A POS message of 51 on your ANZ device means: NOT AUTHORISED The transaction has been denied by the cardholder’s bank. Seek another form of payment and refer the cardholder to their bank.. We’ve outlined more details on what to do when you see this code below.
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In this article, we’ll look at why you’re seeing the code 51 on your ANZ terminal and the next steps you can take.
The response code 51 for ANZ means that the transaction has been declined by the bank of the person who owns the card. This could be because the cardholder does not have enough funds in their account or because the bank suspects fraudulent activity. To resolve this, the merchant should ask the cardholder to use a different method of payment, such as cash or another card. The cardholder should also be advised to contact their bank to find out why the transaction was not authorized.
When the POS operator sees Response Code 51, which means “NOT AUTHORISED,” they should take the following steps:
1. Inform the merchant, ANZ, that the transaction has been denied by the cardholder’s bank.
2. Advise the merchant to seek another form of payment from the customer.
3. Instruct the merchant to refer the cardholder to their bank for further assistance.
4. Ensure that the merchant understands that the current payment method is not authorized and an alternative payment option is required.
5. Remind the merchant to handle the situation politely and professionally, providing any necessary support to the cardholder during the process.
6. Encourage the merchant to document the incident for future reference or potential dispute resolution.
By following these steps, the POS operator can efficiently handle Response Code 51 and ensure a smooth payment process for both the merchant and the cardholder.
If you need more information on how to deal with a response code of 51 showing on your ANZ terminal, we recommend that you speak to your ANZ Bank Account Manager. If you’re looking for help with knowing what POS options are available, get in touch with one of our POS Experts.
