7b7c4f6f_various_Reason_Codes_indicate___Description
[Reason Code] 101 [Reply Flag (SCMP)] DMISSINGFIELD [Possible Action] See the reply fields missingField_0...N for which fields are invalid. Resend the request with the correct information. [Description] 
Declined - The request is missing one or more fields
CyberSource Support Center - What do the various Reason Codes indicate?
Description