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