Reject Codes

This section provides information on reject codes for credit cards, ACH and Direct Debit.

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* Attention Developers: Reject codes are always returned with the same format from our API integrations.  The format is “REJECT: #” where # is the reject code and there is a space after the colon. 

 

CREDIT CARD REJECT CODES - NORTH AMERICA

 

Reject/Return Code Reason
REJ:1 Agent code has not been set up on the authorization system. Please call iATS at 1-888-955-5455.

REJ:2

Unable to process transaction. Verify and re-enter credit card information.
REJ:3 Invalid Customer Code.
REJ:4 Incorrect expiration date.
REJ:5 Invalid transaction. Verify and re-enter credit card information.
REJ:6 Please have cardholder call the number on the back of the card.
REJ:7 Lost or stolen card.
REJ:8 Invalid card status.
REJ:9 Restricted card status. Usually on corporate cards restricted to specific sales.
REJ:10 Error. Please verify and re-enter credit card information.
REJ:11 General decline code. Please have client call the number on the back of credit card
REJ:12 Incorrect CVV2 or Expiry date
REJ:14 The card is over the limit.
REJ:15 General decline code. Please have client call the number on the back of credit card
REJ:16 Invalid charge card number. Verify and re-enter credit card information.
REJ:17 Unable to authorize transaction. Authorizer needs more information for approval.
REJ:18 Card not supported by institution.
REJ:19 Incorrect CVV2 security code
REJ:22 Bank timeout. Bank lines may be down or busy. Re-try transaction later.
REJ:23 System error. Re-try transaction later.
REJ:24 Charge card expired.
REJ:25 Capture card. Reported lost or stolen.
REJ:26 Invalid transaction, invalid expiry date. Please confirm and retry transaction.
REJ:27 Please have cardholder call the number of the back of credit card.
REJ:32 Invalid Credit Card Number
REJ:39 Contact iATS at 1-888-955-5455.
REJ:40 Invalid cc number. Card not supported by IATS.
REJ:41 Invalid Expiry date.
REJ:42 CVV2 required.
REJ:43 Contact iATS at 1-888-955-5455.
REJ:100 DO NOT REPROCESS. Call iATS at 1-888-955-5455.
TIMEOUT The system has not responded in the time allotted. Call iATS at 1-888-955-5455.

 

IMPORTANT NOTE - For Reject Codes 45 to 53, please reach out to our dedicated Partners' team at partners@iatspayments.com for more information. 

 

 

* Attention Developers: Reject codes are always returned with the same format from our API integrations.  The format is “REJECT: #” where # is the reject code and there is a space after the colon. 

CREDIT CARD REJECT CODES - UK/EUROPE

 

Reject/Return Code Reason
REJ:1 Agent code has not been set up on the authorization system. Please call IATS Customer Service at 0808-234-0466.

REJ:2

Unable to process transaction. Verify and re-enter credit card information.
REJ:3 Invalid Customer Code.
REJ:4 Incorrect expiration date.
REJ:5 Invalid transaction. Verify and re-enter credit card information.
REJ:6 Transaction not supported by institution.
REJ:7 Lost or stolen card.
REJ:8 Invalid card status.
REJ:9 Restricted card status. Usually on corporate cards restricted to specific sales.
REJ:10 Error. Please verify and re-enter credit card information.
REJ:11 General decline code. Please have client call the number on the back of credit card
REJ:12 Incorrect CVV2 or Expiry date
REJ:14 The card is over the limit.
REJ:15 General decline code. Please have client call the number on the back of credit card
REJ:16 Invalid charge card number. Verify and re-enter credit card information.
REJ:17 Unable to authorize transaction. Authorizer needs more information for approval.
REJ:18 Card not supported by institution.
REJ:19 Incorrect CVV2 security code
REJ:22 Bank timeout. Bank lines may be down or busy. Re-try transaction later.
REJ:23 System error. Re-try transaction later.
REJ:24 Charge card expired.
REJ:25 Capture card. Reported lost or stolen.
REJ:26 Invalid transaction, invalid expiry date. Please confirm and retry transaction.
REJ:27 Please have cardholder call the number of the back of credit card.
REJ:32 Invalid Credit Card Number
REJ:39 Contact IATS 0808-234-0466.
REJ:40 Invalid cc number. Card not supported by IATS.
REJ:41 Invalid Expiry date.
REJ:42 CVV2 required.
REJ:43 Incorrect AVS.
REJ:60 Set-up error. Please contact IATS Customer Service at 0808-234-0466.
REJ:61 Authentication failed.
REJ:62 Invalid timestamp. Please contact IATS Customer Service at 0808-234-0466.
REJ:63 Payment voided.
REJ:64 Pre-authorization expired / CC mismatch / Insufficient amount
REJ:65 Unsupported card scheme. Please contact IATS Customer Service at 0808-234-0466.
REJ:66 Set-up error - Channel issue. Please contact IATS Customer Service at 0808-234-0466.
REJ:67 Set-up error - No submitter. Please contact IATS Customer Service at 0808-234-0466.
REJ:68 Void payment failure.
REJ:69 Unexpected response. Please contact IATS Customer Service at 0808-234-0466.
REJ:70 Result indeterminate. Please contact IATS Customer Service at 0808-234-0466.
REJ:71 Mandatory field missing.
REJ:91 Issuer unavailable.
REJ:100 DO NOT REPROCESS.
TIMEOUT The system has not responded in the time allotted. Please contact IATS at 0808-234-0466.

 

IMPORTANT NOTE - For Reject Codes 45 to 53, please reach out to our dedicated Partners' team at partners@iatspayments.com for more information. 

 

 

ACH REJECT CODES

 

Possible reasons for ACH rejects:

 

Reject/Return Code Reason
50 Agent Setup Error

51

System Setup Error
52 ACH File Error
53 Wrong File Total
54 Wrong Currency
55 System Error
60 & 56 REJ Other
98 Mod Check on RDFI-ID Failed
111 Setup Issue

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

IMPORTANT NOTE - For ACH Reject Codes, the reject reason is dynamically received from the bank. The above table simply represents a sample. If you have additional questions, please reach out to our dedicated Partners' team at partners@iatspayments.com.

 

 

 

 

 

DIRECT DEBIT/BACS RETURN CODES

 

1) ADDACS (Automated Direct Debit Amendment and Cancellation Service)

Issued if the donor contacts their bank to cancel the donation or if their account, name or address details change. Notification time varies as it is dependent upon a cancellation request. 

Reject/Return Code Reason
0 Instruction cancelled - refer to payer

1

Instruction cancelled by payer
2 Payer deceased
3 Instruction transferred to another bank/building society
B Account closed
C Account/Instruction transferred to a different branch of a bank/building society
D Advance notice disputed
E Instruction amended
R Instruction re-instated

 

 

2) AUDDIS (Automated Direct Debit Instruction Service)

Issued if there is a problem setting up the debit instructions at the donors bank. Notification time varies as it is dependent upon a cancellation request.

Reject/Return Code Reason

1

Instruction cancelled by payer

2

Payer deceased
3 Instruction transferred to another bank/building society
5 No Account
6 No Instruction
7 DDI amount not zero
B Account Closed
C Account/Instruction transferred to a different branch of the bank/building society
F Invalid account type
G Bank will not accept Direct Debits on account
H Instruction Expired
I Payer reference is not unique
K Instruction cancelled by bank
L Incorrect payer's account details
M Transaction code/User status incompatible
N Transaction disallowed at payer's branch
O Invalid Reference
P Payer's name not present
Q Service User name blank

 

 

3) ARUDD (Automated Return of Unpaid Direct Debit)

Generally Issued due to insufficient funds or if a donation has been cancelled. Notification is issued 2-4 days after the Charge or Collection date.

Reject/Return Code Reason
0 Refer to Payer (Insufficient Funds)

1

Instruction cancelled
2 Payer deceased
3 Account Transferred
4 Advance notice dispute
5 No account (or wrong account type)
6 No instruction
7 Amount differs
8 Amount not yet due
9 Presentation overdue
A Service User differs
B Account Closed

 

 

4) DDICA (Direct Debit Indemnity Claim)

Issued by the Payer or Bank which reverses the original transaction. The payer can claim many past transactions back at one time. The Status field on the related iATS Transaction record should have been automatically changed from Approved to Returned. If not already done, please switch the Customer Code recurring status to OFF via the iATS Button Virtual Terminal on the Opportunity or Recurring Donation record to prevent iATS from continuing to debit this donor. A new DDI and Customer Code will need to be created if needed. 

 

IMPORTANT NOTE - For additional information, please reach out to our dedicated Partners' team at partners@iatspayments.com