A POS message of 54 on your ANZ device means: CARD EXPIRED The card has expired. Refer the cardholder to their bank. Seek another form of payment.. 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 54 on your ANZ terminal and the next steps you can take.
The response code 54 for the merchant ANZ means that the card used for the transaction has expired. This means that the validity period of the card has ended and it can no longer be used for making payments. To resolve this issue, the merchant should inform the cardholder about the expired card and advise them to contact their bank for a replacement. The merchant should also ask the cardholder to provide an alternative form of payment, such as another credit or debit card, to complete the transaction.
When the POS operator sees Response Code 54, which means “CARD EXPIRED” for the ANZ merchant, they should take the following steps:
1. Inform the cardholder that their card has expired.
2. Advise the cardholder to contact their bank for a replacement card.
3. Request another form of payment from the cardholder, such as a different credit or debit card.
4. Ensure that the cardholder understands the reason for the declined transaction and the need for a new card.
5. Complete the transaction using the alternative payment method provided by the cardholder.
It is important for the POS operator to handle the situation politely and assist the cardholder in finding a suitable solution for the expired card.
If you need more information on how to deal with a response code of 54 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.
