Returned / NSF / Reject Codes

From time to time you will receive a REJECT message as it concerns EFT/eCheque Payments. Below are the following messages as they are received directly from the bank. For further information you may need to contact your financial institution directly.

 

900 Edit Reject - Either Tenant provided incorrect banking info or Property Management made a transpondence error.

901 NSF (Debit Only)- Insufficient funds available for withdrawal from designated account. 

902 Cannot Trace - CPA System (Canadian Payments Association) is unable to locate account information as entered. Similar to 900 Edit Reject.

903 Payment Stopped/Recalled - Account holder is aware of scheduled withdrawal and has asked their financial institution to not proceed. Tenant should be contacted and reminded of obligation under Lease.

904 Post/Stale Dated 

905 Account Closed - Account holder has closed account and it is unavailable for electronic processing. Contact Tenant and seek current/updated account info.

906 Account Transferred - Similar to above, 905 Account Closed.

907 No Chequing Privileges - Account information provided does not have chequing privileges. Contact Tenant and ask them for account info on a chequing account.

908 Funds Not Cleared - Some accounts may have various holding periods on deposits made to them. This code suggests that funds may be available for the withdrawal, but institution won’t clear them because of a hold. Tenant should be contacted to determine when a convenient date to re-attempt can be scheduled.

910 Payee/Payor Deceased - Account holder has passed on. Financial institution won’t allow withdrawals from the account until certain matters resolved.

911 Account Frozen - Occasionally, a financial institution will hold transactions from being completed on an account. Property Management should contact Tenant in these situations and have Tenant press financial institution to release the account freeze so transactions can be processed.

912 Invalid/Incorrect Account No. - Similar to error code 900 and similar steps should be taken.

914 Incorrect Payor/Payee Name - The account holder name may be different than that associated with the electronic transaction to run. If so, a financial institution may refuse the transaction. Property Management should contact Tenant and confirm the name to be associated with financial information provided.

915 Refused by Payor/Payee - This is similar to 903 Payment Stopped.

917  Agreement Revoked – Personal

990 Institution in Default

998 No Agreement for Returns

HOLD CALL - This is a bank message. Typically meant to hold the card and call the issuing bank for authorization. In this case the request has not gone through and the card holder should call their bank for authorization and try again

1031 VISA DEBIT FORBIDDEN - This occurs when a new account has been setup and VISA DEBIT has not been enabled yet. It can take up to two weeks for VISA DEBIT to be activated after a new account has been created.

DECLINE - This message comes up with the payment processed is declined by the financial institution or credit card company. The payee should contact their financial institution to find out more. This is a common occurrence for Visa Debit as there may be a restriction on the Visa Debit account.

C009 - Card mismatch. The card type in question is not currently supported. Please check if the correct card type (debit/credit) was selected. Some cards may currently not be supported (such as Visa Business)

HOLD-CALL - The customer’s issuing bank has prevented the transaction from being authorized. NOTE: As you are not processing this transaction in person, you won’t be able to take possession of the card. Have your customer call their issuing bank (the number is typically printed on the back of the credit card) and ask why the transaction was declined. Once the issuing bank confirms that they will approve future attempts, try the transaction again.

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