The credit card and ACH transactions that were not processed will show a "Failed" status on the "Billing > Transactions" page.

To check why a transaction failed, click the failed transaction. You will see a side panel with the details of the transaction. Here, see the following fields to understand why the transaction failed.

AUTH CODE
REFUSAL REASON
DETAILED REFUSAL REASON
AVS RESPONSE
CVC RESPONSE

Here is a screenshot of a failed credit card transaction.

The following sections provide more details about the different reasons why payments can be declined, the relevant codes, and recommended actions.

Credit card transactions

Here are the details of the codes relevant to credit card transactions.

Credit card payment refusal reasons

Here is a list of refusal reasons/codes why credit card payments can be declined and the actions the cardholder must take.

Refusal code	Recommended action
Declined	Issuer Decline - Call Bank or Try Alternative Payment Method
Do not honor	Issuer Decline - Call Bank or Try Alternative Payment Method
Expired card	Issuer Decline - Call Bank or Try Alternative Payment Method
Fraudulent card	Issuer Decline - Call Bank or Try Alternative Payment Method
Incorrect payment information	Review Billing and Card Information
Insufficient funds	Issuer Decline - Call Bank or Try Alternative Payment Method
Invalid card security code	Review Billing and Card Information
Invalid expiration date	Review Billing and Card Information
Invalid PIN	Review Billing and Card Information
Lost card	Issuer Decline - Call Bank or Try Alternative Payment Method
No card number on file with issuer	Review Billing and Card Information
No such card issuer	Review Billing and Card Information
Over limit	Issuer Decline - Call Bank
Processing error	Re-Try Payment
Rainforest risk decline	Try Alternative Payment Method
Stolen card	Issuer Decline - Call Bank or Try Alternative Payment Method
Unexpected payin token	Re-Try Payment
Unsupported card type	Try Alternative Payment Method

AVS response codes

Address Verification Service (AVS) response codes indicate whether a customer's address matches the address on file with the credit card issuer.

Here is the list of AVS response codes and their descriptions.

Code	Description
A	Street address matches, ZIP does not
B	Street address matches. Postal code not verified due to incompatible formats
C	Street address and postal code not verified due to incompatible formats
D	Street address and postal code both match (international-only)
E	Information invalid or not allowed for this card type
F	Street address and postal code both match (UK-only)
G	Not verified for international transaction, or issuer does not support verification
I	Not verified
M	Street address and postal code both match (international-only)
N	Neither street address or postal code matches
O	Card member name and street address match
P	Postal Code matches, street address unverifiable due to incompatible formats (international-only)
R	Retry due to the system not being available
S	Not supported. If present, replaced with U (for domestic) or G (for international)
U	Address information is unavailable
W	9-Digit ZIP matches, street address does not
X	5-Digit ZIP and street address both match
Y	9-Digit ZIP and street address both match
Z	5-Digit ZIP matches, street address does not

CVC response codes

A Card Verification Code (CVC) response code is used to validate the CVC entered to complete the transaction.

Code	Description
M	Match
N	No Match
P	Not Processed
S	Should be on the card but not so indicated
U	Issuer Not Certified
X	No response from the association
Blank	No CVV2/CVC data is available for the transaction

ACH transactions

Here are the details of the codes relevant to ACH transactions.

ACH return reasons

Automated Clearing House (ACH) return codes are used in the ACH system to indicate why an ACH transaction was not successful.

Here is the list of reasons for ACH returns and the time frame to process the return.

ACH return reason	Time frame
Insufficient Funds	2 Banking Days
Account Closed	2 Banking Days
No Bank Account/Unable to Locate Account	2 Banking Days
Invalid Account Number	2 Banking Days
Unauthorized Debit to Consumer Account Using Corporate SEC Code	60 Calendar Days
Returned per ODFI's Request	Undefined
Customer Revoked Authorization	60 Calendar Days
Payment Stopped	2 Banking Days
Uncollected Funds	2 Banking Days
Originator not known and/or not authorized to Debit Receiver’s Account	60 Calendar Days
Check Truncation Entry Return	60 Calendar Days
Branch Sold to Another DFI	2 Banking Days
Invalid ACH Routing Number	2 Banking Days
Representative Payee Deceased or Unable to Continue in That Capacity	2 Banking Days
Beneficiary or Account Holder Deceased	2 Banking Days
Account Frozen	2 Banking Days
File Record Edit Criteria	2 Banking Days
Improper Effective Date	2 Banking Days
Amount Field Error	2 Banking Days
Non-Transaction Account	2 Banking Days
Invalid Company ID	2 Banking Days
Invalid Individual ID	2 Banking Days
Receiver Refused Credit	Undefined
Duplicate Entry	2 Banking Days
Addenda Error	2 Banking Days
Mandatory Field Error	2 Banking Days
Trace Number Error	2 Banking Days
Routing Number Check Digit Error	2 Banking Days
Corporate Customer Advises Not Authorized	2 Banking Days
Receiving DFI Not Participant in Check Truncation Program	2 Banking Days
Permissible Return Entry (CCD and CTX only)	Undefined
RDFI Non-Settlement	2 Banking Days
Return of XCK Entry	60 Calendar Days
Limited Participation DFI	2 Banking Days
Improper Debit Entry	2 Banking Days
Improper Credit Entry	2 Banking Days
Source Document Presented for Payment	60 Calendar Days
Stop Payment on Source Document	60 Calendar Days
Improper Source Document	2 Banking Days
Return of ENR Entry	Undefined
Invalid Transaction Code	Undefined
Routing Number/Check Digit Error	Undefined
Invalid DFI Account Number	Undefined
Invalid Individual ID Number or Identification Number	Undefined
Invalid Individual Name/Company Name	Undefined
Invalid Representative Payee Indicator	Undefined
Duplicate Enrollment	Undefined
State Law Affecting RCK Acceptance	Undefined
Item Related to RCK Entry Is Ineligible, or RCK Entry Is Improper	Undefined
Stop Payment on Item Related to RCK Entry	60 Banking Days
Item and RCK Entry Presented for Payment	60 Calendar Days
Misrouted Return	60 Calendar Days
Return of Erroneous or Reversing Debit	5 Banking Days
Duplicate Return	Undefined
Untimely Return	5 Banking Days
Field Error	5 Banking Days
Permissible Return Not Accepted / Not Requested by ODFI	5 Banking Days
Misrouted Dishonored Return	5 Banking Days
Untimely Dishonored Return	5 Banking Days
Timely Original Return	5 Banking Days
Corrected Return	Undefined
Original Return Not a Duplicate	5 Banking Days
No Errors Found	2 Banking Days
Non-Acceptance of R62	2 Banking Days
IAT Coding Error	2 Banking Days
Non-Participant in IAT Program	2 Banking Days
Invalid Foreign Receiving DFI Identification	2 Banking Days
Foreign Receiving DFI Unable to Settle	2 Banking Days
Not Processed by Gateway	Undefined
Incorrectly Coded Outbound International Payment	2 Banking Days

Interpreting failed transactions