User guide

23
Transaction Declined codes
Code
Transaction
status
Description Action required
100 Declined Do not honour Merchant to try and obtain another form of payment from the cardholder.
Cardholder to contact their bank for details.
101 Declined Expired card Merchant to seek another form of payment. Cardholder should contact their
bank for details.
103 Declined Card acceptor - contact
acquirer
Merchant to contact Help Desk on 1800 334 702 for assistance. It is recommended the Merchant arranges alternate form of payment from the cardholder.
104 Declined Restricted card Advise merchant to seek another form of payment. Cardholder should contact
their bank for details.
106 Declined Exceed PIN tries Advise merchant to seek another form of payment. Cardholder should contact
their bank for details.
107 Declined Refer to card Issuer.
Authorisation is required on transaction
Merchant to try and obtain another form of payment from the cardholder for debit cards.
108 Declined Refer to card Issuer.
Special conditions
Merchant to try and obtain another form of payment from the cardholder. Cardholder to contact their bank for details.
109 Declined Invalid merchant If the card being used is AMEX/ Diners/ JCB, the terminal has not been
linked properly at AMEX/ Diners/ JCB. If the card is an overseas card, another form of payment should be requested.
110 Declined Invalid account Attempt transaction again. If it fails again advise the merchant to seek
another form of payment. Cardholder should contact their bank for more information.
111 Declined Invalid card number (no
such number)
If manually entering card number, attempt transaction again. Advise merchant to seek another form of payment. Cardholder to contact their Bank for details.
113 Declined Unacceptable transaction
fee
Advise merchant to seek another form of payment. Cardholder should contact their bank for details.