206 Declined Exceed PIN tries
Seek another form of payment from the cardholder.
Advise them to contact their bank.
207 Declined
Pick up card. Special
condition
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.
208 Declined Pick-up lost 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.
209 Declined Pick-up stolen 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. If they believe fraud is taking
place merchant should also contact the police.
301 Declined
File up not supported by
receiver
Seek another form of payment from the cardholder.
Advise them to contact their bank.
302 Declined No record on file
Seek another form of payment from the cardholder.
Advise them to contact their bank.
304 Declined File field edit error
Seek another form of payment from the cardholder.
Advise them to contact their bank.
305 Declined File locked out
Seek another form of payment from the cardholder.
Advise them to contact their bank.
306 Declined File action not successful
Seek another form of payment from the cardholder.
Advise them to contact their bank.
902 Declined Invalid transactions
If the card is from overseas, request another form
of payment. If the card was a credit card, ensure
no PIN has been entered. Ensure the correct
account type was selected for the transaction. If
the transaction still fails, seek another form of
payment.
903 Declined Re-enter transaction Attempt transaction again.
904 Declined Format error
Reset the device then attempt the transaction
again. If this fails, seek another form of payment.
905 Declined Acquirer not supported
The card is not allowed at this terminal. If the card
being used is AMEX/ Diners/ JCB, the terminal
may not have been linked properly at AMEX/
Diners/ JCB. Seek another form of payment.
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
Seek another form of payment from the
cardholder. Advise them to contact their bank.
Additional codes
906 Declined Cut over in progress
Switch ending a day’s business and starting
the next. The transaction can be retried at a
later stage.
907 Declined
Issuer/ switch is
inoperative
Retry transaction. If this fails, process the
transaction as per offline transaction procedures
or seek another form of payment.
908 Declined
Financial institution can’t
be found for routing
Seek another form of payment from the
cardholder. Advise them to contact their bank.
909 Declined Suspected malfunction
Attempt transaction again.
911 Declined Card issuer timed out
Retry transaction.
915 Declined
Cut over/Reconciliation
error
Contact the Merchant Help Desk on 1800 334
702. Reset the terminal and retry the transaction.
If this fails, seek another form of payment.
921 Declined No action required
Attempt transaction again.
960 Declined MAC error
Contact the Merchant Help Desk on 1800 334
702 for assistance. Terminal will be powered off
and on again. If the terminal reset fails, seek
another form of payment.
2524
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