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SchemeLens

ISO 8583:1993 response code

119

Transaction not permitted to cardholder

Standard version
ISO 8583:1993
Paired version code
ISO 8583:1987 · 57

In ISO 8583:1993, response code 119 means “Transaction not permitted to cardholder”. It is paired here with ISO 8583:1987 response code 57, “Transaction not permitted to cardholder”. All five reviewed scheme sources contain a corresponding entry on this comparison row.

Merchant handling

Actions to be taken

Do not complete the transaction. Ask for corrected payment details or another payment method, and submit a new authorization only when the cause has been resolved and the acquirer’s rules allow it.

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 8583:1993 response code 119
SchemeRaw codeSource descriptionEvidence
Visa57Transaction not permitted to cardholderOfficial
Mastercard57Transaction not permitted to issuer/cardholderOfficial, limited scope
American Express119Cardmember not enrolled / not permittedSecondary source
Discover57Transaction not permitted to issuer/cardholderSecondary source
UnionPay57Transaction not permitted to the cardholderOfficial, limited scope

Standard sources

Version and response-name evidence