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SchemeLens

ISO 8583:1987 response code

15

No such issuer

Standard version
ISO 8583:1987
Paired version code
No direct pair assigned

In ISO 8583:1987, response code 15 means “No such 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 15
SchemeRaw codeSource descriptionEvidence
Visa15No such issuerOfficial
Mastercard15Invalid issuerOfficial, limited scope
American ExpressN/AN/AN/A
DiscoverN/AN/AN/A
UnionPay15Issuer not foundOfficial, limited scope

Standard sources

Version and response-name evidence