Westpac POS Code QO

A POS message of QO on your Westpac device means: Missing Payment Instrument. We’ve outlined more details on what to do when you see this code below.

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Fix Westpac POS Response Code QO

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

What is a Response Code QO?

The response code “QO” from Westpac means that the payment instrument, such as a credit card or bank account, is missing or not provided by the customer. This code indicates that the transaction cannot be processed because the necessary payment information is not available. There is no soft decline option available for this response code, meaning that the transaction will be declined outright without any further attempts to process it. Additionally, there are no other reasons provided by the merchant for this response code, suggesting that the missing payment instrument is the sole reason for the decline.

What do I do?

When the POS operator sees the Response Code “QO” from Westpac, it means that the payment instrument is missing. The next steps they should take are to inform the customer about the issue and ask them to provide a valid payment instrument. They should also check if there are any other reasons for the decline, but in this case, there are none. The operator should not consider this as a soft decline, which means it is not a temporary issue that can be resolved later. It is important to communicate with the customer and resolve the missing payment instrument problem before proceeding with the transaction.

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