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 List of Common Errors

The list of common errors section is designed to provide you, as an ANZ merchant, with a list of the most common errors experienced while using an electronic facility and the appropriate action to take.

For a printable version of the list of common errors, see the List of Common Error Brochure (PDF 92KB) .

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Common errors and actions for merchants

Account Type Error
Card Error Refer
Card Not Accepted
Card Expired
Card Type Error
No Answer
No Line
No Response
Number Busy
Not Authorised
   PIN Error Refer
System Error
System Error 12
System Error 051
System Error 061
System Error 96
Transaction Cancelled Error 01
Transaction Cancelled Error 09
Transaction Not Allowed
55 PIN Error

Account Type Error

  • The system does not allow the selected type of account for the type of card being used eg a credit card being used on a cheque or savings account.
  • Action: Press "clear" on the terminal and ask the customer to reselect account.
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Card Error Refer
  • The customerís card has been invalidated by their bank.
  • Action: NO manual fallback. Seek another form of payment and refer the cardholder to their bank.
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Card Not Accepted
  • The card is not accepted by the ANZ network.
  • Action: NO manual fallback. Seek another form of payment.
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Card Expired
  • The card has expired.
  • Action: Refer the cardholder to their bank. Seek another form of payment.
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Card Type Error
  • The card offered is not supported by the Bank.
  • Action: NO manual fallback. Seek another form of payment.
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No Answer
  • There has been no response from the network to the transaction.
  • Action: Try the transaction again, and if this fails, process manually or seek another form of payment.
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No Line
  • The telephone cable has become disconnected.
  • Action: Check the telephone cable connections and ensure the telephone line is operational. Retry the transaction and if this fails, process manually or seek another form of payment.
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No Response
  • There was no response from the network to the transaction.
  • Action: Retry the transaction and if this fails, process manually or seek another form of payment.
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Number Busy
  • The number dialled by the terminal is busy.
  • Action: Ensure no one else is using the telephone line at your location. Retry the transaction and if this fails process manually or seek another form of payment.
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Not Authorised
  • The amount being processed exceeds limit authorised for that card.
  • Action: Press "clear" on the terminal and seek another form of payment.
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PIN Error Refer
  • The customer has incorrectly keyed the PIN three times.
  • Action: Seek another form of payment and refer cardholder to their bank.
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System Error
  • The transaction is unsuccessful.
  • Action: NO manual fallback. Seek another form of payment.
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System Error 12
  • The transaction is not allowed.
  • Action: NO manual fallback. Seek another form of payment.
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System Error 051
  • The transaction has been denied by the card issuer.
  • Action: Seek another form of payment and refer the cardholder to their bank.
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System Error 061
  • The cardholder has exceeded their daily or weekly limit, or is trying to draw on uncleared funds.
  • Action: The cardholder may try the transaction again using a smaller amount . If still declined, seek another form of payment.
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System Error 96
  • The transaction is unsuccessful due to a system malfunction.
  • Action: NO manual fallback. Seek another form of payment.
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Transaction Cancelled Error 01
  • The terminal has lost communications to the host computer.
  • Action: Check the telephone cable connections and ensure the telephone line is operational. Retry the transaction and if this fails, process manually or seek another form of payment.
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Transaction Cancelled Error 09
  • Communications to the terminal has stopped longer than 30 seconds.
  • Action: Retry the transaction and, if this fails, seek another form of payment.
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Transaction Not Allowed
  • Cash out transactions are not permitted on the credit account selected.
  • Action: Press "clear" on the terminal and reprocess the transaction for purchase only.
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55 PIN Error
  • The customer PIN was keyed incorrectly.
  • Action: Advise the customer to re-enter the PIN.
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