Response Codes

Response Code Response Text Description
0 TRANSACTION APPROVED The requested transaction has been approved.
1 NOT AUTHORISED Card Issuer has declined the payment request.
2 DECLINED - CONTACT BANK Card Issuer has had special conditions applied to the card.
3 CONTACT MERCHANT BANK Merchant ID not found on Bank's System.
4 DECLINED - CONTACT BANK Card Issuer has declined the transaction and requested the card be retained.
5 DECLINED - CONTACT BANK The bank that issued this card to your customer has imposed some special conditions on the card or the use of the card. This could also indicate that the use of the card has been temporarily suspended.
6 DECLINED - CONTACT Anchor The message sent by the terminal to the bank's system contained an error.
7 SYSTEM ERROR Card Issuer has declined the transaction and requested the card be retained.
8 TRANSACTION APPROVED This transaction is approved subject to the usual fraud checks and the operator's satisfactory assessment that the card user is the legal user and that signatures match.
12 INVALID TRANSACTN The bank that issued this card to your customer has declined the transaction as the type of transaction is not valid for the type of card. e.g. Selecting to pay from a credit card account with standard issue EFTPOS card.
13 INVALID AMOUNT The transaction amount is invalid.
14 CARD NOT VALID The Credit Card number presented is Invalid. This could be because the card number or card series has been revoked or the number was simply miskeyed.
15 CARD NOT VALID The Credit Card number presented is Invalid. This could be because the card number or card series has been revoked or the number was simply miskeyed.
19 RETRY TRANSACTION The transaction has not been processed.Retry the transaction.
21 SYSTEM ERROR Reversal Approved
30 FORMAT ERROR Message Format Error.
31 CARD NOT VALID The Card Issuer is not supported.
33 EXPIRED CARD Card has expired
36 SYSTEM ERROR Restricted Card
38 SYSTEM ERROR Card Issuer has indicated that the card has exceeded the maximum number of PIN tries.
39 NO CREDIT ACCOUNT There is no credit account linked to the card.
41 CONTACT BANK Card has been reported as lost.
42 SYSTEM ERROR
43 CONTACT BANK Card has been reported as stolen.
51 DECLINED - CONTACT BANK Card/account has insufficient funds for this transaction.
52 NO CHEQUE ACCOUNT No cheque account connected to card.
53 NO SAVINGS ACCOUNT No savings account connected to card.
54 DECLINED - EXPIRED CARD Card has expired
55 INVALID PIN Cardholder PIN has failed validation
56 CONTACT YOUR BANK Card Issuer has no record of the card.
57 INVALID TRANSACTION Card Issuer has indicated that the transaction is not permitted to cardholder
58 TRAN NOT ALLOWED Transaction not permitted on this terminal.
59 DECLINED - CONTACT BANK Card Issuer has indicated that the card is suspected as being fraudulent
60 CONTACT BANK There has been a problem processing the transaction.
61 CONTACT YOUR BANK Transaction will exceed card/account withdrawal frequency limit.
62 SYSTEM ERROR Card Issuer has indicated that there are restrictions placed on the card.
63 SYSTEM ERROR The terminal's verification code has failed certification.
65 CONTACT YOUR BANK Transaction will exceed card/account withdrawal frequency limit.
67 CONTACT BANK Card issuer has indicated the card is suspected counterfeit.
75 EXCEED PIN TRIES Card Issuer has indicated that the card has exceeded the maximum number of PIN tries.
78 SYSTEM ERROR
89 SYSTEM ERROR
91 BANK NOT AVAILABLE Link with the Card Issuer is not available.
92 SYSTEM ERROR
96 SYSTEM ERROR There has been a problem processing the transaction.
98 MAC ERROR The secure encryption device and the acquiring bank don't agree on the key used in the transaction, therefore the acquiring bank is rejecting the transaction.
A4 LINK FAIL DIAL ERR The acquiring bank is currently unavailable. This could be due to a telecommunications error, or the bank is currently unable to process transactions.
A5 PINPAD OFFLINE The secure hardware encryption device is currently offline.
A6 SERVER BUSY
A8 INVALID AMOUNT
A9 INVALID CARD NUMBER
AA INVALID CARD NUMBER The Card Number is invalid
AB INVALID EXPIRY DATE Invalid Expiry Date
AC CARD EXPIRED Card has expired
AD ACCOUNT ERROR Invalid Account
AE TIMEOUT Unable to connect to a Transaction Server
AF RECORD NOT FOUND
AG INVALID AMOUNT The Amount was invalid
AH DATABASE ERROR
AZ No Transaction Servers Unable to find any transaction servers.
BA Biller Reference is missing or invalid Biller Reference is either missing ("") or contains more than 18 characters.
BB Card undefined
BC Currency details cannot be found
BD Customer account is missing This occurs when the data being output from PC-Direct missing the Customer Account number
BE Customer BSB is missing This occurs when the data being output from PC-Direct missing the Customer BSB number
BF Customer title is missing This occurs when the data being output from PC-Direct missing the Customer Title
BG Invalid customer BSB
BH Invalid login
BI Invalid operator id
BJ Invalid password No match is found in database
BK Invalid trace BSB TraceBSB has to be in the format of "ddd-ddd" or "ddd ddd" where d = digit.
BL MD5 checksum does not match
BM Merchant not found Occurs when the specified Anchor Account cannot be found in the Merchant Table
BN MerchantID is missing or invalid
BO Merchants currency gateway not found Occurs when the MerchantIndex and the specified Tag cannot be found in the Merchant Currency Gateway table
BP Merchants gateway not found or not enabled
BQ No access to this merchant Operator does not have the required permission to access a particular Merchant
BR No file was received
BS Payment type is missing or invalid Payment type is either missing or not a 2-digit number
BT Too many failed attempts More than 5 failed attempts
BU Trace account is missing This occurs when the data being output from PC-Direct missing the Trace Account number
BV Trace BSB is missing This occurs when the data being output from PC-Direct missing the Trace BSB number
BW Unknown access error Unidentified operator access
BX No currency tag specified Missing tag
BY Unknown action Unidentified action in the query
BZ Unknown application Unidentified front-end application.
CA Invalid payment type Payment type not "13" (Debit) or "50" (Credit)
CB Invalid account number Invalid Anchor account number or account number not found in database
CP CPAT error
MI Invalid Merchant ID Anchor Merchant Account (Anchor Account) is invalid
ML WRONG MESSAGE LENGTH A incorrect string length was passed to OCV Server Emulator
OX OCX - No connection to OCX server
Q804 SYSTEM ERROR
Q805 INPUT FILE ACCESS ERROR
Q806 INVALID TRANSACTION NUMBER
Q807 INVALID OPERATOR ID
Q808 INVALID TRAINING MODE FLAG
Q809 INVALID REFUND MODE FLAG
Q810 INVALID PURCHASE AMOUNT
Q811 INVALID CACHOUT AMOUNT
Q812 INVALID CARD NUMBER
Q813 INVALID EXPIRY DATE FORMAT
Q814 INVALID MERCHANT INDEX
Q815 POWER FAILURE
Q816 CARD EXPIRED
Q817 CARD TYPE NOT SUPPORTED
Q818 INVALID TERMINAL NUMBER
Q819 UNSUPPORTED OPERATION
Q820 INVALID SEQUENCE NUMBER
Q821 INVALID INPUT FILE VERSION
Q822 INVALID MERCHANT NUMBER
Q823 INVALID TRANSACION REFERENCE
Q824 INVALID OPERATOR REFERENCE
Q825 INVALID TRANSACTION TYPE
Q826 INVALID AUTH CODE
Q830 DATABASE UPDATE FAILURE
Q831 DATABASE TIMEOUT
Q833 INVALID CURRENCY
Q834 APPROVAL PENDING
Q840 MISSING OR INVALID CCI
Q841 MISSING OR INVALID CCV
Q842 MISSING OR INVALID ECM
Q843 MISSING OR INVALID SLI
Q844 DATABASE MAINTENANCE IN PROGRESS
Q901 UNSUPPORTED TRANSACTION TYPE
SS Database locked. Creating new record.
T1 CARD UNSUPPORTED The acquiring bank is rejecting the transaction as it doesn't accept this type of card.
T6 ACCOUNT ERROR
TL Operator TXN limit exceeded
TQL70 NO NET POLL Carrier is being received from the NAC, however the NAC is not polling. This error is the same as communications error "X2 NO NET POLL"
TQL80 NO HOST RESP The system did not receive a response to a message sent to the bank host. Teh transaction will be reversed if needed.
TQL90 CARRIER LOST Carrier is not being received from the NAC. This error is teh same as communications error "X3 NO NETWORK DCD"
TR Operator does not have access to process a refund
U0 REVERSAL PRESENT A transaction could not be confirmed by both ends of the telecommunications link. As such a Reversal has been presented to the acquiring bank to remove the transaction and try again.
U1 UNABLE TO PROCESS
U4 STAN ERROR
U6 MAC ERROR
U8 MESSAGE TYPE ERROR
U9 TIME-OUT ERROR The duration allowed for the acquiring bank to respond to a transaction request has been exceeded. The transaction will automatically be reversed and generate a corresponding U0 error.
V9 UNABLE TO PROCESS
W6 NOT SUPPORTED
X1 LINK FAIL DIAL ERR The connection to the card issuing bank has failed.
XX INVALID EXPIRY
XY Invalid response code
Y3 UNABLE TO PROCESS
ZZ WAITING TO BE PROCESSES BY PINPAD

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