Network Response Codes

For card-based payments, Beam surfaces the raw codes returned by the card network so you can understand the outcome of a transaction. These appear in the response payment method object (card, cardNetworkToken) when retrieving a charge or card authorization.

Note

Beam returns these codes on a best-effort basis — only when the underlying payment processor surfaces them from the card network. They may be absent for some transactions or processors.

Field	Description
`iso8583ResponseCode`	The response code from the card network indicating the transaction result. Uses ISO 8583:1987, e.g. `00` = approved.
`merchantAdviceCode`	Merchant Advice Code (MAC) — an alphanumeric code explaining why a transaction was declined and whether a retry is advisable. Supported by major networks such as Visa and Mastercard.
`networkTransactionId`	The NTI assigned by the card network. Returned on a CIT and reused to link MITs.

Example


{
  "chargeId": "ch_2xTsz7Qit55pahSvKfJG3UMkpFQ",
  "amount": 10000,
  "currency": "THB",
  "status": "FAILED",
  "failureCode": "CH_PROCESSING_FAILED",
  "referenceId": "order_190822",
  "paymentMethod": {
    "paymentMethodType": "CARD_TOKEN",
    "cardToken": {
      "brand": "MASTERCARD",
      "last4": "1111",
      "countryAlpha2": "TH",
      "networkTransactionId": "024042212345678",
      "iso8583ResponseCode": "51",
      "merchantAdviceCode": "02"
    }
  }
}

In the example above, the transaction was declined for insufficient funds (iso8583ResponseCode = 51) and the network advises retrying later (merchantAdviceCode = 02).