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Reporting of declines in ATM transactions

RBI/2012-13/382
DPSS.CO.PD.No.1207/02.10.002/2012-2013

January 17, 2013

The Chairman and Managing Director / Chief Executive Officers
All Scheduled Commercial Banks including RRBs /
Urban Co operative Banks / State Co-operative Banks /
District Central Co-operative Banks

Madam / Dear Sir

Declines in ATM transactions reporting of

Please refer to our circular DPSS. No. 101/02.10.02/2009-2010, dated July 17, 2009 on the subject in terms of which banks are required to place a quarterly review of ATM transactions to its Board of Directors, indicating, inter alia, the quantum of penalties paid, reasons thereof and the action taken to avoid recurrence of such instances.

2. In addition to the above, banks are advised to simultaneously place a quarterly review of ATM transactions to its Board of Directors, indicating, inter alia, the denial of services to the customers at ATM sites (broadly in the enclosed format), reasons thereof and the action taken to avoid recurrence of such instances. Banks are also advised to forward a copy of the report along with the observations of the Board to the Chief General Manager, Reserve Bank of India, Department of Payment & Settlement Systems, Mumbai.

3. The directive is issued under section 18 of Payment and Settlement Systems Act 2007, (Act 51 of 2007). Non-adherence to the provisions of this circular shall attract penalty as prescribed under the Payment and Settlement Systems Act 2007 (Act 51 of 2007).

4. Please arrange to place a copy of this circular before the Board.

5. Kindly acknowledge receipt.

Yours faithfully,

(Vijay Chugh)
Chief General Manager

Enclosures: 2


Bank:

Denial of service at ATMs for the quarter ended ¦.

Month

No. of ATMs

ATM transactions Approved

ATM transactions Declined

Total Declines (4+5)

Business Decline* % (4/6*100)

Technical Decline* % (5/6*100)

Business Decline

Technical Decline

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

M1

M2

M3

Total

*Indicative list of declines.


Indicative list of ATM declines

Serial No.

Description

Decline type

1.

Invalid transaction

Business

2.

Card not on file

Business

3.

Expired card

Business

4.

Invalid PIN

Business

5.

Invalid amount field

Business

6.

Invalid response code

Technical

7.

Processor down

Technical

8.

Invalid card number

Business

9.

Module processing error

Technical

10.

Excessive PIN tries

Business

11.

Invalid account

Business

12.

Exceed withdrawal limit

Business

13.

Exceeded number of tries

Business

14.

Invalid message

Technical

15.

Key sync error

Technical

16.

Lost or stolen card

Business

17.

Restricted use

Business

18.

Do not honour

Business

19.

Exceeds funds available

Business

20.

Customer cancel

Business

21.

Full reversal

Technical

22.

Invalid transaction for the card

Business

23.

Hardware fault

Technical

24.

General denial

Business

25.

Unable to process

Technical

26.

Unable to process reversal

Technical

27.

Unable to process Store and Forward

Technical

28.

Suspected fraud

Business

29.

Timeout

Technical

30.

Invalid debit account

Business

31.

Invalid credit account

Business

32.

No routing for institution/network

Technical

33.

Restricted card

Business

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