> ## Documentation Index
> Fetch the complete documentation index at: https://docs.lead.bank/llms.txt
> Use this file to discover all available pages before exploring further.
# Return Codes
> Details about processing or receiving wire returns.
This page includes the full list of supported return and rejection reason codes along with their corresponding enum values and descriptions.
## Wire Returns
Wire return and rejection codes indicate why a wire was returned or rejected by the receiving bank, or why Lead rejected an outbound. These ISO 20022 codes can help you understand why a wire failed and determine what follow-up actions may be needed.
## Return Codes
### For /RETURN Endpoint
The following codes can be used to initiate **outgoing** wire return through `/RETURN` endpoint.
| **ISO Code** | **Enum** | **Description** |
| ------------ | ------------------------ | ------------------------------------------------------------------------------------------------------------------ |
| `AC06` | `account_blocked` | Account specified is blocked, prohibiting posting of transactions against it. |
| `AM09` | `wrong_amount` | Amount received is not the amount agreed or expected. |
| `BE01` | `creditor_name_mismatch` | Identification of end customer is not consistent with associated account number, organization ID or private ID. |
| `FOCR` | `honor_return_request` | Return following a cancellation request. |
| `FR01` | `fraud_suspected` | Returned as a result of fraud. |
| `MS02` | `creditor_request` | Reason has not been specified by end customer. |
| `NARR` | `narrative` | Reason is provided as narrative information in the additional reason information. |
| `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. |
### All ISO Return Codes
All possible wire return request codes you may see according to the ISO 20022 spec.
| **ISO Code** | **Enum** | **Description** |
| :----------- | :----------------------------------- | :--------------------------------------------------------------------------------------------------------------------------------------- |
| `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 a 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. |
| `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, invalid, or not complete. |
| `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 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. |
## Rejection Codes
### Incoming Wires
Possible rejection codes Lead may use to reject an incoming wire.
| **ISO Code** | **Enum** | **Description** |
| ------------ | --------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `AC01` | `account_number_incorrect` | Format of the account number specified is not correct. |
| `AC03` | `creditor_account_number_invalid` | Creditor account number invalid / missing OR Wrong IBAN in SCT. |
| `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. |
| `AM07` | `amount_blocked` | Amount specified in message has been blocked by regulatory authorities. |
| `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. |
| `BE07` | `debtor_address_invalid` | Specification of debtor's address, which is required for payment, is missing, invalid, or not complete. |
| `FOCR` | `honor_return_request` | Return following a cancellation request. |
| `MS02` | `creditor_request` | Reason has not been specified by end customer. |
| `MS03` | `per_agent_request` | Possible reasons including, but not limited to:
- wire transactions related to prohibited countries or prohibited parties
- invalid formatting
Contact Lead's wire team if you have further questions. |
| `NARR` | `narrative` | Reason is provided as narrative information in the additional reason information. |
| `RC01` | `routing_number_format_incorrect` | Bank Identifier code specified in the message has an incorrect format.
(formerly IncorrectFormatForRoutingCode) |
### Outgoing Wires
Possible rejection codes Lead may use to reject an outgoing wire.
| **ISO Code** | **Enum** | **Description** |
| ------------ | ---------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `AM04` | `non_sufficient_funds` | Amount of funds available to cover specified message amount is insufficient. |
| `AM07` | `amount_blocked` | Amount specified in message has been blocked by regulatory authorities. |
| `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. |
| `BE07` | `debtor_address_invalid` | Specification of debtor's address, which is required for payment, is missing, invalid, or not complete. |
| `MS03` | `per_agent_request` | Possible reasons including, but not limited to:
- wire transactions related to prohibited countries or prohibited parties
- invalid formatting
Contact Lead's wire team if you have further questions. |
| `NARR` | `narrative` | Reason is provided as narrative information in the additional reason information. |
| - | `aggregate_limit_exceeded` | The wire transaction exceeds your set aggregate daily or monthly limits. |