Failed Payment Response Guide

Australia

PayTo

Successful Payments

Payment Response Code

0000



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 Issues

Payment Response Code

AM04

AM13



Payment Response

Insufficient_funds

limit_exceeded



Subscription Invoice Status**

Inactive

Inactive



Invoice Status

Past_Due

Past_Due



Transaction Status

Failed

Failed



Payment Provider Response

Amount of funds available to cover specified message amount is insufficient

Transaction amount exceeds limits set by clearing system



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 - Mandate Issues

Payment Response Code

NOAS, MD20



Payment Response

mandate_expire



Subscription Invoice Status**

Inactive



Invoice Status

Past_Due



Transaction Status

Failed



Payment Provider Response

NOAS: The Payer Customer did not respond to the Authorisation request

MD20: Mandate cancellation following validity expiration.



Payment Response Description

The mandate has expired. Please use a different payment method.



Payment Method Status

Invalidated



What It Means

Expired mandate.

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 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

AC02, BE06, CTEX, M905, M906, M907, M908, M914, M915, M916, M917, M918, M920, M921

AC06, AC13, AC14, AG01, AG03, AM03, AM06, AM12, AM14, CTAM, CTCA, MCFC, MCOC, MD07, MD08, MD09, MD21, MS02, MS03, MSUC, RR04, SL01, SL11, SL12



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

AC02: The nominated Payer Customer Account does not exist within the Payer Participant

BE06: The nominated Payer Customer does not exist within the Payer Participant (or applicable identified Institution) customer list

CTEX: Mandate suspended due to the contract that expired.

M905: Debtor PayId is Invalid

M906: Creditor PayId is Invalid

M907: Debtor BSB in not NPP reachable

M908: Creditor BSB in not NPP reachable

M914: Payee Participant in Mandate and Creditor Alias Servicer are not matching

M915: Payer Participant in Mandate and Debtor Alias Servicer are not matching

M916: Creditor Account Details present in the Mandate and Input Request are not matching

M917: Creditor Alias details present in Request and Mandate are not matching

M918: Creditor details not present in Request and Mandate

M920: Invalid Mandate

M921: Creditor account scheme present in request and Mandate are not matching

AC06: The nominated Payer Customer Account is blocked and is unable to make payments

AC13: The nominated Payer Customer Account does not allow NPP Payments

AC14: Account exists but cannot accept funds (unreachable via NPP)

AG01: The nominated Payer Customer Account is unable to make payments

AG03: The nominated Payer Customer Account can make NPP Payments, but is not able to make NPP Payments to the Payee Customer Account type nominated in the Mandate Authorisation Request

AM03: The nominated Payer Customer Account is unable to make payments in AUD

AM06: Specified transaction amount is less than agreed minimum.

AM12: Amount is invalid or missing

AM14: Transaction amount exceeds limits agreed between bank and client

CTAM: Mandate suspended due to amendment of the contract.

CTCA: Mandate suspended due to cancellation of the contract, requested by the debtor.

MCFC: Mandate suspended as final collection took place.

MCOC: Mandate suspended as the once off collection took place.

MD07: End customer is deceased.

MD08: Receiving agent does not offer specified Mandate services

MD09: Account is not open to specified Mandates services

MD21: Mandate cancellation due to suspected fraud

MS02: Reason has not been specified by end customer

MS03: Reason has not been specified by agent

MSUC: Mandate suspended after 7 consecutive unsuccessful collections.

RR04: Regulatory Reason

SL01: Due to specific service offered by the Debtor Agent

SL11: Whitelisting service offered by the Debtor Agent; Debtor has not included the Creditor on its “Whitelist” (yet). In the Whitelist the Debtor may list all allowed Creditors to debit Debtor bank account.

SL12: Blacklisting service offered by the Debtor Agent; Debtor included the Creditor on his “Blacklist”. In the Blacklist the Debtor may list all Creditors not allowed to debit Debtor bank account.



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 - Account Issues

Payment Response Code

CUST, MD16, MD17


AC04, AC05, AC07

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

CUST: Cancellation requested by the Debtor

MD16: The payer Customer does not accept the payment terms in the Mandate

MD17: Cancellation/amendment requested by the creditor or by the initiating party


AC04: Account number specified has been closed on the Receiver's books

AC05: The nominated Payer Customer Account within the Payer Participant

AC07: The account to be credited is 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.

What It Means

A stop payment has been applied by the bank on instruction from the customer or the mandate is not accepted by the payer.

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.


The account is closed and mandate is no longer valid. Re-validate the account number for accuracy and do not reattempt with same payment method.

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)

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

(For Customers)

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.


Error Responses

Payment Response Code

AC03, AGNT, AM01, AM02, AM05, AM09, AM18, AM19, AM22, ARDT, BE05, BE08, BE18, BE22, CH17, CH20, CH21, DT01, DT02, E991, E992, ED06, FF01, FF04, FF08, FF10, FF11, FOCR, FR01, LEGL, M308, M901, M919, M922, M998, MD06, NARR, NOOR, P176, P177, P178, P179, RC05, RR05, RR07, TD03


Payment Response

ezypay_error


Subscription Invoice Status**

Inactive


Invoice Status

Past_Due


Transaction Status

Error


** Only available to integrators on subscription model.

Contact

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

asia.help@ezypay.com | 080-880-0456

www.ezypay.com