About Response Codes

BankSA will be using Response Code categories to help you and your customers understand why a transaction has been declined. If you have a declined transaction, check the Response Code number, then follow the instructions on how to process the transaction.
 

Select your product

EFTPOS Now

EFTPOS Now Terminal Response Codes

Code Description Category           Action
0000 APPROVED  n/a 
  • Transaction approved
  • No further action
0001  APPROVED PENDING SIGNATURE

n/a
  • Ask the customer to sign the receipt
  • Verify the signature
  • Transaction is approved if signature is verified
1000  DECLINED CANNOT PAY 1
  • Don’t run the transaction again
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
1001  EXPIRED CARD  3
  • Check the card expiry date
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
1004  DECLINED 

2
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
1006  EXCEED PIN TRIES

2
  •  Try the transaction again
    • If the transaction is still declined:
      • Ask for another form of payment
      • Advise the customer to contact their card issuer
1007  DECLINED CALL FOR AUTH

1
  • Don’t run the transaction again
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
1009  INVALID MERCHANT 2
  •  Contact the Merchant Helpdesk
1010  DECLINED CANNOT PAY 4
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
1011  INVALID CARD 1
  • Don’t run the transaction again
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
1014  DECLINED WRONG ACCOUNT 1
  • Don’t run the transaction again 
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
1016  CONTACT CARD ISSUER 2
  • Insufficient funds
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
1017  UNABLE TO AUTHORISE 2
  • PIN entered incorrectly
  • Try the transaction again with the correct PIN
1020  DECLINED INVALID TRANSACTION 4
  • Ask for another form of payment
  • Try the transaction again with the correct PIN
1021  ISSUER UNAVAILABLE 2
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
1023  EXCEED MAX USE LIMIT

2
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
2008  DECLINED CONTACT CARD ISSUER 1
  • Don’t run the transaction again
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
9102 DECLINED TRANSACTION INVALID 1
  • Don’t run the transaction again
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
9103  CANNOT PAY

2
  • Ask for another form of payment.
  • Advise the customer to contact their card issuer.
9107  DECLINED ISSUER NOT AVAILABLE

2
  • Cannot connect to card Issuer
  • Try the transaction again
  • Ask the customer to insert or swipe their card. This will process the transaction using Electronic Fallback (EFB) (if applicable).
9113 DECLINED CANNOT PAY
 4
  • Try the transaction again
    • If the transaction is still declined: 
      • Ask for another form of payment
      • Advise the customer to contact their card issuer
9116 CANCELLED SYSTEM ERROR

4
  • Turn terminal off, then back on, and retry the transaction
  • Contact the Merchant Helpdesk.
EFTPOS 1

EFTPOS 1 Terminal Response Codes

Code Description Category           Action
000 APPROVED n/a
  • Transaction approved
  • No further action
001 APPROVED PENDING SIGNATURE n/a
  • Ask the customer to sign the receipt
  • Verify the signature
  • Transaction is approved if signature is verified
100 DECLINED CANNOT PAY 1
  • Don’t run the transaction again 
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
101 EXPIRED CARD 3
  • Check the card expiry date
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
104 DECLINED

2
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
106 EXCEED PIN TRIES

2
  • Try the transaction again
    • If the transaction is still declined:
      • Ask for another form of payment
      • Advise the customer to contact their card issuer
107 DECLINED CALL FOR AUTH

1
  • Don’t run the transaction again 
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
109 INVALID MERCHANT 2
  • Contact the Merchant Helpdesk
110 DECLINED CANNOT PAY

4
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
111 INVALID CARD 1
  • Don’t run the transaction again 
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
114 DECLINED INVALID ACCOUNT 1
  • Don’t run the transaction again 
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
116 CONTACT CARD ISSUER 2
  • Insufficient funds
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
117 UNABLE TO AUTHORISE

2
  • PIN entered incorrectly
  • Try the transaction again with the correct PIN
120 DECLINED INVALID TRANSACTION 4
  • Ask for another form of payment
  • Try the transaction again with the correct PIN
121 ISSUER UNAVAILABLE 2
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
123 EXCEED MAX USE LIMIT 2
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
208 DECLINED CONTACT CARD ISSUER 1
  • Don’t run the transaction again 
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
902 DECLINED TRANSACTION INVALID 1
  • Don’t run the transaction again 
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
903 DECLINED CONTACT CARD ISSUER

2
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
907 DECLINED ISSUER NOT AVAILABLE 2
  • Cannot connect to card Issuer
  • Try the transaction again
  • Ask the customer to insert or swipe their card. This will process the transaction using Electronic Fallback (EFB) (if applicable). 
913 DECLINED CANNOT PAY 4
  • Try the transaction again
    • If the transaction is still declined: 
      • Ask for another form of payment
      • Advise the customer to contact their card issuer
916 CANCELLED SYSTEM ERROR 4
  • Turn terminal off, then back on, and retry the transaction
  • Contact the Merchant Helpdesk
Other Products

Other products Terminal Response Codes

Code Description Category           Action
00  APPROVED  n/a 
  • Transaction approved
  • No further action
01  DECLINED CALL FOR AUTH 1
  • Don’t run the transaction again
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
03  INVALID MERCHANT 2
  • Contact the Merchant Helpdesk
05  DECLINED CANNOT PAY 1
  • Don’t run the transaction again
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
06  INVALID TRAN DATE 4 
  • Contact the Merchant Helpdesk.
08  APPROVED PENDING SIGNATURE n/a
  • Ask the customer to sign the receipt
  • Verify the signature
  • Transaction is approved if signature is verified
12  DECLINED TRANSACTION INVALID 1
  • Don’t run the transaction again
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
13  DECLINED CANNOT PAY  4
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
14  INVALID CARD 1
  • Don’t run the transaction again
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
19  DECLINED CONTACT CARD ISSUER 2
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
39  DECLINED WRONG ACCOUNT 2 
  • Select a different account
  • Try the transaction again
    • If the transaction is still declined:
      • Don’t run the transaction again
      • Ask for another form of payment
      • Advise the customer to contact their card issuer
41  DECLINED CONTACT CARD ISSUER 1
  • Don’t run the transaction again
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
51  CONTACT CARD ISSUER 2
  • Insufficient funds
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
54  EXPIRED CARD 3
  • Check the card expiry date
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
55  UNABLE TO AUTHORISE 2
  • PIN entered incorrectly
  • Try the transaction again with the correct PIN
58  DECLINED INVALID TRANSACTION 4
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
61  ISSUER UNAVAILABLE 2
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
62  DECLINED  2 
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
65  EXCEED MAX USE LIMIT 2
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
75  EXCEED PIN TRIES 2
  • Try the transaction again
    • If the transaction is still declined:
      • Ask for another form of payment
      • Advise the customer to contact their card issuer
83  DECLINED INVALID ACCOUNT 1
  • Don’t run the transaction again
  • Ask for another form of payment
  • Advise the customer to contact their card issuer
87 DECLINED INVALID TRACK 4
  • Try the transaction again
    • If the transaction is still declined:
      • Ask for another form of payment
      • Advise the customer to contact their card issuer
91  DECLINED ISSUER NOT AVAILABLE 2
  • Cannot connect to card Issuer
  • Try the transaction again
  • Ask the customer to insert or swipe their card. This will process the transaction using Electronic Fallback (EFB) (if applicable)
94  CANNOT PAY 4 
  • Try the transaction again
    • If the transaction is still declined:   
      • Ask for another form of payment
      • Advise the customer to contact their card issuer
97  SETTLE NOT ALLOWED 4 
  • Terminal settlement has been completed within the last 24 hours
  • Settlement can only be done once within a 24-hour period
  • To change your settlement time, contact the Merchant Helpdesk
98 CANCELLED SYSTEM ERROR 4
  • Turn terminal off, then back on, and retry the transaction
  • Contact the Merchant Helpdesk

Frequently asked questions

What are Response Codes?

Response Codes are numeric codes located on a transaction receipt that indicate whether a transaction has been approved or declined.
 

What’s changing?

BankSA will be using Response Code categories to help you and your customers understand why a transaction has been declined. This change may benefit you by improving your authorisation rates and better enhancing the overall transaction processing with your customers.
 

When will this change happen?  

The Response Code categories for how you process declined transactions will come into effect on 1 May 2022.
 

What are the Response Code categories?

Response Code Category Response Code Description What you need to do
1 Issuer will never approve Don’t attempt the transaction again
2  Issuer cannot approve at this time

Confirm the card details 

Check the Response Code for your next action
3 Data Quality / Revalidate payment information

Check the transaction information to ensure the data is valid 

Try the transaction again (you can do this on the same day)
4 Generic Response Code

Check the error code 

Try the transaction again

What if the Response Code description is different to the declined transaction receipt?

If the Response Code text description is different to the description on the declined transaction receipt, we suggest you contact your Gateway provider for guidance on what actions you need to take.

 

 

Call the Merchant Helpdesk

1300 130 190

Available 24/7

The Detail

Accessibility support: At any time, you can inform us how you would prefer to be contacted. If you are deaf and/or find it hard hearing or speaking with people who use a phone, you can reach us through the National Relay Service (NRS). To use the NRS, you can register here: https://internet-relay.nrscall.gov.au.
 

Applications for payment solutions are subject to approval. Terms and Conditions and fees and charges apply. Full details are available on request or at https://www.banksa.com.au/merchant-terms.