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

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.

Please note that to maintain backward compatibility, the original failure parameters are still present:

  • failure_reason [deprecated]

  • failure_details [deprecated]

Once the deprecation plan has been finalized, we will announce timelines well in advance to enable a transition period for existing API consumers. The new changes have been purely additive and should not affect current integrations.

Testing Failed Transactions

Please find our API documentation on these new codes 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:

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The BSB is not valid or is no longer active.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 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.

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 insufficient funds or that the target account has breached their transaction limits.

$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.

$3.09

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.

$2.53

E253

System Error(DE Debit)

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

Image: Failed Transaction on the UI
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