`Note: This article is relevant to merchants integrating with Zepto in Australia.`

We have introduced new and more informative failure responses for failed transactions. If a transaction fails, we will now include the following information in the event:

Failure Code
Failure Title
Failure Details

Additionally, we have added functionality to simulate payment failures across both NPP and DE channels for transactions that channel-switch.

This should enable your business to make more informed decisions in the event of a failed DE Direct Debit, DE Direct Credit, or an NPP payment.

Testing Failed Transactions

Please find our API documentation regarding the setup of your Sandbox environment here.

To test a failed transaction in the Sandbox environment, simply create a normal Payment/Payment Request using the special values described below.

NOTE: These values can only be used in the Sandbox environment

To test these errors please use the values listed below:

DE Debit Failure Codes
DE Credit Failure Codes
NPP Credit Failure Codes
- Example Request Payload and New Webhook Response Payload

If you require some more information, please feel free to contact support by:

Clicking on the bubble icon in the bottom right corner of this page; or
By emailing us at support@zepto.com.au

DE Debit Failure Codes

Amount	Failure Code	Failure Title	Failure Details
$2.01	E201	Invalid BSB Number	The BSB is not valid or is no longer active.
$2.02	E202	Payment Stopped	The target institution has blocked transactions to this account. Please refer to the customer.
$2.03	E203	Account Closed	The target account is closed.
$2.04	E204	Customer Deceased	The target account’s owner has been listed as deceased.
$2.05	E205	Account Not Found	The target account number is incorrect.
$2.06	E206	Refer to Customer	Usually means insufficient funds or that the target account has breached their transaction limits.
$2.08	E208	Invalid UserID	Please contact Zepto for further information.
$2.09	E209	Technically Invalid	Usually means that the account is not debitable or that the reason for failure can not be categorised within the standard BECS return codes. Please refer to customer.
$2.50	E250	Voided By Admin	The transaction was voided by an administrator.
$2.51	E251	Voided By Initiator	The transaction was voided by its initiator.
$2.52	E252	Insufficient Funds	There were insufficient funds to complete the transaction.
$2.99	E299	Unknown DE Error	An unknown DE error occurred.
$2.53	E253	System Error(DE Debit)	The transaction was unable to be completed. Please contact Zepto for assistance.

DE Credit Failure Codes

Amount	Failure Code	Failure Title	Failure Details
$1.01	E101	Invalid BSB Number	The BSB is not valid or is no longer active.
$1.02	E102	Payment Stopped	The target institution has blocked transactions to this account. Please refer to customer.
$1.03	E103	Account Closed	The target account is closed.
$1.04	E104	Customer Deceased	The target account’s owner has been listed as deceased.
$1.05	E105	Account Not Found	The target account number is incorrect.
$1.06	E106	Refer to Customer	Usually means that there is an issue with the account receiving a credit that only the customer and their financial institution can resolve. Please refer to customer.
$1.08	E108	Invalid UserID	Please contact Zepto for further information.
$1.09	E109	Technically Invalid	Usually means that the account is not debitable or that the reason for failure can not be categorised within the standard BECS return codes. Please refer to customer.
$1.50	E150	Voided By Admin	The transaction was voided by an administrator.
$1.51	E151	Voided By Initiator	The transaction was voided by its initiator.
$1.99	E199	Unknown DE Error	An unknown DE error occurred.

NPP Credit Failure Codes

Amount	Error Code	Failure reason	Failure Details
$3.01	E301	Upstream Network Outage	An upstream network issue occurred. Please try again later.
$3.02	E302	BSB Not NPP Enabled	The target BSB is not NPP enabled. Please try another channel.
$3.03	E303	Account Not NPP Enabled	The target account exists but cannot accept funds via the NPP. Please try another channel.
$3.04	E304	Account Not Found	The target account number cannot be found.
$3.05	E305	Intermittent Outage At Target Institution	The target financial institution is experiencing technical difficulties. Please try again later.
$3.06	E306	Account Closed	The target account is closed.
$3.07	E307	Target Institution Offline	The target financial institution is undergoing maintenance or experiencing an outage. Please try again later.
$3.08	E308	Account Blocked	The target account is blocked and cannot receive funds.
$3.99	E399	Unknown NPP Error	An unknown NPP error occurred.
$1.53	E153	System Error(DE Credit)	The transaction was unable to complete. Please contact Zepto for assistance.

Example Request Payload and Webhook Response Payload

Example Payment Request:

{
    "description": "Debit/Credit failure test",
    "matures_at": "2021-10-11T00:00:00Z",
    "your_bank_account_id": "87838a5f-28b9-4cbc-9633-5fba462e06f0",
    "channels": ["new_payments_platform"],
    "payouts": [
        {
            "amount": 302 ,
            "description": "NPP Credit failure",
            "recipient_contact_id": "eb4dc2b4-56cb-43da-81a9-f82406291115"
        }
    ]
}

Previous Webhook Response Payload:

{
  "data": [
    {
      "ref": "C.bdhuv",
      "type": "credit",
      "amount": 1,
      "status": "returned",
      "bank_ref": "CT.2drsw",
      "category": "payout",
      "channels": [
        "new_payments_platform"
      ],
      "cleared_at": null,
      "created_at": "2021-10-11T02:42:07Z",
      "matures_at": "2021-10-11T02:42:07Z",
      "parent_ref": "PB.2a2ez",
      "party_name": "Ajays Custom Keyboards [TEST]",
      "description": "First Payment",
      "failure_reason": "refer_to_customer",
      "party_bank_ref": "DT.avp1m",
      "party_nickname": "AjaysKeyboards",
      "bank_account_id": "76142721-4910-41ac-83c5-751aa07b1079",
      "current_channel": "new_payments_platform",
      "failure_details": "Real-time payments not available for recipient",
      "party_contact_id": null,
      "status_changed_at": "2021-10-11T02:42:08Z"
    }
  ],
  "event": {
    "at": "2021-10-11T02:42:08Z",
    "who": {
      "account_id": "71d9178b-f4d9-4c1c-8868-7ffbddc89b5d",
      "account_type": "AnyoneAccount",
      "bank_account_id": "76142721-4910-41ac-83c5-751aa07b1079",
      "bank_account_type": "BankAccount"
    },
    "type": "debtor_credit.returned"
  }
}

New Webhook Response Payload

{
  "data": [
    {
      "ref": "C.bdhuv",
      "type": "credit",
      "amount": 1,
      "status": "returned",
      "failure": {
        "code": "E302",
        "title": "BSB Not NPP Enabled",
        "detail": "The target BSB is not NPP enabled. Please try another channel."
      },
      "bank_ref": "CT.2drsw",
      "category": "payout",
      "channels": [
        "new_payments_platform"
      ],
      "cleared_at": null,
      "created_at": "2021-10-11T02:42:07Z",
      "matures_at": "2021-10-11T02:42:07Z",
      "parent_ref": "PB.2a2ez",
      "party_name": "Ajays Custom Keyboards [TEST]",
      "description": "First Payment",
      "failure_reason": "refer_to_customer",
      "party_bank_ref": "DT.avp1m",
      "party_nickname": "AjaysKeyboards",
      "bank_account_id": "76142721-4910-41ac-83c5-751aa07b1079",
      "current_channel": "new_payments_platform",
      "failure_details": "Real-time payments not available for recipient",
      "party_contact_id": null,
      "status_changed_at": "2021-10-11T02:42:08Z"
    }
  ],
  "event": {
    "at": "2021-10-11T02:42:08Z",
    "who": {
      "account_id": "71d9178b-f4d9-4c1c-8868-7ffbddc89b5d",
      "account_type": "AnyoneAccount",
      "bank_account_id": "76142721-4910-41ac-83c5-751aa07b1079",
      "bank_account_type": "BankAccount"
    },
    "type": "debtor_credit.returned"
  }
}

Image: Failed Transaction on the UI

Failure via both DE and NPP

For any payment in Sandbox where the amount is specified for DE failures (all in the $1.xx range) and the channel is only listed as NPP, the NPP credit will fail with error code E303 (regardless of whether that payment can channel switch or not).

If the payment does channel switch, the DE credit will fail with error code that corresponds to the transaction amount. For example:

Entering a value equivalent to $1.02 in the amount field will fail with code E303 (Account Not NPP Enabled). If the payment channel-switches, it will also fail DE processing with code E102 (Payment Stopped).
Entering a value equivalent to $1.05 in the amount field will fail with code E303 (Account Not NPP Enabled). If the payment channel-switches it will also fail DE processing with code E105 (Account Not Found).
Entering a value equivalent to $1.10 in the amount field will succeed NPP processing, as there is no corresponding DE credit failure code for that amount.

Credit Switched Webhook

   {
      "ref": "C.2i78i",
      "type": "credit",
      "amount": 101,
      "status": "channel_switched",
      "failure": {
        "code": "E303",
        "title": "Account Not NPP Enabled",
        "detail": "The target account exists but cannot accept funds via the NPP. Please try another channel."
      },
      "bank_ref": "CT.2bj3o",
      "category": "payout",
      "channels": [
        "new_payments_platform",
        "direct_entry"
      ]
     "type": "debtor_credit.channel_switched"
    }

Final Returned Webhook

    {
      "ref": "C.2i78i",
      "type": "credit",
      "amount": 101,
      "status": "returned",
      "failure": {
        "code": "E101",
        "title": "Invalid BSB Number",
        "detail": "The BSB is not valid or is no longer active."
      },
      "bank_ref": "CT.2bj3o",
      "category": "payout",
      "channels": [
        "new_payments_platform",
        "direct_entry"
      ]
    "type": "debtor_credit.returned"
  }