In payment systems, the response codes returned on transactions are critical for managing the actions that follow.
Have you ever wondered which error codes trigger card capture?
Under the ISO 8583 standard, a card capture message is sent for error codes 04, 07, 33, 34, 36, 38, 41 and 43. If the transaction is performed at an ATM, the card is captured by the ATM; if it is performed at a POS, this Decline - Capture Card message is printed on the transaction receipt.
| Error Code | POS SCREEN MESSAGE | DESCRIPTION |
| 04 | Decline - Capture Card | Transaction attempted with a card under legal collection proceedings |
| 07 | Decline - Capture Card | Stolen Card - Special Condition |
| 33 | Decline - Capture Card | Transaction attempted with an expired card |
| 34 | Decline - Capture Card | Transaction attempted with a counterfeit card |
| 36 | Decline - Capture Card | Restricted Card - Capture Card |
| 38 | Decline - Capture Card | Allowable pin tries exceeded |
| 41 | Decline - Capture Card | Transaction attempted with a lost card |
| 43 | Decline - Capture Card | Transaction attempted with a stolen card |
What should the cardholder do?
Once a card has been captured, the ATM will not return it. The customer should check the information displayed on the ATM or contact the bank's call center to find out what happened.
Reasons such as a lost or stolen report, or the card being under legal proceedings, each require different handling. The cardholder should therefore find out the reason for the capture from the bank, and either start a new card issuance process or clarify the outstanding debt situation.
At a POS, the card is not retained by the cashier; the cardholder should contact the bank based on the message printed on the receipt.