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Credit card status codes

In all cases where the response code requires the cardholder to contact the issuing bank, to assist in the enquiry you will need the date and amount of the attempted transaction which failed and also why the bank returned that status for the failed transaction. Alternatively the issuing bank employee may check the available funds on the card. If you receive a numeric status code other than those listed in this section, you should check that the card details are correct. If they are, ask the cardholder for an alternative credit card. If this still does not resolve the problem, the cardholder should contact their issuing bank. If you receive a status code starting with Q that you do not understand, you should contact us with the transaction details.

Response Code Description
00 Approved
01 Refer to card issuer
03 Invalid merchant
04 Pickup Card
05 Do not honour
08 Honour with identification
12 Invalid transaction
14 Invalid card number (no such number)
17 Customer cancellation
22 Suspected Malfunction
34 Suspected fraud
39 No credit account
40 Request function not supported
41 Lost card
42 No Universal Account
43 Stolen card
51 Not sufficient funds
54 Expired Card
61 Exceeds withdrawal amount limits
62 Restricted Card
63 Security violation
65 Exceeds withdrawl frequency limit
68 Response received too late
91 Issuer or switch is inoperative
92 Financial institution or intermediate network facility cannot be found for routing
QA Invalid Parameters
QI Transaction incomplete
QQ Invalid Card
QY Card Type not accepted

Note: There are no response codes specific to card verification number mismatches. This is because no financial institutions in Australia currently return any such information if declining a transaction.


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.