Payment status

The the transaction overview in zahls.ch provides a complete view of all payments and payment attempts, allowing you to see at a glance which payments were successful and which were not.

Payment Status and Their Meaning

Click on the respective transaction to view more detailed information about its payment status.

In the transaction details, you can find additional information explaining the reason for a failed payment.

The following list shows all payment statuses, when they occur, and what they mean:

Payment status	Description
confirmed	The transaction was successfully processed.
cancelled	The customer has intentionally canceled the payment process.
declined	The payment was declined for one of the following reasons: 3-D Secure authentication was denied or not successfully completed; the card issuer declined the transaction; there were insufficient funds on the card.
timeout	The payment processing exceeded the payment provider's time limit.
error	An error occurred during the payment processing.
waiting	The payment has been initialized and its status will be updated in the next few hours or days. Note: For manual payment methods, the status can be manually adjusted.
refunded	The entire transaction amount has been refunded.
partially-refunded	A partial refund of the transaction has been processed.
authorized	Tokenization has occurred and the card can be charged recurrently in the future, or the amount from the pre-authorization has been charged.
reserved	Tokenization has occurred but the amount has not yet been charged, or a specific amount has been reserved on the card and is available for withdrawal in the coming days.
chargeback	The customer has disputed the payment with their bank. You can accept the dispute or submit evidence through the transaction detail view.
chargeback (contact)	The buyer has disputed the payment with their bank. We will contact you regarding the handling of the dispute.
evidence under review	The evidence you submitted is still under review.
dispute won	The customer's bank has determined that you, as the merchant, are in the right. The dispute is thus resolved.
dispute lost	The customer's bank has determined that the buyer is in the right. The dispute is thus resolved.

Further Information on Failed Payments

For unsuccessful payments, you can find additional details in the transaction’s detail view, for example:

Reason: Exceeds withdrawal limit
Code: 61

These two-character codes (e.g., 61) are part of an international messaging standard (ISO 8583) for card transactions. They are not generated by zahls.ch, but by the card-issuing bank, i.e., the end customer's bank.

Meaning of the error code and recommended action

The following table provides an overview of the different error codes and their meanings:

Code	Meaning
01	The card issuer has declined the transaction. The cardholder should contact the issuing bank directly to clarify the situation.
03	This code indicates that the entered data is incorrect. The customer should try again.
04	The transaction was declined by the issuing bank, as the card may have been reported lost or stolen, and retention of the card was requested. Please ask the customer to use a different card or contact their bank to resolve the issue.
05	The card issuer is unwilling to accept the transaction. The customer should use an alternative card or contact their bank for further information.
06	Ensure that the card has not been mistakenly flagged as fraudulent. Please ask the customer to contact their bank or try using a new card.
07	The transaction was declined. This may be due to the card being reported as lost or stolen.
10	Certain card issuers allow for partial authorization of a transaction. In such cases, a portion of the requested amount is approved, and the remaining balance must be paid using an alternative payment method.
12	An error occurred while processing the card. Please ensure that the payment options are correctly configured.
13	Please double-check the entered information. If a negative amount or invalid characters were entered during the transaction, ask the customer to resubmit the payment.
14	The transaction was declined by the card issuer because the credit card number was either entered incorrectly or does not exist. The customer should verify their card details and try again.
15	The customer's card issuer does not exist. Please ask the customer to verify their card details and attempt the transaction again.
19	Transaction processing is temporarily unavailable (applies to Visa). Please ask the customer to try again later.
22	The issuing bank did not respond during the transaction. Please ask the customer to verify the card details and try processing the transaction again.
31	The customer's bank has declined the transaction because the card cannot be used for mail, telephone, fax, email, or online orders. This error typically occurs with Discover cards, so the customer should use an alternative card. If a Discover card was not used, the customer should contact their bank.
34	The transaction was declined by the issuing bank due to suspected fraud on the card number used. If multiple transactions with code 34 occur, please contact us.
41	The issuing bank has declined the transaction because the cardholder reported the card as lost or stolen. Refer the cardholder to the issuing bank and do not fulfill the order.
42	The transaction was declined by the issuing bank because the account type is invalid for this card number. Please ask the customer to use a different card or contact their bank.
43	The issuing bank has declined the transaction because the cardholder reported the card as stolen. Refer the cardholder to the issuing bank and do not fulfill the order.
46	The transaction was declined by the customer's bank due to account closure or validation issues. Please ask the customer to contact their bank to resolve the validation problem.
51	The transaction was declined by the card issuer due to insufficient funds in the linked account or because the charge would exceed the card’s credit limit. The customer should try using an alternative card or contact the card issuer.
54	The card has expired and is no longer valid. The customer should update their card details or use a different card.
55	The customer entered an incorrect PIN. Please ask them to enter the correct PIN or use an alternative payment method.
56	The issuing bank has declined the transaction because the card number does not exist. Please ask the customer to use a different credit card.
57	The issuing bank has declined the transaction because the card used cannot be accepted for this type of transaction. Please ask the customer to use a different card or contact their bank. Once the bank confirms that the transaction can be processed correctly, the customer may attempt the transaction again.
58	The card cannot be used for this type of transaction. This error code often occurs when attempting to pay with a test card in live mode.
59	The issuing bank has declined the transaction as it was flagged as fraudulent. Monitor all transactions processed after this error and contact zahls.ch support.
61	The transaction amount exceeds the withdrawal limit set by the card issuer.
62	The card is invalid in a specific region or country, or the customer attempted to pay online with a card that does not support online transactions. Please ask the customer to use a different payment method.
63	The issuing bank has detected a security issue with the card used. Please ask the customer to choose an alternative payment method or try the transaction again once the issue has been resolved with their bank.
65	The transaction was declined because the card has reached its activity limit. Please ask the customer to use a different payment method.
67	The transaction was declined by the issuing bank due to suspicion that the card is counterfeit. Inform the customer and ask them to use a different card and contact their bank.
70	The issuing bank requires secure customer authentication for this payment. Please ask the customer to retry the transaction by entering their PIN (applies to Visa).
75	The customer has exceeded the maximum number of incorrect PIN attempts set by the issuing bank. The customer can either try again or use a different payment method.
78	The account associated with this card number does not exist. Please ask the customer to use a different card.
79	The transaction was declined due to incorrect card information (commonly occurs with Mastercard). The issuing bank declined the transaction due to suspected potential fraud related to this payment (applies to Mastercard transactions).
80	The card expiration date provided is invalid. The customer should verify the expiration date and try again.
82	The transaction was declined because the CVV/CID/CVC number provided by the customer does not match the one on file with the card issuer. The customer should verify the CVV/CID/CVC number and try again.
83	The issuing bank declined the transaction due to suspected potential fraud related to this payment (applies to Mastercard transactions).
84	The issuing bank has declined the payment due to a logical or timing-related error in the authorization lifecycle. In such cases, please ask the customer to complete the payment using an alternative payment method.
86	The entered PIN could not be validated. Please ask the customer to retry the transaction without entering a PIN or, if this does not work, to contact their bank.
91	The issuing bank could not be reached to authorize the transaction. The customer should try the transaction again or contact their bank.
92	The customer’s card could not be located for payment processing. The customer should try the transaction again.
93	The issuing bank does not allow this transaction. The customer must use a different payment method.
96	The issuing bank is temporarily unavailable due to a system failure. Please ask the customer to try again or use a different payment method.
1A	The code applies to Visa and indicates that authentication is required for the transaction. If the transaction is not subject to the PSD2 regulation and was not processed via 3D Secure, the customer should retry the transaction using 3D Secure.
6P	This code occurs when account verification fails in connection with Visa Direct. Please ask the customer to contact their bank.
N4	The transaction amount exceeds the withdrawal limit set by the card issuer. The customer should use a different payment method for this transaction.
N7	The CVV2 code provided by the customer does not match the code registered with the card issuer. Please ask the customer to retry the transaction.
P1	The card issuer is temporarily unavailable, so the transaction cannot be authorized at this time. The customer should try again later.
R	The payment cannot be approved because the cardholder has requested the cancellation of a specific one-time recurring payment (Visa). Please contact the customer.
R1	The payment cannot be approved because the cardholder has requested to stop all recurring payments (Visa). Please contact the customer.
R3	The payment cannot be approved because all recurring payments for this card number have been cancelled (Visa). Please contact the customer.