If an ANZ Direct Debit payment is unsuccessful, ANZ provides a Dishonour File that can be imported into Vega to update the affected payments.

Importing this file automatically updates payment records with the appropriate dishonour reason, changes the payment status to Payment Declined, and updates any linked recurring payments according to your recurring payment retry settings.

⭐Before You Begin

Before importing a dishonour file:

• Process your ANZ Direct Debit file through your bank.
• Download the resulting ANZ Dishonour File.
• Ensure the original payments have already been created in Vega.

Important: This import updates existing payments. It does not create new payment records.

Import the Dishonour File

1. Go to Money > Bank Transactions.

2. Click Import.

3. Click Import and then select ANZ Transactions from the dropdown and Import Transactions:

4. Browse to or drag your ANZ Dishonour File.

Vega will import the transactions and display them in the Import screen.

Because the payments already exist in Vega:

• All transactions should display as Transaction Match.
• The imported amounts will appear as negative values, indicating that the payments have been dishonoured.
• All matching transactions are selected by default.

Post the Transactions

Once you have reviewed the imported transactions:

1. Click Create Batch From Selected Transactions.
2. Select either:
   • an existing Unposted Batch (typically the original payment batch), or
   • New to create a new batch.
3. Enter a Batch Code if creating a new batch.
4. Click Post to Batch.

Note: The Pay Type, GL Code, Campaign, Receipt Document, and Send By fields are not required for this import because no new payments are being created.

What Happens After Posting?

When the batch is posted, Vega automatically:

• Updates each payment to Payment Declined.
• Records the specific ANZ dishonour reason against the payment.
• Updates the payment's Pay Details.
• Applies the recurring payment retry process where applicable.

If the payment belongs to a recurring payment, Vega updates the recurrence according to the settings configured under:

Admin > Financial Settings > Recurring Payment Settings

Note: Recurring payment settings are only applied if the dishonoured payment is the most recent payment for that recurring payment.

ANZ Dishonour Codes

The following dishonour reasons are imported from the ANZ file:

Automatic Suspension of Recurring Payments

Recurring payments with the following dishonour reasons are automatically suspended:

• Unauthorised
• No Account
• Payment Stopped
• Authority Cancelled
• Account Closed

These failures generally indicate that payment details are no longer valid and require donor intervention before future payments can be processed.

Suspended recurring payments can be viewed from:

Money > Recurring Payments > Suspended

Tip: Consider creating recurring payment workflows that automatically notify the donor or an administrator when a recurring payment is suspended. This allows payment details to be updated promptly and reduces missed future donations.

Review the Updated Batch

After posting the import, open the selected batch to review the updated payments.

You will see:

• The payment status updated to Payment Declined.
• The imported ANZ Dishonour Reason recorded against the payment.

• Any recurring payment updates applied according to your recurring payment retry settings.

   

Related Articles

• Recurring Payment Auto-Generated Processing – Learn how Vega manages retry attempts, suspended recurring payments, and failed payment processing.
• Manage Active & Suspended Recurring Payments – View and manage recurring payments after they have been suspended.
• Reactivate a Closed or Suspended Recurring Payment – Resume recurring payments once the payment issue has been resolved.