ExternalReturnReason1Code: Return Reason Codes

Codes

• AC01Incorrect Account NumberFormat of the account number specified is not correct
• AC02Invalid Debtor Account NumberDebtor account number invalid or missing.
• AC03Invalid Creditor Account NumberWrong IBAN in SCT
• AC04Closed Account NumberAccount number specified has been closed on the bank of account's books
• AC06Blocked AccountAccount specified is blocked, prohibiting posting of transactions against it.
• AC07Closed Creditor Account NumberCreditor account number closed.
• AC13Invalid Debtor Account TypeDebtor account type is missing or invalid
• AC14Invalid AgentAn agent in the payment chain is invalid.
• AC15Account Details ChangedAccount details have changed.
• AC16Account In SequestrationAccount is in sequestration.
• AC17Account In LiquidationAccount is in liquidation.
• AG01Transaction ForbiddenTransaction forbidden on this type of account (formerly NoAgreement)
• AG02Invalid Bank Operation CodeBank Operation code specified in the message is not valid for receiver
• AG07Unsuccesful Direct DebitDebtor account cannot be debited for a generic reason.
• AGNTIncorrect AgentAgent in the payment workflow is incorrect.
• AM01Zero AmountSpecified message amount is equal to zero
• AM02Not Allowed AmountSpecific transaction/message amount is greater than allowed maximum
• AM03Not Allowed CurrencySpecified message amount is an non processable currency outside of existing agreement
• AM04Insufficient FundsAmount of funds available to cover specified message amount is insufficient.
• AM05DuplicationDuplication
• AM06Too Low AmountSpecified transaction amount is less than agreed minimum.
• AM07Blocked AmountAmount specified in message has been blocked by regulatory authorities.
• AM09Wrong AmountAmount received is not the amount agreed or expected
• AM10Invalid Control SumSum of instructed amounts does not equal the control sum.
• ARDTAlready Returned TransactionAlready returned original SCT
• BE01Inconsistent With End CustomerIdentification of end customer is not consistent with associated account number, organisation ID or private ID.
• BE04Missing Creditor AddressSpecification of creditor's address, which is required for payment, is missing/not correct (formerly IncorrectCreditorAddress).
• BE05Unrecognised Initiating PartyParty who initiated the message is not recognised by the end customer
• BE06Unknown End CustomerEnd customer specified is not known at associated Sort/National Bank Code or does no longer exist in the books
• BE07Missing Debtor AddressSpecification of debtor's address, which is required for payment, is missing/not correct.
• BE08Bank ErrorReturned as a result of a bank error.
• BE10Invalid Debtor CountryDebtor country code is missing or invalid.
• BE11Invalid Creditor CountryCreditor country code is missing or invalid.
• BE16Invalid Debtor Identification CodeDebtor or Ultimate Debtor identification code missing or invalid.
• BE17Invalid Creditor Identification CodeCreditor or Ultimate Creditor identification code missing or invalid.
• CN01Authorisation CancelledAuthorisation is cancelled.
• CNORCreditor Bank Is Not RegisteredCreditor bank is not registered under this BIC in the CSM
• CNPCCash Not Picked UpCash not picked up by Creditor or cash could not be delivered to Creditor
• CURRIncorrect CurrencyCurrency of the payment is incorrect
• CUSTRequested By CustomerCancellation requested by the Debtor
• DC04No Customer Credit Transfer ReceivedReturn of Covering Settlement due to the underlying Credit Transfer details not being received.
• DNORDebtor Bank Is Not RegisteredDebtor bank is not registered under this BIC in the CSM
• DS28Return For Technical ReasonReturn following technical problems resulting in erroneous transaction.
• DT01Invalid DateInvalid date (eg, wrong settlement date)
• DT02Cheque ExpiredCheque has been issued but not deposited and is considered expired.
• DT04Future Date Not SupportedFuture date not supported.
• DUPLDuplicate PaymentPayment is a duplicate of another payment.
• ED01Correspondent Bank Not PossibleCorrespondent bank not possible.
• ED03Balance Info RequestBalance of payments complementary info is requested
• ED05Settlement FailedSettlement of the transaction has failed.
• EMVLEMV Liability ShiftThe card payment is fraudulent and was not processed with EMV technology for an EMV card.
• ERINERI Option Not SupportedThe Extended Remittance Information (ERI) option is not supported.
• FF03Invalid Payment Type InformationPayment Type Information is missing or invalid.
• FF04Invalid Service Level CodeService Level code is missing or invalid.
• FF05Invalid Local Instrument CodeLocal Instrument code is missing or invalid
• FF06Invalid Category Purpose CodeCategory Purpose code is missing or invalid.
• FF07Invalid PurposePurpose is missing or invalid.
• FOCRFollowing Cancellation RequestReturn following a cancellation request
• FR01FraudReturned as a result of fraud.
• FRTRFinal Response Mandate CancelledFinal response/tracking is recalled as mandate is cancelled.
• G004Credit Pending FundsIn a FIToFI Customer Credit Transfer: Credit to the creditor’s account is pending, status Originator is waiting for funds provided via a cover. Update will follow from the Status Originator.
• MD01No MandateNo Mandate
• MD02Missing Mandatory Information In MandateMandate related information data required by the scheme is missing.
• MD05Collection Not DueCreditor or creditor's agent should not have collected the direct debit.
• MD06Refund Request By End CustomerReturn of funds requested by end customer
• MD07End Customer DeceasedEnd customer is deceased.
• MS02Not Specified Reason Customer GeneratedReason has not been specified by end customer
• MS03Not Specified Reason Agent GeneratedReason has not been specified by agent.
• NARRNarrativeReason is provided as narrative information in the additional reason information.
• NOASNo Answer From CustomerNo response from Beneficiary
• NOCMNot CompliantCustomer account is not compliant with regulatory requirements, for example FICA (in South Africa) or any other regulatory requirements which render an account inactive for certain processing.
• NOORNo Original Transaction ReceivedOriginal SCT never received
• PINLPIN Liability ShiftThe card payment is fraudulent (lost and stolen fraud) and was processed as EMV transaction without PIN verification.
• RC01Bank Identifier IncorrectBank Identifier code specified in the message has an incorrect format (formerly IncorrectFormatForRoutingCode).
• RC03Invalid Debtor Bank IdentifierDebtor bank identifier is invalid or missing.
• RC04Invalid Creditor Bank IdentifierCreditor bank identifier is invalid or missing.
• RC07Invalid Creditor BIC IdentifierIncorrrect BIC of the beneficiary Bank in the SCTR
• RC08Invalid Clearing System Member IdentifierClearingSystemMemberidentifier is invalid or missing.
• RC11Invalid Intermediary AgentIntermediary Agent is invalid or missing.
• RF01Not Unique Transaction ReferenceTransaction reference is not unique within the message.
• RR01Missing Debtor Account Or IdentificationSpecification of the debtor’s account or unique identification needed for reasons of regulatory requirements is insufficient or missing
• RR02Missing Debtor Name Or AddressSpecification of the debtor’s name and/or address needed for regulatory requirements is insufficient or missing.
• RR03Missing Creditor Name Or AddressSpecification of the creditor’s name and/or address needed for regulatory requirements is insufficient or missing.
• RR04Regulatory ReasonRegulatory Reason
• RR05Regulatory Information InvalidRegulatory or Central Bank Reporting information missing, incomplete or invalid.
• RR06Tax Information InvalidTax information missing, incomplete or invalid.
• RR07Remittance Information InvalidRemittance information structure does not comply with rules for payment type.
• RR08Remittance Information TruncatedRemittance information truncated to comply with rules for payment type.
• RR09Invalid Structured Creditor ReferenceStructured creditor reference invalid or missing.
• RR11Invalid Debtor Agent Service IdentificationInvalid or missing identification of a bank proprietary service.
• RR12Invalid Party IdentificationInvalid or missing identification required within a particular country or payment type.
• RUTAReturn Upon Unable To ApplyReturn following investigation request and no remediation possible.
• SL01Specific Service Offered By Debtor AgentDue to specific service offered by the Debtor Agent
• SL02Specific Service Offered By Creditor AgentDue to specific service offered by the Creditor Agent
• SL11Creditor Not On Whitelist Of DebtorWhitelisting service offered by the Debtor Agent; Debtor has not included the Creditor on its “Whitelist” (yet). In the Whitelist the Debtor may list all allowed Creditors to debit Debtor bank account.
• SL12Creditor On Blacklist Of DebtorBlacklisting service offered by the Debtor Agent; Debtor included the Creditor on his “Blacklist”. In the Blacklist the Debtor may list all Creditors not allowed to debit Debtor bank account.
• SL13Maximum Number Of Direct Debit Transactions ExceededDue to Maximum allowed Direct Debit Transactions per period service offered by the Debtor Agent.
• SL14Maximum Direct Debit Transaction Amount ExceededDue to Maximum allowed Direct Debit Transaction amount service offered by the Debtor Agent.
• SP01Payment StoppedPayment is stopped by account holder.
• SP02Previously StoppedPreviously stopped by means of a stop payment advise.
• SVNRService Not RenderedThe card payment is returned since a cash amount rendered was not correct or goods or a service was not rendered to the customer, e.g. in an e-commerce situation.
• TM01Cut Off TimeAssociated message was received after agreed processing cut-off time.
• TRACRemoved From TrackingReturn following direct debit being removed from tracking process.
• UPAYUndue PaymentPayment is not justified.