Terminal Response Messages
00 The transaction has been approved.
01 Refer the cardholder to the issuing bank.
04 Call the card issuing bank.
05 The issuing bank has chosen not to honour the transaction.
08 Approved with signature, ensure the signature on the card is matched to that on the
transaction receipt.
12 The transaction being attempted is invalid.
14 The card number is invalid.
31 The issuing bank is not supported by the current terminal software.
38 The number of PIN tries has been exceeded.
39 The incorrect account type is selected, retry the transaction selecting the correct
accounttype.
41 Call the issuing bank.
43 Call the issuing bank.
51 Another form of payment is required. Do not use a fallback voucher.
54 Card is expired.
55 Invalid PIN entered.
61 Cardholder has exceeded the maximum daily withdrawal limit on their card. Another
form of payment (cash, cheque) is required. Do not use a fallback voucher.
91 The issuing bank is not available. Communication lines are down.
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