On 17 October 2025, Visa will add response code 78 – Blocked, first used or special condition—new cardholder not activated or card is temporarily blocked to the list of permitted response codes for credit voucher and merchandise return authorization transactions. Please refer to the updated list below.
Table 1 –Visa Valid Card Issuer-Provided Approve Response Codes
Response Code |
Description |
00 |
Approved and completed successfully |
85 |
No reason to decline a request for address verification, CVV2 verification, or credit voucher or merchandise return |
N0 |
Force STIP |
Table 2 – Updated Visa Valid Card Issuer-Provided Decline Response Codes
Response Code |
Description |
03 |
Invalid merchant |
13 |
Invalid amount, or currency conversion field overflow |
14 |
Invalid account number |
46 |
Closed account |
571 |
Transaction not permitted to cardholder |
59 |
Suspected fraud |
782 |
Blocked, first used or special condition—new cardholder not activated or card is temporarily blocked |
93 |
Transaction cannot be completed—violation of law |
1. Applies only to non-reloadable prepaid cards that do not support credit transaction types, or certain healthcare-related prepaid products where transactions are restricted to certain merchant categories. Response code 57 is not valid for general credit or debit card transactions.
2. This is not a new response code; it already exists for other transactions, but it is now being leveraged for merchandise return and credit vouchers.
Published 15 September 2025 | P2025.0649