Failed Payment Response Guide

Hong Kong

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

Approved or completed

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, 58

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

04: Capture card / Pick-up

07: Pickup card, special condition

41 : Lost card

43 : Stolen card

58: Transaction not permitted to acquirer/terminal

Expired card

46: Closed account


Payment Response Description

Transaction rejected by customer's bank due to the card being reported lost or stolen. Please use a different payment method or contact your issuing bank

The credit card has expired. Please use a different payment method.

The bank account has been closed. Please use a different payment method.


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

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.

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, 57, 62, 78, 92

Invalid Card Number,

Invalid CardNumber - PAN length mismatch,

Unsupported cardType: ATM Only

01, 03, 05, 10, 13, 30, 39, 55, 63, 6P, 70, 75, 79, 82, 84, 85, 1A, Z1, Z3, N7


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

92 : Destination cannot be found for routing/unable to route transaction

12 : Invalid transaction

14 : Invalid card number

15 : Invalid issuer

57: Transaction not permitted to issuer/cardholder

62 : Restricted card

78 : Invalid/non-existent account specified (general)

Invalid Card Number

Invalid CardNumber

Invalid CardNumber - PAN length mismatch.

Unsupported cardType: ATM Only

01: Refer to card issuer

03: Invalid merchant

05: Do not honor

13 : Invalid amount

30 : Format error

39 : No credit account

55 : Invalid PIN

63 : Security violation

6P: Customer ID verification failed

70 : Contact card issuer

75 : Allowable number of PIN tries exceeded

79 : Life cycle

82: Negative online CAM, dCVV, iCVV, CVV, or CAVV results or Offline PIN authentication interrupted

82: Policy

84 : Invalid Authorization Life Cycle

1A: Authentication Required

Z1: Offline-declined

Z3: Unable to go online; offline-declined

N7: Decline for CVV2 failure

10: Partial approval

85 : No reason to decline a request for account number verification, address verification, CVV2 verification or a credit voucher or merchandise return

85 : Not declined (Valid for all zero amount transactions)

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 contact your issuing 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.

It is possible the card does not authorize this type of transaction, location of transaction or the card is block by the bank (e.g. new card that has not activated).

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.


Payment Response Code

52, 53

R0, R1, R3,

Revocation of authorization for recurring or installment


Payment Response

declined

authority_withdrawn


Subscription Invoice Status**

Inactive

Inactive


Invoice Status

Past_Due

Past_Due


Transaction Status

Failed

Failed


Payment Provider Response

52: No checking account

53: No savings account

Amount too low to be accepted by Card Network

Interregional transaction are not allowed with this card.

R0: Stop payment order

R1: Revocation of Authorization Order

R3: Revocation of all authorisation orders

Revocation of authorization for recurring or installments


Payment Response Description

This transaction was declined by the bank.

The authority for the payment method has been withdrawn.


Payment Method Status

Valid

Invalidated


What It Means

General decline by the bank, that could be for different reasons:

      • Spend limit reached
      • Possible fraud
      • No authority held
      • Account suspended

Payments will stop if maximum failed attempts have been reached.

A stop payment has been applied by the bank on instruction from the customer.

This occurs generally when a customer does not recognize 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.


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 declined.

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 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)

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.

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.


** Only available to integrators on subscription model.

Failed Payments - Suspected Fraud

Payment Response Code

59, 83, 88, 93,

FRAUD


Payment Response

suspected_fraud


Subscription Invoice Status**

Inactive


Invoice Status

Past_Due


Transaction Status

Failed


Payment Provider Response

FRAUD: FRAUD

59 : Suspected fraud

83 : Fraud/Security

88 : Cryptographic failure

93 : Transaction cannot be completed; violation of law


Payment Response Description

Transaction rejected by customer’s bank due to suspected fraud on the account. Please use a different payment method or contact your issuing bank


Payment Method Status

Invalidated


What It Means

The transaction is suspected to be fraudulent by the bank or failed on some of the bank's authentication process.

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, 19, 80, 91, 94, 96

NO_RESPONSE_FROM_ACM,

NO_RESPONSE_WITHIN_TIMEOUT,

NOT_SET,

Acquirer Error (NOT_SET)


Payment Response

bank_system_error


Subscription Invoice Status**

Active


Invoice Status

Past_Due


Transaction Status

Error


Payment Provider Response

06: Error

19: Re-enter transaction

91 : Authorisation Platform or issuer system inoperative/issuer not available

91 : Issuer unavailable or switch inoperative

94: Reject Error

96 : System malfunction, Error

NO_RESPONSE_FROM_ACM

NO_RESPONSE_WITHIN_TIMEOUT

NOT_SET

Acquirer Error (NOT_SET)


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.

Ezypay will send the payment for processing again.


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.

Contact

2/F., Jonsim Place, No. 228 Queen’s Road East, Wanchai, Hong Kong

asia.help@ezypay.com | 800 902 008

www.ezypay.com