Merchant Account-Transaction Return Codes

Here are the most common ACH Responses from Rentec Direct & Forte when a transaction fails.

  • AUTH DECLINE
    Transaction was declined due to the originating bank.  For example, if a tenant makes a payment and gets a AUTH DECLINE error, it means their bank has rejected the transaction.
  • AUTH ERROR
    The originating bank experienced an error when authenticating the transactions.  You can retry these transactions.
  • AVS FAILURE AUTH
    The address verification failed.  Most often this means the zip code on the transaction does not match the zip code billing address of the card.
  • DECLINE
    Transaction was declined due to the originating bank.  For example, if a tenant makes a payment and gets a DECLINE error, it means their bank has rejected the transaction.
  • NSF
    The bank has responded stating that there is insufficient funds in the bank account to process this transaction.
  • TYPE NOT ALLOWED
    This means you are not setup with Forte to process this type of transaction.  Contact Rentec Direct success staff to get setup to accept this payment method.
  • ACCOUNT NOT APPROVED
    Customer account is in Forte's "known bad" account list (EFT only)
  • INVALID TRN
    The routing number provided does not match any known bank.
  • EXPIRED CARD
    The card is expired.
  • INVALID ACCT
    The account number on the transaction is invalid.
  • PIC UP
    A bank will issue a PIC UP code if the card is known to be bad.  The merchant is not supposed to give the card back to the customer.  
  • DUPLICATE TRANSACTION
    Forte has identified the transaction as a duplicate.  If the intent is to do two of the same value transaction, wait a few minutes and try again.
  • PER TRANS LIMIT
    You have reached your limit with Forte you will need to reach out to them by phone at 866-290-5400 to request an increase your limits.
  • BANK COMMUNICATION ERROR.  
    This means we tried to send your transaction to the bank, but the bank did not respond.  If this was for a scheduled tenant payment, the system will automatically re-try up to two more times during the day to submit the payment.  If the transaction was for an owner distribution, you will need to redo the distribution to the owner.    Note: Before re-running any transactions, verify with Forte that the original transaction in fact did not process to ensure there is no duplicated transactions.
  • EXCEEDED TRANS LIMIT
    You have reached your limit with Forte you will need to reach out to them by phone at 866-290-5400 to request an increase your limits.
  • DAILY TRANSACTION LIMIT EXCEEDED
    You have reached your limit with Forte you will need to reach out to them by phone at 866-290-5400 to request an increase.
  • WE DO NOT WORK WITH THIS FINANCIAL INSTITUTION
    We do NOT accept any incoming/outgoing transactions from this bank/financial institution.  This is very rare and only happens if the financial institution is known to commit or promote fraudulent transactions
  • Property Address Invalid
    You can fix this by logging into Rentec and edit the property.  Add address, city, state, zip.  All fields have to be completed)
  • No property linked to the renter
    The tenant needs to be placed in a property for the transaction to process.  If you moved the tenant out you will have to place this tenant back into the unit) 
  • Renter must have first [xxxx], last [xxxxxx], and phone [xxx-xxx-xxxx] 
    The first name, last name or phone number is missing, you will need to make corrections in the edit tenant screen. The phone number may be placed in the home phone or mobile field or both.  

If your code was not listed above or below, more codes can be found here: Transaction Return Codes

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