Westpac POS Code N9

A POS message of N9 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 N9

In this article, we’ll look at why you’re seeing the code N9 on your Westpac terminal and the next steps you can take.

What is a Response Code N9?

The response code N9 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 are no additional reasons provided for this decline.

This response code is given when the bank determines that the transaction cannot be approved. It could be due to various factors such as insufficient funds, suspicious activity, or the card being blocked. The merchant, in this case, does not have any specific additional reasons for the decline. It is important for the customer to contact their bank or financial institution to understand the exact reason for the decline and to resolve any issues that may have caused it.

What do I do?

When the POS operator sees Response Code N9, which means that the bank has declined the transaction (only in New Zealand), they should take the following steps:

1. Inform the customer 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 to the customer, 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 of time, as it could be a temporary issue.
5. If the decline persists, apologize to the customer for the inconvenience and suggest seeking assistance from their bank to resolve the issue.

Remember to remain polite and helpful throughout the process to ensure a positive customer experience.

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If you need more information on how to deal with a response code of N9 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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