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Payment Status Reason Codes

When TxB provides a payment status, we may optionally describe the reason using the below codes:

Status: PENDING, ISO Code: PDNG

Reason CodeDescription
NARRNarrative information from GS Bank

Status: RELEASED, ISO Code: ACSP

Reason CodeDescription
G000Payment passed to next GPI agent
G001Payment to non-GPI agent
G002Payment settlement may not complete today
G003Pending documentation
G004Pending funds
G006Delivered to beneficiary bank as non GPI
NARRCheck issued
NARRCheck voided
NARRCheck stopped

Status: REJECTED, ISO Code: RJCT

Reason CodeDescription
AC01Account number is invalid or missing
AC04Account number specified has been closed on the bank of account's books
AC06Account specified is blocked, prohibiting posting of transactions against it
BE01Identification of end customer is not consistent with associated account number
NOASFailed to contact beneficiary
RR03Specification of the creditor's name and/or address needed for regulatory requirements is insufficient or missing
RC01Bank identifier code specified in the message has an incorrect format
G004Missing cover
RC08Routing code not valid for local clearing
FOCRReturn following a cancellation request
DUPLPayment is a duplicate of another payment
RR05Regulatory or central bank reporting information missing, incomplete or invalid
CUSTAt request of originator
MS03Reason has not been specified by agent
FF07Purpose of payment is missing or invalid
RR06Tax information is missing, incomplete or invalid
BE04Creditor Address must be present
RC02Invalid Bank Identifier populated
AC03Creditor Account Number is invalid/missing
RC04Bene Bank BIC must be present
RR04Regulatory reason
AM11Transaction currency is invalid or missing
CH20Number of decimal points not compatible with the currency
AM06Specified transaction amount is less than agreed minimum
AM14Transaction amount exceeds limits agreed between bank and client
CH04Value in Requested Execution Date or Requested Collection Date is too far in the past
RC10Creditor ClearingSystemMember identifier is invalid or missing
RC09Debtor ClearingSystemMember identifier is invalid or missing
AC02Narrative information from GS Bank
RR04Regulatory reason
DU04Payment End to End ID/Collection End to End ID is not unique
AC07Creditor account number closed
AM07Amount specified in message has been blocked by regulatory authorities
MD07End customer is deceased
BE06End customer specified is not known at associated Sort/National Bank Code or does no longer exist in the books
CURRCurrency of the payment is incorrect
MS02Reason has not been specified by end customer
AG01Transaction forbidden on this type of account
SL01Due to specific service offered by the Debtor Agent
AC15The account details for the counterparty have changed
NOCMCustomer 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.
BE01Identification of end customer is not consistent with associated account number
RR01Specification of the debtor's account or unique identification needed for reasons of regulatory requirements is insufficient or missing
CNORCreditor bank is not registered under this BIC in the CSM
AM05Duplicate payment
MD16Cancellation/amendment is requested by the debtor
MD17Cancellation/amendment is requested by the creditor
AG10Agent of message is suspended from the payment system
AB07Agent of message is not online
AB06Transaction stopped due to timeout at the Instructed Agent
AM23Transaction amount exceeds settlement limit
AG11Creditor Agent of message is suspended from the payment system
MODTThe underlying transaction was modified
NARRToken Expired
NARRVirtual card payment has been returned
NARRCheck print failed
NARRCheck canceled
AC11Creditor account currency is invalid or missing
AC13Debtor account type invalid
AC14Creditor account type invalid
AG03Transaction type not supported / authorized on this account
AM09Amount received is not the amount agreed or expected
AM12Amount is invalid or missing
BE07Specification of debtor's address which is required for payment is missing/not correct
BE10Debtor country code is missing or invalid
BE11Creditor country code is missing or invalid
BE16Debtor identification code missing or invalid
BE17Creditor identification code missing or invalid
DS24Request expired due to time-out
FF08End to End Id missing or invalid
NOATReceiving Customer Account does not support/accept this message type.
RC03Debtor FI identifier is invalid or missing
NARRPayment rejected

Status: CANCELED, ISO Code: RJCT

Reason CodeDescription
CUSTAt request of originator

Status: RETURNED, ISO Code: RJCT

Return Reason Codes applicable for US ACH

Reason CodeDescription
R01Insufficient Funds
R02Account Closed
R03No Account/Unable to Locate Account
R04Invalid Account Number Structure
R05Unauthorized Debit to Consumer Account Using Corporate SEC Code
R06Returned per ODFI's Request
R07Authorization Revoked by Customer
R08Payment Stopped
R09Uncollected Funds
R10Customer Advises Unauthorized, Improper, Ineligible, or Part of an Incomplete Transaction - Customer Advises Originator is Not Known to Receiver and/or Originator is Not Authorized by Receiver to Debit Receiver's Account
R11Check Truncation Entry Return - Customer Advises Entry Not in Accordance with the Terms of the Authorization
R12Account Sold to Another DFI
R13Invalid ACH Routing Number
R14Representative Payee Deceased or Unable to Continue in That Capacity
R15Beneficiary or Account Holder (Other Than a Representative Payee) Deceased
R16Account Frozen/Entry Returned Per OFAC Instruction
R17File Record Edit Criteria/Entry with Invalid Account Number Initiated Under Questionable Circumstances
R18Improper Effective Entry Date
R19Amount Field Error
R20Non-Transaction Account
R21Invalid Company Identification
R22Invalid Individual ID Number
R23Credit Entry Refused by Receiver
R24Duplicate Entry
R25Addenda Error
R26Mandatory Field Error
R27Trace Number Error
R28Routing Number Check Digit Error
R29Corporate Customer Advises Not Authorized
R30RDFI Not Participant in Check Truncation Program
R31Permissible Return Entry (CCD and CTX only)
R32RDFI Non-Settlement
R33Return of XCK Entry
R34Limited Participation DFI
R35Return of Improper Debit Entry
R36Return of Improper Credit Entry
R37Source Document Presented for Payment
R38Stop Payment on Source Document
R39Improper Source Document/Source Document Presented for Payment
R40Return of ENR Entry by Federal Government Agency
R41Invalid Transaction Code
R42Routing Number/Check Digit Error
R43Invalid DFI Account Number
R44Invalid Individual ID Number/Identification Number
R45Invalid Individual Name/Company Name
R46Invalid Representative Payee Indicator
R47Duplicate Enrollment
R50State Law Affecting RCK Acceptance
R51Item Related to RCK Entry Is Ineligible or RCK Entry Is Improper.
R52Stop Payment on Item Related to RCK Entry
R53Item and RCK Entry Presented for Payment

Return Reason Codes applicable for ISO rails

Reason CodeDescription
AC01Account number is invalid or missing
AC04Account number specified has been closed on the bank of account's books
AC06Account specified is blocked, prohibiting posting of transactions against it
BE01Identification of end customer is not consistent with associated account number
NOASFailed to contact beneficiary
RR03Specification of the creditor's name and/or address needed for regulatory requirements is insufficient or missing
RC01Bank identifier code specified in the message has an incorrect format
G004Missing cover
RC08Routing code not valid for local clearing
FOCRReturn following a cancellation request
DUPLPayment is a duplicate of another payment
RR05Regulatory or central bank reporting information missing, incomplete or invalid
CUSTAt request of originator
MS03Reason has not been specified by agent
FF07Purpose of payment is missing or invalid
RR06Tax information is missing, incomplete or invalid
BE04Creditor Address must be present
RC02Invalid Bank Identifier populated
AC03Creditor Account Number is invalid/missing
RC04Bene Bank BIC must be present
RR04Regulatory reason
AM11Transaction currency is invalid or missing
CH20Number of decimal points not compatible with the currency
AM06Specified transaction amount is less than agreed minimum
AM14Transaction amount exceeds limits agreed between bank and client
CH04Value in Requested Execution Date or Requested Collection Date is too far in the past
RC10Creditor ClearingSystemMember identifier is invalid or missing
RC09Debtor ClearingSystemMember identifier is invalid or missing
AC02Narrative information from GS Bank
RR04Regulatory reason
DU04Payment End to End ID/Collection End to End ID is not unique
AC07Creditor account number closed
AM07Amount specified in message has been blocked by regulatory authorities
MD07End customer is deceased
BE06End customer specified is not known at associated Sort/National Bank Code or does no longer exist in the books
CURRCurrency of the payment is incorrect
MS02Reason has not been specified by end customer
AG01Transaction forbidden on this type of account
SL01Due to specific service offered by the Debtor Agent
AC15The account details for the counterparty have changed
NOCMCustomer 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.
BE01Identification of end customer is not consistent with associated account number
RR01Specification of the debtor's account or unique identification needed for reasons of regulatory requirements is insufficient or missing
CNORCreditor bank is not registered under this BIC in the CSM
AM05Duplicate payment
MD16Cancellation/amendment is requested by the debtor
MD17Cancellation/amendment is requested by the creditor
AG10Agent of message is suspended from the payment system
AB07Agent of message is not online
AB06Transaction stopped due to timeout at the Instructed Agent
AM23Transaction amount exceeds settlement limit
AG11Creditor Agent of message is suspended from the payment system
MODTThe underlying transaction was modified
NARRToken Expired
NARRVirtual card payment has been returned
NARRCheck print failed
NARRCheck canceled
AC11Creditor account currency is invalid or missing
AC13Debtor account type invalid
AC14Creditor account type invalid
AG03Transaction type not supported / authorized on this account
AM09Amount received is not the amount agreed or expected
AM12Amount is invalid or missing
BE07Specification of debtor's address which is required for payment is missing/not correct
BE10Debtor country code is missing or invalid
BE11Creditor country code is missing or invalid
BE16Debtor identification code missing or invalid
BE17Creditor identification code missing or invalid
DS24Request expired due to time-out
FF08End to End Id missing or invalid
NOATReceiving Customer Account does not support/accept this message type.
RC03Debtor FI identifier is invalid or missing
NARRPayment returned

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