Failure Code Directory

CashLINQ Failure Codes

Communication Error / GSE- No Response from Gateway / VE- SCHEDULE ERROR

There was an interruption in communication during processing of the transaction and the transaction did not process as scheduled.

Typically, once the account holder has been notified you can copy the transaction schedule and reschedule/resubmit the transaction.

 

GSE/VE- NEW PAY INFO REQUIRED

There is an issue with the stored payment information and the transaction failed to process.

The transaction will need to be resubmitted.  The transaction schedule can be copied, so long as the payment info is re-keyed.

 

Credit Card Failure Codes

The “Issuing Bank” is the bank that issued the card to the cardholder.  For example a Southwest Airlines VISA is issued by Chase Bank, which makes Chase the Issuing Bank.

 

7 – Field Format Error

Invalid information was entered.

The card number, expiration, or CVV Number  could be the wrong number of digits or be in the wrong format.  Contact support for more details on the specific field involved.

 

12 – General Decline

The customer’s issuing bank has declined to approve the transaction.

Check the credit card number and transaction information to make sure they were entered correctly. If this does not resolve the problem, have the customer call their issuing bank (the number is typically printed on the back of the debit/credit card) and ask why the transaction was declined. You can try the transaction again once the issuer confirms they will approve future attempts.

 

13 – Referral

Transaction was declined but could be approved with a verbal authorization from the bank that issued the card.

If this is a terminal transaction – You can attempt to acquire a verbal authorization via phone and submit a manual Force Transaction using the voice authorization code.
If this transaction was processed online: Have the customer call their issuing bank (the number is typically printed on the back of the debit/credit card) and ask why the transaction was declined. You can try the transaction again once the issuer confirms they will approve future attempts.

 

23 – Invalid Account Number

The account number could not be attributed to a valid customer account.

Double check the card number for accuracy and re-submit. If it still declines, ask for an alternate card or form of payment.

 

24 – Invalid Expiration Date

The card is expired or a more current expiration exists for the account.

Double check the expiration date for accuracy or get updated expiration information from the cardholder and resubmit.

 

eCheck Failure Codes

If you see an “L” in front of the Failure Code it indicates a “Late Return” which means the decline response came through after the transaction had been paid out and therefore the funds were debited back from your account.

 

R01 – Insufficient Funds

The available balance was not sufficient to cover the dollar value of the debit entry.

Confirm with the account holder that the necessary funds are available and resubmit.

 

(Q)R02 – Account Closed

The account is closed.

Contact the account holder for updated payment information.

 

(Q)R03 – No Account/Unable to Locate Account

The account number structure is valid and passes the validation process, but does not correspond to an individual or is not an open account.

Contact the account holder for updated payment information.

 

(Q)R04 – Invalid Account Number

Account Number was not recognized by the account holder’s bank.

Double check the account number for accuracy ensuring any preceding zeros are included and resubmit

 

(Q)R05 – Improper Debit to Consumer Account

The account holder has not authorized the debit, and the transaction was submitted as “Corporate” instead of “Personal”.

Contact the account holder and verify if their bank will authorize future debits before attempting to resubmit. Once authorization is verified, contact CashLINQ to remove the account information from the blocked list before resubmitting as a “Personal” not a “Corporate” account.

 

(Q)R07 – Authorization Revoked by Customer

The account holder, who previously authorized the debit, has revoked that authorization.

Contact the account holder and verify if their bank will authorize future debits before attempting to resubmit. Once authorization is verified, contact CashLINQ to remove the account information from the blocked list before resubmitting.

 

(Q)R08 – Payment Stopped

The account holder with a recurring debit transaction has stopped payment to this specific EFT debit.

Contact the account holder and verify if their bank will authorize future debits before attempting to resubmit. Once authorization is verified, contact CashLINQ to remove the account information from the blocked list before resubmitting.

 

(Q)R09 – Uncollected Funds

The available balance was not sufficient to cover the dollar value of the debit entry.

Confirm with the account holder that the necessary funds are available and resubmit.

 

(Q)R10 – Customer Advises Not Authorized

The account holder has advised that the debit was unauthorized.

Contact the account holder and verify if their bank will authorize future debits before attempting to resubmit. Once authorization is verified, contact CashLINQ to remove the account information from the blocked list before resubmitting.

 

(A/Q)R13 – Invalid Routing Number/Bank Not Qualified to Participate

The routing number is not recognized as a participating bank.

Double check the routing number and resubmit. Sometimes the account and routing numbers are transposed when a transaction is entered.

 

(Q)R16 – Account Frozen

Funds unavailable due to specific action by the bank or by legal action.

Contact account holder for an alternate payment method.

 

(Q)R20 – Non Transaction Account

The EFT entry is destined for a non-transaction account (i.e., an account against which transactions are prohibited or limited).

Contact the account holder for an alternate payment method.

 

(A)R24 –Duplicate Entry

The transaction has been flagged as a duplicate.

 

(A)R26 – Mandatory Field Error

Improper information in one of the mandatory fields.

The transaction was not presentable using the information provided. Resubmit the transaction being sure not to include special characters in names, etc.

 

(A/Q)R28 – Routing number check digit error

The routing number is invalid.

Double check the routing number and resubmit. Sometimes the account and routing numbers are transposed when a transaction is entered.

 

(Q)R29 – Corporate Customer Advises Not Authorized

The corporate account holder has advised that the debit was not authorized.

Contact the corporate account holder and verify if their bank will authorize future debits before attempting to resubmit. Once authorization is verified, contact CashLINQ to remove the account information from the blocked list before resubmitting.

 

(A)R99- Unspecified

The reason for error is unspecified.

Generally, these are either a manual failure by request if it is received before the transaction is sent for processing or a system error has occurred. Check the error message or call your relationship manager for more information on the specifics.

Failure codes, failure reason, credit card decline, echeck decline, echeck failure, eft failure, eft decline

Did this article answer your question?

How can we improve this article?

Your Name (optional)

Your Email (optional)