How to resolve your failed payment error

If your payment failed, you can see why it did so and how you can resolve it in this article.

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.