15

Card BIN does not identify an issuer

The issuer identifier is invalid or cannot be recognized for routing.

Outcome: Declined
Code system: EBANX
Raw format: Two-character payment.transaction_status.iso_code

Operational context

No universal retry instruction encoded

EBANX wording mapped to the SchemeLens “Invalid issuer” concept.

Use the current scheme, provider, transaction, and advice-code rules; the raw response value alone may be insufficient for a retry decision.

Explicit mapping

SchemeLens concepts

These links are editorial mappings, not replacements for the raw source value. The relation shows how closely the wording aligns.

Normalized concepts mapped to EBANX response code 15
Concept	Relation	Mapping note
Invalid issuer	Direct semantic match	EBANX wording mapped to the SchemeLens “Invalid issuer” concept.

Namespace check

The same raw value exists elsewhere

Visa 15No such issuer
Mastercard 15Invalid issuer
UnionPay 15Issuer not found

Provenance

Sources used for this record

EBANX: ISO 8583 Response CodesOfficial for the issuer ISO code exposed by EBANX Pay-in in supported Latin American markets; not first-party scheme evidence.
Live Pay-in reference, verified 28 July 2026

SchemeLens keeps source wording, normalized concepts, and operational guidance separate so later evidence can be added without rewriting the raw record.