Failed Payment Response Guide

Australia

MasterCard and Visa Card Payments

Successful Payments

Payment Response Code	00
Payment Response	Success
Subscription Invoice Status**	Active
Invoice Status	Paid
Transaction Status	Success
Payment Provider Response	Authorised
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 Issues

Payment Response Code	51	61, 65
Payment Response	Insufficient_funds	Limit_exceeded
Subscription Invoice Status**	Inactive	Inactive
Invoice Status	Past_Due	Past_Due
Transaction Status	Failed	Failed
Payment Provider Response	Refused	Refused
Payment Response Description	Payment method has insufficient funds at the time of the transaction.	Transaction exceeded the customer's payment method daily withdrawal or activity limit.
Payment Method Status	Valid	Valid
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.	The customer or customer’s bank has imposed spend limits. Payments will stop if maximum failed attempts have been reached.
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.	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.
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.	You can retry the transaction on a later date, but we would suggest not retrying on the same day.
Suggested Actions (For Customers)	Please ensure there are enough funds in your account before the due date of the next transaction.	Please increase the daily transaction limit on your account, or let the business know when another attempt can be made.

** Only available to integrators on subscription model.

Failed Payments - Card Issues

Payment Response Code	04, 07, 41, 43, 57, 62	54	46
Payment Response	lost_or_stolen_card	expired_card	bank_account_closed
Subscription Invoice Status**	Inactive	Inactive	Inactive
Invoice Status	Past_Due	Past_Due	Past_Due
Transaction Status	Failed	Failed	Failed
Payment Provider Response	Refused	Refused	Refused
Payment Response Description	The credit card has been restricted.	The credit card has expired. Please use a different payment method.	The bank account has been closed.
Payment Method Status	Invalidated	Invalidated	Invalidated
What It Means	The bank has advised that payment method provided has been reported as lost or stolen. Payment stops immediately until issue is resolved.	Expired card. Payment stops immediately until issue is resolved.	Applies for Visa. The account is closed. Re-validate the account number for accuracy and do not reattempt with the same PAN or token
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.	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.	Do not attempt to retry the payment. You should ask the customer for an alternative payment method.	Do not attempt to retry the payment. You should ask the customer for an alternative payment method.
Suggested Actions (For Customers)	Please check with your banking institution on your account. Or you can provide the business with an alternate payment method.	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.	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.

** Only available to integrators on subscription model.

Failed Payments - Customer Issues

Payment Response Code	12, 14, 15, 78	01, 05, 10, 13, 55, 63, 70, 75, 85
Payment Response	Invalid_payment_method	customer_to_contact_bank
Subscription Invoice Status**	Inactive	Inactive
Invoice Status	Past_Due	Past_Due
Transaction Status	Failed	Failed
Payment Provider Response	Refused	Refused
Payment Response Description	Payment method details are invalid. Please use a different payment method.	Transaction rejected by customer's bank. Please use a different payment method or ask the customer to contact the bank.
Payment Method Status	Invalidated	Valid
What It Means	The account number is incorrect, and the bank is unable to match the details to any particular account. Payment stops immediately until issue is resolved.	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 (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 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)	Please check that all details of the account provided to the business are correct (E.g. Account Name, Account Number). Or you can provide the business with an alternate payment method.	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.

** Only available to integrators on subscription model.

Failed Payments - Suspected Fraud

Payment Response Code	59,93
Payment Response	suspected_fraud
Subscription Invoice Status**	Inactive
Invoice Status	Past_Due
Transaction Status	Failed
Payment Provider Response	Refused
Payment Response Description	The credit card has been restricted due to suspected fraud.
Payment Method Status	Invalidated
What It Means	The bank has advised that payment method provided has been reported as lost or stolen. Payment stops immediately until issue is resolved.
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.
Suggested Actions (For Merchants)	Do not attempt to retry the payment. You should ask the customer for an alternative payment method.
Suggested Actions (For Customers)	Please check with your banking institution on your account. Or you can provide the business with an alternate payment method.

** Only available to integrators on subscription model.

Error Responses

Payment Response Code	06, 80, 91, 96	03, 30, 92
Payment Response	bank_system_error	ezypay_error
Subscription Invoice Status**	Inactive	Inactive
Invoice Status	Past_Due	Past_Due
Transaction Status	Error	Error
Payment Provider Response	Refused	Refused
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.
Payment Method Status	Valid	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. Ezypay will send the payment for processing again.	Due to a timeout issue at Ezypay’s end, the payment has been rejected. Ezypay will send the payment for processing again.
Suggested Actions (For Integrators)	N/A	N/A
Suggested Actions (For Merchants)	N/A	N/A
Suggested Actions (For Customers)	N/A	N/A

** Only available to integrators on subscription model.

Contact

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

hello@ezypay.com | 1300 652 825

www.ezypay.com