Payment Status Reason Codes
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When TxB provides a payment status, we may optionally describe the reason using the below codes:
Reason code | Description |
|---|---|
Status: PENDING, ISO Code: PDNG | |
| NARR | Narrative information from GS Bank |
Status: RELEASED, ISO Code: ACSP | |
| G000 | Payment passed to next GPI agent |
| G001 | Payment to non- GPI agent |
| G002 | Payment settlement may not complete today |
| G003 | Pending documentation |
| G004 | Pending funds |
| G006 | Delivered to beneficiary bank as non GPI |
| NARR | Check issued |
| NARR | Check voided |
| NARR | Check stopped |
Status: REJECTED, ISO Code: RJCT | |
| AC01 | Account number is invalid or missing |
| AC04 | Account number specified has been closed on the bank of account's books |
| AC06 | Account specified is blocked, prohibiting posting of transactions against it |
| BE01 | Identification of end customer is not consistent with associated account number |
| NOAS | Failed to contact beneficiary |
| RR03 | Specification of the creditor’s name and/or address needed for regulatory requirements is insufficient or missing |
| RC01 | Bank identifier code specified in the message has an incorrect format |
| G004 | Missing cover |
| RC08 | Routing code not valid for local clearing |
| FOCR | Return following a cancellation request |
| DUPL | Payment is a duplicate of another payment |
| RR05 | Regulatory or central bank reporting information missing, incomplete or invalid |
| CUST | At request of originator |
| MS03 | Reason has not been specified by agent |
| FF07 | Purpose of payment is missing or invalid |
| RR06 | Tax information is missing, incomplete or invalid |
| BE04 | Creditor Address must be present |
| RC02 | Invalid Bank Identifier populated |
| AC03 | Creditor Account Number is invalid/ missing |
| RC04 | Bene Bank BIC must be present |
| RR04 | Regulatory reason |
| AM11 | Transaction currency is invalid or missing |
| CH20 | Number of decimal points not compatible with the currency |
| AM06 | Specified transaction amount is less than agreed minimum |
| AM14 | Transaction amount exceeds limits agreed between bank and client |
| CH04 | Value in Requested Execution Date or Requested Collection Date is too far in the past |
| RC10 | Creditor ClearingSystemMember identifier is invalid or missing |
| RC09 | Debtor ClearingSystemMember identifier is invalid or missing |
| AC02 | Narrative information from GS Bank |
| RR04 | Regulatory reason |
| DU04 | Payment End to End ID/Collection End to End ID is not unique |
| AC07 | Creditor account number closed |
| AM07 | Amount specified in message has been blocked by regulatory authorities |
| MD07 | End customer is deceased |
| BE06 | End customer specified is not known at associated Sort/National Bank Code or does no longer exist in the books |
| CURR | Currency of the payment is incorrect |
| MS02 | Reason has not been specified by end customer |
| AG01 | Transaction forbidden on this type of account |
| SL01 | Due to specific service offered by the Debtor Agent |
| AC15 | The account details for the counterparty have changed |
| NOCM | Customer 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. |
| BE01 | Identification of end customer is not consistent with associated account number |
| RR01 | Specification of the debtor’s account or unique identification needed for reasons of regulatory requirements is insufficient or missing |
| CNOR | Creditor bank is not registered under this BIC in the CSM |
| AM05 | Duplicate payment |
| MD16 | Cancellation/amendment is requested by the debtor |
| MD17 | Cancellation/amendment is requested by the creditor |
| AG10 | Agent of message is suspended from the payment system |
| AB07 | Agent of message is not online |
| AB06 | Transaction stopped due to timeout at the Instructed Agent |
| AM23 | Transaction amount exceeds settlement limit |
| AG11 | Creditor Agent of message is suspended from the payment system |
| MODT | The underlying transaction was modified |
| NARR | Token Expired |
| NARR | Virtual card payment has been returned |
| NARR | Check print failed |
| NARR | Check canceled |
Status: CANCELED, ISO Code: RJCT | |
| CUST | At request of originator |
Status: RETURNED, ISO Code: RJCT | |
| R01 | Insufficient Funds |
| R02 | Account Closed |
| R03 | No Account/ Unable to Locate Account |
| R04 | Invalid Account Number Structure |
| R05 | Unauthorized Debit to Consumer Account Using Corporate SEC Code |
| R06 | Returned per ODFI’s Request |
| R07 | Authorization Revoked by Customer |
| R08 | Payment Stopped |
| R09 | Uncollected Funds |
| R10 | Customer 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 |
| R11 | Check Truncation Entry ReturnCustomer Advises Entry Not in Accordance with the Terms of the Authorization |
| R12 | Account Sold to Another DFI |
| R13 | Invalid ACH Routing Number |
| R14 | Representative Payee Deceased or Unable to Continue in That Capacity |
| R15 | Beneficiary or Account Holder (Other Than a Representative Payee) Deceased |
| R16 | Account Frozen/Entry Returned Per OFAC Instruction |
| R17 | File Record Edit Criteria/Entry with Invalid Account Number Initiated Under Questionable Circumstances |
| R18 | Improper Effective Entry Date |
| R19 | Amount Field Error |
| R20 | Non-Transaction Account |
| R21 | Invalid Company Identification |
| R22 | Invalid Individual ID Number |
| R23 | Credit Entry Refused by Receiver |
| R24 | Duplicate Entry |
| R25 | Addenda Error |
| R26 | Mandatory Field Error |
| R27 | Trace Number Error |
| R28 | Routing Number Check Digit Error |
| R29 | Corporate Customer Advises Not Authorized |
| R30 | RDFI Not Participant in Check Truncation Program |
| R31 | Permissible Return Entry (CCD and CTX only) |
| R32 | RDFI Non-Settlement |
| R33 | Return of XCK Entry |
| R34 | Limited Participation DFI |
| R35 | Return of Improper Debit Entry |
| R36 | Return of Improper Credit Entry |
| R37 | Source Document Presented for Payment |
| R38 | Stop Payment on Source Document |
| R39 | Improper Source Document/Source Document Presented for Payment |
| R40 | Return of ENR Entry by Federal Government Agency |
| R41 | Invalid Transaction Code |
| R42 | Routing Number/Check Digit Error |
| R43 | Invalid DFI Account Number |
| R44 | Invalid Individual ID Number/Identification Number |
| R45 | Invalid Individual Name/Company Name |
| R46 | Invalid Representative Payee Indicator |
| R47 | Duplicate Enrollment |
| R50 | State Law Affecting RCK Acceptance |
| R51 | Item Related to RCK Entry Is Ineligible or RCK Entry Is Improper. |
| R52 | Stop Payment on Item Related to RCK Entry |
| R53 | Item and RCK Entry Presented for Payment |
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