From time to time you will receive a REJECT message as it concerns EFT/eCheque Payments. Below are the following messages as they are received directly from the bank. For further information you may need to contact your financial institution directly.
Returned/Dishonoured Items |
Transaction Reject Reason Codes
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900-999 900 Edit Reject 101 Invalid Inst 102 Invalid Account 900 Edit Reject - Either Tenant provided incorrect banking info or Property Management made a transpondence error. 901 NSF (Debit Only)- Insufficient funds available for withdrawal from designated account. 902 Account not found - CPA System (Canadian Payments Association) is unable to locate account information as entered. Similar to 900 Edit Reject. 903 Payment Stopped/Recalled - Account holder is aware of scheduled withdrawal and has asked their financial institution to not proceed. Tenant should be contacted and reminded of obligation under Lease. 905 Account Closed - Account holder has closed account and it is unavailable for electronic processing. Contact Tenant and seek current/updated account info. 907 No Debit Allowed 908 Funds Not Cleared - Some accounts may have various holding periods on deposits made to them. This code suggests that funds may be available for the withdrawal, but institution won’t clear them because of a hold. Tenant should be contacted to determine when a convenient date to re-attempt can be scheduled. 910 Payee/Payor Deceased - Account holder has passed on. Financial institution won’t allow withdrawals from the account until certain matters resolved. 911 Account Frozen - Occasionally, a financial institution will hold transactions from being completed on an account. Property Management should contact Tenant in these situations and have Tenant press financial institution to release the account freeze so transactions can be processed. 912 Invalid/Incorrect Account No. - Similar to error code 900 and similar steps should be taken. 914 Incorrect Payor/Payee Name - The account holder name may be different than that associated with the electronic transaction to run. If so, a financial institution may refuse the transaction. Property Management should contact Tenant and confirm the name to be associated with financial information provided. 915 No Agreement Existed 916 Not According to Agreement- Personal 917 Agreement Revoked – Personal 918 No Confirmation/ Pre- Notification- Personal 919 Not According to Agreement- Business 920 Agreement Revoked- Business 921 No Confirmation- Business 990 Institution in Default 998 No Agreement for Returns 1205 "Do Not Honour" There is nothing the merchant can do, the client will need to contact their issuing bank in order to solve the problem. 1251 "Insufficient Funds", is a code given when the credit card being charged does not have enough credit for the charge to go through 61+AMT+EXCEEDS+LMT++ : The issuing bank has rejected this transaction because "Exceeds withdrawal amount limits". The Cardholder will have to talk with their issuing bank to resolve the issue. 05+DECLINE++++++++++ : This rejected code received is a general decline code provided by the card holders issuing bank. The card holder will need to contact their bank to resolve this issue. |
2001 Invalid Amount 2002 Invalid Bank ID 2003 Invalid Bank Transit Number 2004 Invalid Bank Account Number 2005 Invalid Reference Number 2006 Duplicate Reference Number 2007 Invalid Client ID 2008 Invalid Effective Date 2009 Refund No Match 2010 Amount Exceeds Limit 59 Suspected Fraud |
Response Codes
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Others Messages |
C001 Invalid Type C002 Invalid Terminal ID C003 Invalid Reference Number C004 Invalid Card Product C005 Invalid Amount C006 Invalid Fee Amount C007 Invalid Total Amount C008 Invalid Recurring Payment Flag C009 Card Product Mismatch C010 Amount Mismatch C011 Fee Amount Mismatch C012 Payment Total Mismatch C013 Only Card or Token Allowed C014 Void Unsuccessful C015 Invalid Card Number C016 Invalid Expiry Date C017 Invalid Postal Code C018 Invalid CVV C019 Invalid Token C999 Service Unavailable |
HOLD CALL - This is a bank message. Typically meant to hold the card and call the issuing bank for authorization. In this case the request has not gone through and the card holder should call their bank for authorization and try again 1031 VISA DEBIT FORBIDDEN - This occurs when a new account has been setup and VISA DEBIT has not been enabled yet. It can take up to two weeks for VISA DEBIT to be activated after a new account has been created. DECLINE - This message comes up with the payment processed is declined by the financial institution or credit card company. The payee should contact their financial institution to find out more. This is a common occurrence for Visa Debit as there may be a restriction on the Visa Debit account. C009 - Card mismatch. The card type in question is not currently supported. Please check if the correct card type (debit/credit) was selected. Some cards may currently not be supported (such as Visa Business) HOLD-CALL - The customer’s issuing bank has prevented the transaction from being authorized. NOTE: As you are not processing this transaction in person, you won’t be able to take possession of the card. Have your customer call their issuing bank (the number is typically printed on the back of the credit card) and ask why the transaction was declined. Once the issuing bank confirms that they will approve future attempts, try the transaction again. |