| 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 |
| 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 |
| 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. |
Apply for a Merchant Account
Signup for the Payment Gateway
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.
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.
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.