Transaction Codes

Transaction Status Codes

The status of a transaction will change depending on the following factors:

  1. Was the transaction accepted or rejected for processing?
  2. Which part of the status cycle the transaction is in?

 

The status cycle for a typical ACH transaction is Ready > Settling > Funded. The status cycle for a typical credit card transaction is Ready > Settled. After being sent out by Forte for processing, the status may change to one of the following:

Status Description
Authorized

The customer's payment was authorized. To complete the sale, the item must be captured from the transaction's detail page.
Complete eCheck verification was performed and the results were positive (POS) or unknown (UNK).
Declined Transaction was declined for reasons detailed in Response Code and Response Description.
Failed eCheck verification was performed and the results were negative (NEG) or the transaction failed for reasons detailed in the Response Code and Response Description.
Funded eCheck item was funded to or from the merchant's bank account.
Ready Transaction was received and is awaiting origination (echeck) or settlement (credit card).
Rejected eCheck item has been rejected or returned by the client's financial institution. Merchant will not be funded for the item.
Review Transaction was unable to be settled due to a merchant configuration issue. Please contact Customer Service to resolve (1-469-675-9920 x1).
Settled Credit Card item has been funded to the merchant's bank account.
Settling eCheck item has been originated and Forte is awaiting the settlement results.
Unfunded Previously funded echeck item has been returned and funding was reversed.
Voided The transaction was voided and the item will not be originated or settled.

 

Transaction Response Codes

When a transaction is submitted for processing, Forte immediately returns one of the following responses. Transactions that are accepted for processing return the A response codes. Transactions that are rejected for processing return the U response codes. Transactions that have formatting errors in the message return the F response codes, and transactions that run into exceptions return the E response codes.

Code Description Comments Test Parameters
Approved
A01 APPROVED Transaction approved/completed  
A03 PARTIAL AUTHORIZATION Transaction approved for a partial authorization (CC only) Not available
A05 OVERALL MATCH The business name or full name provided exactly or closely matches the database record  
A06 PARTIAL MATCH The full name or business name conditionally (partially) matches the database record  
Declined
N01 NO INFO The Routing and account numbers are found in the database, but no names are associated with these.  
U02 ACCOUNT NOT APPROVED Customer account is in Forte's "known bad" account list (EFT only)

Send echeck sale transaction with the following data:

  • routing_number=021000021
  • account_number=987654321
TRN NOT APPROVED Routing number passes checksum test but not valid for ACH

Send echeck sale transaction with the following data:

  • routing_number=064000101
  • account_number=Any account number
U03 DAILY TRANS LIMIT Merchant daily limit exceeded (EFT only) Not available
U04 MONTHLY TRANS LIMIT Merchant monthly limit exceeded (EFT only) Not available
U05 AVS FAILURE ZIPCODE AVS state/zip code check failed Send a regionand postal_code that do not match
U06 AVS FAILURE AREACODE AVS state/area code check failed Send a regionand postal_code that do not match
U07 AVS FAILURE EMAIL AVS anonymous email check failed Send an email from a hotmail.com email address.
U08 DAILY VELOCITY Merchant has exceeded the maximum number of transactions per hour, which may indicate a security problem. This error rarely occurs, but if you receive it, contact Forte immediately.  
U09 WINDOW VELOCITY Merchant has exceeded the maximum number of transactions per hour, which may indicate a security problem. This error rarely occurs, but if you receive it, contact Forte immediately.  
U10 DUPLICATE TRANSACTION Transaction has the same attributes as another transaction within the time set by the merchant Send the same transaction twice within five minutes
U11 RECUR TRANS NOT FOUND Transaction types 40-42 only Not available
U12 UPDATE NOT ALLOWED Original transaction not voidable or captureable Send a void transaction for a declined transaction
U13 ORIG TRANS NOT FOUND Transaction to be voided or captured not found Send void transaction for the following trace number: 00000000-0000-0000-0000-000000000000
U14 BAD TYPE FOR ORIG TRANS Void/capture and original transaction types do not agree (CC/EFT) Send a void credit card transaction for an echeck transaction
U15 ALREADY VOIDED/CAPTURED Transaction was previously voided or captured Void the same transaction twice
U16 SETTLEMENT PROCESS STARTED Void attempted after the start of the settlement process
U18 UPDATE FAILED Void or Capture failed Send a transaction for 19.18 or 1918
U19 INVALID TRN Account ABA number is invalid Send echeck transaction with routing_number=123456789
U20 INVALID CREDIT CARD NUMBER Credit card number is invalid Send a credit card transaction with account_number=1111111111111111
U21 BAD START DATE Date is malformed Send a transaction with scheduling data but a start date of 13/1/2008 or 1/1/2001
U22 SWIPE DATA FAILURE Swipe data is malformed  
U23 INVALID EXPIRATION DATE Malformed expiration date Send Credit Card transaction with expire_month=13
U25 INVALID AMOUNT Negative amount Send a transaction for a negative amount
(-1.00)
U26 INVALID DATA Invalid data present in transaction Send a void transaction with authorization_amount=.
U27 CONV FEE NOT ALLOWED Merchant sent a convenience fee but is not configured to accept one  
U28 CONV FEE INCORRECT Merchant configured for convenience fee but did not send one  
U29 CONV FEE DECLINED Convenience fee transaction failed - SplitCharge model only  
U30 PRINCIPAL DECLINED Principal transaction failed - SplitCharge model only  
U32 INVALID WALLET TYPE Invalid Wallet Type present in the transaction Send a transaction with wallet type values out of ApplePay, GooglePay or SamsungPay
U33 INVALID WALLET SOURCE Wallet source is invalid Send a transaction with wallet source values other then InApp, Web
U34 INVALID WALLET CRYPTOGRAM

Wallet cryptogram in invalid. Length of cryptograms for different card brands:

Visa , Mast <= 28 characters Disc,JCB,Diner <= 40 characters

Amex <= 56 characters

Send a transaction with digital wallet cryptogram. Where Length of cryptograms for different card brands is not as show below:

Visa , Mast <= 28 characters

Disc,JCB,Diner <= 40 characters

Amex <= 56 characters
U35 INCORRECT MARKET TYPE Market type must be ecommerce for digital wallet transcations N/A
U51 MERCHANT STATUS Merchant is not "live" Send a transaction for a non-live account
U52 TYPE NOT ALLOWED Merchant not approved for transaction type (CC or EFT) Send a transaction of a type (credit card or echeck) that the account is not allowed to process
U53 PER TRANS LIMIT Transaction amount exceeds merchant's per transaction limit (EFTs only) Send a transaction that exceeds the merchant's echeck limit(s)
U54 INVALID MERCHANT CONFIG Merchant's configuration requires updating - call Customer Support Send a transaction for 19.54 or 1954
U57 DIGITAL WALLET NOT CONFIG Merchant is not configured for digital wallets, but the request is populated with wallet specific fields N/A
U58 SPECIFIC WALLET TYPE NOT CONFIG Merchant is not configured for a specific wallet type, but the request has it N/A
U59 INCORRECT WALLET CONFIG Merchant is incorrectly configured to accept wallet payments, but the processor does not support digital wallets N/A
U78 DISALLOWED ACH SEC CODE Indicates that the SEC code passed in with the ACH transaction is not allowed for the merchant account Send a transaction with SEC code XYZ
U80 PREAUTH DECLINE Transaction was declined due to preauthorization (Forte Verify) result Send a transaction for 19.80 or 1980
NO MATCH The name(s) received in the inquiry (Authenticate) message do not match any of the name fields for the record. Or invalid account number Or Bad account.  
U81 PREAUTH TIMEOUT Preauthorizer not responding (verify transactions only) Send a transaction for 19.81 or 1981
U82 PREAUTH ERROR Preauthorizer error (verify transactions only) Send a transaction for 19.82 or 1982
U83 AUTH DECLINE Transaction was declined due to authorizer declination Send a transaction for 19.83, 1983, or 1.33
U84 AUTH TIMEOUT Authorizer not responding Send a transaction for 19.84 or 1984
U85 AUTH ERROR Authorizer error Send a transaction for 19.85 or 1985
U86 AVS FAILURE AUTH Authorizer AVS check failed Send a transaction for 19.86 or 1986
U87 AUTH BUSY Authorizing vendor busy, may be resubmitted (CC only) Send a transaction for 19.87 or 1987
U88 PREAUTH BUSY Verification vendor busy, may be resubmitted (type 26 only) Send a transaction for 19.88 or 1988
U89 AUTH UNAVAIL Vendor service unavailable (CC only) Send a transaction for 19.89 or 1989
U90 PREAUTH UNAVAIL Verification service unavailable (type 26 only) Send a transaction for 19.90 or 1990
U91 CREDIT CARD NOT ALLOWED Merchant account is configured to process only debit cards. Credit cards are not allowed. Not available
U92 DEBIT CARD NOT ALLOWED Merchant account is configured to process only credit cards. Debit cards are not allowed. Not available
U93 DECRYPT INPUT ERROR Caused by an error during decryption Send the same encrypted card data twice
Formatting Error
F01 MANDATORY FIELD IS MISSING Required field is missing  
F03 INVALID FIELD NAME Value is not allowed  
F04 INVALID FIELD VALUE Value is not allowed  
F05 DUPLICATE FIELD Field is repeated in message  
F07 CONFLICTING FIELD Fields cannot both be present  
Fatal Error
E10 INVALID MERCH OR PASSWD Merchant ID or processing password is incorrect  
E20 MERCHANT TIMEOUT Transaction message not received (I/O flush required?)  
E55 INVALID TOKEN Specified token was invalid, could not be located or may have been deleted  
Client Token Transactions For client token transactions where neither payment fields nor a payment token were specified, the client record does not have a default payment method matching the transaction type.  
Payment Token Transactions For payment token transactions where no client token is specified, the payment token must be clientless.  
Both Client and Payment Tokens Present For transactions with client and payment tokens, the specified payment token is not associated with the client or is clientless.  
E90 BAD MERCH IP ADDR Origination IP is not on merchant's approved IP list  
E99 INTERNAL ERROR An unspecified error has occurred  

 

Transaction Return Codes

Forte uses NACHA specification return codes that indicate whether the consumer portion of the payment has been returned or rejected. Some common returns are a closed bank account, invalid bank account, insufficient funds, or a dispute. If a payment is unsuccessful, Forte usually receives the return message from the ACH network within 2 to 4 business days of payment submission. For more information on return codes, please refer to the latest NACHA guide which can be found at http://www.nacha.org (subscription required).

Code Description Comments
R01 INSUFFICIENT FUNDS The available and/or cash reserve balance is not sufficient to cover the dollar value of the debit Entry.
R02 ACCOUNT CLOSED A previously active account has been closed by action of the customer or the RDFI.
R03 NO ACCOUNT/ UNABLE TO LOCATE ACCOUNT The account number structure is valid, and it passes the check digit validation, but the account number does not correspond to the individual identified in the Entry, or the account number designated is not an existing account.
R04 INVALID ACCOUNT NUMBER STRUCTURE The account number structure is not valid.
R05 Unauthorized Debit to Consumer Account Using Corporate SEC Code

CCD or CTX debit Entry was Transmitted to a Consumer Account of the Receiver and was not authorized by the Receiver.
R06 Returned per ODFI’s Request The ODFI has requested that the RDFI return an Erroneous Entry, or a credit Entry originated without the authorization of the Originator.
R07 AUTHORIZATION REVOKED BY CUSTOMER

The RDFI’s customer (the Receiver) revoked the authorization previously provided to the Originator for this debit Entry.
R08 Payment Stopped The Receiver has placed a stop payment order on this debit Entry.
R09 Uncollected Funds A sufficient ledger balance exists to satisfy the dollar value of the transaction, but the available balance is below the dollar value of the debit Entry..
R10 Customer Advises Originator is Not Known to Receiver and/or Originator is Not Authorized by Receiver to Debit Receiver’s Account The RDFI has been notified by the Receiver that the Receiver does not know the identity of the Originator; has no relationship with the Originator; or has not authorized the Originator to debit his account. For ARC and BOC entries, the RDFI has been notified by the Receiver that the signature on the source document is not authentic, valid, or authorized. For POP Entries, the RDFI has been notified by the Receiver that the signature on the written authorization is not authentic, valid, or authorized.
R11 Customer Advises Entry Not in Accordance with the Terms of the Authorization The RDFI has been notified by the Receiver that the Originator and Receiver have a relationship and an authorization to debit exists, but there is an error or defect in the payment such that the entry does not conform to the terms of the authorization (for example, the entry is for an amount different than authorized; the entry was initiated for settlement earlier than authorized; the entry is part of an Incomplete Transaction; the debit entry was improperly reinitiated; for ARC, BOC, or POP entries: ineligible source document, notice was not provided; amount of the entry was not accurately obtained from the source document. The Reversing Entry was improperly initiated by the Originator or ODFI. The Receiver did not affirmatively initiate a Subsequent Entry in accordance with the terms of the Standing Authorization.
R12 Account Sold to Another DFI

A financial institution received an Entry to an account that was sold to another financial institution.
R13 Invalid ACH Routing Number Entry contains a Receiving DFI Identification or Gateway Identification that is not a valid ACH routing number.
R14 Representative Payee Deceased or Unable to Continue in That Capacity The representative payee is either deceased or unable to continue in that capacity. The beneficiary is not deceased.
R15 Beneficiary or Account Holder (Other Than a Representative Payee) Deceased (1) The beneficiary is deceased; or (2) the account holder is deceased.
R16 Account Frozen/Entry Returned Per OFAC Instruction (1) Access to the account is restricted due to specific action taken by the RDFI or by legal action; or (2) OFAC has instructed the RDFI or Gateway to return the Entry.
R17 File Record Edit Criteria/Entry with Invalid Account Number Initiated Under Questionable Circumstances/Return of Improperly-Initiated Reversal) (1) Field(s) cannot be processed by RDFI; (2) the Entry contains an invalid DFI Account Number (account closed/no account/unable to locate account/invalid account number) and is believed by the RDFI to have been initiated under questionable circumstances; or (3) either the RDFI or Receiver has identified a Reversing Entry as one that was improperly initiated by the Originator or ODFI.
R18 Improper Effective Entry Date (1) The Effective Entry Date for a credit Entry is more than two Banking Days after the Banking Day of processing as established by the Originating ACH Operator; or (2) the Effective Entry Date for a debit Entry is more than one Banking Day after the processing date.
R19 Amount Field Error (1) Amount field is non-numeric. (2) Amount field is not zero in a Prenotification, DNE, ENR, Notification of Change, refused Notification of Change, or zero dollar CCD, CTX, or IAT Entry. (3) Amount field is zero in an Entry other than a Prenotification, DNE, ENR, Notification of Change, Return, dishonored Return, contested dishonored Return, or zero dollar CCD, CTX, or IAT Entry. (4) Amount field is greater than $25,000 for ARC, BOC, and POP Entries.
R20 Non-Transaction Account ACH Entry to a non- Transaction Account.
R21 Invalid Company Identification The Identification Number used in the Company Identification Field is not valid.
R22 Invalid Individual ID Number The Receiver has indicated to the RDFI that the number with which the Originator was identified is not correct.
R23 Credit Entry Refused by Receiver

Any credit Entry that is refused by the Receiver may be returned by the RDFI.
R24 Duplicate Entry The RDFI has received what appears to be a duplicate Entry; i.e., the trace number, date, dollar amount and/or other data matches another transaction.
R25 Addenda Error

Addenda Record Indicator value is incorrect.

Addenda Type Code is invalid, out of sequence, or missing,

Number of Addenda Records exceeds allowable maximum,

Addenda Sequence Number is invalid.
R26 Mandatory Field Error Erroneous data or missing data in a mandatory field.
R27 Trace Number Error (1) Original Entry Trace Number is not present in the Addenda Record on a Return or Notification of Change Entry; or (2) Trace Number of an Addenda Record is not the same as the Trace Number of the preceding Entry Detail Record.
R28 Routing Number Check Digit Error The check digit for a routing number is not valid.
R29 Corporate Customer Advises Not Authorized The RDFI has been notified by the Receiver (Non- Consumer) that a specific Entry has not been authorized by the Receiver.
R30 RDFI Not Participant in Check Truncation Program The RDFI does not participate in a Check Truncation Program.
R31 Permissible Return Entry (CCD and CTX only) The RDFI may return a CCD or CTX Entry that the ODFI agrees to accept.
R32 RDFI Non-Settlement The RDFI is not able to settle the Entry.
R33 Return of XCK Entry This Return Reason Code may only be used to return XCK Entries and is at the RDFI’s sole discretion.
R34 LIMITED PARTICIPATION DFI The RDFI’s participation has been limited by a federal or state supervisor.
R35 Return of Improper Debit Entry Debit Entries (with the exception of Reversing Entries) are not permitted for CIE Entries or to loan accounts.
R36 Return of Improper Credit Entry ACH credit Entries (with the exception of Reversing Entries) are not permitted for use with ARC, BOC, POP, RCK, TEL, and XCK.
R37 Source Document Presented for Payment The source document to which an ARC, BOC, or POP Entry relates has been presented for payment.
R38 Stop Payment on Source Document The RDFI determines a stop payment order has been placed on the source document to which the ARC or BOC Entry relates.
R39 Improper Source Document/Source Document Presented for Payment The RDFI determines that: (1) the source document used for an ARC, BOC, or POP Entry to its Receiver’s account is improper, or (2) an ARC, BOC, or POP Entry and the source document to which the Entry relates have both been presented for payment and posted to the Receiver’s account.
R40 Return of ENR Entry by Federal Government Agency This Return Reason Code may only be used to return ENR Entries and is at the Federal Government Agency’s sole discretion.
R41 Invalid Transaction Code Either the Transaction Code included in Field 3 of the Addenda Record does not conform to the ACH Record Format Specifications contained in Appendix Three (ACH Record Format Specifications) or it is not appropriate with regard to an Automated Enrollment Entry.
R42 Routing Number/Check Digit Error The Routing Number and the Check Digit included in Field 3 of the Addenda Record is either not a valid number or it does not conform to the Modulus 10 formula.
R43 Invalid DFI Account Number The Receiver’s account number included in Field 3 of the Addenda Record must include at least one alphameric character.
R44 Invalid Individual ID Number/Identification Number The Individual ID Number/Identification Number provided in Field 3 of the Addenda Record does not match a corresponding ID number in the Federal Government Agency’s records.
R45 Invalid Individual Name/Company Name The name of the consumer or company provided in Field 3 of the Addenda Record either does not match a corresponding name in the Federal Government Agency’s records or fails to include at least one alphameric character.
R46 Invalid Representative Payee Indicator The Representative Payee Indicator Code included in Field 3 of the Addenda Record has been omitted or it is not consistent with the Federal Government Agency’s records.
R47 Duplicate Enrollment The Entry is a duplicate of an Automated Enrollment Entry previously initiated by a DFI.
R50 State Law Affecting RCK Acceptance (1) The RDFI is located in a state that has not adopted Revised Article 4 of the Uniform Commercial Code (1990 Official Text) and has not revised its customer agreements to allow for Electronic presentment; or (2) the RDFI is located within a state that requires all canceled Checks to a specific type of account to be returned to the Receiver within the periodic statement.
R51 Item Related to RCK Entry Is Ineligible or RCK Entry Is Improper An RCK Entry is considered to be ineligible or improper.
R52 Stop Payment on Item Related to RCK Entry A stop payment order has been placed on the item to which the RCK Entry relates.
R53 Item and RCK Entry Presented for Payment In addition to an RCK Entry, the item to which the RCK Entry relates has also been presented for payment.
R61 Misrouted Return The financial institution preparing the Return Entry (the RDFI of the original Entry) has placed the incorrect Routing Number in the Receiving DFI Identification field.
R62 Return of Erroneous or Reversing Debit The Originator’s/ODFI’s use of the reversal process has resulted in, or failed to correct, an unintended credit to the Receiver.
R67 DUPLICATE RETURN The ODFI has received more than one Return for the same Entry.
R68 Untimely Return The Return Entry has not been sent within the time frame established by these Rules.
R69 FIELD ERROR(S) One or more of the field requirements are incorrect.
R70 Permissible Return Entry Not Accepted/Return Not Requested by ODFI The ODFI has received a Return Entry identified by the RDFI as being returned with the permission of, or at the request of, the ODFI, but the ODFI has not agreed to accept the Entry or has not requested the return of the Entry.
R71 Misrouted Dishonored Return The financial institution preparing the dishonored Return Entry (the ODFI of the original Entry) has placed the incorrect Routing Number in the Receiving DFI Identification field.
R72 Untimely Dishonored Return The dishonored Return Entry has not been sent within the designated time frame.
R73 Timely Original Return The RDFI is certifying that the original Return Entry was sent within the time frame designated in these Rules.
R74 CORRECTED RETURN The RDFI is correcting a previous Return Entry that was dishonored using Return Reason Code R69 (Field Error(s)) because it contained incomplete or incorrect information.
R75 Return Not a Duplicate The Return Entry was not a duplicate of an Entry previously returned by the RDFI.
R76 NO ERRORS FOUND The original Return Entry did not contain the errors indicated by the ODFI in the dishonored Return Entry.
R77 Non-Acceptance of R62 Dishonored Return The RDFI returned both the Erroneous Entry and the related Reversing Entry, or the funds relating to the R62 dishonored Return are not recoverable from the Receiver.
R80 IAT Entry Coding Error

The IAT Entry is being returned due to one or more of the following conditions:

• invalid DFI/Bank Branch Country Code

• invalid DFI/Bank Identification Number Qualifier

• invalid Foreign Exchange Indicator

• invalid ISO Originating Currency Code

• invalid ISO Destination Currency Code

• invalid ISO Destination Country Code

• invalid Transaction Type Code.
R81 Non-Participant in IAT Program The IAT Entry is being returned because the Gateway does not have an agreement with either the ODFI or the Gateway’s customer to transmit Outbound IAT Entries.
R82 Invalid Foreign Receiving DFI Identification The reference used to identify the Foreign Receiving DFI of an Outbound IAT Entry is invalid.
R83 Foreign Receiving DFI Unable to Settle The IAT Entry is being returned due to settlement problems in the foreign payment system.
R84 ENTRY NOT PROCESSED BY GATEWAY

For Outbound IAT Entries, the Entry has not been processed and is being returned at the Gateway’s discretion because either (1) the processing of such Entry may expose the Gateway to excessive risk, or
(2) the foreign payment system does not support the functions needed to process the transaction.
R85 Incorrectly Coded Outbound International Payment The RDFI/Gateway has identified the Entry as an Outbound international payment and is returning the Entry because it bears an SEC Code that lacks information required by the Gateway for OFAC compliance.

Transaction Settlement Codes

Merchants can configure their account to make up to 2 additional recollect attempts. For example, if a check is returned for insufficient funds, a merchant may configure recollection attempts on the following 1st and 15th of the month.

Code Description Comments
C00 CHARGEBACK Customer has disputed part or all of the transaction. The charge is returned to the customer's card that was used for payment.
S01 FUNDED (1st attempt) Transaction funded on the first attempt.
S02 FUNDED (2nd attempt) Transaction funded on the second attempt.
S03 FUNDED (3rd attempt) Transaction funded on the third attempt.
X02 VOIDED A batch transaction was voided
X03 REJECTED The transaction was rejected for settlement.