Westpac POS Code 61

A POS message of 61 on your Westpac device means: Exceeds withdrawal amount limits. We’ve outlined more details on what to do when you see this code below.

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Fix Westpac POS Response Code 61

In this article, we’ll look at why you’re seeing the code 61 on your Westpac terminal and the next steps you can take.

What is a Response Code 61?

The response code 61 from Westpac means that the withdrawal amount requested by the merchant exceeds the limits set by the bank. This is a soft decline, which means that the transaction can still be approved if the card holder has enough credit available. However, if the card holder does not have enough credit to cover the specified amount, this error will be returned. In such cases, the merchant should ask the card holder if they have another card that they can use for the payment.

In simple terms, this response code indicates that the requested withdrawal amount is too high according to the bank’s limits. It suggests that the card holder may not have enough credit on their card to pay for the transaction. The merchant is advised to check if the card holder has another card that they can use to complete the payment.

What do I do?

When the POS operator sees Response Code 61, which means the withdrawal amount exceeds the limits, they should take the following steps. First, they should check if the Soft Decline is enabled, which means the transaction can be retried with a different payment method. Then, they should inform the card holder about the issue and ask if they have another card that can be used for the payment. This error usually occurs when the card holder does not have enough credit to cover the specified amount. By asking for an alternative payment method, the operator can ensure a successful transaction without exceeding the withdrawal limits.

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If you need more information on how to deal with a response code of 61 showing on your Westpac terminal, we recommend that you speak to your Westpac 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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