Converge response codes: approval, decline, CVV2, AVS and settlement
Every Converge authorization comes back with a short code and message: AA means approved, N7 means declined because the CVV2 security code didn’t match (a CVV2 failure), NC means pick up the card, and ND covers the other declines. When the sale includes the billing address or the card’s security code (CVV2), you also get a one-letter address verification (AVS) or CVV2 result.
On this page
For Elavon’s full and current list, see Elavon’s Converge response codes page.
What does my authorization response code mean?
These come back when you run a sale or authorization.
| Code | Message | What it means |
|---|---|---|
| AA | Approval | The sale was approved. |
| AA | Approval Partial | Only part of the amount was approved. |
| N7 | Decline CVV2 | Declined because the CVV2 (security code) didn’t match or couldn’t be checked. |
| NC | Pick Up Card | The card has been taken out of circulation, for example reported stolen. |
| ND | Amount Error | Something is wrong with the transaction amount. |
| ND | Amt Over Svc Lmt | The amount is higher than the service limit set up on your account. |
| ND | Appl Type Error | Call for help. |
| ND | Cannot Convert | The check is OK but can’t be converted, so it is declined (Do Not Honor). |
| ND | Declined | The card issuer declined the transaction (Do Not Honor). |
| ND | Dup Check NBR | The check number is a duplicate. |
| ND | Expired Card | The card is expired. |
| ND | Invalid Card | The card number isn’t valid. |
| ND | Invalid Term ID | The terminal ID isn’t valid. |
| ND | Invalid R/T NBR | The routing/transit number isn’t valid. |
| ND | Invalid Void Data | The details sent with the void were not valid. |
| ND | Max Monthly Vol | Your account has reached its maximum monthly volume. |
| ND | Must Settle MMDD | The open batch is more than 7 days old and must be settled. A batch is auto-settled after 10 days. |
| ND | Network Error | A general system error. |
| ND | Please Retry | Re-enter and resend the transaction. |
| ND | Serv Not Allowed | The request isn’t allowed, for example that card type isn’t enabled on your account. |
| ND | Too Many Checks | The check limit has been reached. |
| ND | Call Auth Center | You need to call the authorization centre to process this transaction. |
What does a CVV2 response mean?
You get one of these when the transaction included the card’s security code (CVV2).
| Code | What it means |
|---|---|
| M | The CVV2 matched. |
| N | The CVV2 did not match. |
| P | The CVV2 was not processed. |
| S | The issuer says the card should have a CVV2, but the merchant has indicated that the CVV2 is not present on the card. |
| U | The issuer isn’t certified for CVV2, or hasn’t given Visa the keys needed to check it. |
What does an AVS response mean?
You get one of these when the transaction included the billing address or ZIP/postal code.
| Code | What it means |
|---|---|
| A | Street address matches; ZIP/postal code does not. |
| B | Street address matches; postal code is in the wrong format (international issuer). |
| C | Street address and postal code are both in the wrong format. |
| D | Street address and postal code match (international issuer). |
| E | AVS error. |
| F | Address and five-digit ZIP code match (UK only). |
| G | A non-US issuer doesn’t support the service. |
| I | An international issuer did not verify the address. |
| M | Street address and postal code match (international issuer). |
| N | Neither the street address nor the ZIP code matches. |
| O | No response was sent. |
| P | Postal code matches; street address not checked because the formats don’t match. |
| R | System unavailable or timed out. Retry. |
| S | The issuer doesn’t support the service. |
| U | Address information isn’t available. |
| W | Nine-digit ZIP matches; street address doesn’t. |
| X | Exact match on address and ZIP. |
| Y | Street address and five-digit ZIP match. |
| Z | Five-digit ZIP matches; street address doesn’t. |
What do gift card (EGC) response codes mean?
| Code | Message | What it means |
|---|---|---|
| AA | Approval | Approved. |
| ND | Serv Not Allowed | The request isn’t allowed. |
| ND | Invalid Term ID 1 | The merchant number isn’t valid. |
| ND | Seq Err Pls Call | Call for help. |
| ND | Appl Type Error | Call for help. |
| 01 | Declined- help 9999 | The host is busy. |
| 02 | Invalid Card | The card isn’t valid. |
| 03 | Invalid Termi ID | The terminal ID isn’t valid. |
| 04 | Amount Error | Something is wrong with the amount. |
| 05 | Already Active | The card is already active. |
| 06 | Req Exceeds Bal | The request is more than the card balance. |
| 07 | Max Reached | The amount can’t be loaded onto the card. |
| 08 | Non Reloadable | This card can’t be reloaded. |
| 09 | Tran Not Allowed | This transaction type isn’t allowed. |
| 10 | Invld Tran Type | This transaction type isn’t set up on the server. |
| 11 | Expired Card | The card is expired, or the expiry date is wrong. |
| 12 | Card Not Active | The gift card hasn’t been activated. |
| 13 | Duplicate Tran | This looks like a duplicate transaction. |
| 14 | Seq Err Pls Call | Call for help. |
| 15 | Seq Err Pls Call | The sequence doesn’t match the previous response. |
| 16 | Invalid Batch ID | The batch ID isn’t on the server. |
| 17 | Invalid Tender | The tender type isn’t on the server. |
| 99 | Decliend -Help 9999 | A general system error. |
What does RBOUT OF BALANCE or another settlement response mean?
These come back when you settle (close) a batch.
| Response | What it means |
|---|---|
| GBOK BBBMMDDHHMM | Good batch: settlement was received. BBB is the batch number (001 to 999), MMDD the month and day, HHMM the time of settlement. |
| INVALID TERM ID | The network doesn’t have this terminal ID on file. |
| INVLD CARD 9999 | The card type for the item number shown isn’t authorized for settlement. |
| INVLD DATA 9999 | A transaction amount isn’t valid. |
| PLEASE RETRY 9999 | The system failed. Try settling again. |
| RB INV ACCT 9999 | The record for the item number shown isn’t valid. |
| RBOUT OF BALANCE | The batch was rejected because its item count and dollar totals don’t match the totals sent to close it. |
| RB INVLD AMT 9999 | A transaction amount isn’t valid. |
| SERV NOT ALLOWED | The merchant account isn’t set up for settlement. |
| UNREC CARD 9999 | The card type for the item number shown isn’t recognized. |
Common questions
What does “CVV2 mismatch” or “Decline CVV2” mean?
The security code entered didn’t match the one the issuer has, so the card was declined (code N7).
What does “RBOUT OF BALANCE” mean?
RB means the batch was rejected. The number of items and the dollar total in the batch don’t match the totals sent to close it. If you need help with it, contact Cartis support at 1-888-712-0770 or support@cartispayments.com.
What does “Must Settle MMDD” mean?
Your open batch is more than 7 days old, so settle it now. MMDD is a month and day.
I got a code that isn’t listed here. What should I do?
Check Elavon’s response codes page, or contact Cartis support at 1-888-712-0770 or support@cartispayments.com.
Updated November 2, 2026
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