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could be because the card number or card series has been revoked or the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could be because the card number or card series has been revoked or the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 |
|