Bank response codes also known as Credit card authorization codes, are two-digit numeric codes that show whether a transaction was accepted or refused. The response code gives some basic details regarding the reason for the transaction’s rejection if it happens.
4 Common types of banks responses:
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 of what those responses mean.
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.
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.
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.
Response codes and chargebacks
You can always request a different payment option if you encounter a response code that you are unsure how to handle. Most consumers will have at least two payment options on hand, such as a credit card and a debit card, and will be pleased to give it if only to save time trying to get the first one to work.