Unpaid Code Descriptions

Overview

Unpaid Transaction Codes are transactional indicators received once a transaction fails in the banking system.

Unpaid Transaction Codes are passed by the account holders’ bank, back to Netcash after the transaction was submitted to the bank -and we have absolutely no control over, nor do we issue these codes.

PLEASE NOTE: Unpaid Transaction Codes are usually received back from the account holders’ bank within 3 (three) business days, but an Unpaid Transaction Code can be received at any time after the transaction was processed. There is no legal time limit for a transaction to be marked as ‘unpaid’.
The account holders’ bank determines the reason for the unpaid transaction/code – Netcash merely informs you of the Unpaid Transaction Code as soon as we receive it back from the account holders’ bank.

Refer to the Banking Association South Africa, the South African Reserve Bank -and the Payments Association of South Africa regulations with regards to Unpaid Transactions and Codes.

For Web Service response codes click here

Unpaid Transaction Codes

Unpaid Code	Brief Description	Full Description	Permanent Failure	Action
02	Not provided for	There were insufficient funds in this account. Please contact the customer to make arrangements for alternative payment or arrange to process a double payment on the next batch run.	No	You may re-run this transaction for a maximum of 3 (three) times. If your receive 3 (three) code 02 rejections -you will require a new mandate. See season code 60.
03	Debits not allowed to this account	The customers’ account is a special savings account and cannot be debited. Kindly request customer to provide alternative banking details account details or change the account to a Transmission Account.	Yes	No, you now require a new mandate should you wish to process this transaction again.
04	Payment Stopped (by a/c holder)	Your customer has requested that payment be stopped and the debit order be reversed. Please contact your customer to query the Stop Payment. No further debit order instruction will run against this account until Stop Payment has been lifted.	Yes	No, you now require a new mandate should you wish to process this transaction again.
06	Account Frozen (as in divorce, etc)	Your customers account has been frozen due to legal proceedings Please contact your customer to obtain alternative banking details. No further debit orders will be run against this account until legal proceedings have been completed.	Yes	No, you now require a new mandate should you wish to process this transaction again.
08	Account in sequestration (private individual)	Your customers account has been frozen due to legal proceedings Please contact your customer to obtain alternative banking details as no further debit orders will be run against this account.	Yes	No, you now require a new mandate should you wish to process this transaction again.
10	Account in liquidation (company)	Your customers account has been frozen due to legal proceedings Please contact your customer to obtain alternative banking details as no further debit orders will be run against this account.	Yes	No, you now require a new mandate should you wish to process this transaction again.
12	Account closed (with no forwarding details)	Your customers account has been closed. Kindly contact your customer to obtain alternative banking details as no further debit orders can be run against this account.	Yes	No, you now require a new mandate should you wish to process this transaction again.
14	Account transferred	Account transferred within the same banking group	Yes	No, you now require a new mandate should you wish to process this transaction again.
22	Account effects not cleared	Your customers’ account had funds but these were not cleared in time for the debit order to be processed. Please contact you customer to arrange manual payment or confirm when your debit order can be resubmitted	Yes	No, you now require a new mandate should you wish to process this transaction again.
26	No such account	Your customers’ account may be invalid or has been closed. Please contact your customer to obtain alternative banking details.	Yes	No, you now require a new mandate should you wish to process this transaction again.
30	No authority to debit / credit	Your customer has stopped payment of the debit order, allegedly due to you not having authority to debit the account. Please contact you r customer to resolve the dispute as no further debit orders will be submitted on this account until stop payment is lifted.	Yes	No, you now require a new mandate should you wish to process this transaction again.
32	Debit in contravention of payer’s authority	Your customer has stopped payment of the debit order which allegedly is in contravention of the agreement entered into. Please contact your customer to resolve the dispute. No further debit orders can be submitted on this account until stop payment is lifted.	Yes	No, you now require a new mandate should you wish to process this transaction again.
34	Authorisation cancelled	Your customer has stopped payment on the debit order, and cancelled the authorisation. Please contact your customer to resolve the dispute as no further debit orders will be submitted on this account until stop payment is lifted.	Yes	No, you now require a new mandate should you wish to process this transaction again.
36	Previously stopped via stop payment advice	Your customer has previously stopped payment of the debit order due to a dispute. Please contact your customer to resolve the dispute as no further debit orders will be submitted on this account until stop payment is lifted.	Yes	No, you now require a new mandate should you wish to process this transaction again.
50	Account Number Invalid	Your customers account is invalid. Please contact your customer to obtain alternative banking details.	Yes	No, you now require a new mandate should you wish to process this transaction again.
51	Bank Recall	The bank has requested a recall on this debit order transaction entry. Please contact your customer to arrange settlement and resubmit if necessary.	Yes	No, you now require a new mandate should you wish to process this transaction again.
56	Not FICA compliant	This account is not FICA compliant and the bank will not allow any further transactions to this account until your customer complies to the requirements. Please make alternative arrangements for payment with your client.	Yes	No, you now require a new mandate should you wish to process this transaction again.
57	Duplicate Reversal	A duplicated transaction has been reversed by the bank
60	Consecutive Unpaid Rejection	There have been consecutive unpaid transactions against this account number. Remove the transaction from all future batches.	Yes	No, you now require a new mandate should you wish to process this transaction again.
145	Account failed final validation	This is a credit payment error when an account fails the final validation but still exists in the re-submit if necessary.	Yes	No, you now require a new mandate should you wish to process this transaction again.

Credit Card Specific Unpaid Reason Codes What is an Unpaid Transaction Code?

81	Credit Card Token Error	This transaction has been declined because there is a likely error in the token. Please get a new token for this card number and rerun the transaction.	Yes	No, you now require a new mandate should you wish to process this transaction again.
82	Credit Card Declined – Please Call	This transaction has been declined because the bank needs a call to authorize the transaction. Please contact the customer and ask them to contact the bank with regards to the transaction and then rerun the transaction.	Yes	No, you now require a new mandate should you wish to process this transaction again.
83	Credit Card Timeout This transaction has timed out on the bank credit card switch	but has not been declined. It has thus not reached the intended customer account. Please run this again in a new batch.	Yes	No, you now require a new mandate should you wish to process this transaction again.
84	Credit Card Declined – Reported As Stolen	This transaction has been declined because the card has been reported stolen. Please contact the customer to get new details to process any additional transactions	Yes	No, you now require a new mandate should you wish to process this transaction again.
85	Credit Card Declined – Account Closed	This transaction has been declined because the account has been closed. Please contact the customer to get new details to process any additional transactions	Yes	No, you now require a new mandate should you wish to process this transaction again.
86	Credit Card Declined – Disputed by the cardholder	This transaction has been declined because it has been disputed by the cardholder. Please contact the customer to get a new expiry date and process the transaction again.	Yes	No, you now require a new mandate should you wish to process this transaction again.
87	Credit Card Declined – Invalid number	This transaction has been declined because it is an invalid card number. Please contact the customer to verify the details and process the transaction again.	Yes	No, you now require a new mandate should you wish to process this transaction again.
88	Credit Card Declined – Expired	This transaction has been declined because the card has expired. Please contact the customer to get a new expiry date and process the transaction again.	Yes	No, you now require a new mandate should you wish to process this transaction again.
89	Credit Card Declined	This transaction has been declined by the credit card company. Please contact the customer to make arrangements for alternative payment or arrange to process a double payment on the next batch run.	Yes	No, you now require a new mandate should you wish to process this transaction again.
90	Non Possession of card	Gateway return with a reason of Non-Possession of the card is usually related to a return that was done because the card was used fraudulently.	Yes	No, you now require a new mandate should you wish to process this transaction again.

Action required

Click here for the Netcash Statement Reconciliation specification and see Table 1 for the specific service unpaid transaction ledger account to affect the negative/unpaid transaction to.

Netcash brand guidelines

Please refer to the Netcash brand guidelines here when using any logos, images, icons, labels, descriptions, and references to Netcash in your software.

Testing

See the Testing section for more details. If you require any integration assistance contact our technical support team

Netcash may provide example/sample/demo ‘code snippets’ and/or external links in this Technical Document. Such are for guidance purposes only and may not function on every developer’s system/s. Netcash disclaims any and all liability for the usage of guidance resources provided -and you as the Developer; must accept full responsibility for the usage of such. While every possible effort has been taken to ensure compatibility across multiple system configurations, the contents of this document cannot be guaranteed to work on all systems, with all operating systems -and/or with all system configuration/s.

Overview

Unpaid Transaction Codes

Credit Card Specific Unpaid Reason Codes

Action required

Netcash brand guidelines

Testing