01 - Refer to card issuer

01 - Refer to card issuer

This indicates an error or problem from the card issuer. The problem may be related to the card holder's account. In general the reason for this response code may be any of the following:

  • Suspected Fraud
  • Insufficient Funds
  • Stolen Card
  • Expired Card
  • Invalid CVN
  • Any other rule imposed by the card issuer that causes a decline (e.g. daily limit exceeded, minimum monthly payment not made, duplicate transaction suspected, etc).

See also: Full List of Credit Card Response Codes