Card acceptor call acquirer security	Usa otra tarjeta
39	No credit account	El tarjetahabiente debe usar otra tarjeta para procesar la transacción y contactar al emisor de su tarjeta para que revise el caso
41	Lost card	El tarjetahabiente debe contactar al emisor de su tarjeta para entender por qué se rechazó la transacción
51	Not sufficient funds	El tarjetahabiente debe usar otra tarjeta
54	Expired card	El tarjetahabiente debe usar otra tarjeta
57	Transaction not permitted to cardholder	El tarjetahabiente debe usar otra tarjeta para procesar la transacción y contactar al emisor de su tarjeta para que revise el caso
59	Suspected fraud	El emisor solicitó cambiar el PIN pero no se completó correctamente
61	Exceeds withdrawal amount limit	El tarjetahabiente debe usar otra tarjeta
62	Restricted card	El tarjetahabiente debe reintentar o usar otra tarjeta
6P	Verification data failed	El tarjetahabiente debe reintentar o usar otra tarjeta de un emisor distinto
75	Allowable number of PIN tries exceeded *	Contacta al emisor para más información
78	Invalid/nonexistent account specified (general)	La transacción se declinó porque se encontró una coincidencia con otra transacción anterior
80	No financial impact	El tarjetahabiente debe reintentar o usar otra tarjeta de un emisor distinto
81	Cryptographic error found in PIN (used for cryptographic error condition found by security module during PIN decryption)	El tarjetahabiente debe usar otra tarjeta
86	Cannot verify PIN; for instance, no PVV	Un mensaje de Visa que solicita autenticación adicional del tarjetahabiente
89	Unacceptable PIN— Transaction Declined— Retry	Reintenta la transacción
91	Authorization System or issuer system inoperative	Reintenta la transacción o usa otra tarjeta
92	Unable to route transaction
93	Transaction cannot be completed- violation of law.
U1	Security module parameter error

Códigos devueltos por Kushki en anulaciones e intentos de reverso

Los códigos de respuesta recibidos de procesadores y emisores aparecen en el objeto kushki_response, como en el siguiente ejemplo.

"kushki_response": {
        "code": "01",
        "message": "Refer to card issuer"
    },

En las columnas código y mensaje de la tabla siguiente se muestran el código y el mensaje que envía Kushki. En la columna ¿Qué hacer? te damos una explicación más detallada de las causas y del posible procedimiento a seguir.

A continuación se muestra un ejemplo de un mensaje devuelto por el API de Kushki:

código	mensaje	¿Qué hacer?
000	Transacción Aprobada.	Indica que la transacción fue aprobada correctamente.
01	Refer to card issuer	El tarjetahabiente debe contactar al emisor de su tarjeta para entender por qué se rechazó la transacción
04	Capture card	El tarjetahabiente debe reintentar la transacción
05	Do not honor	El tarjetahabiente debe reintentar la transacción
12	Invalid transaction	El procesador de pagos o el emisor de la tarjeta no permite la transacción. Contacta al emisor de la tarjeta
32	Expired card	El tarjetahabiente debe usar otra tarjeta
41	Lost card	El tarjetahabiente debe contactar al emisor de su tarjeta para que revise el caso
57	Transaction not permitted to cardholder	El tarjetahabiente debe contactar al emisor de su tarjeta para que revise el caso
62	Restricted card	El tarjetahabiente debe contactar al emisor de su tarjeta para que revise el caso
91	Authorization System or issuer system inoperative	The cardholder should retry the transation
92	Unable to route transaction	El tarjetahabiente debe reintentar o contactar al emisor
6P	Verification data failed	Reintenta la transacción
E016	Refund not available	Verifica que el reembolso esté dentro del periodo permitido

Catálogo de errores de Kushki para transacciones POS

Códigos de estado HTTP#

Códigos devueltos por Kushki en cargos POS#

Error 006#

Códigos devueltos por Kushki en anulaciones e intentos de reverso#

Códigos de estado HTTP

Códigos devueltos por Kushki en cargos POS

Error 006

Códigos devueltos por Kushki en anulaciones e intentos de reverso