Common Payment Processing Error Codes
Here are the most common payment processing error codes from Rentec Direct & CSG Forte when an ACH or Credit Card transaction fails. These transaction return codes will help you understand why a transaction did not process.
Bank or Forte Level 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 entered for the transaction does not match the zip code of the 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 set up with CSG Forte to process this type of transaction. Contact your Rentec Direct Success team to get set up to accept this payment method.
ACCOUNT NOT APPROVED
Customer account is in CSG 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
CSG Forte has identified the transaction as a duplicate. If the intent is to do two of the same value transactions, wait a few minutes and try again.
You have reached your limit with CSG Forte you will need to reach out to them by phone at 866-290-5400 to request an increase.
This is a CSG Forte Verify response code that indicates that the account entered may be a high-risk account. This means the routing or account number may be within a high-risk group, or the account may have documented NSF or Chargebacks.
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 retry 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 CSG Forte that the original transaction in fact did not process to ensure there are no duplicated transactions.
EXCEEDED TRANS LIMIT
There are three transaction limits that may occur; per transaction, daily, and monthly. Rentec Direct does not have knowledge of your transaction limits as each client is different. You may want to reach out to Forte directly to discuss your limits at 866-290-5400.
DAILY TRANSACTION LIMIT EXCEEDED
You have reached your daily limit with CSG Forte and will need to reach out to them directly for assistance at 866-290-5400.
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
SORRY WE CANNOT ACCEPT ANY MORE APPLICATIONS AT THIS TIME
Extra security measures have been put in place to help deter fraud attempts. If this message is being displayed a different card may be used or try again in 24 hours.
There are a couple of reasons this message may be displayed:
- If the same credit card failed three times when submitting an application
- If the same IP address submitted more than 10 failed or 20 successful applications
ADDITIONAL ERRORS - That may be Remedied in Your Rentec Direct Account
Property Address Invalid
For online payments to process, the property the tenant is placed in must have a complete address including city, state, and zip code. This error can usually be resolved by updating the property address.
No property linked to the renter
The tenant needs to be placed in a property for the transaction to process. If the tenant was moved out, they will need to be moved back in for an online payment to process.
Renter must have first [xxxx], last [xxxxxx], and phone [xxx-xxx-xxxx]
Tenants must have a first name, last name, and phone number (either mobile or home) for online payments to process. If you receive this error message, the information missing in the error message indicates what needs to be added to the tenants' profile (the message shows: last name, Johnny, 123-456-7890 would indicate the last name needs to be added).
Account not set up for ACH
- The merchant account being used for the bank account may be setup for credit card only use or
- The bank account indicated is not a merchant account
If your code was not listed in this article, more codes can be found here: Transaction Return Codes