{
'000' => 'Approved.',
'001' => 'Refer to card issuer.',
'002' => 'Refer to card issuer, special condition.',
'003' => 'Invalid merchant or service provider.',
'004' => 'Pick up card.',
'005' => 'Do not honor.',
'006' => 'Error.',
'007' => 'Pick up card, special condition.',
'008' => 'Honor with ID (Show ID).',
'010' => 'Partial approval.',
'011' => 'VIP approval.',
'012' => 'Invalid transaction.',
'013' => 'Invalid amount or exceeds maximum for card program.',
'014' => 'Invalid account number (no such number).',
'015' => 'No such issuer.',
'019' => 'Re-enter Transaction.',
'021' => 'No action taken (unable to back out prior transaction).',
'025' => 'Transaction Not Found.',
'027' => 'File update field edit error.',
'028' => 'File is temporarily unavailable.',
'030' => 'Format error.',
'039' => 'No credit account.',
'041' => 'Pick up card (lost card).',
'043' => 'Pick up card (stolen card).',
'051' => 'Insufficient funds.',
'052' => 'No checking account.',
'053' => 'No savings account.',
'054' => 'Expired Card.',
'055' => 'Incorrect PIN.',
'057' => 'Transaction not permitted to cardholder.',
'058' => 'Transaction not allowed at terminal.',
'061' => 'Exceeds withdrawal limit.',
'062' => 'Restricted card (eg, Country Exclusion).',
'063' => 'Security violation.',
'065' => 'Activity count limit exceeded.',
'068' => 'Response late.',
'070' => 'Contact card issuer.',
'071' => 'PIN not changed.',
'075' => 'Allowable number of PIN-entry tries exceeded.',
'076' => 'Unable to locate previous message (no matching retrieval reference number).',
'077' => 'Repeat or reversal data are inconsistent with original message.',
'078' => 'Blocked (first use), or non-existent account.',
'079' => 'Key exchange validation failed.',
'080' => 'Credit issuer unavailable or invalid date.',
'081' => 'PIN cryptographic error found.',
'082' => 'Negative online CVV results.',
'084' => 'Invalid auth life cycle.',
'085' => 'No reason to decline - CVV or AVS approved.',
'086' => 'Cannot verify PIN.',
'087' => 'Cashback not allowed.',
'089' => 'Issuer Down.',
'091' => 'Issuer Down.',
'092' => 'Unable to route transaction.',
'093' => 'Transaction cannot be completed - violation of law.',
'094' => 'Duplicate transmission.',
'096' => 'System error.',
'100' => 'Deny.',
'101' => 'Expired Card.',
'103' => 'Deny - Invalid manual Entry 4DBC.',
'104' => 'Deny - New card issued.',
'105' => 'Deny - Account Cancelled.',
'106' => 'Exceeded PIN Attempts.',
'107' => 'Please Call Issuer.',
'109' => 'Invalid merchant.',
'110' => 'Invalid amount.',
'111' => 'Invalid account.',
'115' => 'Service not permitted.',
'122' => 'Invalid card (CID) security code.',
'125' => 'Invalid effective date.',
'181' => 'Format error.',
'182' => 'Please wait.',
'183' => 'Invalid currency code.',
'187' => 'Deny - new card issued.',
'188' => 'Deny - Expiration date required.',
'189' => 'Deny - Cancelled or Closed Merchant/SE.',
'200' => 'Deny - Pick up card.',
'400' => 'Reversal accepted.',
'601' => 'Reject - EMV Chip Declined Transaction.',
'602' => 'Reject - Suspected Fraud.',
'603' => 'Reject - Communications Error.',
'604' => 'Reject - Insufficient Approval.',
'750' => 'Velocity Check Fail.',
'899' => 'Misc Decline.',
'900' => 'Invalid Message Type.',
'901' => 'Invalid Merchant ID.',
'903' => 'Debit not supported.',
'904' => 'Private label not supported.',
'905' => 'Invalid card type.',
'906' => 'Unit not active.',
'908' => 'Manual card entry invalid.',
'909' => 'Invalid track information.',
'911' => 'Master merchant not found.',
'912' => 'Invalid card format.',
'913' => 'Invalid card type.',
'914' => 'Invalid card length.',
'917' => 'Expired card.',
'919' => 'Invalid entry type.',
'920' => 'Invalid amount.',
'921' => 'Invalid messge format.',
'923' => 'Invalid ABA.',
'924' => 'Invalid DDA.',
'925' => 'Invalid TID.',
'926' => 'Invalid Password.',
'930' => 'Invalid zipcode.',
'931' => 'Invalid Address.',
'932' => 'Invalid ZIP and Address.',
'933' => 'Invalid CVV2.',
'934' => 'Program Not Allowed.',
'940' => 'Record Not Found.',
'941' => 'Merchant ID error.',
'942' => 'Refund Not Allowed.',
'943' => 'Refund denied.',
'955' => 'Invalid PIN block.',
'956' => 'Invalid KSN.',
'958' => 'Bad Status.',
'959' => 'Seek Record limit exceeded.',
'962' => 'Invalid PIN key (Unknown KSN).',
'981' => 'Invalid AVS.',
'987' => 'Issuer Unavailable.',
'988' => 'System error SD.',
'989' => 'Database Error.',
'992' => 'Transaction Timeout.',
'996' => 'Bad Terminal ID.',
'997' => 'Message rejected by association.',
'999' => 'Communication failure',
nil => 'No response returned (missing credentials?).'
}