Payment Processor Error Messages

Owned by Stephen Jennings (Unlicensed)
Last updated: Nov 12, 2020 by Jason Epp
2 min read

Below are some of the error messages that payment processors may return. (These messages are returned by the processor, not by Order Entry.) The processor messages display on the app screen and within the Mercury.log file from Order Entry. 

Refer to the attached Mercury Error Messages PDF (at bottom) for a complete list of Mercury processor messages.  

Mercury Payment Systems

ValueDescription
DECLINEAuthorization was declined based on issuing bank response. Card brand regulations stipulate that declines should not be re-attempted but should be followed-up with a request for a second form of payment.

CALL ND Referrals
CALL AE Referrals
CALL Discover Referrals

Issuer has placed a notice on the card and requests the merchant to call for a Voice Authorization.
PIC UPAuthorization Declined; authorization network requests picking up the card and reporting. See card brand regulations for details and appropriate action.
DECLINED-CV2 FAIL
INVLD CID		Card brand response for CVV2 mismatch.
INVALID EXP DATEExpiration date entered is incorrect, invalid or no longer current.
NO TRAN FOUNDFailed Reversal attempt.
INV ITEM NUMBERTypically triggered by an invalid RefNo used in VoidSales or an Adjust.

Mercury: XML Transaction Response Details (PDF)

FDMS (First Data)

ValueDescription 
REV OUTSIDE WIN

Reversal Outside Window:

Reversal transaction was received, but the original matching authorization request was processed more than 25 minutes ago and is no longer eligible to be reversed. (Applicable to Credit Host Capture only)

If the POS has received a RW response (25 minutes after the original Authorization), the transaction cannot be reversed (voided). The Merchant must issue a refund.

Action: If possible and the card can be present, run a general refund for the amount or contact the processor for reversing the charges.


Note: This is a First Datawire Nashville process to prevent fraud, were they run a process called "Sweeps" that is used to clear off the data for authorizations. This can cause an Added Tip fail, if the authorization was more than 25 min earlier.




Reference: https://support.gingrapp.com/hc/en-us/articles/360004755531-Credit-Card-Error-Codes