Payrix charges 33c on a failed realtime payment. If a payment is sent to the bank and the bank rejects it then 33c applies. If a card number is invalid and doesn’t pass the payment form check then there is no fee.
Details below:
| Fee | |||
| R3 | Invalid credit card | S-ICC | Yes |
| R4 | Expired credit card | S-EXP | Yes |
| R5 | Invalid transaction | – | No |
| R6 | Transaction declined | – | Yes |
| R7 | Authority revoked by payer | C-CPS | Yes |
| R8 | Payer deceased | C-DED | Yes |
More info here: https://docs.rest.paymentsapi.io/#b02dad21-6aa7-4876-a2b7-d7c4e2d8226f
Ezidebit info: https://help.ezidebit.com/help/s/article/Dishonour-Codes