Direct Post API

Transaction Operations

Appendix 1
Direct Post API

AVS Response Codes

X Exact match, 9-character numeric ZIP
Y Exact match, 5-character numeric ZIP
D Exact match, 5-character numeric ZIP
M Exact match, 5-character numeric ZIP
A Address match only
B Address match only
W 9-character numeric ZIP match only
Z 5-character ZIP match only
P 5-character ZIP match only
L 5-character ZIP match only
N No address or ZIP match only
C No address or ZIP match only
U Address unavailable
G Non-U.S. issuer does not participate
I Non-U.S. issuer does not participate
R Issuer system unavailable
E Not a mail/phone order
S Service not supported
O AVS not available
B AVS not available

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Appendix 2
Direct Post API

CVV Response Codes

M CVV2/CVC2 match
N CVV2/CVC2 no match
P Not processed
S Merchant has indicated that CVV2/CVC2 is not present on card
U Issuer is not certified and/or has not provided Visa encryption keys

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Appendix 3
Direct Post API

Result Code Table

100 Transaction was approved.
200 Transaction was declined by processor.
201 Do not honor.
202 Insufficient funds.
203 Over limit.
204 Transaction not allowed.
220 Incorrect payment information.
221 No such card issuer.
222 No card number on file with issuer.
223 Expired card.
224 Invalid expiration date.
225 Invalid card security code.
240 Call issuer for further information.
250 Pick up card.
251 Lost card.
252 Stolen card.
253 Fraudulent card.
260 Declined with further instructions available. (See response text)
261 Declined-Stop all recurring payments.
262 Declined-Stop this recurring program.
263 Declined-Update cardholder data available.
264 Declined-Retry in a few days.
300 Transaction was rejected by gateway.
400 Transaction error returned by processor.
410 Invalid merchant configuration.
411 Merchant account is inactive.
420 Communication error.
421 Communication error with issuer.
430 Duplicate transaction at processor.
440 Processor format error.
441 Invalid transaction information.
460 Processor feature not available.
461 Unsupported card type.

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Apply for a Merchant Account Signup for the Payment Gateway

Retail & Internet Merchant Accounts

An Internet Merchant Account is sometimes referred to as a "MOTO" (Mail Order & Telephone Order) Account because they all require the ability to process a credit card payment when there is no physical credit card present to be swiped. A standard retail "swipe" merchant account does not allow processing of these "card-not-present" transactions.

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High Risk Merchant Accounts

If the domestic banks are denying your merchant application because they believe your industry is considered high risk, CyoGate can help! We have an offshore network of merchant processing partners that enable us to provide low cost, high risk merchant solutions to a much wider range of businesses and industries.

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Internet Payment Gateway

The CyoGate Internet Payment Gateway offers one of the quickest and most cost effective ways to accept and process credit card and electronic check payments online. Our payment gateway works with most existing merchant accounts and supports hundreds of popular web shopping carts and eCommerce platforms.

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