Home

    Stand-in Details

    These codes provide additional information to identify if a transaction was Stand-In by CardScheme, on behalf of the issuer.

    Applicable to Mastercard, Visa and Elo transactions and follow the DE card scheme as received:

    Master Credit: DE 121#

    When responded by the issuer, the value may contain the issuer's Mastercard ID.#

    CodeDescription
    000000Responded by the MIP X-Code system
    000001Responded by the Stand-In System
    000002Responded by an alternate host route of the issuer
    000003Refusal occurred due to a service on behalf
    000004Answered by Mastercard Rewards System

    ELO: DE 48 Tag *RSP#

    CodeDescription
    0Elo
    1Issuer
    2Stand-in Link
    3Aquila Link

    VISA#

    Position 1: DE 44.1 (Response Source/Reason Codes)#

    CodeDescription
    1Response provided by STIP because the request timed out by Switch
    2Response provided by STIP because the transaction amount is below the mobile dollar threshold or in response to a verification request.
    4Response provided by STIP because the issuer was not available for processing.
    5Response provided by the issuer.
    BSTIP-provided response: The transaction met the Visa Transaction Advisor Service criteria.
    CSTIP-provided response for conditions not listed.
    VAuthorization obtained via VisaNet (issuer or STIP response).

    Positions 2-5: DE 63.4 (STIP/switch reason codes)#

    CodeDescription
    9001Issuer is disconnected.
    9002Issuer has been disconnected by the switch.
    9011Line to issuer is down.
    9012Forced STIP due to original N0 (Force STIP) response from issuer.
    9020Issuer response timed out.
    9021Alternate PCR used for authentication target.
    9022PACM bypassed.
    9024Transaction declined due to Visa Payment Controls (VPC) rule.
    9025Declined by Selective Acceptance Service.
    9026Transaction reviewed by Visa Transaction Advisor Service: Additional authentication required.
    9027Declined by Token Provisioning Service.
    9030This transaction is an automatic CDB; there is a withdrawal response from the issuer.
    9031Original processed in substitute.
    9033Declined because the active account management limit was exceeded.
    9034Unable to deliver the response to the originator.
    9035Process recurring payment in STIP.
    9037Declined by Visa CTC (Consumer Transaction Controls) service.
    9038Return merchandise authorization processed in STIP.
    9041A PIN verification error occurred.
    9042Offline PIN authentication was interrupted.
    9045The switch was unable to translate the PIN.
    9047Declined by Real-Time Decision (RTD) processing.
    9048There is an invalid CVV with the All Respond option.
    9049Account Verification – Visa Verify only.
    9054Invalid CAM exists.
    9055Missing Merchant Program Identifier.
    9063Transaction declined, processing requirements not met.
    9064Transaction declined; invalid payment channel for card type.
    9091Financial Dispute.
    9095Issuer notification of token vault provisioned or status change.