Payment Response

limit_exceeded

Insufficient_funds

Subscription Invoice Status**

Inactive

Inactive

Invoice Status

Past_Due

Past_Due

Transaction Status

Failed

Failed

Payment Provider Response (Description)

The transaction amount exceeds the partner channel's set limits

Source of funds has insufficient balance to complete the transaction

Failed Payment Reason

(Description)

Transaction exceeded the customer's payment method daily withdrawal or activity limit.

Payment method has insufficient funds at the time of the transaction.

Payment Method Status

Valid

Valid

What It Means

The customer or customer’s bank has imposed spend limits.

Payments will stop if maximum failed attempts have been reached.

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. 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.

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.

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.

Suggested Actions

​(For Customers)

Please increase the daily transaction limit on your account, or let the business know when another attempt can be made.

Please ensure there are enough funds in your account before the due date of the next transaction.

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 (Description)

INVALID_PAYMENT_METHOD: The provided payment method id has already expired or is inactive
​INVALID_ACCOUNT_DETAILS: The provided details were rejected by the partner channel due to incorrect information.

ACCOUNT_ACCESS_BLOCKED: End customer bank account has been blocked, end user should contact the bank for resolution.

ACCOUNT_NOT_ACTIVATED: End-customer's account is not activated for payments.

DECLINED_BY_ISSUER: Payment failed because the issuer declined approval.

DUPLICATE_ERROR: There's an existing record of linking the same underlying account for the provided customer_id OR Virtual Account Number/Payment Code already exists

MAX_ACCOUNT_LINKING: Partner channel blocked the linking because the underlying account has been linked to the maximum number allowed by the channel.

PAYMENT_AMOUNT_LIMITS_EXCEEDED: Payment failed because the end user’s transaction limits were exceeded.

PAYMENT_METHOD_ALREADY_EXISTS: An active Payment Method with the same customer_id, channel_code for that merchant already exists.

Failed Payment Reason (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.

Payment Response

declined

authority_withdrawn

Subscription Invoice Status**

Inactive

Inactive

Invoice Status

Past_Due

Past_Due

Transaction Status

Failed

Failed

Payment Provider Response (Description)

MAX_OTP_ATTEMPTS_ERROR: The maximum incorrect attempts allowed by the channel has been reached.

PAYMENT_STATUS_FAILED: Payment has failed with no further information from channel. You may need to check before retrying. Recommended to wait ~30 minutes before retrying unless given further instruction

PAYMENT_EXPIRED: If you are using Xendit-hosted OTP page, end-user needs to input their OTP within 15 minutes or else the payment will be expired. You may need to create a new payment.

Failed Payment Reason (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:

• • 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.