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QY - Card type not accepted

The Merchant is not enabled for the particular Card Scheme (normally returned for American Express® and Diners Club cards). To register for American Express® or Diners Club, click the Register to accept Amex or Diners through PayWay link on the Merchants page. 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.

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.