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. 

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 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 transaction, wait a few minutes and try again.

PER TRANS LIMIT
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.
P15:HIGH RISK 
This is a 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.
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 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
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 your limits.

DAILY TRANSACTION LIMIT EXCEEDED
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.

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


ADDITIONAL ERRORS

Property Address Invalid

You can fix this by logging into your Rentec Direct account and edit the Property.  Add the address, City, State, and zip code (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, and/or phone number are missing and you will need to make corrections by editing the tenant profile. The phone number may be placed in the home phone or mobile field or both.  

If your code was not listed in this article, more codes can be found here: Transaction Return Codes

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