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SchemeLens

ISO 8583:1987 response code

01

Refer to card issuer

Standard version
ISO 8583:1987
Paired version code
ISO 8583:1993 · 107

In ISO 8583:1987, response code 01 means “Refer to card issuer”. It is paired here with ISO 8583:1993 response code 107, “Refer to card issuer”. The reviewed dataset contains entries for Visa, Mastercard, and UnionPay; 2 of the five scheme columns remain N/A.

Merchant handling

Actions to be taken

Do not provide goods or services unless a later authorization is approved. Ask the cardholder to contact the issuer or use another payment method, following the acquirer’s procedure.

This is conservative merchant guidance derived from the published response meaning. Current scheme, acquirer, processor, merchant advice, and transaction-specific rules take precedence.

Scheme comparison

Descriptions in the reviewed sources

Each populated value links to its scheme record and preserves the raw code published by that source. N/A means no matching description exists in the reviewed public dataset.

Scheme descriptions compared with ISO 8583:1987 response code 01
SchemeRaw codeSource descriptionEvidence
Visa01Refer to card issuerOfficial
Mastercard01Refer to card issuerOfficial, limited scope
American ExpressN/AN/AN/A
DiscoverN/AN/AN/A
UnionPay01Contact the card issuerOfficial, limited scope

Standard sources

Version and response-name evidence