{
"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" => "Mp savomgs accpimt.",
"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.",
"117" => "Invalid PIN.",
"119" => "Card member not enrolled.",
"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.",
"935" => "Invalid Device/App.",
"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.",
"960" => "Internal Key Database Error.",
"961" => "TRANS not Supported. Cash Disbursement required a specific MCC.",
"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?)."
}