First Ride Risk

First Ride Risk (FRR) is a feature that addresses the liability for the first use of a payment credential that fails pre-authorization and might result in a refusal for travel. Use FRR to capture a transaction even when the pre-authorization fails. In this case, the merchant or acquirer assumes responsibility for the risk.

First Ride Risk Eligibility Reason Codes

When a failed pre-authorization returns one of these response codes in the processorInformation.responseCode field, the transaction is eligible for FRR and capture:

Response code	Description
`01`	Refer to card issuers.
`04`	Pick-up.
`05`	ID certification fails.
`12`	Invalid related transaction.
`13`	Invalid amount.
`14`	Invalid card number (no such account).
`21`	Card not initialized.
`22`	Suspected malfunction, related transaction error.
`34`	Fraud.
`38`	PIN try limit exceeded.
`40`	Function requested not supported.
`41`	Lost card.
`43`	Stolen card.
`57`	Transaction not allowed to be processed by cardholder.
`58`	Transaction not allowed to be processed by terminal.
`59`	Suspected fraud.
`62`	Restricted card.
`68`	Issuer response timeout.
`75`	Allowable number of PIN tries exceeded.
`90`	Cutoff is in progress.
`91`	Issuer cannot process.
`97`	ATM/POS terminal number cannot be located.
`98`	Issuer response not received.
`99`	PIN block error.
`1A`	The transaction requires additional customer authentication.
`A0`	MAC failed.
`N1`	Items not on Bankbook beyond limit, declined.
`P1`	Contact phone number of cardholder cannot be found in the issuer's system.

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Last published: September 29, 2026