Westpac POS Code N2

A POS message of N2 on your Westpac device means: Bank Declined Transaction (NZ Only). We’ve outlined more details on what to do when you see this code below.

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Fix Westpac POS Response Code N2

In this article, we’ll look at why you’re seeing the code N2 on your Westpac terminal and the next steps you can take.

What is a Response Code N2?

The response code N2 from Westpac means that the bank has declined the transaction. This response code is specific to transactions made in New Zealand only. It indicates that the bank has refused to authorize the payment. There is no soft decline option available for this response code, which means that the bank’s decision is final and cannot be overridden. There are no additional reasons provided for this merchant, which suggests that the bank’s decision to decline the transaction is based solely on its own criteria and policies.

In simple terms, if you try to make a payment using Westpac in New Zealand and receive the response code N2, it means that the bank has said no to your transaction. This could be due to various reasons, such as insufficient funds, suspicious activity, or other factors determined by the bank. Unfortunately, there is no way to change their decision, and no further details are given about why the transaction was declined.

What do I do?

When the POS operator sees Response Code N2, which means the bank has declined the transaction (only in New Zealand), they should take the following steps:

1. Inform the customer politely that their transaction has been declined by the bank.
2. Advise the customer to contact their bank to understand the reason for the decline.
3. Offer alternative payment methods, such as using a different card or paying in cash.
4. If the customer insists on using the same card, suggest trying the transaction again after a short period, as it could be a temporary issue.
5. If the decline persists, apologize to the customer and ask if they have another form of payment available.
6. Thank the customer for their understanding and cooperation.

Remember to handle the situation professionally and provide assistance to the customer to ensure a positive experience.

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If you need more information on how to deal with a response code of N2 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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