Payment Returns
Per Affiliate Performance
What Defines an NSF?
NSF IE: Non-Sufficient Funds
Payment Returns can run as follows
Funds not yet available
Funds Available, but not authorized for Withdrawal
Funds unavailable
Bucketing Payment Returns
Payment returns are categorized into three primary buckets to streamline resolution workflows across all affiliate payment processors.
RCC - ResPro
ADMIN
  • Cannot Determine Amount-Amount cannot be verified
  • Closed Account
  • Item cannot be re-presented (Exceeds number of all
  • Retired/Ineligible Routing Number
  • Unable to Locate Account
  • Uncollected Funds Hold
  • Verification Failed: Bank Account Verification: DECLINE
NSF
  • Insufficient Funds
  • NSF
UNAUTHORIZED
  • Altered/Fictitious Item
  • Forgery-An affidavit shall be available upon request
  • Frozen/Blocked Account
  • Non-Conforming Item (NCI)
  • Not Authorized
  • RCC Warranty Breach (Rule8)
  • Refer to Image-Return Reason information is contai
  • Refer to Maker
  • Signature(s) Missing
  • Stop Payment
  • Unable to Process
  • Warranty Breach (Includes Rule 8 & 9 claims)
  • Warranty/Indemnity Claim (WIC)
Card Pay
ADMIN
  • Account Closed
  • Activity limit exceeded
  • CVV2 Mismatch
  • Declined - Contact card issuer
  • Do Not Honor
  • Exceeds withdrawal limit
  • Expired card
  • General error
  • Invalid card number
  • Invalid CVV
  • Invalid merchant ID
  • Invalid transaction
  • Issuer Declined MCC
  • No checking account
  • No credit account
  • No such issuer
  • Pick up card – Lost
  • Pick up Card – Suspected Fraud
  • Pick up Card – Fraud
  • Pin tries exceeded
  • The cc payment type and/or currency [USD] is not accepted
NSF
  • Insufficient funds
  • NSF (Debit Only)
UNAUTHORIZED
  • Blocked, first used
  • Customer requested stop of all recurring payments
  • Pick up card - F
  • Pick up card - S
  • Security violation
  • Transaction not permitted by issuer
ACH - MLG
ADMIN
  • Account Closed
  • Beneficiary Deceased
  • Closed Account
  • Insufficient funds
  • Invalid Account Number
  • No Account/ Unable to Locate Account
  • Non-Transaction Account
  • Rejected Transaction
  • Uncollected Funds
  • Verification Failed: Bank Account Verification: DECLINE
NSF
  • Insufficient Funds
UNAUTHORIZED
  • Account Frozen
  • Authorization Revoked by Customer
  • Check Safekeeping - Returned
  • Customer Advises Not Authorized
  • Payment Stopped or Stop Payment on Item
ACH Returns and their Corresponding Actions
PER RCC – RESPRO
RCC Returns Reference
RCC Return Codes — Definitions & Actions

PAN has closed the account — Debit Card is the only viable means of payment moving forward
Card Returns and their Corresponding Actions
PER RESPRO/MLG
Card Returns Reference
Card Return Codes — Definitions & Actions