Failed Payment Response Guide
Australia
Bank Payments
Successful Payments
Payment Response Code | - |
Payment Response | Success |
Subscription Invoice Status** | Active |
Invoice Status | Paid |
Transaction Status | Success |
Payment Provider Response | - |
Payment Response Description | The transaction was successful. |
Payment Method Status | Valid |
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 |
** Only available to integrators on subscription model.
Failed Payments - Fund and Payment Method Issues
Payment Response Code | 6 | 1, 5 | |
Payment Response | Insufficient_funds | Invalid_payment_method | |
Subscription Invoice Status** | Inactive | Inactive | |
Invoice Status | Past_due | Past_due | |
Transaction Status | Failed | Failed | |
Payment Provider Response | Refer to customer | 1: Invalid BSB Number 5: No account or incorrect account number | |
Payment Response Description | Payment method has insufficient funds at the time of the transaction. | Payment method details are invalid. Please use a different payment method. | |
Payment Method Status | Valid | Invalidated | |
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 have 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. The vast majority of transactions that generate this response code are due to genuine insufficient funds. Payments will stop if maximum failed attempts have been reached. | The BSB or account number is incorrect, and the bank is unable to match the details to any particular account. Payment stops immediately until issue is resolved. | |
Suggested Actions | 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 | 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. Retrying a payment with the same payment details will yield the same failed payment response. | |
Suggested Actions | Please ensure there are enough funds in your account before the due date of the next transaction. | 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. |
** Only available to integrators on subscription model.
Failed Payments - Bank Account Issues
Status | Failed | Failed | |
Payment Response Code | 2, 4 | 3 | |
Payment Response | authority_withdrawn | bank_account_closed | |
Subscription Invoice Status** | Inactive | Inactive | |
Invoice Status | Past_due | Past_due | |
Transaction Status | Failed | Failed | |
Payment Provider Response | 2: Payment stopped 4: Customer deceased | Account closed | |
Payment Response Description | The authority for the payment method has been withdrawn. Please contact the customer for more information. | The account has been closed. Please use a different payment method. | |
Payment Method Status | Invalidated | Invalidated | |
What It Means | 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. Payment stops immediately until issue is resolved. | Customer account has been closed. Card has been lost/stolen. Payment stops immediately until issue is resolved. | |
Suggested Actions | 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 | 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. | Do not attempt to retry the payment. You should ask the customer for an alternative payment method. Retrying a payment with the exact same details will yield the same failed payment response. | |
Suggested Actions | 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. | Please provide the business with an alternate payment method. |
** Only available to integrators on subscription model.
Failed Payments - Customer Issues
Payment Response Code | 9 | |
Payment Response | customer_to_contact_bank | |
Subscription Invoice Status** | Inactive | |
Invoice Status | Past_due | |
Transaction Status | Failed | |
Payment Provider Response | Technically invalid | |
Payment Response Description | Transaction rejected by customer's bank. Please use a different payment method or ask the customer to contact the bank. | |
Payment Method Status | Valid | |
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. Payment stops immediately until issue is resolved. | |
Suggested Actions | 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 | 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 | The bank has rejected the transaction. Please contact your bank for the reason as to why the transaction had failed.
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** Only available to integrators on subscription model.
Error Responses
Status | Error | |
Payment Response Code | 7, 8 | |
Subscription Invoice Status** | Active | |
Invoice Status | Past_Due | |
Transaction Status | Error | |
Payment Provider Response | 7: Deleted 8: Invalid User ID number | |
Payment Response | bank_system_error | |
Payment Response Description | An error occurred while processing the transaction. Please contact Ezypay support. | |
Payment Method Status | Valid | |
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. | |
Suggested Actions | N/A | |
Suggested Actions | N/A | |
Suggested Actions | N/A |
** Only available to integrators on subscription model.