Failed Payment Response Guide

New Zealand

Bank Payments

Successful Payments

Status	Success
Payment Response Code
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 Issues

Status	Failed	Failed
Payment Response Code	U	E
Payment Response	Insufficient_funds	limit_exceeded
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.
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.	The customer or customer’s bank has imposed spend limits.
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.

Failed Payments - Bank Account Issues

Status	Failed	Failed
Payment Response Code	X, H, C	3, L, T
Payment Response	authority_withdrawn	bank_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Payment Response Description	The authority for the payment method has been withdrawn.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.
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.	Customer account has been closed. Card has been lost/stolen.
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.

Failed Payments - Payment Method Issues

Status	Failed
Payment Response Code	Z
Payment Response	invalid_payment_method
Payment Response Description	Payment method details are invalid. Please use a different payment method.
What It Means	The BSB or account number is incorrect, and the bank is unable to match the details to any particular account.
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. Retrying a payment with the same payment details will yield the same failed payment response.
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.

Contact

Level 10, 21 Queen St, Auckland 1010

hello@ezypay.com | 0800 399 011