Common Payment Processing Error Codes

Here are the most common payment processing error codes from Rentec Direct & CSG Forte when an ACH or Credit/Debit Card transaction fails. These transaction return codes will help you understand why a transaction did not process. 

This article reviews:


System Note: If your code was not listed in this article, click on this link to review additional Transaction Return Codes


Important Note: If a scheduled ACH or Credit/Debit Card payment fails to process, the software will attempt to run it again (that same day) if one of the three processing times has not yet occurred. In compliance with csgForte, failed credit /debit  ACH transactions from the same bank account are limited to 3 attempts per day. After the 3rd failure, they will receive a message indicating "TOO MANY FAILURES," and any further attempts must be from a different card or account.

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.

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 ext 4 to request an increase.
P15:HIGH RISK 
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.
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

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 ext 4.

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 ext 4.

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:

  1. If the same credit/debit card failed three times when submitting an application
  2. If the same IP address submitted more than 10 failed or 20 successful applications

Corporate Customer Advises Not Authorized R29

Your bank blocked the transaction. This may occur when a bank account has a Debit Filter. Reach out to Forte for assistance 866-290-5400 ext 4.

Your Rentec Direct Account Level Errors

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/debit card only use or
  • The bank account indicated is not a merchant account
Did this answer your question? Thanks for the feedback There was a problem submitting your feedback. Please try again later.

Related Articles