Error codes

When using the advanced method for processing credit cards, the rcode value in the response array will contain a value referring to an entry in this table:

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 This could be because the card number or card series has been revoked or the number was simply miskeyed.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 This could be because the card number or card series has been revoked or the number was simply miskeyed.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