Tyro Error codes

Tyro Error codes

A Decline Code means Tyro has attempted a transaction and has been declined by the card issuer.
Below is a list of Decline Code's, Meanings and Description.
In most cases, the card holder will need to contact their issuer but there could be an instance where there is a problem e.g. a bank link has gone down.

00	TRANSACTION APPROVED	The requested transaction has been approved.
01	NOT AUTHORISED	Card Issuer has declined the payment request.
02	DECLINED - CONTACT BANK	Card Issuer has had special conditions applied to the card.
03	CONTACT MERCHANT BANK	Merchant ID not found on Bank's System.
04	DECLINED - CONTACT BANK	Card Issuer has declined the transaction and requested the card be retained.
05	DECLINED - CONTACT BANK	The bank that issued this card to your customer has imposed some special conditions on the card or the use of the card. This could also indicate that the use of the card has been temporarily suspended.
06	DECLINED - CONTACT Anchor	The message sent by the terminal to the bank's system contained an error.
07	SYSTEM ERROR	Card Issuer has declined the transaction and requested the card be retained.
08	TRANSACTION APPROVED	This transaction is approved subject to the usual fraud checks and the operator's satisfactory assessment that the card user is the legal user and that signatures match.
12	INVALID TRANSACTION	The bank that issued this card to your customer has declined the transaction as the type of transaction is not valid for the type of card. e.g. Selecting to pay from a credit card account with standard issue EFTPOS card.
13	INVALID AMOUNT	The transaction amount is invalid. Call 1300 966 639 to see if there are any restrictions on your account
14	CARD NOT VALID	The Credit Card number presented is Invalid. This could be because the card number or card series has been revoked or the number was simply miskeyed.
15	CARD NOT VALID	The Credit Card number presented is Invalid. This could be because the card number or card series has been revoked or the number was simply miskeyed.
19	RETRY TRANSACTION	The transaction has not been processed.Retry the transaction.
21	SYSTEM ERROR	Reversal Approved
30	FORMAT ERROR	Message Format Error.
31	CARD NOT VALID	The Card Issuer is not supported.
33	EXPIRED CARD	Card has expired
36	SYSTEM ERROR	Restricted Card
38	SYSTEM ERROR	Card Issuer has indicated that the card has exceeded the maximum number of PIN tries.
39	NO CREDIT ACCOUNT	There is no credit account linked to the card.
41	CONTACT BANK	Card has been reported as lost.
42	SYSTEM ERROR
43	CONTACT BANK	Card has been reported as stolen.
51	DECLINED - CONTACT BANK	Card/account has insufficient funds for this transaction.
52	NO CHEQUE ACCOUNT	No cheque account connected to card.
53	NO SAVINGS ACCOUNT	No savings account connected to card.
54	DECLINED - EXPIRED CARD	Card has expired
55	INVALID PIN	Cardholder PIN has failed validation
56	CONTACT YOUR BANK	Card Issuer has no record of the card.
57	INVALID TRANSACTION	Card Issuer has indicated that the transaction is not permitted to cardholder
58	TRAN NOT ALLOWED	Transaction not permitted on this terminal.
59	DECLINED - CONTACT BANK	Card Issuer has indicated that the card is suspected as being fraudulent
60	CONTACT BANK	There has been a problem processing the transaction.
61	CONTACT YOUR BANK	Transaction will exceed card/account withdrawal frequency limit.
62	SYSTEM ERROR	Card Issuer has indicated that there are restrictions placed on the card.
63	SYSTEM ERROR	The terminal's verification code has failed certification.
65	CONTACT YOUR BANK	Transaction will exceed card/account withdrawal frequency limit.
67	CONTACT BANK	Card issuer has indicated the card is suspected counterfeit.
75	EXCEED PIN TRIES	Card Issuer has indicated that the card has exceeded the maximum number of PIN tries.
91	BANK NOT AVAILABLE	Link with the Card Issuer is not available or unable to route transaction to the issuing bank.
92	BANK NOT AVAILABLE	Link with the Card Issuer is not available or unable to route transaction to the issuing bank.
96	SYSTEM ERROR	There has been a problem processing the transaction.
98	MAC ERROR	The secure encryption device and the acquiring bank don't agree on the key used in the transaction; therefore, the acquiring bank is rejecting the transaction.

00	ACCEPTED
01	DECLINED
03	CAPTURE_CARD
04	CALL_ISSUER
13	INVALID_AMOUNT	The transaction amount is invalid. Call 1300 966 639 to see if there are any restrictions on your account If it's DCC refund, you may have manually input the wrong foreign currency amount.
14	INVALID_CARD_NUMBER
21	NO_MATCHING_AUTHORISATION_FOR_REVERSAL
30	FORMAT_ERROR
58	TRANSACTION_NOT_PERMITTED_TO_THE_TERMINAL
69	MOTO_NOT_ALLOWED	Call Customer Support on 1300 966 639 to see if there are any restrictions on your account
83	CONTACTLESS_NOT_ALLOWED	Insert or swipe the card. This action code was introduced until all the Eftpos schemes will get to the EPAL hub.
87	CASH_OUT_NOT_ALLOWED	Cash out not supported for this scheme. Do a purchase without cashout.
91	ISSUER_NOT_AVAILABLE
92	UNROUTABLE_TRANSACTION	We don't have information about the bin (first 6 digits of the card number) on the card that they trying to use.
94	DUPLICATE_TRANSACTION
96	SYSTEM_ERROR	Some problem on our side. This transaction will be reversed.
96	TIMED_OUT	Some problem on our side. This transaction will be reversed.
98	SECURITY_ERROR
TE	SWITCH_INCAPACITATED

Y3	EPAL_FALLBACK_APPROVED_OFFLINE	EPAL Chip transaction < $100 that was sent to the EPAL HUB was approved offline because the issuer was unavailable.
Z3	EPAL_FALLBACK_DECLINED_OFFLINE	EPAL Chip transaction > $100 that was sent to the EPAL HUB was declined offline because the issuer was unavailable.
Z1	APPROVED_OFFLINE	Use another card or different payment type (try contactless or magstripe instead of chip for example). Transaction was declined offline by the card. It could happen before we sent transaction to the issuer or even after it has been approved by the issuer. In the second case this transaction would be reversed by the termina

Reference

https://help.tyro.com/s/article/Why-was-the-transaction-declined