Most Common Support Issues
If your payment has been rejected AFTER it was first processed by uCollect please see our help page “What to do when a payment fails.”
When a collection is attempted in uCollect it is sent to a third party gateway for processing. There are actually several parties involved in the process – all of whom can decline the transaction along the way, some even after it was initially approved/received. The process works a little differently with Credit Cards than with Bank Accounts (ACH/PAD/Direct Debits).
You usually receive a decline on a credit card transaction immediately. We pass along to you whatever message is received from the payment processor – but this is often quite useless! Here are the most common reasons and some suggestions.
|Generic Decline||See suggestions below|
|Insufficient Funds||Let uCollect keep trying until it succeeds or you tell us to stop (by suspending the invoice). We will keep notifying you every time it fails
You may contact the customer and ask for an alternate payment method.
|Card Expired||Contact the customer to update the credit card details (you can send an Invite)|
|Card Error||Usually indicates a bad card number or a cancelled account. Contact the customer to update the credit card details (you can send an Invite)|
|Over limit||Your gateway/processor may have established limits for your account that restrict the per-transaction, daily, or monthly amounts that you can process. uCollect will try again every day until it is successful. Contact your payment processor to discuss your limits.|
At present uCollect does NOT contact the customer when a payment fails. We do notify the merchant administrator every time it fails (but we don’t tell you when it succeeds – no news is good news).
Here are some suggestions on how to investigate the generic declines. Please do not contact uCollect for assistance until you have done all these steps – we can’t get any more detail.
ACH/PAD/Direct Debits do not have a method for instant approval – so when one is accepted by a gateway it is not really “approved” but more like “pending.” If you receive an error message when uCollect processes it then there is probably a technical problem such as a bad account number (not always detected) or a problem with your gateway account setup. You would normally contact your gateway directly to resolve issues with your account.
It is much more common for Bank Debits to fail after they have been accepted by the gateway. There are more tips on how to deal with that in our “What to do when a payment fails” page.