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Response Code

Response Code Grouping

The response code grouping field (responseCodeGrouping) returned in sendbillpaymentadvice, dotransfer and Query Transaction response message represents the final status of the transaction.

Response Description

S/N Response Code Grouping Action
1 Successful No Action Required. Transaction successfully processed. Customer should expect value.
2 Failed Transaction failed. Funds should be reversed to the initiating customer.
3 Pending Transaction in Progress. Please re-query to confirm the actual status of the transaction.

Sample Response (Success – Bill Payment)

Sample Response (Success – Transfer)

Sample Response (Pending)

Response Code

Code Description Resolution
Success Response Codes
90010 Approved by Financial Institution, Partial The transaction has been completed successfully.
90011 Approved by Financial Institution, VIP The transaction has been completed successfully.
90016 Approved by Financial Institution, Update Track 3 The transaction has been completed successfully.
90000 Successful Transaction Successful

Failed Statuses

10002 Invalid Request Check your request xml to verify you are sending valid request xml.
10003 Unauthorized Please provide valid details and try again later. Please contact Interswitch.
10010 Partner not setup/Incorrect entity code The Institution/Biller/Entity Code in your request message has not been configured on Quick Teller.
10011 Service Method not found It simply means the api service endpoint name with Id returned has not been setup in DB via quickteller-paydirect console.
10020 Partner not properly configured Partner/Biller has not been properly configured on Quick Teller. Please contact Interswitch.
10021 Non bank partner account details not configured  
10022 Partner sponsor bank not properly configured  
10030 Partner deactivated Partner/Biller has been deactivated on Quick Teller. Please contact Interswitch.
10040 Wrong IP address  
10050 Session key invalid or not setup  
10060 Invalid encryption type  
10070 Could not retrieve RSA private key  
10080 Invalid session key length  
10081 Invalid session IV length  
10090 Cannot decrypt session key  
10091 Cannot decrypt session IV  
10100 Cannot retrieve partner security details  
10200 Disabled or deactivated via configuration  
20010 Xml Node Missing Something is missing in your request message. Please check the response xml.
20020 Xml Node Value Empty You have sent an empty xml node. Please check the response xml.
20021 TerminalId/ClientId TerminalId/ClientId is required
20030 Xml Node Value not valid Please check the response xml for the invalid value in your request message.
20040 Invalid data type, date expected You have sent an invalid date format, please check the request xml.
20041 Invalid data type, numeric expected You have sent an invalid data, please check the response xml.
20050 Message integrity validation failed Please check to correct your MAC and resend the transaction.
20060 Entity Location not enabled for cash payout Please other locations enabled for payout and resend transaction.
20061 Entity Location is Disabled Please contact Interswitch.
20062 Entity is Disabled Please contact Interswitch.
30010 Transaction not found The Transaction does not exist in Quick Teller. Please contact Interswitch.
30020 Duplicate Transfer Code The transfer code exists in Quick Teller, please try another transfer code.
30030 Bank authorization needed The transfer code exists in Quick Teller, please try another transfer code
40010 ATM cash out payments must be in multiples of 1000 Please change the amount to multiples of 1000 and resend the transaction.
40020 ATM cash out payment has exceeded the maximum allowed value Please try cash out the next day.
40030 Maximum Transfer Limit Exceeded  
40040 Non Standard Id Transfe Limit Exceeded  
40050 SVA Withdrawal Failed  
40060 Invalid Cancellation Request_Transfer 

 

 

Has Been Completed

 
40100 Failed Account Name Inquiry  
50010 Invalid cancellation request – Transfer has been completed You cannot cancel the transfer because it has been cashed out.
60001 User not found. The user does not exist in Quick Teller. Please contact Interswitch.
60002 Username and/or password incorrect Please provide correct username/ password and try again.
60003 Security token invalid or expired. Please use a valid or active security token.
60004 Login Problem  
60005 Invalid Current Password  
60010 Password does not meet complexity requirements. Please use a complex password and try again.
60011 Duplicate Username The username exists in Quick Teller, please try another username.
60012 Password does not meet history requirements Please try a password that meets history requirements or contact Interswitch.
60020 Invalid Activation Token Please use a valid or active activation token.
60021 Account Already Activated  
60022 Account Not Activated  
60023 Mobile Number Already Verified  
60030 Passwords do not match Please provide match passwords and try again.
60031 Password change failed Please provide match passwords and try again.
60038 Phone Number Already In Use by Another User  
60039 Different Phone Number Already Verified For User  
60040 No Pending Verification For User  
60041 Different Email Already Verified For 

 

 

User

 
60042 Email Already In Use By Another User  
60043 Data Security Violation  
60044 Referral Existing For User  
70003 Invalid Client Version Number  
70004 Terminal Version Mismatch  
70005 Empty Client Version Number  
70006 Invalid Terminal Version Number  
70007 Bank not enabled for transfer This means the bank has not been enabled as a transfer destination bank
70008 Biller Temporarily Not Available  
70009 Biller Already Exist For Paydirect 

 

 

Product

 
70010 Biller not found Please provide correct biller code in your request xml and try again.
70011 Unrecognized card Your card has not been configured on Interswitch Pay Direct. Please contact Interswitch.
70012 Unrecognized terminal owner Your terminal has not been configured on Quick Teller. Please contact Interswitch.
70013 Unrecognized customer The customer does not exist please try another. You can contact Interswitch if you think the customer is valid.
70014 Unrecognized payment channel The payment channel does not exist or is invalid, check this document for a valid payment channel code. You can contact Interswitch if you think the code is valid.
70015 Collections account not setup A collections account has not been setup. Please contact Interswitch.
70016 Collections account type not set The collections account type must be set, please check and try again. You can contact Interswitch if you have set the account type and still got this error.
70017 Payment type code not recognized You have supplied an invalid payment type code. Please check to correct and try again.
70116 Bills Stream Code Already Used  
70117 Customer Is Tied To Different Payment Item  
70018 Transaction Reference not found Please provide correct Transaction Reference in your request xml and try again.
70019 Failed to send payment downstream Please contact Interswitch.
70020 Collecting bank settings not configured Please contact Interswitch.
70021 Lead Bank not found or setup Please contact Interswitch.
70022 Advice previously received and processed successfully Try Query Transaction method to see the details of your transaction.
70023 Biller already associated with customer Please contact Interswitch.
70024 Application settings not found or configured properly Please contact Interswitch.
70025 Bank not setup or enabled for bill payment Please contact Interswitch.
70026 Biller not enabled for channel Please contact Interswitch.
70027 Bank not enabled for biller Please contact Interswitch.
70028 Terminal owner not enabled for biller Please contact Interswitch.
70029 Terminal owner not enabled for channel Please contact Interswitch.
70030 Terminal owner not setup or enabled for bill payment Please contact Interswitch.
70031 Unrecognized CBN Bank Code Please contact Interswitch.
70032 Certificate identity error Ensure the identity of your certificate is the same as the public key provided to Interswitch. If problem persist, please contact Interswitch.
70033 Certificate not recognised/setup in 

 

 

QuickTeller

Please contact Interswitch.
70034 Certificate terminal owner mismatch Please contact Interswitch.
70035 Access to method call is denied Please contact Interswitch.
70036 Terminal owner not associated with a funds transfer institution Please contact Interswitch.
70037 Fees not setup Please contact Interswitch.
70038 Data not found The data you queried for does not exist. Please check to confirm and try again or contact Interswitch.
70039 Transaction set not allowed Please contact Interswitch.
70040 Financial Transactional card has not been configured Please contact Interswitch.
70041 Expired Transaction Please contact Interswitch.
70042 Full Payment Please contact Interswitch.
70043 Amount Too Low  
70044 Amount Too High  
70045 Request time out Please retry again later.
70046 Invalid Request XML  
70047 Failed Additional Data Validation  
70048 Failed Pre Validation Check  
70049 Pan or Cbn Code Require On Inquiry  
70050 Terminal Owner Retail Pay Details Not Configured  
70051 Terminal Owner Retail Pay Master key Not Configured  
70052 RetailPay Invalid Login  
70053 RetailPay Invalid Request  
70054 RetailPay Host Unreachable  
70055 RetailPay Invalid Dealer Code  
70056 RetailPay Invalid Phone Number  
70057 RetailPay Out of Stock  
70058 RetailPay Invalid Product Code  
70059 RetailPay Failed  
70060 RetailPay Session Key Invalid  
70061 RetailPay Insufficent Funds  
70062 RetailPay Invalid Amount  
70063 RetailPay Bad Public Key  
70064 RetailPay Telco Timeout  
70065 InvalidAmount  
70066 InvalidMinimumAmount  
70067 InvalidGreaterThanMinimumAmount  
70068 InvalidMaximumAmount  
70069 InvalidLessThanMaximumAmount  
70070 InvalidExactAmount  
70071 InvalidCustomerId  
70128 Sva Terminal Owner Not Setup For 

 

 

Biller

 
70129 Terminal Owner Card Acceptor Id Not 

 

 

Configured

 
70130 Payment Amount Higher Than Due 

 

 

Amount

 
70131 Invalid Bank Account number Means the bank account is either invalid (i.e. contains special character like space, _, -, $ etc. ) or the account number is not a valid Nuban account number.
70132 Invalid Mobile Number It means the mobile number is not all digits i.e it contains special character like spaces, – etc.
71001 QtCheckout Invalid URL  
71002 QtCheckout Different Domain URL  
71003 QtCheckout Cancelled by User  
71004 QtCheckout Missing Client ID  
71005 QtCheckout Invalid Model  
71006 QtCheckout No Item For Payment 

 

 

Code

 
71007 QtCheckout No Biller For Payment 

 

 

Code

 
71008 QtCheckout Merchant Not Setup  
71009 QtCheckout Biller Not Enabled For 

 

 

Channel

 
71010 QtCheckout Redirect URL Not Valid  
71011 QtCheckout Invalid Entries  
71012 QtCheckout Quickteller Inquiry Failed  
71013 QtCheckout Invalid State Data  
71014 QtCheckout Passport Authorization 

 

 

Error

 
71015 QtCheckout Null Passport Model  
71016 QtCheckout Failed Webpay Transaction  
71017 QtCheckout Invalid Corrective Input  
72001 Promo Maximum Wins Exceeded For 

 

 

User

 
72002 Promo Maximum Wins Exeeded  
72003 Promo Data Not Found  
72004 Promo Item Not Found  
72005 Promo Request In Progress  
72006 Promo_Restricted  
73001 Payphone Failed To Get Card Details  
73002 Payphone Failed To Get ECash 

 

 

Balance

 
73003 Payphone Failed To Create ECash 

 

 

Account

 
73004 Payphone ECash Account Not Found 

 

 

For User

 
75064 Remittance Validation Error – Check Account Number  
75065 Remittance Validation Unknown Name Enquiry Error  
75066 Remittance Validation Amount Mismatch  
75067 Remittance Validation Sender Surname mismatch  
75068 Remittance Validation Receiver Firstname Mismatch  
75069 Remittance Validation Sender Surname mismatch  
75070 Remittance Validation Receiver Firstname Mismatch  
75071 Remittance Validation Sender Country 

 

 

Mismatch

 
75072 Remittance Validation Pickup Validation Error  
75073 Remittance Validation Pickup Receive 

 

 

Error

 
75074 Remittance Validation General Error Unknown Code Received  
75076 Remittance Validation Dormant Account  
75077 Remittance Validation General Error Invalid Channel Code  
75078 Remittance Validation General Error – 

 

 

Invalid Currency

 
78012 Remote Host Unreachable Or Network Problem  
78013 Advice Not Permitted To TermialOwner  
80010 Biller Verification_Not In PAYDirect  
80020 Biller Verification_In PAYDirect But NotQuickTeller  
80030 Schedule Verification_No Rows Found  
80031 Schedule Verification_Row Error 

 

 

Found

 
80032 Schedule Verification_Failed Schedule Exists  
80033 Schedule Verification_UnKnown Error  
90001 Session Key Missing  
70060 RetailPay Session Key Invalid  
70061 RetailPay Insufficent Funds  
70062 RetailPay Invalid Amount  
70063 RetailPay Bad Public Key  
70064 RetailPay Telco Timeout  
70065 InvalidAmount  
70066 InvalidMinimumAmount  
70067 InvalidGreaterThanMinimumAmount  
70068 InvalidMaximumAmount  
70069 InvalidLessThanMaximumAmount  
70070 InvalidExactAmount  
70071 InvalidCustomerId  
70128 Sva Terminal Owner Not Setup For 

 

 

Biller

 
70129 Terminal Owner Card Acceptor Id Not 

 

 

Configured

 
70130 Payment Amount Higher Than Due 

 

 

Amount

 
70131 Invalid Bank Account number Means the bank account is either invalid (i.e. contains special character like space, _, -, $ etc. ) or the account number is not a valid Nuban account number.
70132 Invalid Mobile Number It means the mobile number is not all digits i.e it contains special character like spaces, – etc.
71001 QtCheckout Invalid URL  
71002 QtCheckout Different Domain URL  
71003 QtCheckout Cancelled by User  
71004 QtCheckout Missing Client ID  
71005 QtCheckout Invalid Model  
71006 QtCheckout No Item For Payment 

 

 

Code

 
71007 QtCheckout No Biller For Payment 

 

 

Code

 
71008 QtCheckout Merchant Not Setup  
71009 QtCheckout Biller Not Enabled For 

 

 

Channel

 
71010 QtCheckout Redirect URL Not Valid  
71011 QtCheckout Invalid Entries  
71012 QtCheckout Quickteller Inquiry Failed  
71013 QtCheckout Invalid State Data  
71014 QtCheckout Passport Authorization 

 

 

Error

 
71015 QtCheckout Null Passport Model  
71016 QtCheckout Failed Webpay Transaction  
71017 QtCheckout Invalid Corrective Input  
72001 Promo Maximum Wins Exceeded For 

 

 

User

 
72002 Promo Maximum Wins Exeeded  
72003 Promo Data Not Found  
72004 Promo Item Not Found  
72005 Promo Request In Progress  
72006 Promo_Restricted  
73001 Payphone Failed To Get Card Details  
73002 Payphone Failed To Get ECash 

 

 

Balance

 
73003 Payphone Failed To Create ECash 

 

 

Account

 
73004 Payphone ECash Account Not Found 

 

 

For User

 
75064 Remittance Validation Error – Check Account Number  
75065 Remittance Validation Unknown Name Enquiry Error  
75066 Remittance Validation Amount Mismatch  
75067 Remittance Validation Sender Surname mismatch  
75068 Remittance Validation Receiver Firstname Mismatch  
75069 Remittance Validation Sender Surname mismatch  
75070 Remittance Validation Receiver Firstname Mismatch  
75071 Remittance Validation Sender Country 

 

 

Mismatch

 
75072 Remittance Validation Pickup Validation Error  
75073 Remittance Validation Pickup Receive 

 

 

Error

 
75074 Remittance Validation General Error Unknown Code Received  
75076 Remittance Validation Dormant Account  
75077 Remittance Validation General Error Invalid Channel Code  
75078 Remittance Validation General Error – 

 

 

Invalid Currency

 
78012 Remote Host Unreachable Or Network Problem  
78013 Advice Not Permitted To TermialOwner  
80010 Biller Verification_Not In PAYDirect  
80020 Biller Verification_In PAYDirect But NotQuickTeller  
80030 Schedule Verification_No Rows Found  
80031 Schedule Verification_Row Error 

 

 

Found

 
80032 Schedule Verification_Failed Schedule Exists  
80033 Schedule Verification_UnKnown Error  
90001 Refer to Issuer Declined by your card bank
90002 Refer to Financial Institution, Special Condition Please try again later.
90005 Do not honor  
90006/06 Error  
90012 Invalid Transaction If this is your first time, you may have to change your PIN.
90013 Invalid Amount Please supply valid amount and try again.
90014 Invalid Card Number Please supply valid card number and try again.
90015 No Such Financial Institution Please supply an existing/valid financial institution and try again.
90017 Customer Cancellation Please contact Interswitch.
90018 Customer Dispute Please contact Interswitch.
90019 Re-enter Transaction Please try again later.
90020 Invalid Response from Financial 

 

 

Institution

Please contact the financial institution.
90021 No Action Taken by Financial 

 

 

Institution

Please contact the financial institution or Interswitch.
90022 Suspected Malfunction Try again later. If the error persists, please contact Interswitch.
90023 Unacceptable Transaction Fee Please supply an acceptable transaction fee and try again.
90024 File Update not Supported This feature is not supported. Please contact Interswitch.
90025/25 Unable to Locate Record Record does not exist. You may contact Interswitch.
90026 Duplicate Record Please try again with a new record.
90027 File Update Field Edit Error Please rectify the error and try again. If the error persists, please contact Interswitch.
90028 File Update File Locked Please try again later with a new record. Please contact Interswitch.
90029 File Update Failed Please contact Interswitch.
90030 Format Error Please change the format or contact Interswitch.
90031 Bank Not Supported Please contact the bank or Interswitch.
90032 Completed Partially by Financial 

 

 

Institution

Please contact the bank or Interswitch.
90033 Expired Card, Pick-Up Please contact your bank.
90034 Suspected Fraud, Pick-Up Please contact your bank.
90035 Contact Acquirer, Pick-Up Please contact your bank.
90036 Restricted Card, Pick-Up Please contact your bank.
90037 Call Acquirer Security, Pick-Up Please contact your bank.
90038 PIN Tries Exceeded, Pick-Up Please contact your bank.
90039 No Credit Account Please contact your bank.
90040 Function not Supported Please contact your bank or Interswitch.
80032 Schedule Verification_Failed Schedule Exists  
80033 Schedule Verification_UnKnown Error  
90041 Lost Card, Pick-Up Please contact your bank.
90042 No Universal Account Please try again with a valid account or contact your bank.
90043 Stolen Card, Pick-Up Please contact your bank
90044 No Investment Account Please try again with a valid account or contact your bank.
90051 Insufficient Funds Please contact your bank.
90052 No Check Account Please try again with a valid account or contact your bank.
90053 No Savings Account Please try again with a valid account or contact your bank.
90054 Expired Card Please contact your bank.
90055 Incorrect PIN lease try again with correct PIN.
90056 No Card Record Please try again with a valid card or contact your bank.
90057 Transaction not Permitted to Cardholder Please contact your bank
90058 Transaction not Permitted on Terminal Please contact Interswitch.
90059 Suspected Fraud Please contact your bank.
90060 Contact Acquirer Your transaction has been declined by your bank. Please contact your bank.
90061 Exceeds Withdrawal Limit Please contact your bank.
90062 Restricted Card Please contact your bank.
90063 Security Violation Please contact your bank.
90064 Original Amount Incorrect Please enter correct original amount and try again.
90065 Exceeds withdrawal frequency Please try again later or contact your bank.
90066 Call Acquirer Security Please contact the Acquirer or Interswitch.
90067 Hard Capture Please contact Interswitch.
90068 Response Received Too Late Please try again later or contact your bank.
90075 PIN tries exceeded Please contact your bank.
90076 Reserved for Future Postilion Use Please contact Interswitch.
90077 Intervene, Bank Approval Required Please contact the bank.
90078 Intervene, Bank Approval Required for 

 

 

Partial Amount

Please contact the bank
90083 FAILED Please try again, if the problem persist contact Interswitch.
90090 Cut-off in Progress The financial Institution is not available, please try again later.
90091/91 Issuer or Switch Inoperative Please contact the bank, Telco or Interswitch.
90092 Routing Error Please contact Interswitch.
90093 Violation of law Please contact Interswitch.
90094 Duplicate Transaction You have sent this transaction before, please send a new transaction.
90095 Reconcile Error Please contact Interswitch.
90096 System Malfunction Please try again, if the problem persist contact Interswitch.
90097 FAILED Please try again, if the problem persist contact Interswitch.
90098 Exceeds Cash Limit Please contact your bank.
90099
Transaction failed 
Please try again later.
900A5 Contract phone number recharge is not allowed Please try again with a non-contract phone number or contact the Telco.
900A6 The phone number you have supplied is inactive. Please try again with an active phone number or contact the Telco.
900A7 The phone number you have supplied has been barred. Please try again with an unbarred phone number or contact the Telco.
900A8 There is no voucher of the requested denomination. Please try again with a valid voucher denomination.
900A9 The phone number or smart card number you have supplied is invalid. Please try again with a valid phone number or smart card number.
E16/90E16 The service you have specified is not available Please contact Interswitch
E19/90E19 Unable to process request at this time. Please contact Interswitch
E26/90E26 System Malfunction Please contact Interswitch
G3 Account is dormant Please contact Interswitch
F5 Invalid Credit Account/Scheme type is not valid Please contact Interswitch
J3 Transfer currency mismatch Please contact Interswitch
G2 Cr Foracid has Credit OR Total Freeze Please contact Interswitch

Exception / Pending Response Codes

10001 Unexpected error

Check to see if you have sent a duplicate request reference id in the request xml. If you have not sent a duplicate request reference, Query for the transaction using the Query Transaction method to get the final status.

Re-query at an interval of 1 hour. Re-query for 24hrs

 

 

after which Interswitch can be contacted to confirm status of transaction if response code remains unchanged contact the Help Portal; help@interswitchgroup.com to get a confirmation on the actual status of the transaction.”

10005 Empty response received from remote host
Transaction should be treated as pending, query the web service to get the updated status. Re-query at an interval of 1 hour. Re-query for 24hrs.

 

However, if the response code returned after querying is 10005, you may contact Interswitch through the
Help Portal; help@interswitchgroup.com to get a confirmation on the actual status of the transaction.

90009

Request in progress

 
Transaction should be treated as pending. This response code indicates that a response is yet to be received from the TELCO. A very high percentage of transactions with 90009 end up being successful. As a result customers’ funds should not be reversed. 

 

 

Query the web service to get the updated status. Re-query at an interval of 1 hour. Re-query for 24hrs.

However, if the response code returned after querying is 90009, you may contact Interswitch through the

Help Portal; help@interswitchgroup.com to get a confirmation on the actual status of the transaction.

 

Q9, Q5, Q6, Q4, Q2, Q7, Q1, Q3, 900Q1, 900Q3, 900Q5, 900Q6, 900Q7, 900Q9

Pending transaction
Transaction should be treated as pending, query the web service to get the updated status. Re-query at an interval of 1 hour. Re-query for 24hrs.

 

However, if the response code returned after querying is any of Q9, Q5, Q6, Q4, Q2, Q7, Q1, Q3,900Q***, you may contact Interswitch through the
Help Portal; help@interswitchgroup.com to get a confirmation on the actual status of the transaction.

900A0 Unknown Error This is not an actual failure; hence funds should not be returned to the customer. 

 

 

Query the web service to get the updated status. Re-query at an interval of 1 hour. Re-query for 24hrs.

However, if the response code returned after querying is 900A0, you may contact Interswitch through the

Help Portal; help@interswitchgroup.com to get a confirmation on the actual status of the transaction.

E18/90E18 Unable to process the request at this time or a timeout occurred. Please try again Kindly perform a QueryTransaction to get the updated status. Re-query at an interval of 1 hour. Re-query for 24hrs. However, if no definite response is returned after querying, you may contact Interswitch through the Help Portal; help@interswitchgroup.com to get a confirmation on the actual status of the transaction.
General Timeout 

 

 

(Socket Timeout,

IO exceptions,

network

timeouts)

Timeout may still translate as 

 

 

successful transaction,

therefore customers’ funds

should not be refunded until

final status has been

confirmed.

Query the web service to get the updated status. Re-query at an interval of 1 hour. Re-query for 24hrs.

However, if no definite response is returned after querying , you may contact Interswitch through the

Help Portal; help@interswitchgroup.com to get a confirmation on the actual status of the transaction.

 
 
 
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