Response codes are two-digit alphanumeric format. Most transactions use summary response code (00 or 08). Unknown codes should be reported to Westpac. No specific codes for card verification number mismatches
Billing address is used for online transactions and receiving bills. It's the address associated with credit/debit cards for payments. Required for receiving bank statements, tax returns, and invoices
Payment processing errors are chargebacks that cannot be reversed through representment. Most payment errors occur when merchants manually intervene in the process. Payment networks have established rules that must be followed by merchants
Billing ZIP code verifies credit/debit card address during transactions. Code helps prevent fraud and ensures authorized card use
PIN is a numerical code used in electronic financial transactions. Most commonly used with debit cards for ATM withdrawals. Provides additional security to electronic transactions
CVV is a three or four-digit security code on credit/debit cards. Also known as CVC, CSC, CVN, or CID depending on issuer. Typically appears on back near signature, sometimes front