ACH and Credit Card Rejection Codes
Although Biller Genie is not responsible for authorizing transactions - there are some useful reason codes passed from the gateway to help troubleshoot failed transactions.
Table of Contents
ACH Rejection Codes
| Rejection Number | Reason Name |
Reason Description |
|---|---|---|
| R01 | Insufficient Funds | Available balance is not sufficient to cover the dollar value of the debit entry. |
| R02 | Account Closed | Previously active account has been closed by the customer or RFI. |
| R03 | No Account/Unable to Locate Account | Account number structure is valid and passes editing process, but does not correspond to an individual or is not open. |
| R04 | Invalid Account Number | Account number structure not valid; the entry may fail check digit validation or may contain an incorrect number of digits. |
| R05 | Improper Debit to Consumer Account | A debit entry was transmitted to a Consumer Account of the Receiver and was not authorized by the Receiver. |
| R06 | Returned per ODFI's Request | ODFI (Returned per ODFI's Request) has requested RDFI (Receiving Depository Financial Institution) to return the ACH entry (optional to RDFI - ODFI indemnifies RDFI). |
| R07 | Authorization Revoked by Customer | Previously authorized ACH payment. The consumer has revoked authorization from the Originator. |
| R08 | Payment Stopped | The receiver of a recurring debit transaction has stopped payment on a specific ACH debit. |
| R09 | Uncollected Funds | Sufficient book or ledger balance exists to satisfy the dollar value of the transaction. |
| R10 | Customer Advises Not Authorized | The consumer has advised RDFI that the Originator of the transaction is not authorized to debit the account. |
| R11 | Check Truncation Entry Returned | Used when returning a check safekeeping entry; RDFI should specify the reason for return in the addenda record. |
| R12 | Branch Sold to Another DFI | The financial institution received an entry destined for a branch that has been sold to another financial institution. |
| R14 | Account-holder Deceased | Account-holder is deceased. |
| R15 | Beneficiary Deceased | Beneficiary entitled to payments is deceased. |
| R16 | Account Frozen | Funds unavailable due to specific action by the RDFI or legal action. |
| R17 | File Record Edit Criteria | Fields not edited by the ACH Operator are edited by the RDFI; identified in the addenda record of return. |
| R20 | Non-Transaction Account | ACH entry is destined for a non-transaction account. |
| R21 | Invalid Company Identification | The number used in the Company ID field is in error. |
| R29 | Corp customer advises not authorized | The account holder notified the RDFI that the originator of the transaction is not authorized to debit their account. They may not even be aware that it is being returned but according to their bank someone placed a hold on the account that states to not allow those debits. They would need to check with their bank to find out who/why and to have that hold removed. Until that happens it would most likely continue to return, we cannot remove that from our side. |
Credit Card Rejection Codes
Rejection Code |
Rejection Reason |
|---|---|
Invalid record type |
The card issuer is unable to validate the card/account number, possibly because an invalid character was used. |
The transaction was not approved. Response message: ERROR - Invalid amount (110) |
There are many reasons this could come up - it's recommended to try another card or contact your payment processor or gateway for more details. |
| Declined | The credit card transaction was declined by the issuing bank or cardholder's bank. |
| Invalid Card Number | The credit card number provided is invalid or does not match any valid card format. |
| Expired Card | The credit card being used for the transaction has expired. |
| Insufficient Funds | The cardholder's account does not have enough available funds to cover the transaction amount. |
| CVV/CVC Failure | The CVV (Card Verification Value) or CVC (Card Verification Code) provided does not match the one on file for the card. |
| Address Verification Failure | The address provided during the transaction does not match the billing address associated with the credit card. |
| Suspected Fraud | The transaction has been flagged as potentially fraudulent. |
| Cardholder Not Enrolled | The cardholder's credit card is not enrolled in the authentication program or secure verification method required for the transaction. |