Failed Payment Response Guide

Australia

American Express Payments

Successful Payments

Status	Success
Payment Response Code	APPROVED APPROVED_PENDING_SETTLEMENT
Payment Response	Success
Payment Response Description	The transaction was successful.
What It Means	The transaction was successful. Payments will continue as scheduled.
Suggested Actions (For Integrators)	N/A
Suggested Actions (For Merchants)	N/A
Suggested Actions (For Customers)	N/A

Failed Payments - Fund and Card Issues

Status	Failed	Failed
Payment Response Code	INSUFFICIENT_FUNDS	EXPIRED_CARD
Payment Response	Insufficient_funds	expired_card
Payment Response Description	Payment method has insufficient funds at the time of the transaction.	The credit card has expired. Please use a different payment method.
What It Means	At the time of the transaction, the customer did not have enough funds to cover the transaction. Sometimes, the bank will send us this reason code when they’ve identified fraudulent activity or transactions which are outside of the customer’s regular spend pattern. The risk rules of the customer bank are outside of our control. Majority of transactions that generate this response code are due to genuine insufficient funds. Payments will stop if maximum failed attempts have been reached.	Expired card.
Suggested Actions (For Integrators)	You can retry the transaction on a later date without having to recreate the payment method, but we would suggest not retrying on the same day.	Please confirm with the business or customer what the payment method should be. Do not attempt to retry the transaction until the payment method token has been recreated. Once the payment method token has been recreated, you can schedule a retry.
Suggested Actions (For Merchants)	You can retry the transaction on a later date, but we would suggest not retrying on the same day as it’s unlikely that the customer would have enough funds available within the same day.	Do not attempt to retry the payment. You should ask the customer for an alternative payment method.
Suggested Actions (For Customers)	Please ensure there are enough funds in your account before the due date of the next transaction.	Please check that the details of the credit card (expiry date and credit card number) provided to the business are correct. Or you can provide the business with an alternate payment method.

Failed Payments - Bank Issues

Status	Failed	Failed
Payment Response Code	ABORTED BLOCKED DECLINED_AVS DECLINED_AVS_CSC DECLINED_CSC DECLINED_DO_NOT_CONTACT DECLINED_INVALID_PIN DECLINED_PAYMENT_PLAN DECLINED_PIN_REQUIRED EXCEEDED_RETRY_LIMIT INVALID_CSC NOT_ENROLLED_3D_SECURE PENDING REFERRED	AUTHENTICATION_FAILED DECLINED
Payment Response	customer_to_contact_bank_a	declined
Payment Response Description	Transaction rejected by customer's bank. Please use a different payment method or ask the customer to contact the bank.	This transaction was declined by the bank.
What It Means	Due to some rules that the customer’s bank applies, the transaction is rejected. The bank could have set up rules around duplicate detection, fraud or velocity that might have triggered the rejected transaction. Some of these rules apply when the customer has reached their spend limit for the day.	General decline by the bank, that could be for different reasons: Spend limit reached Possible fraud No authority held Account suspended
Suggested Actions (For Integrators)	Please confirm with the business or customer what the payment method should be. Do not attempt to retry the transaction until the payment method token has been recreated. Once the payment method token has been recreated, you can schedule a retry.	Please confirm with the business or customer what the payment method should be. Do not attempt to retry the transaction until the payment method token has been recreated. Once the payment method token has been recreated, you can schedule a retry.
Suggested Actions (For Merchants)	Ask the customer to contact their bank to ask why the transaction failed. Until the matter is resolved between the customer and their bank, the transaction response will likely be the same, therefore we recommend that you request a different payment method.	Ask the customer to contact their bank to ask why the transaction failed. Until the matter is resolved between the customer and their bank, the transaction response will likely be the same, therefore we recommend that you request a different payment method.
Suggested Actions (For Customers)	The bank has rejected the transaction. Please contact your bank for the reason as to why the transaction had failed. This will need to be resolved first before transactions can continue to be debited from this account. Or you can provide the business with an alternate payment method.	The bank has declined the transaction. Please contact your bank for the reason as to why the transaction had failed. This will need to be resolved first before transactions can continue to be debited from this account. Or you can provide the business with an alternate payment method.

Failed Payments - Payment Method Issues

Status	Failed	Failed
Payment Response Code		CANCELLED
Payment Response	Invalid_payment_method	Authority_withdrawn
Payment Response Description	Payment method details are invalid. Please use a different payment method.	The authority for the payment method has been withdrawn. Please contact the customer for more information.
What It Means	The BSB or account number is incorrect and the bank is unable to match the details to any particular account.	A stop payment has been applied by the bank on instruction from the customer.   This occurs generally when a customer does not recognise a payment on their statement and puts a block on it. Sometimes the customer puts a stop on a recurring payment when they are in dispute with the service provider
Suggested Actions (For Integrators)	Please confirm with the business or customer what the payment method should be. Do not attempt to retry the transaction until the payment method token has been recreated. Once the payment method token has been recreated, you can schedule a retry.	Please confirm with the business or customer what the payment method should be.  Do not attempt to retry the transaction until the payment method token has been recreated.  Once the payment method token has been recreated, you can schedule a retry.
Suggested Actions (For Merchants)	Do not attempt to retry the payment. You should ask the customer for an alternative payment method. Retrying a payment with the same payment details will yield the same failed payment response.	Ask the customer to provide an alternate payment method.  To reinstate the recurring authority, they will need to agree to a new Direct Debit Request with a later date than when they put a stop on the payment.
Suggested Actions (For Customers)	Please check that all details of the account provided to the business are correct (E.g. Account Name, BSB Number, Account Number). Or you can provide the business with an alternate payment method.	If you wish to use the same account details, please contact your bank and authorise payments to be debited by Ezypay. Or you can provide the business with an alternate payment method.

Error Responses

Status	Error	Error
Payment Response Code	ACQUIRER_SYSTEM_ERROR SUBMITTED SYSTEM_ERROR TIMED_OUT UNKNOWN UNSPECIFIED_FAILURE	DEFERRED_TRANSACTION_RECEIVED DUPLICATE_BATCH LOCK_FAILURE NOT_SUPPORTED PARTIALLY APPROVED
Payment Response	bank_system_error	ezypay_error
Payment Response Description	An error occurred while processing the transaction. Please contact Ezypay support.	An error occurred while processing the transaction. Please contact Ezypay support.
What It Means	An error has occurred while communicating with the payment provider. This could be due to a timeout issue that has caused the payment to be rejected.	Due to a timeout issue at Ezypay’s end, the payment has been rejected.
Suggested Actions (For Integrators)	You can retry the debit without having to recreate the payment method token.	You can retry the debit without having to recreate the payment method token.
Suggested Actions (For Merchants)	N/A	N/A
Suggested Actions (For Customers)	N/A	N/A

Contact

Stone & Chalk - Level 1/477 Pitt St, Sydney NSW 2000

hello@ezypay.com | 1300 652 825