Transaction codes
Transaction declined codes
Code
Transaction
status
Description Action required
100 Declined Do not honour
Seek another form of payment from the cardholder.
Advise them to contact their bank.
101 Declined Expired card
Seek another form of payment from the cardholder.
Advise them to contact their bank.
103 Declined
Card acceptor - contact
acquirer
Contact the Merchant Help Desk on 1800 334 702
for assistance. Seek alternate form of payment
from the cardholder.
104 Declined Restricted card
Seek another form of payment from the cardholder.
Advise them to contact their bank.
106 Declined Exceed PIN tries
Seek another form of payment from the cardholder.
Advise them to contact their bank.
107 Declined
Refer to card issuer.
Authorisation is required
on transaction
Seek another form of payment from
the cardholder for debit cards.
108 Declined
Refer to card issuer.
Special conditions
Seek another form of payment from the cardholder.
Advise them to contact their bank.
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 seek
another form of payment from the cardholder.
Advise them to contact their bank.
111 Declined
Invalid card number
(no such number)
If manually entering card number, attempt
transaction again. Seek another form of payment
from the cardholder. Advise them
to contact their bank.
113 Declined
Unacceptable
transaction fee
Seek another form of payment from the cardholder.
Advise them to contact their bank.
114 Declined
No account of requested
type
Check correct account type was selected and
retry transaction. If this fails, seek another form of
payment.
115 Declined Function not supported
Check correct account type was selected and
retry transaction. If this fails, seek another form of
payment.
116 Declined Insufficient funds
Seek another form of payment from the cardholder.
Advise them to contact their bank.
117 Declined Incorrect PIN
Advise cardholder to retry the transaction. If this
fails, seek another form of payment from the
cardholder. Advise them to contact their bank.
118 Declined No card record
Seek another form of payment from the cardholder.
Advise them to contact their bank.
119 Declined Transaction not permitted
Seek another form of payment from the cardholder.
Advise them to contact their bank.
120 Declined
Invalid transaction
or terminal
If the card being used is AMEX/ Diners/ JCB, the
terminal may not be linked properly at AMEX/
Diners/ JCB.
Seek another form of payment from the cardholder.
Advise them to contact their bank.
121 Declined
Exceed max withdrawal
limit
Seek another form of payment from the cardholder.
Advise them to contact their bank.
123 Declined
Exceed withdrawal
frequency limit
Seek another form of payment from the cardholder.
Advise them to contact their bank.
124 Declined
Transaction cannot
be completed
Contact the Merchant Help Desk on 1800 334
702. Reset the terminal and retry the transaction.
If this fails, seek another form of payment from the
cardholder.
200 Declined
Do not honour pick-up
card
Remove card from customer and contact the
issuing bank. This should only be done if it is safe
to do so. If not, try to obtain the card number and
contact the issuer.
201 Declined Expired card
Seek another form of payment from the cardholder.
Advise them to contact their bank.
202 Declined Suspected fraud
Seek another form of payment from the cardholder.
Advise them to contact their bank.
203 Declined
Card acceptor - contact
acquirer
Seek another form of payment from the cardholder.
Advise them to contact their bank.
204 Declined Restricted card
Seek another form of payment from the cardholder.
Advise them to contact their bank.
205 Declined
Card acceptor - contact
acquirer security
Seek another form of payment from the cardholder.
Advise them to contact their bank.
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