Common Terminal Error Messages
Below is a list of decline responses you may come across while operating your terminal. If you are
unable to resolve an issue or encounter an issue or decline response not listed below, please contact
the CommBank 24 Hour Merchant Helpdesk on
1800 230 177
.
Codes Terminal Display
Description
Recommended Next Steps
01
DECLINED – 01
CONTACT CARD
ISSUER
Refer to card
issuer
Advise the cardholder to contact their card
issuer for specific details. Ask the Customer for
another form of payment (e.g. different card).
05
DECLINED – 05
SYSTEM ERROR
“SECURITY
DECLINE” BY
CARD ISSUER
(DO NOT
HONOR)
Advise the cardholder to contact their card
issuer for specific details. Ask the Customer for
another form of payment (e.g. different card).
13
DECLINED – 13
INVALID AMOUNT
Invalid
amount
Different limits apply to different types of
transactions as defined in the merchant
agreement. For instance, there is a cash out limit
and a refund limit, and if either one is exceeded,
an error message will be displayed. The user
must simply enter a value lower than the
relevant limit defined in the agreement.
41
DECLINED – 41
PHONE AUTH CENTRE
Lost Card
Advise the cardholder to contact their card
issuer for specific details. Ask the Customer for
another form of payment (e.g. different card).
51
DECLINED – 51
REFER CARD ISSUER
No Sufficient
Funds
There are insufficient funds on the card.
Ask the Customer for another form of payment.
(e.g. different card).
55
DECLINED – 55
INCORRECT PIN
Incorrect PIN
Incorrect PIN entered. Customer may retry or
call their bank.
57
DECLINED – 57
TRAN NOT ALLOWED
Transaction
not permitted
to cardholder
Advise the cardholder to contact their card
issuer for specific details. Ask the Customer for
another form of payment (e.g. different card).
58
DECLINED – 58
TRANS NOT
ALLOWED
Transaction
not permitted
to terminal
Contact the CommBank 24 Hour Merchant
Helpdesk on 1800 230 177 for support.
67
DECLINED – 67
PHONE AUTH CENTRE
Black listed
card
Advise the cardholder to contact their card
issuer for specific details. Ask the Customer for
another form of payment (e.g. different card).
Basic troubleshooting
15
