Return reason codes

Format of the account number specified is not correct

Debtor account number invalid or missing.

Wrong IBAN in SCT

Account number specified has been closed on the bank of account's books

Account specified is blocked, prohibiting posting of transactions against it.

Creditor account number closed.

Debtor account type is missing or invalid

An agent in the payment chain is invalid.

Account details have changed.

Account is in sequestration.

Account is in liquidation.

Transaction forbidden on this type of account (formerly NoAgreement)

Bank Operation code specified in the message is not valid for receiver

Debtor account cannot be debited for a generic reason. Usage: Code value may be used in general purposes and as a replacement for AM04 if debtor bank does not reveal its customer's insufficient funds for privacy reasons.

Agent in the payment workflow is incorrect.

Specified message amount is equal to zero

Specific transaction/message amount is greater than allowed maximum

Specified message amount is an non processable currency outside of existing agreement

Amount of funds available to cover specified message amount is insufficient.

Duplication

Specified transaction amount is less than agreed minimum.

Amount specified in message has been blocked by regulatory authorities.

Amount received is not the amount agreed or expected

Sum of instructed amounts does not equal the control sum.

Already returned original SCT

Identification of end customer is not consistent with associated account number, organisation ID or private ID.

Specification of creditor's address, which is required for payment, is missing/not correct (formerly IncorrectCreditorAddress).

Party who initiated the message is not recognised by the end customer

End customer specified is not known at associated Sort/National Bank Code or does no longer exist in the books

Specification of debtor's address, which is required for payment, is missing/not correct.

Returned as a result of a bank error.

Debtor country code is missing or invalid.

Creditor country code is missing or invalid.

Debtor or Ultimate Debtor identification code missing or invalid.

Creditor or Ultimate Creditor identification code missing or invalid.

Authorisation is cancelled.

Creditor bank is not registered under this BIC in the CSM

Cash not picked up by Creditor or cash could not be delivered to Creditor

Currency of the payment is incorrect

Cancellation requested by the Debtor

Return of Covering Settlement due to the underlying Credit Transfer details not being received.

Debtor bank is not registered under this BIC in the CSM

Return following technical problems resulting in erroneous transaction.

Invalid date (eg, wrong settlement date)

Cheque has been issued but not deposited and is considered expired.

Future date not supported.

Payment is a duplicate of another payment.

Correspondent bank not possible.

Balance of payments complementary info is requested

Settlement of the transaction has failed.

The card payment is fraudulent and was not processed with EMV technology for an EMV card.

The Extended Remittance Information (ERI) option is not supported.

Payment Type Information is missing or invalid. Generic usage if cannot specify Service Level or Local Instrument code.

Service Level code is missing or invalid.

Local Instrument code is missing or invalid

Category Purpose code is missing or invalid.

Purpose is missing or invalid.

Return following a cancellation request

Returned as a result of fraud.

Final response/tracking is recalled as mandate is cancelled.

In 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.

No Mandate

Mandate related information data required by the scheme is missing.

Creditor or creditor's agent should not have collected the direct debit.

Return of funds requested by end customer

End customer is deceased.

Reason has not been specified by end customer

Reason has not been specified by agent.

Reason is provided as narrative information in the additional reason information.

No response from Beneficiary

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.

Original SCT never received

The card payment is fraudulent (lost and stolen fraud) and was processed as EMV transaction without PIN verification.

Bank Identifier code specified in the message has an incorrect format (formerly IncorrectFormatForRoutingCode).

Debtor bank identifier is invalid or missing.

Creditor bank identifier is invalid or missing.

Incorrrect BIC of the beneficiary Bank in the SCTR

ClearingSystemMemberidentifier is invalid or missing. Generic usage if cannot specify between debit or credit account.

Intermediary Agent is invalid or missing.

Transaction reference is not unique within the message.

Specification of the debtor’s account or unique identification needed for reasons of regulatory requirements is insufficient or missing

Specification of the debtor’s name and/or address needed for regulatory requirements is insufficient or missing.

Specification of the creditor’s name and/or address needed for regulatory requirements is insufficient or missing.

Regulatory Reason

Regulatory or Central Bank Reporting information missing, incomplete or invalid.

Tax information missing, incomplete or invalid.

Remittance information structure does not comply with rules for payment type.

Remittance information truncated to comply with rules for payment type.

Structured creditor reference invalid or missing.

Invalid or missing identification of a bank proprietary service.

Invalid or missing identification required within a particular country or payment type.

Return following investigation request and no remediation possible.

Due to specific service offered by the Debtor Agent

Due to specific service offered by the Creditor Agent

Whitelisting 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.

Blacklisting 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.

Due to Maximum allowed Direct Debit Transactions per period service offered by the Debtor Agent.

Due to Maximum allowed Direct Debit Transaction amount service offered by the Debtor Agent.

Payment is stopped by account holder.

Previously stopped by means of a stop payment advise.

The 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.

Associated message was received after agreed processing cut-off time.

Return following direct debit being removed from tracking process.

Payment is not justified.