nab Transact

Response Codes
Version 1

NAB Transact Response Codes

Card Issuer Approval Codes
00 Approved

08 Approved

11 Approved VIP (not used)

Card Issuer Decline Codes and Text

Comments

Action

01 Refer to Card Issuer

03 Invalid Merchant

Contact cardholder to confirm details

For example, Amex not set up
correctly

04 Pick Up Card
05 Do Not Honour

Retry transaction or contact NAB Transact

Contact cardholder to confirm details

Generally related to account balance

Contact cardholder to confirm details

06 Error

Check transaction data and try again

12 Invalid Transaction

Check transaction data and try again

14 Invalid Card Number

Check transaction data and try again

21 No Action Taken

Check transaction data and try again

30 Format Error

Check transaction data and try again

33 Expired CardPick Up
34 Suspected FraudPick Up
35 Contact AcquirerPick Up
36 Restricted CardPick Up
37 Call Acquirer SecurityPick Up

Pick Up card response is used

for all transaction types by some
issuers even for Card Not Present
transactions. Other issuers will use
the other related response code
without Pick Up instruction

Contact cardholder to confirm details

Contact cardholder to confirm details
Contact cardholder to confirm details
Contact cardholder to confirm details
Contact cardholder to confirm details

39 No CREDIT Account

Contact cardholder to confirm details

41 Lost CardPick Up

Contact cardholder to confirm details

43 Stolen CardPick Up

Contact cardholder to confirm details

51 Insufficient Funds

Contact cardholder or retry next day

54 Expired Card

Can occur with Recurring if new

card issued

Contact cardholder to confirm details

56 No Card Record

Contact cardholder to confirm details

57 Trans. not Permitted to Cardholder

Contact cardholder to confirm details

59 Suspected Fraud

Contact cardholder to confirm details

60 Card Acceptor Contact Acquirer

Do not retry

62 Restricted Card

Contact cardholder to confirm details

66 Card Acceptor Call Acquirer Security

Do not retry

91 Issuer or Switch is Inoperative

Retry transaction or contact NAB Transact

93 Trans Cannot be Completed

Retry transaction or contact NAB Transact

96 System Malfunction

Retry transaction or contact NAB Transact

System Response Code and Text

Description

Action

100 Invalid Transaction Amount

If payment transaction amount is non-integer,

negative, or zero

Correct the transaction

amount & retry

101 Invalid Card Number

If credit card number contains characters other

digits, or bank does not recognize this number
as a valid credit card number

Correct the card number

& retry

102 Invalid Expiry Date Format

If expiry date does not follow the format MM/YY

or contains an invalid date

Correct the expiry date

& retry

103 Invalid Purchase Order

If purchase order is an empty string

Correct the Transaction

Reference & retry

104 Invalid Merchant ID

If Merchant ID does not follow the format

XXXDDDD, where X is a letter and D is a digit,
or Merchant ID is not found in NAB Transacts
database

Correct the Merchant ID/

Client ID & retry

106 Card type unsupported

Merchant is not configured to accept payment

from this particular Credit Card type

Check that you are enabled

for this particular card type
(e.g. Amex, Diners) contact
NAB Transact

109 Invalid credit card CVV number

format

CVV Number contains character other than digits

or contains more than 6 characters

Correct the CVV & retry

110 Unable To Connect To Server

Produced by NAB Transact Client API when unable

to establish connection to NAB Transact Payment
Gateway

Retry transaction or contact

NAB Transact

111 Server Connection Aborted During

Transaction

Produced by NAB Transact Client API when

connection to NAB Transact Payment Gateway is
lost after the payment transaction has been sent

Retry transaction or contact

NAB Transact

112 Transaction timed out By Client

Produced by NAB Transact Client API when no

response to payment transaction has been received
from NAB Transact Payment Gateway within
predefined time period (default 80 seconds)

Retry transaction or contact

NAB Transact

113 General Database Error

Payment Gateway was unable to read or write

information to the database while processing the
transaction

Retry transaction or contact

NAB Transact

114 Error loading properties file

Payment Gateway encountered an error while

loading configuration information for this
transaction

Retry transaction or contact

NAB Transact

115 Fatal Unknown Server Error

Transaction could not be processed by the Payment

Gateway due to unknown reasons

Retry transaction or contact

NAB Transact

116 Function unavailable through Bank

The bank doesnt support the requested

transaction type

Retry transaction or contact

NAB Transact

117 Message Format Error

NAB Transact Payment Gateway couldnt correctly

interpret the transaction message sent

Retry transaction or contact

NAB Transact

118 Unable to Decrypt Message

NAB Transacts security methods were unable to

decrypt the message

Retry transaction or contact

NAB Transact

119 Unable to Encrypt Message

NAB Transacts security methods were unable to

encrypt the message

Retry transaction or contact

NAB Transact

System Response Code and Text

Description

Action

123 Gateway Timeout

Produced by NAB Transact Payment Gateway when

no response to the transaction has been received
from bank gateway within predefined time period

Contact NAB Transact

do not retry transaction

124 Gateway Connection Aborted

During Transaction

Produced by NAB Transact Payment Gateway

when connection to bank gateway is lost after the
payment transaction has been sent

Contact NAB Transact

do not retry transaction

125 Unknown Error Code

Produced by the bank gateway, textual description

of the actual problem is stored in the database

Contact NAB Transact

do not retry transaction

126 Unable to Connect to Gateway

NAB Transact Payment Gateway couldnt establish a

connection to Bank Gateway

Contact NAB Transact

do not retry transaction

131 Invalid Number Format

A sting entered cannot be parsed as an integer.

i.e. string must contain only digits, or preceding
sign

Correct the integer string

and retry

132 Invalid Date Format

Date entered does not follow the format DD/MM/

YYYY, where DD is the 2 -digit day of the month,
MM is the 2-digit month number, and YYYY is the
4-digit year number; also if month is < 1 or > 12, or
date is < 0 or > maximum days in that month

Correct the date & retry

133 Transaction for refund not in

database

Refund operation requested, and the original

approved transaction is not found in the database

Correct the Transaction

Reference and/or Bank
Transaction ID and retry

134 Transaction already fully refunded /

Only $x.xx available for refund

Refund operation is requested, and the given

transaction has already been fully or partially
refunded

The transaction cannot be

processed

136 Transaction already reversed

Reversal operation requested, and the given

transaction has already been reversed

The transaction cannot be

processed

137 Pre-auth transaction not found in

database

Complete operation requested, and the matching

approved pre-auth transaction is not found in the
database

Correct the Transaction

Reference and/or Pre-auth
code and retry

138 Pre-auth already completed

Complete operation requested, and the given

pre-auth has already been completed

The transaction cannot be

processed

139 No authorisation code supplied

Client performing Complete transaction did not

provide Pre-auth Code from original pre-auth
transaction

Correct the Pre-auth code

and retry

141 No transaction ID supplied

Client performing Refund/Reversal transaction did

not provide original Bank Transaction ID

Correct the Bank Transaction

ID and retry

142 Pre-auth was done for smaller

amount

Complete operation was requested but the amount

specified is greater the pre-authorised amount

Correct the amount & retry

143 Payment amount smaller than

minimum

The payment amount was smaller than the

minimum accepted by the merchant

Correct the amount & retry

or contact NAB Transact to
change minimum payment
amount

144 Payment amount greater than

maximum

The payment amount was greater than the

maximum accepted by the merchant

Correct the amount & retry

or contact NAB Transact to
change minimum payment
amount

System Response Code and Text

Description

Action

145 System maintenance in progress

The system maintenance is in progress and the

system is currently unable to process transactions

147 No Valid MCC Found

The merchant does not have a valid MCC (Merchant

Category Code) set up to complete this transaction
(Refers to Recurring transactions only at present)

152 Multi-currency not supported

by bank

The financial institution used for this payment only

accepts payments in Australian dollars (AUD)

Contact NAB Transact if you

believe your facility should
support non-AUD processing

153 External Database Error

A database error has occurred outside the NAB

Transact Payment Server

Contact NAB Transact

do not retry

175 No Action Taken

The payment was held in the processing queue too

long and was rejected without processing. Usually
a symptom of slow bank responses. Additional
terminal IDs may help solve this problem if it
occurs frequently

Contact NAB Transact

do not retry

190 Merchant Gateway Not Configured

The gateway for the merchant has been reserved,

but not yet configured to be live by NAB Transact
staff

Contact NAB Transact

195 Merchant Gateway Disabled

NAB Transact has disabled the merchant gateway

Contact NAB Transact

199 Merchant Gateway Discontinued

NAB Transact has discontinued the merchant

gateway

Contact NAB Transact

504 Invalid Merchant ID

If Merchant ID does not follow the format

XXXDDDD, where X is a letter and D is a digit or
Merchant ID is not found in NAB Transact database

Check transaction data and

try again

505 Invalid URL

The URL passed to either the Echo, Query, or

Payment object is invalid

Check transaction data and

try again

510 Unable To Connect To Gateway

Produced by the NAB Transact Client API when

unable to establish connection to the NAB Transact
Payment Gateway

Retry transaction. Contact

NAB Transact if still not
working

511 Gateway Connection Aborted

During Transaction

Produced by the NAB Transact Client API when

connection to the NAB Transact Payment Gateway
is lost after the payment transaction has been sent

Retry transaction. Contact

NAB Transact if still not
working

512 Transaction timed out by the

Client API

Produced by the NAB Transact Client API when

no response to the payment transaction has been
received from the NAB Transact Payment Gateway
within the predefined time period (default 80
seconds)

Retry transaction. Contact

NAB Transact if still not
working

513 General Database Error

Unable to read information from the database

Retry transaction. Contact

NAB Transact if still not
working

514 Error loading properties

The Payment Gateway encountered an error

while loading configuration information for this
transaction

Check transaction data and

try again

515 Fatal Unknown Error

Transaction could not be processed by the Payment

Gateway due to unknown reasons

Check transaction data and

try again

System Response Code and Text

Description

Action

516 Request type unavailable

The NAB Transact Payment Gateway does not

support the requested transaction type

Check transaction data

and try again. Contact NAB
Transact if still not working

517 Message Format Error

The NAB Transact Payment Gateway could not

correctly interpret the transaction message sent

Retry transaction. Contact

NAB Transact if still not
working

524 Response not received

The client could not receive a response from the

Payment Gateway

Retry transaction. Contact

NAB Transact if still not
working

545 System maintenance in progress

The system maintenance is in progress and the

system is currently unavailable and unable to
process transactions

Retry transaction. Contact

NAB Transact if still not
working

550 Invalid password

The Client API has attempted to process a request

with an invalid password

Check transaction data and

try again

575 Not implemented

This functionality has not yet been implemented

Check transaction data and

try again

577 Too Many Records for Processing

The maximum number of allowed events in a

single message has been exceeded

Check transaction data and

try again

580 Process method has not been called

The process method on either the Echo, Payment

or Query object has not been called

Check transaction data and

try again

595 Merchant Disabled

NAB Transact has disabled the merchant and the

requests from this merchant will not be processed

Contact NAB Transact

2010 National Australia Bank Limited ABN 12 004 044 937 AFSL 230686 76662A0810