NAB POS Code 78

A POS message of 78 on your NAB device means: Blocked first use or special condition, new cardholder not activated or card term block.. We’ve outlined more details on what to do when you see this code below.

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Fix NAB POS Response Code 78

In this article, we’ll look at why you’re seeing the code 78 on your NAB terminal and the next steps you can take.

What is a Response Code 78?

This response code (78) from NAB means that the merchant’s transaction has been blocked due to certain conditions. It could be because the card being used is new and has not been activated by the cardholder, or there may be a block on the card due to specific terms or conditions. In simple terms, the merchant should decline the transaction and not proceed with it.

What do I do?

When the POS operator sees Response Code 78, which means that the card is blocked for first use or has a special condition, such as being a new cardholder that has not been activated or the card has been blocked by the issuer, they should decline the transaction. This means that the payment cannot be processed using that card. The operator should inform the customer that their card has been declined and suggest alternative payment methods. It is important to prioritize the security of the transaction and protect both the merchant and the customer from potential fraud or unauthorized use of the card.

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If you need more information on how to deal with a response code of 78 showing on your NAB terminal, we recommend that you speak to your NAB 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.

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