How to handle unsuccessful payments
There are several reasons payments could fail both on the collect or the delivery end of the payment. Some could be on the side of the payer, and some on the side of the receiver.
When a payment fails on the collect side:
| Explanation of payment failure | For bank reference only | ||||
| Paying from | Reason | Issue | Resolution | Card fail code | Formal title |
| Credit card | Unsuccessful payment | Card appears to be blocked due to a limit or fraud concern. | Choose a different payment method or contact your card issuer to resolve the issue. | 5 | doNotHonor |
| Credit card | Invalid transaction | The transaction code is not valid for the type of account or category for this payment. | Choose a different payment method or contact your card issuer to fix the issue. | 12 | Invalid Transaction Code |
| Credit card | Insufficient funds | The card has reached its limit. | Add funds or choose a different payment method to reschedule. | 51 | Insufficient Collected Funds |
| Credit card | Payment exceeds the withdrawal limit | The card has reached its limit. | Add funds or choose a different payment method to reschedule. | 61 | Exceeds Maximum Permissible Entry |
| Credit card | Insufficient funds | The card has reached its limit. | Add funds or choose a different payment method to reschedule. | 183 | Insufficient Funds |
| ACH | Insufficient funds | The account has insufficient funds for this payment. | Add funds or choose a different payment method to reschedule. | R01 | Insufficient Funds |
| ACH | Uncollected funds | The account has insufficient funds. | Add funds or choose a different payment method to reschedule. | R09 | Uncollected Funds |
| ACH | Unauthorized transaction | Payment on hold due to unauthorized bank account. | Choose a different payment method or contact bank to authorize and reschedule. | R10 | Customer Advises Not Authorized |
| ACH | Account frozen | This funding source seems to be frozen. | Choose a different payment method to reschedule. | R16 | Account Frozen |
| ACH | Unauthorized transaction | Unauthorized transaction | Choose a different payment method or ask your bank to remove the block. | R29 | Corporate Customer Advises Not Authorized. |
When a payment fails on the delivery side:
| Explanation of payment failure | For bank reference only | |||
| Reason | Issue | Resolution | Card fail code | Formal title |
| Account closed | Vendor bank account is unable to receive payments. | Change the delivery method or request updated details. | R02 | Account Closed |
| No Account/Unable to Locate Account | Vendor delivery details are no longer valid. | Change the delivery method or request updated details. | R03 | No Account/Unable to Locate Account |
| Invalid Account Number | Incorrect vendor bank account. | Change the delivery method or update the vendor details. | R04 | Invalid Account Number |
| Unauthorized Debit to Consumer Account | Incorrect vendor bank account. | Change the delivery method or update the vendor details. | R05 | Unauthorized Debit to Consumer Account |
| Payment Stopped | This payment has been stopped by your bank. | Kindly reach out to paymentoperations@melio.com to resolve this issue. | R08 | Payment Stopped |
| Invalid ACH Routing Number | The vendor's routing number is incorrect. | Change the delivery method or update the vendor details. | R13 | Invalid ACH Routing Number |
| Invalid Account Number | The current delivery method is unable to receive payments. | Change the delivery method or update the vendor details. | R20 | Invalid Account Number |
| Credit Entry Refused by Receiver | Payment was declined by the recipient. | Reach out to your vendor to resolve this issue. | R23 | Credit Entry Refused by Receiver |