Response codes

Response codes are numeric codes located on a transaction receipt that indicate whether a transaction has been approved or declined. Here's some information to help you understand these response codes and manage your St.George payment solution.

Understanding response codes and response code categories

St.George uses 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.

Which terminal do you have?

EFTPOS NOW

Other products

EFTPOS Now Response Codes

Code	Description	Category	Action
0000	APPROVED	n/a	Transaction approved No further action required
0001	APPROVED PENDING SIGNATURE	n/a	Ask the customer to sign the receipt Verify the signature Transaction is approved once the signature is verified
1000	DECLINED CANNOT PAY	1	Don’t process the transaction again Ask for another form of payment Tell the customer to contact their card issuer
1001	EXPIRED CARD	3	Check the card expiry date Ask for another form of payment Tell the customer to contact their card issuer
1004	DECLINED	2	Ask for another form of payment Tell 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 Tell the customer to contact their card issuer
1007	DECLINED CALL FOR AUTH	1	Don’t process the transaction again Ask for another form of payment Tell 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 Tell the customer to contact their card issuer
1011	INVALID CARD	1	Don’t process the transaction again Ask for another form of payment Tell the customer to contact their card issuer
1014	DECLINED WRONG ACCOUNT	1	Don’t process the transaction again Ask for another form of payment Tell the customer to contact their card issuer
1016	CONTACT CARD ISSUER	2	Insufficient funds Ask for another form of payment Tell 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 Tell the customer to contact third card issuer
1021	ISSUER UNAVAILABLE	2	Ask for another form of payment Tell the customer to contact their card issuer
1023	EXCEED MAX USE LIMIT	2	Ask for another form of payment Tell the customer to contact their card issuer
2008	DECLINED CONTACT CARD ISSUER	1	Don’t process the transaction again Ask for another form of payment Tell the customer to contact their card issuer
9102	DECLINED TRANSACTION INVALID	1	Don’t process the transaction again Ask for another form of payment Tell the customer to contact their card issuer
9103	CANNOT PAY	2	Ask for another form of payment. Tell the customer to contact their card issuer.
9107	DECLINED ISSUER NOT AVAILABLE	2	Cannot connect to the card Issuer Try the transaction again Ask the customer to insert or swipe their card. This may process the transaction using Electronic Fallback (EFB) (if applicable)¹.
9113	DECLINED CANNOT PAY	4	Try the transaction again If the transaction is still declined: Ask for another form of payment Tell the customer to contact their card issuer
9116	CANCELLED SYSTEM ERROR	4	Turn the terminal off, then back on, and retry the transaction Contact the Merchant Helpdesk.

EFTPOS 1 Response Codes

Code	Description	Category	Action
000	APPROVED	n/a	Transaction approved No further action required
001	APPROVED PENDING SIGNATURE	n/a	Ask the customer to sign the receipt Verify the signature Transaction is approved once the signature is verified
100	DECLINED CANNOT PAY	1	Don’t process the transaction again Ask for another form of payment Tell the customer to contact their card issuer
101	EXPIRED CARD	3	Check the card expiry date Ask for another form of payment Tell the customer to contact their card issuer
104	DECLINED	2	Ask for another form of payment Tell 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 Tell the customer to contact their card issuer
107	DECLINED CALL FOR AUTH	1	Don’t process the transaction again Ask for another form of payment Tell 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 Tell the customer to contact their card issuer
111	INVALID CARD	1	Don’t process the transaction again Ask for another form of payment Advise the customer to contact their card issuer
114	DECLINED INVALID ACCOUNT	1	Don’t process the transaction again Ask for another form of payment Tell the customer to contact their card issuer
116	CONTACT CARD ISSUER	2	Insufficient funds Ask for another form of payment Tell 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 Tell the customer to contact their card issuer
121	ISSUER UNAVAILABLE	2	Ask for another form of payment Tell the customer to contact their card issuer
123	EXCEED MAX USE LIMIT	2	Ask for another form of payment Tell the customer to contact their card issuer
208	DECLINED CONTACT CARD ISSUER	1	Don’t process the transaction again Ask for another form of payment Tell the customer to contact their card issuer
902	DECLINED TRANSACTION INVALID	1	Don’t process the transaction again Ask for another form of payment Tell the customer to contact their card issuer
903	DECLINED CONTACT CARD ISSUER	2	Ask for another form of payment Tell the customer to contact their card issuer
907	DECLINED ISSUER NOT AVAILABLE	2	Cannot connect to the card Issuer Try the transaction again Ask the customer to insert or swipe their card. This may process the transaction using Electronic Fallback (EFB) (if applicable).¹
913	DECLINED CANNOT PAY	4	Try the transaction again If the transaction is still declined: Ask for another form of payment Tell 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 Response Codes

Code	Description	Category	Action
00	APPROVED	n/a	Transaction approved No further action required
01	DECLINED CALL FOR AUTH	1	Don’t process the transaction again Ask for another form of payment Tell the customer to contact their card issuer
03	INVALID MERCHANT	2	Contact the Merchant Helpdesk
05	DECLINED CANNOT PAY	1	Don’t process the transaction again Ask for another form of payment Tell 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 once the signature is verified
12	DECLINED TRANSACTION INVALID	1	Don’t process the transaction again Ask for another form of payment Tell the customer to contact their card issuer
13	DECLINED CANNOT PAY	4	Ask for another form of payment Tell the customer to contact their card issuer
14	INVALID CARD	1	Don’t process the transaction again Ask for another form of payment Tell the customer to contact their card issuer
19	DECLINED CONTACT CARD ISSUER	2	Ask for another form of payment Tell the customer to contact their card issuer
39	DECLINED WRONG ACCOUNT	2	Try the transaction again If the transaction is still declined: Ask for another form of payment Tell the customer to contact their card issuer
41	DECLINED CONTACT CARD ISSUER	2	Insufficient funds Ask for another form of payment Tell the customer to contact their card issuer
51	CONTACT CARD ISSUER	2	Insufficient funds Ask for another form of payment Tell the customer to contact their card issuer
54	EXPIRED CARD	3	Check the card expiry date Ask for another form of payment Tell 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 Tell the customer to contact their card issuer
61	ISSUER UNAVAILABLE	2	Ask for another form of payment Tell the customer to contact their card issuer
62	DECLINED	2	Ask for another form of payment Tell the customer to contact their card issuer
65	EXCEED MAX USE LIMIT	2	Ask for another form of payment Tell 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 Tell the customer to contact their card issuer
83	DECLINED INVALID ACCOUNT	1	Don’t process the transaction again Ask for another form of payment Tell 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 Tell the customer to contact their card issuer
91	DECLINED ISSUER NOT AVAILABLE	2	Cannot connect to the card issuer Try the transaction again Ask the customer to insert or swipe their card. This may process the transaction using Electronic Fallback (EFB) (if applicable)¹
94	CANNOT PAY	4	Try the transaction again If the transaction is still declined: Ask for another form of payment Tell the customer to contact their card issuer
97	SETTLE NOT ALLOWED	4	Terminal settlement has been completed Settlement² can only be done once a day 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 are response code categories?

St.George uses response code categories to help you and your customers understand why a transaction has been declined. Response code categories help improve your authorisation rates and enhance the overall transaction processing experience with your customers.

Refer to the following table for the response code categories, their description and what you need to do.

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 an eCommerce response code description is different to the response code descriptions described above or on declined transaction receipts?

If the response code description text on an eCommerce transaction is different to the description on declined transaction receipts, we suggest you contact your gateway provider for guidance on the actions you need to take.

Important information

1 Electronic Fallback is subject to card type and transaction (floor) limits.

2. St.George same day settlement is not available between 9:30pm and 11:00pm - Sydney time. You can only perform a settlement once a day, before 9:30pm (Sydney time). A settlement done after 11:00pm will be processed as a settlement for the next day. Subject to system availability, settlement can take place 7 days a week. Settlement must be to an eligible St.George business transaction account. Same day settlement is only available for Mastercard®, Visa® and eftpos transactions (plus UnionPay if using EFTPOS Connect).

Mastercard® is a registered trademark of Mastercard International Incorporated. Visa® is a registered trademark of Visa International Service Association. UnionPay is a trademark of UnionPay International Co. Ltd.

Applications for payment solutions are subject to approval. Terms and Conditions and fees and charges apply. Full details are available on request or at Merchant Operating Guides.

St.George welcomes calls through the National Relay Service. If you are deaf, hard of hearing, or have speech/communication difficulty, choose your access option detailed on the National Relay Service and provide our phone number (02) 9155 7820 when asked by the Relay Officer.