For details on the response codes and other reference codes for the APIs, you may refer table below or download the Excel reference table at Reference Codes .
FPX #
Response Code Status 00 Approved 03 Invalid Merchant 05 Invalid Seller Or Acquiring Bank Code 09 Transaction Pending 12 Invalid Transaction 13 Invalid Amount 14 Invalid Buyer Account 1A Buyer Session Timeout At Internet Banking Login Page 1B Buyer Failed To Provide The Necessary Info To Login To Internet Banking Login Page 1C Buyer Choose Cancel At Login Page 1D Buyer Session Timeout At Account Selection Page 1E Buyer Failed To Provide The Necessary Info At Account Selection Page 1F Buyer Choose Cancel At Account Selection Page 1G Buyer Session Timeout At TAC Request Page 1H Buyer Failed To Provide The Necessary Info At TAC Request Page 1I Buyer Choose Cancel At TAC Request Page 1J Buyer Session Timeout At Confirmation Page 1K Buyer Failed To Provide The Necessary Info At Confirmation Page 1L Buyer Choose Cancel At Confirmation Page 1M Internet Banking Session Timeout 20 Invalid Response 2A Transaction Amount Is Lower Than Minimum Limit 2X Transaction Is Canceled By Merchant 30 Format Error 31 Invalid Bank 39 No Credit Account 45 Duplicate Seller Order Number 46 Invalid Seller Exchange Or Seller 47 Invalid Currency 48 Maximum Transaction Limit Exceeded 49 Merchant Specific Limit Exceeded 50 Invalid Seller for Merchant Specific Limit 51 Insufficient Funds 53 No Buyer Account Number 57 Transaction Not Permitted 58 Transaction To Merchant Not Permitted 70 Invalid Serial Number 76 Transaction Not Found 77 Invalid Buyer Name Or Buyer ID 78 Decryption Failed 79 Host Decline When Down 80 Buyer Cancel Transaction 83 Invalid Transaction Model 84 Invalid Transaction Type 85 Internal Error At Bank System 87 Debit Failed Exception Handling 88 Credit Failed Exception Handling 89 Transaction Not Received Exception Handling 90 Bank Internet Banking Unavailable 92 Invalid Buyer Bank 96 System Malfunction 98 MAC Error 99 Pending Authorization (Applicable for B2B model) BB Blocked Bank BC Transaction Cancelled by Customer DA Invalid Application Type DB Invalid Email Format DC Invalid Maximum Frequency DD Invalid Frequency Mode DE Invalid Expiry Date DF Invalid e-Mandate Buyer Bank ID FE Internal Error OE Transaction Rejected As Not In FPX Operating Hours OF Transaction Timeout SB Invalid Acquiring Bank Code XA Invalid Source IP Address (Applicable for B2B2 model) XB Invalid Seller Exchange IP XC Seller Exchange Encryption Error XE Invalid Message XF Invalid Number Of Orders XI Invalid Seller Exchange XM Invalid FPX Transaction Model XN Transaction Rejected Due To Duplicate Seller Exchange Order Number XO Duplicate Exchange Order Number XS Seller Does Not Belong To Exchange XT Invalid Transaction Type XW Seller Exchange Date Difference Exceeded
Card #
Note: This is applicable for one-time card payment, credit card instalment payment and auto debit (subscription payment).
Response Code Status 00 Approved 01 Refer To Issuer 02 Refer To Issuer, special condition 03 Invalid Merchant ID 04 Pick Up Card 05 Do Not Honour 06 Error 07 Pick Up Card, special condition 08 Check Signature/Id or Honor with ID 10 Partial Approval 11 VIP Approval 12 Invalid Transaction 13 Invalid Amount 14 Invalid Card No 15 Invalid Issuer 16 Approved to update track 3 (Reserved) 17 Customer Cancellation (Reversal only) 19 Re-enter Transaction 21 No Transactions 22 Related Transaction Error; Suspected Malfunction 23 Invalid/Unacceptable Transaction Fee 24 Invalid Currency Code 25 Terminated/Inactive card 30 Message Format Error 31 Bank ID Not Found 32 Partial Reversal 38 PIN Try Limit Exceeded 41 Card Reported Lost 43 Stolen Card 44 PIN Change Require 45 Card Not Activated For Use 51 Insufficient Fund 52 No Checking Account 53 No Savings Account 54 Expired Card 55 Invalid PIN 56 Invalid Card 57 Transaction Not Permitted to Cardholder 58 Transaction Not Permitted to Terminal 59 Suspected Fraud 61 Over Limit 62 Restricted Card 63 Security Violation 64 Transaction does not fulfill AML requirement 65 Exceeds Withdrawal Count Limit 68 Transaction timeout (No reply from acquirer) 70 Contact Card Issuer 71 PIN not changed 75 PIN Tries Exceeded 76 Invalid Description Code 77 Reconcile Error 78 Invalid Trace No 79 Batch Already Open 80 Invalid Batch No 83 Unable to verify PIN 85 Batch Not Found 86 PIN Validation Not Possible 87 Purchase Amount Only, No Cash Back Allowed 88 Cryptographic Failure, Call Issuer 89 Invalid Terminal ID 91 Issuer/Switch Inoperative 92 Destination Cannot Be Found for Routing 93 Transaction cannot be completed; violation of law 94 Duplicate Transaction 95 Total Mismatch 96 System Malfunction/Error 98 Issuer Response Not Receive by UnionPay 99 Declined N7 Decline for CVV2 failure P1 Failed 3D Authentication
GrabPay #
Response Code Status 00 success 01 failed 01 confirm_failed 01 consent_required 01 invalid_argument 01 invalid_request 01 mfa_not_completed 01 server_error 01 session_expired 02 cancelled 03 authorisation_declined 09 processing
TNGD #
Response Code Status 00 SUCCESS 01 FAILED 01 CLOSED 09 INIT
Shopee #
Response Code Status 00 Success 01 Failed 09 Processing
Riipay #
Response Code Status 00 Accepted 00 Success 01 Failed 01 Cancelled by Customer 01 Gateway Request Error 01 Not Found 01 Payment Failed 01 Too Many Requests 01 User Limit Exceeded
Split #
Response Code Status 00 approved 09 in_progress 12 failed
Batch (For Collection) #
Note: This is applicable batch collection status under subscription payments.
Response Code Status 00 Processed 01 Pending 02 Submitted 03 Expired 04 Retrying 05 Cancelled
BILLING (For Direct Debit) #
Response Code Status 00 Approved 01 INSUFFICIENT_FUNDS 02 ACCOUNT_CLOSED 03 NO_ACCOUNT 04 INVALID_ACCOUNT_NUMBER 05 WITHDRAWAL_FREQUENCY_EXCEEDED 06 RETURNED PER OFI’S REQUEST 07 AUTHORISATION REVOKED BY CUSTOME 08 PAYMENT STOPPED 09 WITHDRAWAL_LIMIT_EXCEEDED 10 CONSUMER ADVISE NOT AUTHORISED 11 MISMATCH ACCOUNT TYPE 14 ACCOUNT HOLDER DECEASED 15 BENEFICIARY DECEASED 16 ACCOUNT FROZEN 17 FILE RECORD EDIT CRITERIA 20 NON_TRANSACTION_ACCOUNT 21 INVALID COMPANY IDENTIFICATION 22 INVALID INDIVIDUAL ID NUMBER 23 CREDIT ENTRY REFUSED BY RECEIVER 24 DUPLICATE ENTRY 32 UNABLE_TO_PROCESS
ENRP #
Response Code Status 00 Approved 01 Signature Differ 02 Invalid Account Number 03 Signature Incomplete 04 Amendment Not Countersigned 05 Different Account Holder 06 Others 81 Missing Mandatory Fields 82 Invalid Data 83 Duplicated Form 84 Missing Signature 85 Unclear Image
Mandate #
Note: This is applicable for both direct debit and auto debit subscription payments.
Response Code Status Description 01 Draft Awaiting submission of mandate 02 Pending Authorization Awaiting customer’s authorization 03 Pending Approval Awaiting bank’s approval. Please wait 2 days for direct debit 04 Approved Mandate approved 05 Rejected Customer’s authorization was rejected 06 Terminated Mandate terminated 07 Expired Mandate expired
Note: Pending ” status includes pending authorization and pending approval. On merchant dashboard (under Auto Payment), when pending is selected at the filter, both “Pending Authorization ” and “Pending Approval ” will be displayed. BILLING response codesCard response codes 
