Updated Failed payment mappings

Release date Wednesday 2nd October

We are constantly striving to improve on our collection rates and have undertaken a comprehensive review of the failed payment mapping codes we receive from our Australian and Singapore Mastercard and Visa processing provider to identify improvements to our failed payment response handling.

These changes will collectively result in both reduced payment failures and optimised handling of those payments that have declined.

From Wednesday October 2nd, new failed payment codes and mapping will be used for all new transactions. The new responses and mapping information will be displayed when utilising these APIs:

List Invoice API - https://developer.ezypay.com/reference#list-invoices
List transaction API - https://developer.ezypay.com/reference#list-transactions
Invoice_past_due webhook payload - https://developer.ezypay.com/docs/webhook-event-response#section-invoice-status-payload-event

The invoice and transaction status and FailedPaymentReason codes are summarised in the table below.

Payment provider response codes and descriptions are also updated and the full list can be found
https://developer.ezypay.com/docs/failed-payment-response

Invoice / webhook status	Transactions Status	Failed payment reason code	Payment Method status
PAID	Success	Success	Valid
PAST_DUE	Failed	Insufficient_funds	Valid
PAST_DUE	Failed	customerto contact_bank	Valid
PAST_DUE	Failed	Invalidpayment method	Invalidated
PAST_DUE	Failed	lost_or_stolen_card	Invalidated
PAST_DUE	Failed	expired_card	Invalidated
PAST_DUE	Failed	limit_exceeded	Valid
PAST_DUE	Failed	suspected_fraud	Invalidated
PAST_DUE	Failed	bank_system_error	Valid
PAST_DUE	Failed	ezypay_error	Valid

Invalidating Payment methods

Please note that Ezypay will take action to automatically invalidate the payment card details held on file, according to the provider response code, to ensure no retries or new transactions are processed or attempted. This will avoid unnecessary failed payment fee stacking.

Failure reason codes that will invalidate payment methods are shown in the table above.

When any new invoice or retry is sent with an invalidated payment method, these invoices will not be sent to our provider for processing and the invoice status will be set to Past_Due.

Invalid payment methods need to be updated before invoices can be retried.

Specific changes in respect of this and other payment response code handling in your country are documented here.

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If you have any questions about these changes and the system behaviours that result, please do not hesitate to contact our support team on 1300 300 553 or at help@ezypay.com.