Bank Response Codes

Common types of responses from the banks include:

• Transaction approved: Your customer’s transaction was processed successfully.
• Insufficient funds: The customer’s bank noted that there was not enough money available on the card.
• Card expired: The card used is expired. Has the card been replaced?
• Refer to issuer: This can mean many different things, ultimately you will need to tell your customer to contact their card issuing bank. Do they have another card they can use?

Please find below a more complete list of the Response Codes you may receive from your merchant bank, plus a description on what those responses mean.

Important notes:

1. The text “CUST CONTACT THEIR BANK”/”CONTACT BANK” means that you need to advise your customer to contact their bank to enquire if there is a problem with their card. If repeated attempts to collect money from this customer using a credit card fail, you should request an alternate credit card for payment.
2. The actual response text displayed with a response code may vary between banks, and is subject to change at any time. The response text may also vary between test and live systems.
3. The majority of response codes in the range 00-99 are returned by the card holder’s bank- eWAY and your merchant bank do not have any control over them.