About Response Codes
Bank of Melbourne will be using Response Code categories to help you and your customers understand why a transaction has been declined. If you have a declined transaction, check the Response Code number, then follow the instructions on how to process the transaction.
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Frequently asked questions
What are Response Codes?
Response Codes are numeric codes located on a transaction receipt that indicate whether a transaction has been approved or declined.
Bank of Melbourne will be using Response Code categories to help you and your customers understand why a transaction has been declined. This change may benefit you by improving your authorisation rates and better enhancing the overall transaction processing with your customers.
When will this change happen?
The Response Code categories for how you process declined transactions will come into effect on 1 May 2022.
What are the Response Code categories?
|Response Code Category||Response Code Description||What you need to do|
|1||Issuer will never approve||Don’t attempt the transaction again|
|2||Issuer cannot approve at this time||
Confirm the card details
Check the Response Code for your next action
|3||Data Quality / Revalidate payment information||
Check the transaction information to ensure the data is valid
Try the transaction again (you can do this on the same day)
|4||Generic Response Code||
Check the error code
Try the transaction again
What if the Response Code description is different to the declined transaction receipt?
If the Response Code text description is different to the description on the declined transaction receipt, we suggest you contact your Gateway provider for guidance on what actions you need to take.
Accessibility support: At any time, you can inform us how you would prefer to be contacted. If you are deaf and/or find it hard hearing or speaking with people who use a phone, you can reach us through the National Relay Service (NRS). To use the NRS, you can register here: https://internet-relay.nrscall.gov.au.
Applications for payment solutions are subject to approval. Terms and Conditions and fees and charges apply. Full details are available on request or at https://www.bankofmelbourne.com.au/merchant-terms.