Why a payment was rejected, returned or refused. The family prefix (AC/AM/AG/RR/MD) tells you where the problem lives.
Open in the interactive Academy →Carried in: Rsn/Cd — in reject, return, status and cancellation messages
A common selection of the External Status/Return/Cancellation reason sets. The full lists are larger and updated quarterly.
| Code | Name | Meaning |
|---|---|---|
AC01 | IncorrectAccountNumber | The account number is invalid or malformed. |
AC03 | InvalidCreditorAccountNumber | The creditor account number is invalid. |
AC04 | ClosedAccountNumber | The account is closed. Terminal — no retry will succeed. |
AC06 | BlockedAccount | The account is blocked; posting is not allowed. |
AG01 | TransactionForbidden | This transaction type is not allowed for the agent. |
AG02 | InvalidBankOperationCode | The bank operation / transaction code is invalid. |
AM04 | InsufficientFunds | Not enough money on the account to make the payment. |
AM05 | Duplication | Duplicate payment — do not blindly retry, it may already exist. |
AM09 | WrongAmount | The amount is not the amount that was agreed or expected. |
BE01 | InconsistentWithEndCustomer | Debtor/creditor details are inconsistent with the end customer. |
BE04 | MissingCreditorAddress | The creditor address is missing or incomplete. |
BE06 | UnknownEndCustomer | The end customer is not known to the bank. |
DT01 | InvalidDate | A date (e.g. requested execution/settlement) is invalid. |
FF01 | InvalidFileFormat | The file or message format is not valid. |
MD01 | NoMandate | No valid mandate exists for the direct debit. |
MD07 | EndCustomerDeceased | The debtor is deceased. |
RC01 | BankIdentifierIncorrect | The BIC / bank identifier is incorrect. |
RR01 | MissingDebtorAccountOrId | Regulatory: debtor account or identification is missing. |
RR03 | MissingCreditorNameOrAddress | Regulatory: creditor name or address is missing. |
RR04 | RegulatoryReason | Held or rejected for a regulatory/compliance reason. Slow to resolve. |
TM01 | CutOffTime | Received after the cut-off time for the requested settlement. |
NOOR | NoOriginalTransaction | No original transaction found (e.g. for a return) / not our customer. |
NARR | Narrative | Reason given as free text — the escape hatch. A smell when a real code existed. |
DUPL | DuplicatePayment | Cancellation: a duplicate payment was sent. |
FRAD | FraudulentOrigin | Cancellation: fraud suspected — freeze and return. |
TECH | TechnicalProblem | Cancellation: a technical error in the original instruction. |
CUST | RequestedByCustomer | Cancellation: the customer requested it. |
AGNT | IncorrectAgent | Cancellation: wrong agent / routing error. |
UPAY | UnduePayment | Cancellation: the payment should not have been made. |