4600410123456789 Response code 00 Approved 4550120123456789 Response code 54 Expired card 4889780123456789 Response code 61 Limit exceeded 4415550123456789 Response code 51 Insufficient funds 4575550123456789 Response code 78 Refer to Issuer 4845550123456789 Response code 55 Invalid pin 4895550123456789 Response code 05 Please contact issuer 516363