AC04 | account_closed | Account number specified has been closed on the bank of account’s books |
AC06 | account_blocked | Account specified is blocked, prohibiting posting of transactions against it |
AC13 | debtor_account_type_invalid | Debtor account type is missing or invalid |
AC14 | agent_invalid | An agent in the payment chain is invalid |
AC15 | account_details_changed | Account details have changed |
AC16 | account_sequestered | Account is in sequestration |
AC17 | account_liquidated | Account is in liquidation |
AG01 | transaction_forbidden | Transaction forbidden on this type of account (formerly NoAgreement) |
AG02 | bank_operation_code_invalid | Bank Operation code specified in the message is not valid for receiver |
AM01 | zero_amount | Specified message amount is equal to zero |
AM02 | amount_too_high | Specific transaction/message amount is greater than allowed maximum |
AM03 | currency_not_allowed | Specified message amount is an non-processable currency outside of existing agreement |
AM04 | non_sufficient_funds | Amount of funds available to cover specified message amount is insufficient |
AM05 | duplication | Duplication |
AM06 | amount_too_low | Specified transaction amount is less than agreed minimum |
AM07 | amount_blocked | Amount specified in message has been blocked by regulatory authorities |
AM09 | wrong_amount | Amount received is not the amount agreed or expected |
AM10 | control_sum_invalid | Sum of instructed amounts does not equal the control sum |
ARDT | returned_previously | Already returned original transaction |
BE01 | creditor_name_mismatch | Identification of end customer is not consistent with associated account number, organization ID or private ID |
BE04 | creditor_address_incorrect | Specification of creditor’s address, which is required for payment, is missing, invalid, or not complete. Outgoing wires must have a full physical address for the creditor and the address cannot contain a PO Box or Private Mailbox. |
BE05 | initiating_party_unrecognized | Party who initiated the message is not recognized by the end customer |
BE06 | unknown_customer | End customer specified is not known at associated Sort/National Bank Code or does no longer exist in the books |
BE07 | debtor_address_invalid | Specification of debtor’s address, which is required for payment, is missing/not correct |
BE08 | bank_error | Returned as a result of a bank error |
CN01 | authorization_canceled | Authorization is cancelled |
CNOR | creditor_bank_not_registered | Creditor bank is not registered in the network |
CURR | currency_incorrect | Currency of the payment incorrect |
CUST | customer_requested | Cancellation requested by the Debtor |
DNOR | debtor_bank_not_registered | Debtor bank is not registered under in the network |
DS28 | return_for_technical_reason | Return following technical problems resulting in erroneous transaction |
DT01 | settlement_date_invalid | Invalid or missing settlement date |
ED01 | correspondent_bank_unattainable | Correspondent bank not possible |
ED03 | balance_information_requested | Balance of payments complementary info is requested |
ED05 | settlement_failed | Settlement of the transaction has failed |
EMVL | emv_liability_shifted | The card payment is fraudulent and was not processed with EMV technology for an EMV card |
ERIN | eri_option_unsupported | The Extended Remittance Information (ERI) option is not supported |
FF05 | local_instrument_code_invalid | Local Instrument code is missing or invalid |
FOCR | honor_return_request | Return following a cancellation request |
FR01 | fraud_suspected | Returned as a result of fraud |
FRTR | final_response_mandate_canceled | Final response or tracking recalled as mandate canceled |
MD01 | no_mandate | No Mandate |
MD02 | missing_mandate_information | Mandate related information data required by the scheme is missing |
MD06 | end_customer_requested | Requested by the end customer. |
MD07 | end_customer_deceased | End customer is deceased |
MS02 | creditor_request | Reason has not been specified by end customer |
MS03 | per_agent_request | Reason has not been specified by agent |
NARR | narrative | Reason is provided as narrative information in the additional reason information |
NOAS | customer_no_response | No answer from customer |
NOCM | non_compliant | Customer account is not compliant with regulatory requirements |
NOOR | transaction_not_found | Original transaction never received |
PINL | pin_liability_shifted | The card payment is fraudulent (lost and stolen fraud) and was processed as EMV transaction without PIN verification |
RC01 | routing_number_format_incorrect | Bank Identifier code specified in the message has an incorrect format (formerly IncorrectFormatForRoutingCode) |
RC07 | creditor_bic_incorrect | Incorrect routing number of the beneficiary bank |
RF01 | transaction_reference_not_unique | Transaction reference is not unique within the message |
RR01 | missing_debtor_account_number | Specification of the debtor’s account or unique identification needed for reasons of regulatory requirements is insufficient or missing |
RR02 | missing_debtor_data | Specification of the debtor’s name and/or address needed for regulatory requirements is insufficient or missing |
RR03 | missing_creditor_data | Specification of the creditor’s name and/or address needed for regulatory requirements is insufficient or missing |
RR04 | regulatory_reason | Regulatory Reason |
RUTA | returned_unable_to_apply | Return following investigation request and no remediation possible |
SL01 | debtor_agent_specific_service | Due to specific service offered by the Debtor Agent |
SL02 | creditor_agent_specific_service | Due to specific service offered by the Creditor Agent |
SL11 | creditor_not_whitelisted_by_debtor | Whitelisting service offered by the Debtor Agent; Debtor has not included the Creditor on its “Whitelist” |
SL12 | creditor_blacklisted_by_debtor | Blacklisting service offered by the Debtor Agent; Debtor included the Creditor on his “Blacklist” |
SL13 | direct_debit_count_exceeded | Due to Maximum allowed Direct Debit Transactions per period service offered by the Debtor Agent |
SL14 | direct_debit_limit_exceeded | Due to Maximum allowed Direct Debit Transaction amount service offered by the Debtor Agent |
SP01 | payment_stopped | Payment is stopped by account holder |
SP02 | payment_stopped_previously | Previously stopped by means of a stop payment advise |
SVNR | service_not_rendered | Service not rendered |
TM01 | untimely_transaction | Associated message was received after agreed processing cut-off time |
TRAC | removed_from_tracking | Return following direct debit being removed from tracking process |
UPAY | undue_payment | Undue payment |
