ALIS provides comprehensive visibility into bulk gateway payment processing. Once transactions are submitted, their status can be tracked and reviewed within the Payment Gateway Txns tab of the Payment Center. In the event of a transaction failure, a detailed response code is provided to indicate the reason for the rejection.
ALIS integrates with two distinct third-party payment processors:
- iStream: Used for processing ACH and electronic check payments.
- Fiserv: Used for processing Credit Card payments via a legacy integration.
Use this guide to understand what response codes mean and which errors occurred based on your payment gateway integration(s).
Audit via the Payment Gateway Txns tab
Use this tab to view the detailed status of transactions that failed during submission.
- Navigate to the Payment Center > Payment Gateway Txns tab.
- Filter by Status to locate any failed payments.
- Click the View button to see status details.
- On the Background Task Details page, any Unsuccessful gateway payments will include a "Failed with reason: [specific code]" message.
Audit via the ALIS Pay Report
The ALIS Pay Report can be filtered to see specific failed statuses, such as NSF, Chargeback, Declined, Void, and Correction. This report does not include transactions that failed during submission to iStream. These failed statuses, or codes, generally come after iStream accepts our submitted data.
- Navigate to the Reports > ALIS Pay Report.
- The 'Gateway Status' column shows any failed payments, and the 'ALIS Failed Status' column shows the specific error (e.g., NSF). Filter by ALIS Failed Status to locate failed payments.
- Export to Excel to see failed transaction details.
ACH correction codes
These codes indicate that the transaction was processed successfully, but required a correction by the bank (such as an updated routing number or account type). These corrections often incur a service fee. To avoid repeated fees, update the payment method with the provided changes before the next billing cycle.
Correction Code |
Description |
|---|---|
C01 |
Incorrect DFI Account Number |
C02 |
Incorrect Routing Number |
C03 |
Incorrect Routing Number and Incorrect DFI Account Number |
C04 |
Incorrect Individual Name/Receiving Company Name |
C05 |
Incorrect Transaction Code |
C06 |
Incorrect DFI Account Number and Incorrect Transaction Code |
C07 |
Incorrect Routing Number or DFI Account Number and Tran Code |
C08 |
Incorrect Foreign Receiving DFI Identification |
C09 |
Incorrect Individual Identification Number |
C13 |
Addenda Format Error |
C61 |
Misrouted Notification of Change |
C62 |
Incorrect Trace Number |
C63 |
Incorrect Company Identification Number |
C64 |
Incorrect Individual Identification Number/Identification Number |
C65 |
Incorrectly Formatted Corrected Data |
C66 |
Incorrect Discretionary Data |
C67 |
Routing Number Not From Original Entry Detail Record |
C68 |
DFI Account Number Not From Original Entry Detail Record |
C69 |
Incorrect Transaction Code |
ACH return codes
These codes indicate that the transaction was not processed successfully and was returned by the bank (due to reasons like insufficient funds or a closed account). These failures often incur a return fee and result in no funds being collected. To avoid repeated penalties, resolve the specific error or obtain a new payment method before retrying the transaction.
Return Code |
Description |
R01 |
Insufficient Funds |
R02 |
Account Closed |
R03 |
No Account/Unable to Locate Account |
R04 |
Invalid Account Number |
R05 |
Unauthorized Debit to Consumer Account Using Corporate SEC code |
R06 |
Returned per ODFI's Request |
R07 |
Authorization Revoked by Customer |
| R08 | Payment Stopped |
R09 |
Uncollected Funds |
R10 |
Customer Advises Originator is Not Authorized or Not Known |
R11 |
Customer Advises Entry Not as Authorized |
R12 |
Account Sold to Another DFI |
R13 |
RDFI Not Qualified to Participate |
R14 |
Representative Payee Deceased or Unable to Continue |
R15 |
Beneficiary or Account Holder Deceased |
R16 |
Account Frozen |
R17 |
File Record Edit Criteria or Questionable |
R18 |
Improper Effective Entry Date |
R19 |
Amount Field Error |
R20 |
Non-Transaction Account |
R21 |
Invalid Company Identification |
R22 |
Invalid Individual ID Number |
R23 |
Credit Entry Refused by Receiver |
R24 |
Duplicate Entry |
R25 |
Addenda Error |
R26 |
Mandatory Field Error |
R27 |
Trace Number Error |
R28 |
Routing Number Check Digit Error |
R29 |
Corporate Customer Advises Not Authorized |
R30 |
RDFI Not Participant in Check Truncation Program |
R31 |
Permissible Return Entry |
R32 |
RDFI Non-Settlement |
R33 |
Return of XCK Entry |
R34 |
Limited Participation DFI |
R35 |
Return of Improper Debit Entry |
R36 |
Return of Improper Credit Entry |
R37 |
Source Document Presented for Payment |
R38 |
Stop Payment on Source Document |
R39 |
Improper Source Document |
R40 |
Return of ENR Entry by Fed Government |
R41 |
Invalid Transaction Code |
R42 |
Routing Number or Check Digit Error |
R43 |
Invalid DFI Account Number |
R44 |
Invalid ID Number |
R45 |
Invalid Individual or Company Name |
R46 |
Invalid Rep Payee Indicator |
R47 |
Duplicate Enrollment |
R50 |
State Law Affecting RCK Acceptance |
R51 |
Invalid RCK Item |
R52 |
Stop Payment on RCK Item |
R53 |
Duplicate RCK Item presented for payment |
R61 |
Misrouted Return |
R62 |
Return of Erroneous or Reversing Debit |
R63 |
Incorrect Dollar Amount |
R64 |
Incorrect Individual Identification |
R65 |
Incorrect Transaction Code |
R66 |
Incorrect Company Identification |
R67 |
Duplicate Return |
R68 |
Untimely Return |
R69 |
Multiple Errors |
R70 |
Permissible Return Entry Not Accepted |
R71 |
Misrouted Dishonored Return |
R72 |
Untimely Dishonored Return |
R73 |
Timely Original Return |
R74 |
Corrected Return |
R75 |
Original Return Not a Duplicate |
R76 |
No Errors Found |
Check response codes
These codes indicate that the check transaction was not processed successfully (due to issues like poor image quality or invalid data). These errors prevent funds from being deposited and often result in a returned item fee. To resolve the issue, address the specific error before attempting to deposit the item again.
Response Code |
Description |
|---|---|
0 |
Reserved for Future Use by X9 |
1 |
Does not conform with X9.100-181 (X9 TIFF Standard) |
10 |
Double Post |
11 |
Amount Not Authorized |
12 |
Payee Deceased |
13 |
Personal Endorsement Missing |
14 |
Check Fraud - Breach of Warranty |
15 |
Non Conforming Image |
16 |
Non Conforming IRD |
19 |
Do Not Represent - Exceeds Presentment Limits |
2 |
Does not conform to the Industrys UCD |
20 |
Suspected Altered |
21 |
Altered/Fictitious Amount |
22 |
Altered/Fictitious Dat |
23 |
Altered/Fictitious Payee Signature |
24 |
Altered/Fictitious Payee Name |
25 |
Altered/Fictitious Maker |
26 |
Unable to Process/Mutilated Item - Missing Payee |
27 |
Unable to Process/Mutilated Item - Missing Amount |
28 |
Unable to Process/Mutilated Item - Missing Makers Signature |
3 |
Warranty Breach (includes rule 8 and 9 claims) |
31 |
Signature Irregular - Not on File |
32 |
Signature Irregular - Two Signatures Required |
33 |
Signature Irregular - Unauthorized Signature |
34 |
Signature Irregular - Questionable |
35 |
Unable to Locate Account - Invalid Account |
36 |
Unable to Locate Account - Divested Account |
4 |
RCC Warranty Breach (rule 8) |
41 |
Missing Image (Front and Back) |
42 |
Missing Image Front |
43 |
Missing Image Back |
5 |
Forged and Counterfeit Warranty Breach (rule 9) |
50 |
Fails Image Quality Analysis - Unusable |
6 |
Retired/Ineligible Routing Number |
7 |
Reserved for Future Use by X9 |
70 |
Invalid Data for Field Data Type Usage |
71 |
Missing Mandatory Data |
72 |
Not Acceptable Image Compression Type and/or Image Format Type |
74 |
Data Mismatch Between Pair Type 50 and Type 52 |
75 |
Image Decompression Error |
76 |
Invalid Image Structure (i.e. missing tags or invalid values) |
77 |
Sum of Variable Length Data Does Not Match Variable Length Data |
78 |
Forward Item in Return Bundle or Return item in a Forward Bundle |
79 |
Clipping Coordinates Inconsistent with Image Size |
8 |
Reserved for Future Use by X9 |
80 |
MICR Code Line on Check Image does not Match Record Contents |
9 |
Reserved for Future Use by X9 |
A |
NSF - Not Sufficient Funds |
ACH |
ACH Use Only |
AHD |
Account holder deceased |
B |
UCF - Uncollected Funds Hold |
BOW |
Breach of Warranty |
C |
Stop Payment |
D |
Closed Account |
DUP |
Duplicate *Duplicate scans may not appear in ALIS. To verify the transaction status, please log in to the iStream portal. |
E |
UTLA - Unable to Locate Account |
ECU |
Enforceable claim of UCC |
F |
Frozen/Blocked Account |
FRE |
Forged Endorsement |
FRS |
Forged Signature |
G |
Stale Dated |
H |
Post Dated |
I |
Endorsement Missing |
IQ |
Image Quality |
J |
Endorsement Irregular |
K |
Signature(s) Missing |
L |
Signature(s) Irregular Suspected Forgery |
LOS |
Lost Or Stolen |
M |
Non-Cash Item (Non-Negotiable) |
N |
Altered/Fictitious Item/Suspected Counterfeit/Counterfeit |
NCA |
No checks allowed |
NOI |
No Invoice/Bill of Sale |
O |
Unable to Process |
OSR |
Officers signature title required |
OTH |
Other |
P |
Item Exceeds Stated Max Value |
POA |
POA expired |
Q |
Not Authorized (Includes Drafts)–Unauthorized item such as a draft |
R |
Branch/Account Sold (Wrong Bank)–Divested Account Not Our Item |
S |
Refer to Maker |
SNF |
Signature not on file |
T |
Item Cannot Be Re-presented |
U |
Unusable Image |
V |
Image Fails Security Check |
W |
Cannot Determine Amount |
X |
Refer to Image |
Y |
Duplicate Presentment |
Z |
Forgery–An affidavit shall be available upon request |
Fiserv response codes
The Fiserv/CardPointe gateway validates various parameters of a request prior to sending it to a payment card processor.
The repstat response indicates one of the following:
- A - Approval
- B - Temporary processing issue, such as a network error
- C - Rejection
Here are the Response Codes (PSTR) you may encounter:
respproc and respcode |
repstat |
resptext |
PSTR 00 |
A |
Success |
PSTR 01 |
C |
Duplicate Transaction |
PSTR 02 |
C |
Declined |
PSTR 03 |
C |
Data Not Valid |
PSTR 04 |
C |
Velocity Count |
PSTR 05 |
C |
Velocity Amount |
PSTR 06 |
C |
AVS Declined |
PSTR 07 |
C |
CCV Declined |
PSTR 08 |
C |
Expired |
PSTR 09 |
C |
Authorizer Suppressed Date |
PSTR 10 |
C |
Error Invalid Format |
PSTR 11 |
C |
Error Timeout |
PSTR 12 |
C |
Error Internal |
PSTR 13 |
C |
Velocity amount |
PSTR 14 |
C |
Error Not Supported |
PSTR 15 |
C |
Error Not Subscribed |
PSTR 16 |
C |
Error Batch Closed |
PSTR 17 |
C |
Error Invalid Batch |
PSTR 18 |
C |
Error Invalid Terminal |
PSTR 19 |
C |
Error Transaction Not Found |
PSTR 20 |
C |
Error Terminal Disabled |
PSTR 21 |
C |
Error Unspecified |
PSTR 28 |
C |
Routing Number Not Found |
PSTR 37 |
C |
Above max amount |
PSTR 40 |
C |
Not Subscribed to use this service |
PSTR 46 |
C |
The original transaction cannot have this operation performed on it at this time |
PSTR 99 |
C |
This response code indicates that the processor encountered an exception during the authorization process (for example, an invalid routing number, or invalid account number length). The resptext returns a truncated version of the exception message, for example: "The RoutingNumber (nnnnnnnnn) is not a valid Routing Number." "The AccountNumber (nnnnnn) must be between 4 and 17 digits long." |
Comments
0 comments
Please sign in to leave a comment.