This article is a list of the responses received through the payment gateway during Credit Card transactions.
Each time a transaction is processed using a Credit Card it is processed through a payment gateway and receives a response to confirm or decline it, or to indicate that there has been an error.
00 Transaction Approved
Transaction has been processed successfully.
08 Honour With Identification
Transaction has been processed successfully – transaction did not require identification but response will be given by some banks.
01 Refer to Issuer
Customer’s bank (card issuer) has identified an issue with the the credit card number – Customer should either contact their bank or attempt payment using another card.
01 Do Not Honour
Declined by Beagle: Indicates that one of the Beagle rules has been triggered – Check the transaction details against the accounts Beagle settings or refer error to support.
Declined by Bendigo: Indicates that Bendigo merchant is not sending the Card Verification Number (CVN) – Check the transaction in 4Admin and ensure that CVN is being sent or contact support.
Indicates that there is an error with the Internet Merchant Facility (IMF) details being used – Ensure that the IMF settings in the account match those provided by the Merchant’s issuing bank, if details are correct; contact issuing bank and ensure that account is Active and set as an Internet terminal and not EFTPOS. Otherwise, contact support.
04 Pick Up Card
Card Issuer has indicated that there is a problem with the card being used and is requesting that the card be retained – Error generally indicates that the card has either been lost or stolen. Customer should either use a different card or contact their bank.
05 Do Not Honour
Generally used in place of a more detailed error – Merchant should contact their IMF bank to receive a more detailed explanation of the error and should have client contact their card issuer to ensure that there are no issues with the card. This error is sometimes temporary, so Merchant should wait one hour and attempt transaction again. Please contact support if you are unsure.
Card issuer has declined transaction due to an error with the card being used – Customer should contact their bank or attempt payment using a different card.
12 Invalid Transaction
Card issuer has declined the transaction due to an error with the card details submitted in the transaction – Customer should check the details they have submitted to ensure that they are correct and then submit transaction again.
13 Invalid Amount
An invalid character has been submitted in the transaction value – Check your website code and ensure that all transaction values are submitted as a numerical value without the special characters. For example: 10.00 and not $10.00.
14 Invalid Card Number
Card issuer has indicated that the card numbers submitted do not exist – Check the details being submitted for the transaction and resubmit using correct card details.
15 No Issuer
Card Issuer does not exist – Check the card numbers submitted in the transaction and resubmit using correct details.
22 Suspected Malfunction
Card Issuer cannot be contacted during the transaction – Customer should check the card details the provided and resubmit the transaction, or contact their bank.
30 Format Error
On the Australian gateway: Indicates that the Merchant bank is not set in Salseforce – Check the IMF details in Salesforce and ensure that all fields have been populated.
On the NZ gateway: Indicates that there is an issue with the Merchant account details in Salesforce – Check that the correct bank and Merchant ID/Terminal IDs have been set in Salesforce.
31 Bank Not Supported By Switch
Card Issuer has declined the transaction as it does not allow transactions via format being used (eMail, telephone, Fax, Internet or Mail orders) – Customer should attempt transaction using a different card.
34 Suspected Fraud, Retain Card
Card Issuer has indicated that the transaction being submitted is suspected as being fraudulent – Customer should contact their bank for more information and Merchant should check any further declined transactions receiving the same error to prevent further fraudulent transactions.
41 Lost Card
Card s being declined as it has been reported as stolen or lost – Customer should contact their bank or attempt transaction using a different card.
51 Insufficient Funds
Credit Card account has insufficient funds to complete the transaction – Customer should ensure that funds are available in the account before attempting the transaction again.
54 Expired Card
Indicates that the expiry date provided in the transaction is incorrect – Customer should ensure that they have provided the correct expiry date before reattempting transaction.
56 No Card Record
Card Issuer has declined the transaction as the card does not exist – Customer should check the details they have provided or use a different card.
57 Function Not Permitted to Cardholder
Card issuer has declined the transaction as card being used cannot be used for this type of transaction – Customer should use a different card.
58 Function Not Permitted to Terminal
Card issuer has declined the transaction as card being used cannot be used for this type of transaction – This may be associated with a test transaction. Customer should use a different card.
59 Suspected Fraud
Card Issuer has indicated that the transaction being submitted is suspected as being fraudulent – Customer should contact their bank for more information.
62 Restricted Card
Card Issuer has declined transaction due to transaction restrictions on the card being used – Customer should use a different card or contact their bank.
67 Capture Card
Transaction has been declined as the card being used is suspected of being counterfeit, Card issuer is requesting that the card be retained – Customer should use a different card. Merchant can contact their customer, however they should be aware that the transaction may be fraudulent.
91 Card Issuer Unavailable
The payment gateway was unable to contact the card issuer to authorise the transaction – Customer should attempt transaction again and contact their bank is issue persists.
92 Unable To Route Transaction
Indicates that test card is being used on live gateway – Check the card number being submitted for the transaction, advise Merchant to attempt transaction again using a live and valid card.
W1, W2, W9
Indicates that the connection to the bank is currently experiencing an outage – If you are unaware of an outage, please contact support.
Note: If you receive a response from the gateway that is not listed above, please note down the transaction details and the gateway response and contact support.