When you receive a failed payment, you will see what the error code is. Identify which error code you received corresponding to the following charts, and see "Recourse" for resolution options.
Glossary of Failed Payment Codes and how to resolve:
Code | Definition | Common Causes | Recourse |
CHECK_DEPOSIT_REJECTED | Deposit was rejected. | Invalid account, image issues, exceeds limit. | Request resubmission or alternate payment. |
ACCOUNT_TO_CARD_FAILED | Transfer of funds from account to card failed. | Incorrect/expired card info, network failure. | Reattempt with updated card info or alternate method. |
InsufficientFunds | Originating account did not have enough balance. | Low balance at time of debit. | Request alternate payment or retry after deposit. |
AccountClosed | Account has been closed. | Customer/vendor closed the account. | Obtain updated bank account details. |
NoAccount | Account number does not exist. | Incorrect account or routing details. | Verify and correct account information. |
CorporateCustomerAdvisesNotAuthorized | Corporate customer claims debit was unauthorized. | Debit not permitted or authorization not valid. | Stop debits, obtain new authorization or resolve dispute. |
💳 Credit Cards
Code | Definition | Common Causes | Recourse |
CREDIT_CANCELED | Refund/credit canceled before settlement. | Merchant canceled, duplicate request, or technical failure. | Reinitiate refund; confirm settlement. |
DEBIT_FAILED | Card debit did not process. | Insufficient funds, expired card, invalid CVV, or block. | Retry or request alternate payment. |
EXPIRED | Authorization expired before settlement. | Merchant delay or network timeout. | Re-run transaction. |
UNKNOWN | Unclassified error. | Network issue or unrecognized code. | Retry or escalate to processor. |
CREDIT_CARD_REFUND | Refund issued to card. | Customer return or adjustment. | Inform customer timeline (5–10 days). |
CREDIT_CARD_DISPUTE_ACCEPTED | Dispute/chargeback ruled in favor of cardholder. | Fraud, duplicate billing, or service issue. | Provide documentation for appeal. |
PURCHASE_RETURNED | Original purchase reversed. | Fraud, duplicate, or dispute. | Review logs, reattempt if valid. |
REFUND | Generic refund. | Customer request or adjustment. | Confirm settlement with processor. |
🏦 ACH Payments
Code | Definition | Common Causes | Recourse |
InsufficientFunds | Account balance insufficient. | Low funds. | Retry after deposit. |
AccountClosed | Account closed. | Customer/vendor closed account. | Request updated details. |
NoAccount | Account not found. | Invalid routing/account. | Correct details. |
UnauthorizedDebitToConsumer | Consumer claims debit unauthorized. | Fraud or revoked consent. | Stop debits, obtain new auth. |
CorporateCustomerAdvisesNotAuthorized | Corporate debit not authorized. | No valid corporate authorization. | Get new authorization. |
✍️ Check Payments
Code | Definition | Common Causes | Recourse |
CHECK_DEPOSIT_REJECTED | Deposit rejected. | Invalid account, image errors. | Resubmit or alternate payment. |
CHECK_DEPOSIT_RETURNED | Deposit accepted, then returned. | NSF, stop payment, closed account. | Contact issuer for alternate payment. |
CHECK_PAYMENT_REJECTED | Outgoing check rejected. | Insufficient funds, invalid payee info. | Correct and reissue. |
CHECK_PAYMENT_RETURNED | Check returned after deposit. | Closed account, NSF. | Notify vendor, reissue payment. |
✍️ Instant Payments
Code | Definition | Common Causes | Recourse |
ACCOUNT_TO_CARD_FAILED | Account to card transfer failed. | Invalid card info or expired card. | Reattempt with correct details. |