Failed Payment Response Guide
Philippines
MasterCard and Visa Card Payments
Successful Payments
Payment Response (Code) | 00, 08, 11, 16 |
Payment Reason (Code) | Approved |
Subscription Invoice Status** | Active |
Invoice Status | Paid |
Transaction Status | Success |
Payment Provider Response (Description) | Approved |
Payment Reason (Description) | The transaction was successful. |
Payment Method Invalid? | 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, P9 | 61, 65 | |
Payment ResponseFailed | Insufficient_funds | limit_exceeded | |
Subscription Invoice Status** | Inactive | Inactive | |
Invoice Status | Past_Due | Past_Due | |
Transaction Status | Failed | Failed | |
Payment Provider Response (Description) | 51: Insufficient funds P9: Enter lesser amount | 61: Exceeds withdrawal limit 65: Exceeds withdrawal frequency limit | |
Failed Payment Reason (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. 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. | 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 - Bank Issues
Payment Response Code | 01, 02, 05, 12, 13, 35, 36, 37, 38, 39, 40, 42, 44, 52, 53, 55, 56, 57, 62, 75, 87, 93, N0
| 10, 89 | |
Payment Response | customer_to_contact_bank | declined | |
Subscription Invoice Status** | Inactive | Inactive | |
Invoice Status | Past_Due | Past_Due | |
Transaction Status | Failed | Failed | |
Payment Provider Response (Description) | 01, 02, 05: Refer to card issuer 12: Invalid transaction 13: Invalid amount 35, 36, 37, 38, 39, 40, 42, 44, 52, 53, 55, 56, 57, 75, 93: Declined 62: Restricted card 87: Bad track data N0: Unable to authorise | 10: Approved 89: Invalid Route Service | |
Failed Payment Reason (Description) | Transaction rejected by customer’s bank. Please use a different payment method or contact your issuing bank. | This transaction was declined by the bank. | |
Payment Method Status | Valid | Valid | |
What It Means | 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. | Some banks support a partial approval authorisation which will only approve part of the requested transaction. In this case the transaction amount has been declined as only the full amount can be transacted through Ezypay.
Any partially collected funds will be refunded and the full transaction amount will be attempted again.
Payments will stop if maximum failed attempts have been reached.
| |
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. | You can retry the full transaction amount 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) | 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. | You can retry the full transaction amount 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) | 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. | 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.
|
Payment Response (Code) | T8 |
Failed Payment Reason (Code) | authority_withdrawn |
Subscription Invoice Status** | Inactive |
Invoice Status | Past_Due |
Transaction Status | Failed |
Payment Provider Response (Description) | Invalid account |
Failed Payment Reason (Description) | The authority for the payment method has been withdrawn. |
Payment Method Invalid? | Invalidated |
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. |
Suggested Actions | Please confirm with the business or customer on 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 are retry. |
Suggested Actions | 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 | 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 - Card Issues
Payment Response Code | 14, 15, 82, T8 | 33, 54 | |
Payment Response | Invalid_payment_method | expired_card | |
Subscription Invoice Status** | Inactive | Inactive | |
Invoice Status | Past_Due | Past_Due | |
Transaction Status | Failed | Failed | |
Payment Provider Response (Description) | 14: Invalid card number 15: No issuer 82: Declined T8: Invalid Account | Expired card | |
Failed Payment Reason (Description) | Payment method details are invalid. Please use a different payment method. | The credit card has expired. Please use a different payment method. | |
Payment Method Status | Invalidated | Invalidated | |
What It Means | The card number is incorrect and the bank is unable to match the details to any particular account.
Payment stops immediately until issue is resolved. | Expired card. Payment stops immediately until issue is resolved.
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. | Do not attempt to retry the payment.
You should ask the customer for an alternative payment method. | |
Suggested Actions (For Customers) | Please check that all details of the account provided to the business are correct (E.g. Account Name, Card Number). 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. |
Payment Response Code | 04, 07, 41, 43 | 34, 59 | |
Payment Response | lost_or_stolen_card | suspected_fraud | |
Subscription Invoice Status** | Inactive | Inactive | |
Invoice Status | Past_Due | Past_Due | |
Transaction Status | Failed | Failed | |
Payment Provider Response (Description) | 04, 07: Refer to card issuer 41, 43: Declined
| Declined | |
Failed Payment Reason (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. | 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 | 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. | The transaction is suspected to be fraudulent by the bank.
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. | 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 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 | 03, 06, 09, 19, 22, 23, 25, 30, 31, 58, 60, 90, 92, 94, 96 | |
Payment ResponseFailed | bank_system_error | |
Subscription Invoice Status** | Inactive | |
Invoice Status | Past_Due | |
Transaction Status | Error | |
Payment Provider Response (Description) | 03: No merchant 06: Merchant/acquirer error 09: Acquirer busy 19, 22, 23, 25, 30, 58, 60, 91, 92, 94, 96: Declined 90: Declined - Please retry | |
Failed Payment Reason (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
U-10-1 One Global Place, 5th Avenue Corner 25th Street, Barangay Bonifacio Global City, Taguig, Metro Manila 1630
[email protected] | 1800 1 322 0542