| Code | Message | Applicable Call | Description |
|---|---|---|---|
| 100 | Success | Search, Verify or Process | Returned if transaction is successful. |
| 101 | Success - Idempotent Response | Verify or Process | Returned when the received unique client assigned participant_unique_id1 value was processed successfully on a prior request. A new transaction is not processed. |
| 102 | Success - Pending Issuer Response | Process | Returned when response from issuer has not been received by the configured client level timeout. Applicable to push transactions |
| 103 | Success - Payment request received - queued for processing | Async Process | Returned on a successful Async process request. Transaction added to queue for processing |
| 104 | In Progress - Idempotent Response | Process | Returned when the received unique client assigned participant_unique_id1 value was previously received on a prior request and is currently processing. A new posting attempt to the destination account is not initiated. |
| Code | Message | Applicable Call | Description |
|---|---|---|---|
| 700 | Account not currently available for processing via Ingo | Search, Verify or Process | Account not available for processing |
| 1042 | Check Digit Failure - Please check account number and try again. | Search, Verify or Process | The account number provided failed check digit validation. A mis-key of the account number typically causes this. |
| Code | Message | Applicable Call | Description |
|---|---|---|---|
| 111 | Success - AVS Street address matches but the zip does not | Verify | AVS soft failure response - when the street address matches but the zip does not |
| 112 | Success - AVS Street address matches but zip could not be verified due to incompatible formats | Verify | AVS soft failure response - when the street address matches but zip could not be verified due to incompatible formats |
| 113 | Success - AVS Street address and zip could not be verified due to incompatible formats | Verify | AVS soft failure response - when the street address and zip could not be verified due to incompatible formats |
| 114 | Success - AVS Issuer is not an AVS participant or Issuer did not return an AVS result | Verify | AVS soft failure response - when the issuer is not an AVS participant or issuer did not return an AVS result |
| 115 | Success - AVS Address information not verified | Verify | AVS soft failure response - when the address information not verified |
| 116 | Success - AVS No Match | Verify | AVS soft failure response - when there is no match |
| 117 | Success - AVS Zip matches but street address could not be verified due to incompatible formats | Verify | AVS soft failure response - when the zip matches but street address could not be verified due to incompatible formats |
| 118 | Success - AVS Issuer unavailable or timed out | Verify | AVS soft failure response - issuer is unavailable or timed out |
| 119 | Success - AVS Zip matches but street address does not | Verify | AVS soft failure response - when the zip matches but street address does not |
| 510 | Transaction Failure - Contact Ingo Payments Client Services at 877-739-2926 | Verify | AVS Timeout |
| 512 | Transaction Failure - Contact Ingo Payments Client Services at 877-739-2926 | Verify | CVV Timeout |
| 513 | Transaction Failure - Contact Ingo Payments Client Services at 877-739-2926 | Verify | AVS Unknown Error |
| 515 | Transaction Failure - Contact Ingo Payments Client Services at 877-739-2926 | Verify | CVV Unknown Error |
| 753 | AVS Declined - Street address matches but the zip does not | Verify | AVS Declined - Street address matches but the zip does not |
| 754 | AVS Declined - Street address matches but zip could not be verified due to incompatible formats | Verify | AVS Declined - Street address matches but zip could not be verified due to incompatible formats |
| 755 | AVS Declined - Street address and zip could not be verified due to incompatible formats | Verify | AVS Declined - Street address and zip could not be verified due to incompatible formats |
| 756 | AVS Declined - Issuer is not an AVS participant or Issuer idd not return an AVS result | Verify | AVS Declined - Issuer is not an AVS participant or Issuer did not return an AVS result |
| 757 | AVS Declined - Address information not verified | Verify | AVS Declined - Address information not verified |
| 758 | AVS Declined - No Match | Verify | AVS Declined - No Match |
| 759 | AVS Declined - Zip matches but street address could not be verified due to incompatible formats | Verify | AVS Declined - Zip matches but street address could not be verified due to incompatible formats |
| 760 | AVS Declined - Retry – Issuer unavailable or timed out | Verify | AVS Declined - Retry – Issuer unavailable or timed out |
| 764 | AVS Declined - Zip matches but street address does not | Verify | AVS Declined - Zip matches but street address does no |
| 765 | CVV Declined | Verify | CVV Declined |
| Code | Message | Applicable Call | Description |
|---|---|---|---|
| 122 | Success - ANV No Data Available or non-participating account issuer | Verify | ACH Account Number Validation soft failure response - No Data or Account issuer not participating |
| 123 | Success - NAV No Data Available from account issuer | Verify | ACH Name on Account Validation soft failure response - No Data from account issuer |
| 124 | Success - NAV Address did not match | Verify | ACH Name on Account Validation soft failure response - Address did not match |
| 125 | Success - NAV Customer name or customer name and address did not match | Verify | ACH Name on Account Validation soft failure response - Customer name or customer name and address did not match |
| 126 | Success - NAV Customer or Business Name did not match | Verify | ACH Name on Account Validation soft failure response - Customer or Business Name did not match |
| 743 | RNV - Invalid routing_number | Verify | Routing Number provided is not available or is incorrect |
| 767 | ANV Declined - No Data Available or non-participating account issuer | Verify | ACH Account Number Validation Decline - No Data or Account issuer not participating |
| 768 | ANV Decline - Invalid routing number | Verify | ACH Account Number Validation Decline - Invalid routing number |
| 769 | ANV Decline - Invalid account number | Verify | ACH Account Number Validation Decline - Invalid account number |
| 776 | NAV Decline - No Data Available from account issuer | Verify | ACH Name on Account Validation Decline - No Data from account issuer |
| 777 | NAV Decline - Address did not match | Verify | ACH Name on Account Validation Decline - Address did not match |
| 778 | NAV Decline - Customer name or customer name and address did not match | Verify | ACH Name on Account Validation Decline - Customer name or customer name and address did not match |
| 779 | NAV Decline - Customer or Business Name did not match | Verify | ACH Name on Account Validation Decline - Customer or Business Name did not match |
| Code | Message | Applicable Call | Description |
|---|---|---|---|
| 400 | Transaction Failure - Contact Ingo Payments Client Services at 877-739-2926 | Search, Verify or Process | One or more required parameters are missing or the value is null. |
| 401 | Transaction Failure- Contact Ingo Payments Client Services at 877-739-2926 | Verify | The parameters in the call are incorrect. |
| 402 | Transaction Failure- Contact Ingo Payments Client Services at 877-739-2926 | Search, Verify or Process | The timestamp used in the signature generation is too distant from the current time. |
| 403 | Transaction Failure- Contact Ingo Payments Client Services at 877-739-2926 | Search, Verify or Process | The API key passed does not exist. |
| 404 | Transaction Failure- Contact Ingo Payments Client Services at 877-739-2926 | Search, Verify or Process | The API key has been suspended. |
| 405 | Transaction Failure- Contact Ingo Payments Client Services at 877-739-2926 | Search, Verify or Process | Returned if client has been temporarily suspended. |
| 406 | Transaction Failure- Contact Ingo Payments Client Services at 877-739-2926 | Search, Verify or Process | Participant ID does not exist. |
| 407 | Transaction Failure- Contact Ingo Payments Client Services at 877-739-2926 | Search, Verify or Process | Participant signature does not match expected value. |
| 408 | Transaction Failure - Contact Ingo Support at 877-739-2926 | Search, Verify or Process | Authorization Failure |
| 412 | Transaction Failure - Contact Ingo Support at 877-739-2926 | Search, Verify or Process | Unsupported HTTP method |
| 413 | Transaction Failure - Contact Ingo Support at 877-739-2926 | Verify or Process | Invalid S2P type |
| 414 | Transaction Failure - Contact Ingo Support at 877-739-2926 | Verify or Process | Invalid Debit type |
| 415 | Transaction Failure - Contact Ingo Support at 877-739-2926 | Verify or Process | Route API Disabled |
| 516 | Transaction Failure - Contact Ingo Support at 877-739-2926 | Verify or Process | Unauthorized Distribution Type |
| 530 | Transaction Failure - Contact Ingo Support at 877-739-2926 | Verify or Process | Unauthorized Account Type |
| 600 | Field validation error - See validation errors for details | Search, Verify or Process | Validation error of values on one or more fields in request |
| 609 | Transaction Failure - Contact Ingo Support at 877-739-2926 | Verify or Process | Invalid Request to Payment Gateway |
| 612 | Unauthorized to use this tender type | Verify or Process | An invalid or unauthorized value has been provided for source_of_funds. |
| 708 | Transaction Failure- Contact Ingo Payments Client Services at 877-739-2926 | Process | Transaction attempted is invalid. |
| 724 | Store not authorized for this transaction type | Verify or Process | Store not authorized for this transaction type. Applicable to designated retail clients only. |
| 800 | Card Swipe Required - Track Data required for this card type | Process | Card Swipe Required - Track Data required for this card type |
| 801 | Invalid track1 data - Please retry card swipe | Process | Invalid track1 data - Please retry card swipe |
| 802 | Invalid track2 data - Please retry card swipe | Process | Invalid track2 data - Please retry card swipe |
| 804 | Invalid Token | Process | Invalid Token |
| 815 | Invalid Billpayment Token | Verify or Process | An invalid token has been used with BP account_type. |
| Code | Message | Applicable Call | Description |
|---|---|---|---|
| 500 | Transaction Failure- Contact Ingo Payments Client Services at 877-739-2926 | Search, Verify or Process | General Error - Please contact Ingo Payments immediately. |
| 501 | Transaction Failure- Contact Ingo Payments Client Services at 877-739-2926 | Verify or Process | Response from endpoint was invalid. |
| 502 | Transaction Failure - Contact Ingo Support at 877-739-2926 | Verify or Process | Process Timeout |
| 706 | Transaction Failure- Contact Ingo Payments Client Services at 877-739-2926 | Process | Transaction Routing Failure |
| 707 | Transaction Failure- Contact Ingo Payments Client Services at 877-739-2926 | Process | Transaction Routing Failure |
| 709 | Transaction Failure- Contact Ingo Payments Client Services at 877-739-2926 | Process | Transaction Routing Failure |
| 717 | Transaction Failure - Contact Ingo Support at 877-739-2926 | Process | Transaction Routing Failure |
| 718 | Transaction Failure - Contact Ingo Support at 877-739-2926 | Process | Transaction Routing Failure |
| 750 | Transaction Failure - Contact Ingo Support at 877-739-2926 | Verify or Process | Response from Endpoint not recognized |
| 751 | Transaction Failure - Contact Ingo Support at 877-739-2926 | Process | Response from Endpoint not defined |
| 763 | Transaction Failure - Contact Ingo Support at 877-739-2926 | Process | Route not configured for client processing |
| 900 | Transaction Failure - Contact Ingo Support at 877-739-2926 | Verify or Process | Account Identity Lookup Error |
| 901 | Transaction Failure - Contact Ingo Support at 877-739-2926 | Verify or Process | Account Identity Lookup Error |
| 990 | Transaction Failure - Contact Ingo Payments Support at 877-739-2926 | Verify or Process | General Error - Please contact Ingo Payments immediately. |
| 999 | Transaction Failure- Contact Ingo Payments Client Services at 877-739-2926 | Verify or Process | General Error - Please contact Ingo Payments immediately. |
| Code | Message | Applicable Call | Description |
|---|---|---|---|
| 603 | Transaction amount was outside your allowed range | Process | Transaction was above maximum payment amount or below minimum payment amount. |
| 604 | Insufficient funds | Process | Amount exceeds funds available in the participant daily processing assigned cap or prefund balance. |
| 711 | Transaction exceeds single transaction amount limit | Process | Dollar amount of transaction exceeds the limit set by participant, sponsor bank or the Ingo Payments system limit. |
| 712 | Transaction exceeds daily transaction amount limit | Process | Dollar amount of transaction exceeds the limit set by participant, sponsor bank or the Ingo Payments system limit. |
| 713 | Transaction exceeds weekly transaction amount limit | Process | Dollar amount of transaction exceeds the rolling 7-day limit set by participant, sponsor bank or the Ingo Payments system limit. |
| 714 | Transaction exceeds monthly transaction amount limit | Process | Dollar amount of transaction exceeds the rolling 30-day limit set by participant, sponsor bank or the Ingo Payments system limit. |
| 715 | Transaction exceeds max transactions per month limit | Process | Transaction exceeds maximum number of push payments allowed in a rolling 30 day period as set by participant, sponsor bank or the Ingo Payments system limit. |
| 716 | Transaction exceeds 15 day transaction amount limit | Process | Dollar amount of transaction exceeds the rolling 15-day limit set by participant, sponsor bank or the Ingo Payments system limit. |
| 719 | Transaction amount is below Issuer minimum of: $xxxx.xx | Process | Transaction amount is below the minimum amount accepted by the issuer. |
| 720 | Transaction amount is above Issuer maximum of: $xxxx.xx | Process | Transaction amount is above the maximum amount accepted by the issuer. |
| 722 | Transaction exceeds max amount per store daily. limit | Process | Transaction exceeds max amount per store daily limit. Applicable to designated retail clients only |
| 723 | Transaction exceeds max transactions per store daily limit | Process | Transaction exceeds max transactions per store daily limit. Applicable to designated retail clients only. |
| 866 | Account Blocked | Verify or Process | Account has been blocked - Contact Ingo Support at 877-739-2926. |
| 975 | Routing Disabled by Sponsor Bank - Contact Ingo Support at 877-739-2926 | Process | Routing Disabled by Sponsor Bank |
| Code | Message | Applicable Call | Description |
|---|---|---|---|
| 130 | Success - OFAC Suspended | Process | OFAC transaction has been suspended - transaction under review by Ingo Risk Services. |
| 511 | Transaction Failure - Contact Ingo Payments Client Services at 877-739-2926 | Process | OFAC Timeout |
| 514 | Transaction Failure - Contact Ingo Payments Client Services at 877-739-2926 | Process | OFAC Unknown Error |
| 752 | OFAC Declined - Do not honor | Process | OFAC verfication - Potential Match |
| Code | Message | Applicable Call | Description |
|---|---|---|---|
| 701 | Transaction Failure - Contact Ingo Support at 877-739-2926 | Process | Payment destination no longer available for processing. |
| 703 | Transaction Failure- Contact Ingo Payments Client Services at 877-739-2926 | Process | Returned if Issuer/Payee ID passed does not exist. |
| 710 | Issuer Declined - Customer should contact card issuer | Process | The card issuer has declined the posting request. This can be any number of reasons from account status (lost/stolen) to invalid min or max transaction amounts imposed by the issuer. The consumer should be directed to contact the card issuer for more information. |
| 721 | Payment amount exceeds total card limit | Process | Payment causes the card balance to exceed total allowable limit. |
| 790 | Declined - Stand In | Process | Returned when response from issuer has not been received by the configured client level timeout. Applicable to pull transactions. |
| 803 | Invalid card expiration date | Process | Invalid card expiration date |
| 851 | Issuer Declined - Do not honor transaction | Process | Returned if card issuer declines transaction request with - Do not honor response |
| 852 | Issuer Declined - Invalid account number | Process | Returned when response from card issuer indicates invalid account number (no such number) |
| 853 | Issuer Declined - Invalid transaction | Process | Returns when card issuer rejects transaction attempts as invalid. |
| 854 | Issuer Declined - Transaction not permitted to cardholder - Customer ineligible | Process | Returns when card issuer indicates account is not permitted or eligible for attempted transaction. |
| 855 | Transaction Failure - Network Routing Failure - Contact Ingo Support - 877-739-2926 | Process | Returns when routing network indicates card issuer not found, not supported, or network routing uknown |
| 856 | Issuer Declined - Stolen card, pick up card requested | Process | Returns when card issuer responds indicating stolen card, along with a request to pick up card. |
| 857 | Issuer Declined - Pick up card requested | Process | Returns when card issuer response is a request to pick up card, potential special condition. |
| 858 | Issuer Declined - Transaction exceeds account approval amount limit | Process | Returns when card issuer indicates account has exceeded approved withdrawal amount limit. |
| 859 | Issuer Declined - Restricted Card | Process | Returns when card issuer indicates the account is restricted from the transaction attempt. |
| 860 | Issuer Declined - Lost card, pick up card requested | Process | Returns when card issuer indicates card has been lost, along with a request to pick up card. |
| 861 | Transaction Failure - Routing Network Inoperative or Malfunctioning - Contact Ingo Support - 877-739-2926 | Process | Returns when routing network indicates card Issuer or switch is inoperative OR network system malfunction. |
| 862 | Issuer Declined - Insufficient funds | Process | Returns when card issuer indicates the account has insufficient funds to perform the attempted transaction. |
| 863 | Issuer Declined - Transaction exceeds account frequency limit | Process | Returns when card issuer indicates account has exceeded approved transaction frequency limit. |
| 864 | Issuer Declined - No checking / credit account | Process | Retuns when card issuer indicates no checking or credit account |
| 865 | Issuer Declined - Invalid transaction amount | Process | Returns when card issuer indicates transaction attempt against account contains an invalid amount. |
| Code | Message | Applicable Call | Description |
|---|---|---|---|
| 540 | Check Stop Service Error - Please contact Ingo Payments | Check Stop | Returns when request is unsupported by endpoint due to incompatibility. |
| 541 | Check Stop Unknown Error | Check Stop | Returned when the response from endpoint times out or returns a known/unknown error. |
| 744 | Check Cancel Failure - Check has already been canceled or in a status that does not support cancelation | Check Cancel | Check has already been canceled or is in a state that cannot be canceled. Retuns when a cancel request has been received for a previously canceled check or the check issuance is currently in a status that does not support cancelation. |
| 745 | Check Stop Failure - Check has already been stopped or is in a state that can not be stopped | Check Stop | Check has already been stopped or is in a state that cannot be stopped. Retuns when a stop request has been received for a previously stopped check or the check issuance is currently in a status that does not support stop. |
| 746 | Check Stop Failure - Check already posted today | Check Stop | Check Already Posted Today |
| 747 | Check Stop Failure - Teller check hold on account | Check Stop | Teller Check Hold on Account |
| 748 | Check Stop Failure - Error locating DDA | Check Stop | Error Locating DDA |
| 749 | Check Stop Failure - Temporarily unable to place stop, please retry | Check Stop | Temporarily Unable to Place Stop, Please retry |