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Payment errors - Explained

Most common errors messages for payment transactions.

Adyen

Insufficient Funds Errors

Not Sufficient Funds (Debit Only)

  • Meaning: The member's bank account does not have enough funds to cover the payment amount.
  • Action required: The member must ensure their account has sufficient funds before the next billing attempt.
  • ISO equivalent code: AM04

AM04:InsufficientFunds

  • Meaning: Standardized ISO 20022 code indicating that the member's account lacks sufficient funds.
  • Action required: The member should fund their account and contact their gym to retry the payment.

Mandate / Authorization Errors

MD01:NoMandate

  • Meaning: No valid pre-authorized debit mandate exists for this account. The member's bank does not recognize the debit authorization.
  • Action required: The member must update their banking information in FLiiP or re-sign the pre-authorized debit agreement with their gym.

MD06:RefundRequestByEndCustomer

  • Meaning: The member contacted their bank directly to cancel and reverse the debit transaction.
  • Action required: You must contact the member to understand the situation. If the payment is legitimate, a new billing attempt will need to be initiated.

Agreement Revoked – Personal

  • Meaning: The member has revoked their pre-authorized debit agreement directly with their personal bank.
  • Action required: The member must either update their payment information in FLiiP or re-authorize the debit with their financial institution.

Bank Account Errors

Account not found

  • Meaning: The bank account number on file cannot be found. It may be incorrect, closed, or non-existent.
  • Action required: The member must verify and update their banking details (transit number, institution number, account number) in FLiiP.

Account Closed

  • Meaning: The bank account linked to the member's profile has been closed.
  • Action required: The member must register a new active bank account in FLiiP.

AC06:BlockedAccount

  • Meaning: ISO 20022 code indicating that the member's bank account has been blocked by their financial institution.
  • Action required: The member must contact their bank to unblock the account, then work with their gym to retry the payment.

Account Frozen

  • Meaning: The bank account is temporarily frozen, often due to suspected fraud or a legal process.
  • Action required: The member must contact their bank to resolve the issue, then update their payment method in FLiiP.

Processing & Capture Errors

MS02:NotSpecifiedReasonCustomerGenerated

  • Meaning: ISO 20022 code indicating a customer-initiated refusal with no specific reason provided by the bank. This may indicate the member stopped or disputed the payment themselves.
  • Action required: You must contact the member to clarify the situation and obtain an updated payment method if necessary.

MS03:NotSpecifiedReasonAgentGenerated

  • Meaning: ISO 20022 code indicating a bank-initiated refusal with no specific reason provided by the financial institution.
  • Action required: The member must contact their bank to understand why the debit was refused, then inform you of the outcome.

SL01:SpecificServiceOfferedByDebtorAgent

  • Meaning: The member's bank refused the debit due to a specific account restriction or service rule (e.g., student account, account that restricts third-party debits, etc.).
  • Action required: The member must contact their bank to lift the restriction or use a different bank account.

Capture Failed

  • Meaning: The payment capture attempt failed on the processor side. This may be caused by an expired authorization window or a technical error during payment finalization.
  • Action required: You can retry the payment. If the issue persists, contact FLiiP Support.

Payment Stopped/Recalled

  • Meaning: The payment was stopped or recalled, either by the member's bank or by the member themselves after initiation.
  • Action required: You must contact the member to confirm their payment method and resubmit the transaction.

Refund-Related Errors

Refund not possible due to Chargeback

  • Meaning: A refund cannot be processed because a chargeback (bank dispute) has already been initiated on this transaction. Both processes cannot run simultaneously.
  • Action required: The dispute must be handled through the chargeback process rather than issuing a direct refund. Contact FLiiP Support if needed.

 

Beanstream (Bambora)

Complete Rejected/Declined

  • Meaning: The transaction was fully declined by the card network or issuer. No specific reason is included in this generic code.
  • Possible causes: Insufficient funds, expired card, blocked card, exceeded limit, or issuer refusal.
  • Action required: The member should contact their financial institution to find out the exact reason for the decline, then update their payment method in FLiiP.

Paysafe

Missing or invalid account

  • Meaning: The account information provided is missing or invalid and cannot be processed by Paysafe.
  • Action required: The member must verify and update their banking or card information in FLiiP.