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Bank Response Codes

Find following CBA COMMLINK Response Codes. These codes are returned in field 039 of the Record Of Transaction from the CardGate Payment Gateway. These codes are also returned by the CardGate Internet and LEMOTO Services.

Code Description Response Text
00 Transaction approved Approved!
01 Phone card issuer PLEASE CALL ISSUER
03 Phone the Authorisation Referral Centre ERROR - S/E NUMBER
04 Lost Card DECLINED
05 Credit transaction is not allowed DO NOT HONOUR
** See note 1 below
12 Invalid Transaction - declined ERROR-INVLD TRAN
13 The Transaction Amount is invalid ERROR-INVLD AMOUNT
14 The Card Number is invalid ERROR-INVLD CARD
19 Enter the Transactin again RE-ENTER TRANSACTION
21 No Action is taken for this transaction no message...
25 The Terminal is not Active or Able ERROR-TERM. INACTIVE
30 The message contains invalid Data ERROR-INVLD FORMAT
31 The Card is not accepted by the Host/Interchange ERROR - N S
39 No credit Account attached to Card NO CREDIT ACCOUNT
41 Lost Card DECLINED
43 Stolen Card DECLINED
51 Not sufficient Funds in the Account DECLINED
52 The card is not linked to the account selected DECLINED
54 The Card has Expired EXPIRED CARD
56 No record exists for this Card NO CARD RECORD
57 The transaction is not permitted for the Card TRANS NOT PERMITTED
58 The transaction is not allowed at the terminal TRANS NOT ALLOWED
61 The withdrawal limit has been exceeded LIMIT EXCEEDED
76 An incorrect descriptor has been entered ERROR - DESCRIPTOR
91 The Host is currently unavailable - try later ERROR - HOST UNAVAIL.
94 The Sequence Number is incorrect or the transaction is out of sequence ERROR - SEQUENCE NO
95 The Reconciliation Totals have not matched No message...
97 Reconciliation Totals have been reset No message...
99 Bank System Error or Duplicate Transaction Reference when not allowed INVALID_REQUEST
N0 CSC not provided - credit transaction is not allowed DO NOT HONOUR
N7 Decline for CVV2 failure (for Visa cards only) DO NOT HONOUR
Q5 Already settled - can't settle twice in a day SYSTEM ALREADY SETTLED
Z2 The transaction has already been reversed No message...
Z3 Transaction amount is greater than authorised AMOUNT TOO LARGE
Note 1COMMLINK groups the following responses under the generic "05" response
  • 12 - Invalid transaction
  • 13 - Invalid amount
  • 30 - Format error
  • 51 - Insufficient funds
  • 54 - Expired card
  • 56 - No card record
  • 57 - Transaction not permitted to cardholder
  • 61 - Limit exceeded

Updated: Wednesday, 19-Sep-2018 16:20:18 AEST