70

Contact card issuer

The response asks for issuer or acquirer referral rather than giving a normal approval.

Outcome: Declined
Code system: Mastercard
Raw format: Two-character DE 39 response code

Operational context

Evaluate the advice code

For merchant-initiated transactions, evaluate DE 39 together with DE 48.84 Merchant Advice Code. MAC 02 means wait 24 hours; MAC 03 or 21 means do not retry.

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 Mastercard response code 70
Concept	Relation	Mapping note
Refer to issuer	Close match	The same raw value means PIN data required in the Visa namespace; it must not be compared by value alone.

Namespace check

The same raw value exists elsewhere

Visa 70PIN data required
EBANX 70PIN entry is required

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.