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SchemeLens

ISO 8583:1987 response code

80

Visa transactions: credit issuer unavailable

Standard version
ISO 8583:1987
Paired version code
ISO 8583:1993 · 912

In ISO 8583:1987, response code 80 means “Visa transactions: credit issuer unavailable”. It is paired here with ISO 8583:1993 response code 912, “Card issuer unavailable”. The reviewed dataset contains an entry for American Express; 4 of the five scheme columns remain N/A.

Merchant handling

Actions to be taken

Do not assume approval. Check the existing transaction status before correcting the request or retrying, so a late response does not create a duplicate authorization.

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 80
SchemeRaw codeSource descriptionEvidence
VisaN/AN/AN/A
MastercardN/AN/AN/A
American Express912Issuer not availableSecondary source
DiscoverN/AN/AN/A
UnionPayN/AN/AN/A

Standard sources

Version and response-name evidence