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    • 💰Account Information Services
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    • 💸Payment Initiation Services
      • Pain.001.001.09
      • Pain.002.001.10
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        • pain.001.001.03 format
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  • 🗓️Reference
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      • Balance Type Codes
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  • Faster Payment Reject Codes
  • SEPA Instant Credit Transfer Payment Reject Codes

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  1. Reference
  2. Code Reference Tables

Payment Reject Codes

Codes sent in Transaction-level AddtlInf tag (pain.002.001.10) when payment has been rejected by the scheme or counterparty.

Faster Payment Reject Codes

CODE
DESCRIPTION

1100

For business reasons only

1114

Creditor Sort Code/account number unknown

1160

Creditor account closed

1161

Creditor account stopped

1162

Creditor account name does not match creditor account number

1163

Account cannot be identified without data in Reference Information field

1164

Reference Information is incorrect

1165

Account is not in currency quoted

1166

Account transferred

1167

Creditor deceased

1168

Sending FPS Institution action required

1169

Payment cannot be applied because of Creditor sensitivities – e.g. possible bankruptcy

1170

Terms and Conditions of Account do not permit crediting of these funds

1171

Creditor account name not present

1172

Funds not available

1173

Sending Agency Sort Code/account number unknown

1174

Sending Agency account closed

1175

Sending Agency account stopped

1176

Receiving Agency Sort Code/account number unknown

1177

Receiving Agency account closed

1178

Receiving Agency account topped

1179

Sending Agency account transferred

1180

Receiving Agency/responding Third Party Creditor account transferred

1181

Duplicate FPID - with one exception, the Central Infrastructure passes all Participant rejection codes, including those reserved for future use, to the Sending Financial Institution. The one exception is rejection code 1181, Duplicate FPID for Standing Orders, which the Central Infrastructure processes and does not pass back to the Sending Financial Institution. This exception will be extended to other Payment Types, however is not scheduled at this time.

1909

System Malfunction: must only be used if Direct Receiver can receive the payment but because of system failure cannot send a qualified response and process it later.

1930

Syntax error; use syntax error field 044 to indicate the first field in error. May be used to indicate that the format of the field is incorrect or that a field is missing.

4021

Authorisation / payment request timed out

4400

Payment rejected by Direct Receiver, or Direct Receiver is unable to accept payment, or Direct Receiver times out receiving payment

9902

Transaction invalid - generic error code. Message may still be accepted by FPS, customer should NOT resubmit transaction.

9905

Switch does not support Direct Sender.

9908

CI cannot determine route for payment.

9909

FPS systems currently down. Message may still be accepted by FPS, customer should NOT resubmit transaction.

9910

Direct receiver’s system not logged on.

9911

Direct Receiver’s system timed out.

9912

Direct Receiver’s system not available.

9913

Duplicate transaction.

9930

Syntax error. Includes FPID field data checks for invalid currency code, invalid date sent, invalid payment type code - the payment should be checked for invalid content. Once corrected, the payment may be retried on behalf of the customer.

9931

Receiving member has not authorised credit.

9932

Sending member has not authorised debit.

9933

Submitting participant Suspended for debits.

9934

Submitting participant’s system not logged on (on payments submitted by an agency).

9935

Submitting participant’s system timed out (on payments submitted by an agency).

9936

Submitting participant’s system not available (on payments submitted by an agency).

9940

Payment exceeds settlement individual amount limit.

9941

Payment exceeds security transaction limit.

9942

Payment would cause settlement risk position to breach net sender cap.

9943

Receiving participant suspended for credits.

9944

Service suspended - payment failed but it may be treated as a soft failure allowing the payment to be retried one the FPS service is unsuspended.

9945

Service suspended - payment failed but it may be treated as a soft failure allowing the payment to be retried one the FPS service is unsuspended.

9950

Illegal Sort Code for Sender..

SEPA Instant Credit Transfer Payment Reject Codes

CODE
DESCRIPTION

AB05

Clearing process aborted due to timeout at the Creditor PSP (Creditor Agent)

AB06

Clearing process aborted due to timeout at Intermediary PSP or CSM (the Instructed Agent). Rejected by the CSM to Originator Bank upon Timeout condition

AB07

Agent of message is not online / available. Generic usage if it cannot be determined who exactly is unavailable

AB08

Creditor PSP (Creditor Agent) is not online / available

AB09

Clearing process aborted due to error at the Creditor PSP (Creditor Agent)

AB10

Clearing process aborted due to error at the Intermediary PSP or CSM (the Instructed Agent)

AC01

Incorrect Account Number

AC04

Closed Account Number

AC06

Blocked Account

AG01

Transaction Forbidden

AG02

Invalid Bank Operation Code

AG09

Original payment never received

AG10

Agent of message is suspended from the Real-time Payment system. Generic usage if it cannot be determined who exactly is suspended

AG11

Creditor PSP (Creditor Agent) of message is suspended from the Real-time Payment system

AM02

Not Allowed Amount

AM05

Duplication

AM23

Transaction amount exceeds settlement limit

BE04

Missing Creditor Address

CNOR

Creditor bank is not registered. Creditor bank is not registered under this BIC in the CSM

DNOR

Debtor bank is not registered. Originator bank is not registered under this BIC in the CSM

DT01

Invalid Date

MD07

End Customer Deceased

MS01

Reason not specified

MS02

Not Specified Reason Customer Generated

MS03

Not Specified Reason Agent Generated

PY01

Unknown BIC in routing table

RC01

Bank Identifier Incorrect

RR01

Missing Debtor Account Or Identification

RR02

Missing Debtors Name Or Address

RR03

Missing Creditors Name Or Address

RR04

Regulatory Reason

TBL1

The owner of the debtor account or the debtor account/CMB is blocked

TBL2

The owner of the creditor account or the creditor account/CMB is blocked

TECH

Technical Problem

TM01

Invalid Cut Off Time. Rejected by the CSM to Creditor Bank upon Timeout condition

XD19

Invalid IBAN format

XD20

Invalid Account Number

XD21

Invalid Account Owner

XD22

Invalid settlement method for either Debtor Agent or Creditor Agent

XT04

Insufficient liquidity for processing the transaction on the System

XT06

Invalid AccptTime, Rejected by the CSM to Originator Bank upon exceeding tolerance period for the Acceptance Date&Time

XT10

Transaction inflight

XT13

Unsupported XML field

XT33

Invalid country code

XT73

Invalid data format

XT75

Invalid original transaction status, action not required

XT77

Original Amount mismatch

XT79

The Debtor Agent is not allowed to send SCT Inst transactions (pacs.008) and consequently to send Investigation (pacs.028) and Recalls (camt.056). It is also not allowed to receive NRR and PRR

XT80

The Creditor Agent is not allowed to receive SCT Inst transactions (pacs.008) and consequently to receive Investigation (pacs.028) and Recalls (camt.056). It is also not allowed to send NRR and PRR

XT81

Field not Permitted in SCT Inst Service

XT83

Sender and/or Receiver Participants not configured for CUG/AOS usage

XT87

Inconsistent Instructing Agent

XT90

Invalid use of a Technical BIC

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