Scheme code system · Mastercard
Official, limited scope15
Invalid issuer
The issuer identifier is invalid or cannot be recognized for routing.
- Outcome
- Declined
- Code system
- Mastercard
- Raw format
- Two-character DE 39 response code
Operational context
Do not resubmit the same CNP transaction
For a card-not-present transaction, Mastercard prohibits another authorization for the same transaction with the same PAN and expiration date.
Explicit mapping
SchemeLens concepts
These links are editorial mappings, not replacements for the raw source value. The relation shows how closely the wording aligns.
| Concept | Relation | Mapping note |
|---|---|---|
| Invalid issuer | Direct semantic match | Mastercard wording mapped to the SchemeLens “Invalid issuer” concept. |
Namespace check
The same raw value exists elsewhere
- Visa 15No such issuer
- UnionPay 15Issuer not found
- EBANX 15Card BIN does not identify an issuer
Provenance
Sources used for this record
- Mastercard: Transaction Processing RulesOfficial source for published DE 39 values and selected Merchant Advice Code rules; not a complete public technical specification.9 December 2025
SchemeLens keeps source wording, normalized concepts, and operational guidance separate so later evidence can be added without rewriting the raw record.