Ezidebit as a payment processor
With more than 20 years of payments expertise, Ezidebit has become a staple in the Australian and New Zealand markets. More than 27,000 businesses and over half a million consumers trust Ezidebit to process their payments.
As a consumer, you have entered into a direct debit arrangement with a business (or supplier) that you are receiving goods or services from, such as a gym, childcare centre or self-storage facility (plus many other suppliers).
Ezidebit acts as the payment processor on behalf of these businesses.
To authorise this payment, you signed a Direct Debit Request Authority (either paper-based or electronically) with the business you are receiving goods or services from. Ezidebit relies on this authority to process funds from customers’ accounts.
Payments that are processed against bank accounts and credit/debit cards can be returned to Ezidebit as a dishonour for a variety of reasons. Unfortunately, limited information is provided to Ezidebit from your bank about these dishonours - only a response code. More information on these codes can be found below, as well as what your next steps should be to resolve the dishonoured payment.
Description of the failed payment codes
If your direct debit payment has recently failed, please refer to the information below for an explanation of the failed payment (dishonour) codes, descriptions and if there is action required by you to rectify.
When a payment has been debited from a Bank Account
Failed Payment Code |
Failed Payment Description |
Customer Next Steps |
1 |
Invalid BSB Number The BSB number provided is incorrect. |
|
2 |
Payment Stopped The provided bank account has been blocked for direct debits processed by Ezidebit. This could be related to the business you are now trying to pay, or for a previous business that you were paying who also used Ezidebit. Further payments will not be able to be processed until you have requested that this block is lifted. |
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3 |
Account Closed The account has been closed with the financial institution. |
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4 |
Customer Deceased The financial institution has received notification that the account holder is deceased. |
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5 |
No Account Number or Incorrect Account Number The Account number provided is not correct. |
|
6 |
Refer to Customer Funds not available or account provided that doesn’t allow for direct debits. |
|
9 |
Technically Invalid The financial institution has not honoured the payment. This could be due to a possible issue with bank account details, or the account type does not allow Direct Debits. |
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When a payment has been debited from a Credit/Debit Card
Failed Payment Code |
Failed Payment Description |
Customer Next Steps |
003 |
Invalid Merchant This failed payment code often means that the card number provided can’t be used for direct debit payments, e.g. gift cards or EFTPOS cards. |
|
004 |
Pickup Card This response is usually provided when there is an issue with the card and the issuing financial institution has not honoured the payment. This is sometimes due to a card that has been cancelled or reported lost. |
|
005 |
Do Not Honour
|
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033 |
Expired Card The card has expired and recurring payments are not permitted by the issuer. |
|
041 |
Lost Card Card has been reported as lost. |
|
042 |
No Universal Account The card number is not attached to a valid account. |
|
043 |
Stolen Card Card has been reported as stolen. |
|
051 |
Not Sufficient Funds Funds not available. |
|
054 |
Expired Card The card has expired and recurring payments are not permitted by the issuer. |
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