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00 - Approved

This indicates that the transaction has been authorised.

What authorisation DOES mean:

  • The card number is valid
  • The card has not been reported lost or stolen (although it may in fact be lost, stolen or compromised [card details improperly obtained or copied] and the card owner is unaware)
  • There are sufficient funds available to cover the transaction.

What authorisation DOES NOT mean:

  • An authorisation does NOT confirm that the person providing the card number is the legitimate cardholder. The risk remains that the person providing the credit card number has either stolen or improperly obtained the card.
  • There is also the risk that the purchaser has compromised (improperly obtained) the card number, without being in possession of the card.

Although it is important to obtain an authorisation for each transaction, it does not protect you from the risk of fraud or chargeback. The risk of fraud remains even though authorisation has been obtained.

See also: Full List of Credit Card Response Codes


The information contained in this publication is provided for learning purposes only and is subject to change. Revisions may be issued from time to time that encompass changes or additions to this module.

This is a guide only and it is not comprehensive. It does not impinge on or overrule any formal arrangement you may enter into with the Bank. The Bank and its officers shall not have any liability for any losses of any kind incurred in connection with any action, inaction or decision taken in reliance on the information herein or for any inaccuracies, errors or omissions. In this publication references to the "Bank" are to Westpac Banking Corporation ABN 33 007 457 141 and to any of its operating Divisions, including BankSA and St.George.