TRANSACT: Payment Error Codes


Status Codes 

Code that specifies whether or not the transaction was successfully processed.


ValueDescription
SSuccessful - the transaction was processed successfully and the funds have been transferred.
FFailed/Rejected/Declined - The transaction reached the bank but the funds were not able to be obtained and the payment was dishonoured. See the Transaction Sub Status Code for the reason for the transaction failing.
RUnable to process - retry later - the transaction was not processed, possibly due to bank unavailability or technical malfunction. The transaction may be able to be processed at a later time (please note that if you wish to re-attempt to process the transaction again later you will need to provide a different transaction reference).
NIn Progress - the transaction is still being processed and the result is not yet determined.
VVerification Required - 3-D Secure Only - if you are using 3-D Secure, this means the challenge scenario has been triggered and you must redirect your customer to the URL that is included in the transaction response (see here).



Sub Status Codes 

Additional information describing the transaction result such as the reason for the rejection if the transaction could not be processed)

ValueDescriptionNotes
Rejection Fee Possible?
R1Insufficient funds
Yes
R2Invalid bank account number
Yes
R3Invalid credit card
Yes
R4Expired credit card
Yes
R5Invalid transaction
No
R6Transaction declined
Yes
R7Authority revoked by payer
Yes
R8Payer deceased
Yes
R9Invalid bank account BSB
Yes
R10Bank account closed
Yes
R11Invalid payer contact details
Yes
R12Direct debit claim
Yes
R13Credit card chargeback
Yes
R14Stolen/pick up card
Yes
R15Limits exceeded-No
R16Pre-auth expired-No
R17Not processed (payer inactive)-No
R18Fraud protection triggered-No
R19Voided-No
R20Fraud Check / 3-D Secure: Authentication Failed-No
R21Fraud Check / 3-D Secure: Unable to Authenticate-No
R22Fraud Check / 3-D Secure: Transaction Abandoned-No
R23Fraud Check / 3-D Secure: Error Occurred-No
RFPartially refunded-
URUnder review

When using Real Time Cards, Payrix process transactions and set them to cleared.

They may hold them to review them, usually on 24hrs. Where the transaction is still successful, then funds are settled.

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