The following are the meanings of the status of your payments.

Approved Statuses

APPROVED: Payment has successfully been processed. This is specific to card transactions.

SETTLED: Payment has successfully been processed. This is specific to ACH/eCheck transactions.

FUNDED: Payment has successfully been processed and has been funded to the bank account. This is specific to transactions processed by CSG Forte.

Pending Statuses

SETTLING ACH: Payment is still processing. This can take up to four business days.

OPEN: Your customer still has not paid this invoice. You can process this payment manully if you have the customer’s payment information on file. Learn more about Invoice Billing.

How long do payments take to process? – CSG Forte

Failed Statuses

ACCT NOT APPROVED: This error means that this checking/routing number is on CSG Forte’s known bad list. They have historical data that states this transaction will not go through. You, as the merchant, have the ability to call and ask CSG Forte to allow the transaction to go through but there is a good chance that it will be returned.

INVALID ACCT: This error means that this checking/routing number is on CSG Forte’s known bad list. They have historical data that states this transaction will not go through. You, as the merchant, have the ability to call and ask CSG Forte to allow the transaction to go through but there is a good chance that it will be returned.

DECLINE / AUTH DECLINE: Generic decline message.

PIC UP: This typically means the card was reported as lost/stolen. You will need a new payment method for the customer.

EXPIRED CARD: The card on file has an expired date. You can contact the customer to get the new date.

INVLD EXP DATE: The expiration date on file doesn’t match what’s on the credit/debit card. Get a new expiration date from the customer.

NSF: Insufficient funds. You should contact your customer for a new payment method, or retry the payment at a later date.

Full list of credit card transaction errors.

Full list of ACH transaction errors.