Batch Advantage User Guide

Batch Advantage

User Guide

Merchant Business Solutions

Help Desk 1800 029 749

Version: 9.0

Issue date: 28 October 2008

Westpac Banking Corporation ABN 33 007 457 141

2 Batch Advantage User Guide

Contents

Batch Advantage 1

1 Introduction 3 1.1 Your Obligations When Using This Facility 3 1.2 Online Help 3

2 Using the Batch Advantage Facility 4 2.1 Signing In for the First Time 4 2.2 Manage Users 5 2.3 Setting Your Preferences 9 2.4 Merchant Details 10 2.5 Download Guides & Supporting Documents 11

3 Batch Files 12 3.1 Uploading Your Batch Files 12 3.2 Creating a Batch Online 12 3.3 Confirming a Batch File 13 3.4 Batch Summary Report 14 3.5 Transaction Reports 16 3.6 Edit or Delete a Transaction 17 3.7 Edit or Delete a Batch 18 3.8 Recent Uploads 18 3.9 Unsent Batches 19 3.10 Scheduled Batches 19 3.11 Processed Batches 20 3.12 Create a Copy of a Processed Batch 21

4 Ad-hoc Transactions 22 4.1 Creating an Ad-hoc Transaction 22 4.2 Transaction Search 23 4.3 Refund a Transaction 24

5 Settlement Report 26

6 Reprocessing Declined Transactions 28 6.1 Setting Reprocessing Options 28 6.2 Manual Reprocessing 28 6.3 Viewing Reprocessing Reports 29

7 Updating Your Information 31 7.1 Update Your Details 31 7.2 Change Password 31

8 Signing Out 32

9 Security & Browser Settings 33

10 Authorisation Response Codes 35

Batch Advantage User Guide 3

1 Introduction

Westpacs Batch Advantage is a secure web based solution that enables you to process mail

order, telephone order (MOTO) and/or periodic payments. All transactions are authorised and

can either be submitted via a batch file or as individual transactions. Visa, MasterCard,

American Express and Diners Club cards are supported.

Qvalent, a fully owned subsidiary of Westpac Banking Corporation, has developed and hosts the

Batch Advantage website.

This guide outlines the features of Batch Advantage and provides step by step examples of how

to use those features.

1.1 Your Obligations When Using This Facility We recommend that you read the website terms & conditions before you enter the website.

In line with the Merchant Terms & Conditions, you should ensure you do not attempt to process

transactions where the recurring authority has been cancelled or the transaction is duplicated.

You should save the batch file in a secure environment in your PC or server and with appropriate

security e.g. password protected. You should also ensure the file is not saved in a location

where any internet accessible files are stored. This would help minimise any compromise of the

card details that are stored on your PC or server.

For periodic payments, we recommend that you should use the copy batch feature online to

process those payments as required.

The merchant is responsible for any employee fraud and so the maintenance of users in your

organisation is the responsibility of the merchant. If users leave the employment of the

merchant, the merchant must ensure the user is disabled in the Batch Advantage website

immediately.

1.2 Online Help When you are using the website, you can get help at any time on each page.

To view the online help click on Help.


2 Using the Batch Advantage Facility

After you are approved for the Batch Advantage facility, you will be provided with a primary login

name and temporary password to enable you to access the Batch Advantage website. This

primary username and password will have User Administrator access to the website. The User

Administrator access should be provided to a senior member of your organisation. Remember

that additional logins with different levels of access can be created by the User Administrator. If

the User Administrator loses their password, they should call the Merchant Business Solutions

Help Desk on 1800 029 749 (8.30am 5pm, Monday to Friday). All other users should contact

their User Administrator to reset their passwords.

2.1 Signing In for the First Time On your first login you will be required to change your password. To login and change your

password, you must do the following:

1. Enter the following URL into your browser: www.batchadvantage.qvalent.com

2. The Batch Advantage Sign In page will appear as below

3. Enter your login name and temporary password.

4. Check the details are correct and press Sign in.

5. Enter your current temporary password


6. Enter your new password (should be at least 8 alphanumeric characters long eg.

secretword12)

7. Re-enter your new password to confirm.

8. Press Submit

Password Reminder:

You should change your password regularly.

Password should be at least 8 alphanumeric characters.

You should not use a password that can easily associated with you (e.g. containing your business name, your date of birth, telephone number, driver licence number, names of

family members etc) or one that was previously used.

2.2 Manage Users User Administrators can create new users or edit and delete existing users. They will also need

to reset the passwords of other users in the organisation. If the User Administrator is the only

user in the company, we recommend that you should create a different user to submit

transactions and only use the User Administrator user to manage the other user. This way you

can reset the password at any time.

Creating New Users

The User Administrator can create new users with different roles. We recommend that you

create different users to perform specific tasks. A user can be assigned the following roles:

Batch Creator create & view batch files

Authorise Batches authorise batches submitted by other users if you have selected dual authorisation (requires Batch Creator role)

Refund Processor refund transactions (requires Batch Creator or Ad-hoc Transaction Processor role)

Ad-hoc Transaction Processor create & view ad-hoc transactions

User Administrator manage users

To create a new user, you should follow these steps:

1. Click Administration on the left navigation menu.

2. Click Manage Users on the left navigation menu.

3. Click Create New User on the Manage Users screen.


4. Choose a login name for the user which is at least 6 characters long. The login name could

be users first name and surname e.g. johnsmith.

5. Enter the users full name and date of birth.

6. Enter the phone, fax & mobile numbers.

7. Enter their email address.

8. Assign the roles to the user.

Note: You should select at least select Batch Creator or Ad-hoc Transaction processor. You

cannot select Authorise Batches or Refund Processor without selecting Batch Creator or Ad-hoc

Transaction Processor.

9. Enter your own password and press Save.

10. A temporary password is generated for the new user.

11. Provide the login name and temporary password to the user.

Note: For security reasons, we recommend that you should not provide the login name and

temporary password to the user via email. You should instead provide it in person or over the

phone.


Edit or Disable an Existing User

To edit an existing user, use the following steps:

1. Press Edit on the Manage Users screen.

2. Change the details you need to change on the screen below

3. Enter your own password and press Save

To delete or disable an existing user, use the following steps:

1. Press Edit on the Manage Users screen.

2. Click on the Disable button.

3. Enter your own password and press Save.


Resetting a User Password

Users will need to contact their User Administrator to reset their password if they are locked out

of the system.

Note: Users should not contact the Merchant Business Solutions helpdesk for password resets

as they will be referred back to their user administrator.

A User Administrator can reset a users password through the following steps:

1. On the Manage Users screen, select the user and press Reset Password.

2. Enter your own password and press Reset Password.

3. Provide the user their temporary password.


2.3 Setting Your Preferences A User Administrator can set preferences for your facility as follows:


2. Click Set Preferences on the left navigation menu.

3. Update the preferences on the page.

4. Press Save

The online help contains information about each of the preference settings to help you choose

which option is most applicable for you.

Upload Option

There are two upload options available. The Wizard option allows your users to edit the batch

after it has been uploaded and create new batches through the web site. The Express option

does not give your users these abilities. If your batch files are generated by a computer system,

you should choose the Express option.


Upload File Format

You should select the file format that best suits you. The accepted file formats are:

Merchant Transmission Service (MTS) if you previously used the Westpac MTS solution.

Other Batch Format 1 if you currently use a batch solution from another financial institution.

Excel template if you will be using the Westpac Excel template.

Auto-Detect From Uploaded File if you use more than one file format.

Dual Authorisation

Batch Advantage allows you to select whether your company requires dual authorisation for

processing of batches. If you check the Dual Authorisation box, each batch must be submitted

by two separate users before it will be processed. Otherwise, users may submit batches for

processing without approval from anyone else. Enable Dual Authorisation if your company's

internal processes require this feature.

2.4 Merchant Details If you have multiple merchant IDs, we recommend that you add a description for each merchant

ID to help you easily differentiate the different merchant facilities. A User Administrator can add

a description for each merchant ID as follows:


2. Click Merchants on the left navigation menu.

3. Enter a description against each merchant ID.

4. Press Save.

American Express or Diners Merchant Facility

If you want to process American Express or Diners cards through Batch Advantage, you will

need to register the American Express or Diners facility to each Westpac merchant facility.

To add American Express or Diners facility, you need to:

1. Click the Register to accept Amex or Diners through Batch Advantage link.

2. Enter the 10 digit American Express or Diners merchant ID and press Continue.

3. Tick all the boxes if you accept the registration pre-requisites and press Submit.


You will then receive an email confirming your registration. Within 5 business days you will

receive another email to confirm when you can start processing American Express or Diners

card transactions.

2.5 Download Guides & Supporting Documents You can use this screen below to download this user guide, the Excel batch template and other

supporting documents that are available from time to time.


3 Batch Files

The Batch Advantage batch module allows you to create batch files through another application

(eg. accounting software or Excel template) or you can create batch files online.

3.1 Uploading Your Batch Files You can upload files using the following steps:

1. Save your batch file with a name you can easily remember.

2. Enter your login name and password to enter the website.

3. Click Upload File on the left navigation menu.

4. Click Browse to search for your file, click on the file name and press Open.

5. Press Upload File to upload the file.

6. Press Refresh on the next screen after a short while to see the status of the file. The time

taken to upload the file depends on the size of the file.

If there were no errors in the file, you will be asked to confirm that you now want the file to be

processed. Refer to Section 3.3 to see how you can confirm a file. If there were errors, you will

need to correct the errors before you can submit the file.

Note: Ensure you have the right upload file format set in Set Preferences before you upload the

file.

3.2 Creating a Batch Online You can create batch files on the website as follows:

1. Click New Batch on the left navigation menu.

2. Enter a batch name, select a merchant ID and value date and press Save.


3. Press Add New Transaction to create new transactions.

4. Enter transaction details for the new transaction.

5. Press Save to add the transaction to the batch.

6. Press Add New Transaction if you want to add another transaction.

7. If you want to submit the batch, press Submit.

3.3 Confirming a Batch File After you submit your batch file, you will need to confirm the processing of the file. Your

confirmation is your acknowledgment that you want the file to be processed.

Press Confirm to process the file.


Once the file is confirmed, the following page will appear:

The status will appear as Processing when the file is processing. Press Refresh to view the

updated status of the file. The status will change to Processed when processing has been

completed and the summary report will be displayed.

3.4 Batch Summary Report The Batch Summary Report will appear once the file has been processed. The report will show

the settlement value for this particular batch as well as the transaction reports you can

download. You can also view the declined transactions if there are any.


To view the declined transactions, press View Declined Transactions.

The Declined Transactions screen shows the declined transactions grouped by response code.

To view a list of declined transactions for a particular response code, click the response code.


3.5 Transaction Reports You can download a number of different reports from the screen below. The following report

formats can be downloaded:

Summary report shows the settlement details for the batch.

Transaction report shows all transactions with their authorisation responses.

Declined Transaction report shows only declined transactions with their response codes.

MTS Rejects report shows the declined transactions in the MTS file format.

Other Batch Format 1 shows all transactions with their authorisation responses.

To download a report,

1. Select the report that you want to download.

2. Press Download.

3. Save the report in a secure location on your PC or server.

You will be required to enter your password before you can download the MTS Rejects report or

the Other Batch format 1 report. The password is required as both reports contain credit card


numbers. The MTS Rejects or Other Batch Format 1 reports can only be downloaded if either

file format or Auto-Detect was selected in Set Preferences.

3.6 Edit or Delete a Transaction If you selected the Wizard file upload option in Set Preferences, you will be able to delete or

edit transactions in unsent batches.

To delete a transaction in a batch, select the transaction, press Delete and OK.

You can edit a transaction in a batch as follows:

1. Select the transaction that you want to edit.

2. Press Edit.

3. Change the transaction details that you want to change.

4. Press Save.


3.7 Edit or Delete a Batch Unsent batches can be edited or deleted. To delete a batch, select the batch and then press

Delete and OK.

To edit a batch:

1. Select a batch from the batch list.

2. Press Edit.

3. Change the details that you want to change (Batch Name, Value Date or Merchant ID).

4. Press Save to just save the change or press Submit if you want to save and submit the

batch.

3.8 Recent Uploads If you have recently uploaded a batch but have not submitted it, then you can find the batch by

clicking Recent Uploads on the left navigation menu. This page will show you the status of the

upload as well as the number of batches in the file. To view a file, either click on the file name or

select a file and then press View Details.


3.9 Unsent Batches The Unsent Batches screen shows all the batches that were successfully uploaded or created

online but have not been submitted. This screen allows you to edit, delete or submit a batch.

3.10 Scheduled Batches The Scheduled Batch feature allows you to select a future date on which the file will be

processed. This feature allows you to create and submit files before the processing date.

Scheduled batches will be processed after 3am on the value date.

If you are uploading a file, the date field in the file header should contain the future value date to

a maximum of 10 days. Refer to your file format specifications to see the location of the date

field.

Edit the value date for an uploaded file

If you are unable to change the value date in the file, you should change the value date by

editing the batch online before you submit it.

To change the current value date to a future date,

1. Upload the file (do not Confirm the file).

2. Go to Unsent Batches and select the file and press Edit.

3. Select the future value date using the date picker.

4. Save the change by pressing Save or press Submit to save and submit the batch.


Creating a future dated batch online

When you are creating a batch online, select a future date in the value date field to create a

scheduled batch.

Cancelling a Scheduled Batch

Scheduled batches must be cancelled before 3am on the value date or else they will be

processed. It is you responsibility to cancel a batch if you do not want it to be processed.

Cancelling a scheduled batch will return it to the list of unsent batches. From there it may be

edited before being submitted again or deleted permanently.

3.11 Processed Batches Once a batch has been processed, it will appear on the Processed Batches screen. This

screen can also be used to view the details of a processed batch or download the transaction

report.


3.12 Create a Copy of a Processed Batch If you process periodic payments (e.g. membership fees), we recommend that you create copies

of processed batches online instead of storing the transactions on your PC or server. This will

not only save you the time you spend creating a new batch, it will ensure that you dont

compromise any card details in the event of an attack on your PC or server as you wont need

to store any card details after you create your first file.

To create a copy:

1. Go to Processed Batches and click on the name of the batch that you want to copy.

2. Press Create Copy to create a copy of the batch.

3. Press Create Copy (again on the next page) to confirm that you want to copy the file.

4. Change the name of the batch so you can easily differentiate the copy from the original

batch. For example, the new batch could be saved as June08fees for June 2008 fees.

5. Change the value date or merchant ID if required and then press Save.

6. Add New Transaction to the batch if required.

7. Edit or Delete an existing transaction in the batch if required.

8. Save the changes by pressing Save to just save the changes or press Submit to save the

change and submit the batch now.


4 Ad-hoc Transactions

The Ad-hoc transactions feature allows you to submit a single transaction at a time. When you

submit an ad-hoc transaction, you will get an immediate authorisation response.

4.1 Creating an Ad-hoc Transaction You can submit ad-hoc transactions as follows:

1. Click on Ad-hoc Payment on the left navigation menu.

2. Select the merchant ID that you want to use to process the transaction (if you have multiple

merchant facilities).

3. Enter the details for the transaction (the Card Verification Number is optional).

4. Press Continue to review the transaction details.

Note: We highly recommend that you collect the Card Verification Number if you receive

telephone orders from your customers. You must never store the Card Verification Number.

You must not collect it for mail orders.

5. Press Confirm Transaction to make the payment.

Once the transaction is processed, you will see the results on the Ad-hoc Transaction Summary

page.


6. Press Process New Transaction to enter another ad-hoc transaction. Press Search For

Transactions to search for previously processed transactions. Press Print Receipt to view

a printable version of the transaction details.

4.2 Transaction Search You can view the details of an individual ad-hoc or batch transaction as follows:

1. Select Search Transactions on the left navigation menu

2. Enter one of the following combinations:

Just the Transaction Date to find all transactions on a given day,

The Transaction Date and Reference to find a transaction by reference number on a given day, or

Just the Card Number to find all transactions for a given card number.

3. Select the type of transaction(s) you are searching for:

Batch Transactions Only,

Ad-hoc Transactions Only, or

All Transactions

4. Press Search to view the transaction list


5. Select the transaction of interest and press View Details.

6. Alternatively, if you wish to export this list of transactions to a CSV file, press Export. You

can use this export facility to keep track of all your past Batch Advantage transactions.

Note: Only transactions that have occurred within the last 220 days will appear in the transaction

list.

4.3 Refund a Transaction You can refund a batch or ad-hoc transaction up to the original amount. To refund a transaction,

1. Search for the transaction (see section 4.2 for more details).

2. Select the transaction that needs to be refunded and press Refund.

3. Enter a new reference number to identify the refund transaction.

4. Enter the amount you want to refund.

5. Press Continue.


6. Press Confirm Transaction to process the refund.

The result of the refund transaction will then appear.

7. Press Process New Transaction to enter a new ad-hoc transaction. Press Search For

Transactions to search for previously processed transactions. Press Print Receipt to view

a printable version of the refund transaction details.


5 Settlement Report

The Approved Value in the settlement report shows you the total value that will appear on your

bank statement. We recommend that you use this report to reconcile the value deposited into

your bank account.

To view the settlement report for a different settlement date, choose the date using the date

picker and then press Display.

Note: The settlement report shows all batch and ad-hoc transactions processed before the

settlement cut-off time. If a file was processed over two settlement dates, then you will need to

see the settlement report for both days to reconcile your settlement value.

You can see which batches and ad-hoc transactions contributed to your settlement value by

clicking on the name of the card scheme, or by selecting the settlement record and pressing

View Details.


This screen shows the batches and ad-hoc transactions that contributed to the selected

settlement value. You can view the details of a batch or group of ad-hoc transactions by

selecting it and pressing View Details.


6 Reprocessing Declined Transactions

If you purchased the Batch Advantage Plus product, you have the ability to reprocess your

declined batch transactions. This can greatly reduce the number of declined transactions you

have to manually follow up with your customers. You can configure either manual or automatic

reprocessing, depending on your business processes.

Only soft decline transactions will be reprocessed. These are transactions that received

response codes such as insufficient funds. Transactions that received response codes such as

expired card will not be reprocessed. Automatic reprocessing will occur after 4am on the

designated business day.

6.1 Setting Reprocessing Options Reprocessing options can only be set by your facilitys User Administrator. To set your

reprocessing option:

1. Select Set Preferences from the left navigation menu.

2. Set the Batch Reprocessing Option to one of the following: No Reprocessing, Automatic

Reprocessing or Manual Reprocessing.

3. If you select Automatic Reprocessing, you must also select the number of business days

after which the transactions will be reprocessed. This value must be between 2 and 14.

Westpac recommends that you choose 4 business days as this has shown to give the best

balance between timeliness and approved transactions.

4. You can also choose a Default Report Type which will be pre-selected for you when you

view a Batch Summary Report. See section xxx for more information.

6.2 Manual Reprocessing If you choose manual reprocessing, you must manually reprocess each batch file via the Batch

Advantage web interface as follows.

1. View the processed batch in question.

2. Press the Reprocess Declined Transactions button.


3. Enter the date you wish the transactions to be reprocessed. This date must be at least 2

business days after the original processing attempt.

4. Press Reprocess Declined Transactions.

6.3 Viewing Reprocessing Reports Once a batch has been reprocessed, extra report types will be available from the Batch

Summary Report screen. The report types can be applied to any report format. These report

options are as follows:


1. Consolidated Batch this report lists the final result of transaction processing. For example,

if a transaction was declined in the first processing attempt, but approved in the second

processing attempt, this report will show that transaction as approved. Use this report to

see which customers have paid and which have not.

2. Original Batch Only this report type shows the results of the original processing attempt.

Not information about reprocessed transactions is included.

3. Reprocessed Batch Only this report type shows the results of the reprocessing attempt.

Only transactions that were reprocessed are included.


7 Updating Your Information

You can update your personal information and password using the Update Your Details and

Change Password screens.

7.1 Update Your Details To update your personal details:

1. Select Update Your Details from the left navigation menu.

2. Update your personal details as necessary.

3. Press Save.

7.2 Change Password You should change your password as soon as you believe it may be compromised.

To change your password:

1. Select Update Your Details from the left navigation menu.

2. Press Change Password.

3. Enter your current password.


4. Enter your new password.

5. Re-enter your new password.

6. Press Submit.

8 Signing Out

We recommend that you should sign out (log out) out of the system when you dont need to use

the system or are away for your PC. This will ensure that your user access is not used by

anyone else.

To sign out, press the Sign Out button on the left navigation menu. When you are ready to sign

in, press Sign In Again.


9 Security & Browser Settings

Compatible browsers

To use Batch Advantage and ensure the highest level of security, the following browser and

platform versions are recommended.

Win 2000 Win XP Win XP (SP2) Max OS X

Internet Explorer 6.00 6.00 7.00

Mozilla Firefox 1.5.0.2 1.5.0.2 2.00 2.00

Safari 2.00

We have tested many browser settings and the above versions are suggested to optimise your

online experience.

Please Note: Following the decision by AOL (the vendors of Netscape browsers) to cease

development and support of Netscape browsers, we no longer recommend or support the use of

these browsers to access Batch Advantage.

Non-compatible browsers: If you are not using one of the browser versions listed above, you

may wish to download the latest version.

Check you are connected to the legitimate Batch Advantage website

Every time you connect to Batch Advantage, the service sends your browser a piece of

information called a "digital certificate". This certificate securely identifies the site you are

connecting to, and is used to establish the encrypted session. This certificate has been digitally

signed" by Verisign, the most recognised issuer of digital certificates in the world. Most browser

software is written to automatically recognise any certificate signed by Verisign. You can view

the contents of the certificate when you are connected to the internet.

For Microsoft Internet Explorer, to view the details of the certificate double-click on the closed

padlock icon displayed on the status bar (IE6) or next to the address bar (IE7).

For Firefox:

1. Click on the closed padlock icon displayed on the status bar

2. Select Security and then press View.

When viewing the certificate ensure that:

1. It has been Issued to www.batchadvantage.qvalent.com

2. The Issued by section refers to Verisign.

3. Todays date is within the valid date range.

Each certificate also has a digital fingerprint which is essentially a string of numbers. Like any

fingerprint, it is unique. For security purposes it is updated annually when each digital certificate

is updated.

Confirm that your data is encrypted

When you sign into Batch Advantage, a secure session will be established between your

computer and the Bank. You will not be able to connect to the Batch Advantage sign in page

unless your browser connects with full 128-bit SSL encryption. You can confirm your Batch

Advantage session is encrypted by ensuring a symbol of a lock appears at the foot of the

browser.


Shared computers

A public (or shared) computer is any PC that can be used by someone other than you. For

example, a friend's computer, those at Internet cafes, libraries, schools, shopping centres,

hotels, airports, pubs, youth hostels and some workplaces where more than one person has

access to the same PC.

A public computer may not be as safe as a private computer. Possible risks include:

Increased viruses

Unauthorised software

Maximum security options not set

When using shared computers we recommend you follow these steps to help safeguard your

privacy:

Be conscious of your surroundings and ensure no-one is standing behind you looking over your shoulder.

Sign out of Batch Advantage by clicking on the Sign Out button.

Close the browser by clicking on the 'X' icon, usually located at the top right hand side of the screen.

Change your password at your earliest convenience.

If you are not sure about the security level of the public computer you are using, we recommend

you find a more secure PC.


10 Authorisation Response Codes

The following table provides a full list of response codes that may be received through your

Batch Advantage facility. In normal operation, the response codes you will receive will be a small

subset of the full list.

If you receive a reject, take the following steps to resolve the issue:

1. Read the error description. In many cases, the cause of the issue may be easily determined

from the error description e.g. 51 Not Sufficient Funds.

2. Double-check your transaction details. Before contacting the cardholder, check that you

have entered the correct details for the transaction.

3. Contact the cardholder. If a transaction has been rejected and you cannot determine the

reason, you should go back to the cardholder as the first point of contact. With the

cardholder, you may agree to retry the transaction, correct the card details or try alternative

card details. Most rejection codes are returned from the cardholders financial institution, so

the cardholder may need to contact the financial institution that issued the card to them to

understand why a transaction was rejected.

4. If you cannot resolve the reason for the rejection through the above means, contact us on

1800 029 749 and we will assist.

Code Description Approved or

Declined

00 Approved or completed successfully Approved

01 Refer to card issuer Declined

02 Refer to card issuers special conditions Declined

03 Invalid merchant Declined

04 Pick-up card Declined

05 Do not honour Declined

06 Error Declined

07 Pick-up card, special condition Declined

08 Honour with identification Approved

09 Request in progress Declined

10 Approved for partial amount Approved

11 Approved VIP Approved

12 Invalid transaction Declined

13 Invalid amount Declined

14 Invalid card number (no such number) Declined

15 No such issuer Declined

16 Approved, update Track 3 Approved

17 Customer cancellation Declined

18 Customer dispute Declined

19 Re-enter transaction Declined



Declined

20 Invalid response Declined

21 No action taken Declined

22 Suspected malfunction Declined

23 Unacceptable transaction fee Declined

24 File update not supported by receiver Declined

25 Unable to locate record on file Declined

26 Duplicate file update record, old record replaced Declined

27 File update field edit error Declined

28 File update file locked out Declined

29 File update not successful, contact acquirer Declined

30 Format error Declined

31 Bank not supported by switch Declined

32 Completed partially Declined

33 Expired card Declined

34 Suspected fraud Declined

35 Card acceptor contact acquirer Declined

36 Restricted card Declined

37 Card acceptor call acquirer security Declined

38 Allowable PIN tries exceeded Declined

39 No credit account Declined

40 Request function not supported Declined

41 Lost card Declined

42 No universal account Declined

43 Stolen card, pick up Declined

44 No investment account Declined

51 Not sufficient funds Declined

52 No cheque account Declined

53 No savings account Declined

54 Expired card Declined

55 Incorrect PIN Declined

56 No card record Declined

57 Transaction not permitted to cardholder Declined

58 Transaction not permitted to terminal Declined

59 Suspected fraud Declined



Declined

60 Card acceptor contact acquirer Declined

61 Exceeds withdrawal amount limits Declined

62 Restricted card Declined

63 Security violation Declined

64 Original amount incorrect Declined

65 Exceeds withdrawal frequency limit Declined

66 Card acceptor call acquirers security department Declined

67 Hard capture (requires that card be picked up at ATM) Declined

68 Response received too late Declined

75 Allowable number of PIN tries exceeded Declined

90 Cutoff is in process (Switch ending a days business and starting the

next. The transaction can be sent again in a few minutes). Declined

91 Issuer or switch is inoperative Declined

92 Financial institution or intermediate network facility cannot be found

for routing Declined

93 Transaction cannot be completed. Violation of law Declined

94 Duplicate transmission Declined

95 Reconcile error Declined

96 System malfunction Declined

97 Advises that reconciliation totals have been reset Declined

98 MAC error Declined

Q3 Payment Gateway Connection Error Declined

Q4 Payment Gateway unavailable Declined

QA Invalid parameters Declined

QD Invalid Payment Amount - Payment amount less than

minimum/exceeds maximum allowed limit Declined

QE Internal Error Declined

QQ Invalid Credit Card / Invalid Credit Card Verification Number Declined

QV

Invalid Capture Order Number specified for Refund,

Refund amount exceeds capture amount, or

Previous capture was not approved

Declined

QY Card Type Not Accepted Declined

QZ Zero value transaction Approved

Westpac Banking Corporation ABN 33 007 457 141

2005-2008 Westpac Banking Corporation