User guide

27
Transaction Declined codes
Code
Transaction
status
Description Action required
915 Declined Cut over/Reconciliation
error
Merchant to contact Help Desk on 1800 334 702. Reset the terminal and retry the transaction. If this fails, the merchant should obtain another form of payment from the cardholder.
921 Declined No Action Required Attempt transaction again 960 Declined MAC error Merchant to contact Help Desk on 1800 334 for assistance. Terminal will
be powered off and on again. If the terminal reset fails, Merchant should seek another form of payment from the cardholder or prepare a fallback Voucher as per procedures.
Additional codes
Code Transaction status Description Action required
Y1 Approved Transaction approved with signature
(if signature is required)
No action required. Transaction approved
Y1 Approved Transaction approved (signature is
NOT required)
No action required. Transaction approved
Y3 Approved Transaction approved with signature
(if signature is required)
No action required. Transaction approved
Y3 Approved Transaction approved (signature is
NOT required)
No action required. Transaction approved
Z3 Declined Communications error Retry transaction
Z1 Declined Transaction declined by card Advise merchant to seek another form of payment
Cardholder should contact their bank for details