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self::ReferToCardIssuer => 'The issuing bank prevented the transaction.',
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self::InvalidMerchantNumber => 'Security violation (source is not correct issuer).',
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self::PickUpCard => 'The card has been designated as lost or stolen.',
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self::DoNotHonor => 'The issuing bank declined the transaction without an explanation.',
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self::GeneralError => 'The card issuer has declined the transaction as there is a problem with the card number.',
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self::InvalidTransaction => 'The bank has declined the transaction because of an invalid format or field. This indicates the card details were incorrect.',
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self::InvalidAmount => 'The card issuer has declined the transaction because of an invalid format or field.',
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self::InvalidCardNumber => 'The card issuer has declined the transaction as the credit card number is incorrectly entered or does not exist.',
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self::InvalidIssuer => 'The card issuer doesn\'t exist.',
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self::FormatError => 'The card issuer does not recognise the transaction details being entered. This is due to a format error.',
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self::LostCard => 'The card issuer has declined the transaction as the card has been reported lost.',
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self::StolenCard => 'The card has been designated as lost or stolen.',
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self::InsufficientFunds => 'The card has insufficient funds to cover the cost of the transaction.',
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self::ExpiredCard => 'The payment gateway declined the transaction because the expiration date is expired or does not match.',
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self::FunctionNotPermittedToCardholder => 'The card issuer has declined the transaction as the credit card cannot be used for this type of transaction.',
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self::FunctionNotPermittedToTerminal => 'The card issuer has declined the transaction as the credit card cannot be used for this type of transaction.',
self::RestrictedCard => 'The customer\'s bank has declined their card.',
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self::IssuerResponseSecurityViolation => 'Flag raised due to security validation problem.',
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self::SoftDecline => 'The issuer requests Strong Customer Authentication. The merchant should retry the transaction after successfully authenticating customer with 3DS first.',
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self::CallIssuer => 'Contact card issuer.',
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self::PinEntryTriesExceeded => 'Allowable number of PIN tries exceeded.',
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self::ToAccountIsInvalidOrNonExistent => 'Invalid OR non-existent \"to account\" specified.',
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self::SystemMalfunction => 'A temporary error occurred during the transaction.',
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self::GenericError => 'A temporary error occurred during the transaction.',
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self::SoftDecline2 => 'The issuer requests Strong Customer Authentication. The merchant should retry the transaction after successfully authenticating customer with 3DS first.',
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self::Undefined => 'Undefined.',
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self::Incomplete3dsFlow => 'Browser closed before authentication finished.',
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self::Failed3DSValidation => 'Wrong password or two-factor auth code entered.',
self::ReferToCardIssuer => 'The issuing bank prevented the transaction.',
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self::InvalidMerchantNumber => 'Security violation (source is not correct issuer).',
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+
self::PickUpCard => 'The card has been designated as lost or stolen.',
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self::DoNotHonor => 'The issuing bank declined the transaction without an explanation.',
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self::GeneralError => 'The card issuer has declined the transaction as there is a problem with the card number.',
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+
self::InvalidTransaction => 'The bank has declined the transaction because of an invalid format or field. This indicates the card details were incorrect.',
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self::InvalidAmount => 'The card issuer has declined the transaction because of an invalid format or field.',
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self::InvalidCardNumber => 'The card issuer has declined the transaction as the credit card number is incorrectly entered or does not exist.',
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self::InvalidIssuer => 'The card issuer doesn\'t exist.',
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self::FormatError => 'The card issuer does not recognise the transaction details being entered. This is due to a format error.',
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self::LostCard => 'The card issuer has declined the transaction as the card has been reported lost.',
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self::StolenCard => 'The card has been designated as lost or stolen.',
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self::InsufficientFunds => 'The card has insufficient funds to cover the cost of the transaction.',
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self::ExpiredCard => 'The payment gateway declined the transaction because the expiration date is expired or does not match.',
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self::FunctionNotPermittedToCardholder => 'The card issuer has declined the transaction as the credit card cannot be used for this type of transaction.',
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self::FunctionNotPermittedToTerminal => 'The card issuer has declined the transaction as the credit card cannot be used for this type of transaction.',
self::RestrictedCard => 'The customer\'s bank has declined their card.',
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self::IssuerResponseSecurityViolation => 'Flag raised due to security validation problem.',
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self::SoftDecline => 'The issuer requests Strong Customer Authentication. The merchant should retry the transaction after successfully authenticating customer with 3DS first.',
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self::CallIssuer => 'Contact card issuer.',
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self::PinEntryTriesExceeded => 'Allowable number of PIN tries exceeded.',
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self::ToAccountIsInvalidOrNonExistent => 'Invalid OR non-existent \"to account\" specified.',
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self::SystemMalfunction => 'A temporary error occurred during the transaction.',
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self::GenericError => 'A temporary error occurred during the transaction.',
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self::SoftDecline2 => 'The issuer requests Strong Customer Authentication. The merchant should retry the transaction after successfully authenticating customer with 3DS first.',
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