# Payment Return Codes

## Faster Payment Return Codes

<table><thead><tr><th width="144.55859375">CODE</th><th>DESCRIPTION</th></tr></thead><tbody><tr><td>00000001</td><td>Creditor sort code/account number unknown</td></tr><tr><td>00000002</td><td>Creditor account closed</td></tr><tr><td>00000003</td><td>Creditor account stopped</td></tr><tr><td>00000004</td><td>Creditor deceased</td></tr><tr><td>00000005</td><td>Account cannot be identified without data in reference field</td></tr><tr><td>00000006</td><td>Creditor account name does not match creditor account number</td></tr><tr><td>00000007</td><td>Return requested by sender of original payment</td></tr><tr><td>00000008</td><td>Account is not in currency quoted (Not supported when using FPS Indirect via Starling)</td></tr><tr><td>00000009</td><td>Creditor not expecting funds/instructed return</td></tr><tr><td>00000010</td><td>Terms and conditions of account do not permit crediting of these funds</td></tr><tr><td>00000011</td><td>Sending institution action required</td></tr><tr><td>00000012</td><td>Account Transferred</td></tr><tr><td>00000013</td><td>Payment cannot be applied because of Creditor sensitivities – e.g. possible bankruptcy</td></tr><tr><td>00000014</td><td>Reason not given</td></tr></tbody></table>

## Group Payment Return Codes

<table><thead><tr><th width="145.84033203125">CODE</th><th>DESCRIPTION</th></tr></thead><tbody><tr><td>AC01</td><td>​Incorrect Account Number</td></tr><tr><td>AC04</td><td>Closed Account Number</td></tr><tr><td>AC06</td><td>Blocked Account</td></tr><tr><td>AG01</td><td>Transaction Forbidden</td></tr><tr><td>AM03</td><td>Not Allowed Currency</td></tr><tr><td>AM05</td><td>Duplication</td></tr><tr><td>MS02</td><td>Not Specified Reason Customer Generated</td></tr><tr><td>RR04</td><td>Regulatory Reason</td></tr></tbody></table>

## SEPA Credit Transfer Payment Return Codes

<table><thead><tr><th width="148.73089599609375">CODE</th><th>DESCRIPTION</th></tr></thead><tbody><tr><td>AC01</td><td>​Incorrect Account Number</td></tr><tr><td>AC04</td><td>Closed Account Number</td></tr><tr><td>AC06</td><td>Blocked Account</td></tr><tr><td>AG01</td><td>Transaction Forbidden</td></tr><tr><td>AG02</td><td>Invalid Bank Operation Code</td></tr><tr><td>AM05</td><td>Duplication</td></tr><tr><td>BE04</td><td>Missing Creditor Address</td></tr><tr><td>CNOR</td><td>Creditor Bank is not registered</td></tr><tr><td>ERIN</td><td>ERI Option Not Supported</td></tr><tr><td>MD07</td><td>End Customer Deceased</td></tr><tr><td>MS02</td><td>Not Specified Reason Customer Generated</td></tr><tr><td>MS03</td><td>Not Specified Reason Agent Generated</td></tr><tr><td>RC01</td><td>Bank Identifier Incorrect</td></tr><tr><td>RR01</td><td>Missing Debtor Account Or Identification</td></tr><tr><td>RR02</td><td>Missing Debtor Name or Address</td></tr><tr><td>RR03</td><td>Missing Creditor Name or Address</td></tr><tr><td>RR04</td><td>Regulatory Reason</td></tr><tr><td>FOCR</td><td>Following Cancellation Request</td></tr></tbody></table>

## SEPA Instant Credit Transfer Payment Return Codes

<table><thead><tr><th width="148.73089599609375">CODE</th><th>DESCRIPTION</th></tr></thead><tbody><tr><td>FOCR</td><td>Following Cancellation Request</td></tr><tr><td>AB05</td><td><p>Clearing process aborted due to timeout at the</p><p>Beneficiary PSP (Creditor Agent).</p></td></tr><tr><td>AB06</td><td>Clearing process aborted due to timeout at Intermediary PSP or CSM (the Instructed Agent). Rejected by the CSM to Originator Bank upon Timeout condition</td></tr><tr><td>AB07</td><td>Agent of message is not online / available. Generic usage if it cannot be determined who exactly is unavailable</td></tr><tr><td>AB08</td><td>Creditor PSP (Creditor Agent) is not online / available</td></tr><tr><td>AB09</td><td>Clearing process aborted due to error at the Creditor PSP (Creditor Agent)</td></tr><tr><td>AB10</td><td>Clearing process aborted due to error at the Intermediary PSP or CSM (the Instructed Agent)</td></tr><tr><td>AC01</td><td>​Incorrect Account Number</td></tr><tr><td>AC04</td><td>Closed Account Number</td></tr><tr><td>AC06</td><td>Blocked Account</td></tr><tr><td>AG01</td><td>Transaction Forbidden</td></tr><tr><td>AG02</td><td>Invalid Bank Operation Code</td></tr><tr><td>AG10</td><td>Agent of message is suspended from the Real-time Payment system. Generic usage if it cannot be determined who exactly is suspended</td></tr><tr><td>AG11</td><td>Creditor PSP (Creditor Agent) of message is suspended from the Real-time Payment system</td></tr><tr><td>AM02</td><td>Not Allowed Amount</td></tr><tr><td>AM05</td><td>Duplication</td></tr><tr><td>AM23</td><td>Transaction amount exceeds settlement limit</td></tr><tr><td>BE04</td><td>Missing Creditor Address</td></tr><tr><td>CNOR</td><td>Creditor Bank is not registered</td></tr><tr><td>DNOR</td><td>Debtor bank is not registered. Originator bank is not registered under this BIC in the CSM</td></tr><tr><td>MD07</td><td>End Customer Deceased</td></tr><tr><td>MS02</td><td>Not Specified Reason Customer Generated</td></tr><tr><td>MS03</td><td>Not Specified Reason Agent Generated</td></tr><tr><td>RC01</td><td>Bank Identifier Incorrect</td></tr><tr><td>RR01</td><td>Missing Debtor Account Or Identification</td></tr><tr><td>RR02</td><td>Missing Debtor Name or Address</td></tr><tr><td>RR03</td><td>Missing Creditor Name or Address</td></tr><tr><td>RR04</td><td>Regulatory Reason</td></tr><tr><td>TM01</td><td>Invalid Cut Off Time. Rejected by the CSM to Creditor Bank upon Timeout condition</td></tr></tbody></table>

## Bacs Credit Return Codes

<table><thead><tr><th width="152">CODE</th><th>DESCRIPTION</th></tr></thead><tbody><tr><td>B</td><td>Account closed</td></tr><tr><td>5</td><td>No account</td></tr><tr><td>2</td><td>Beneficiary deceased</td></tr><tr><td>C</td><td>Requested by originator</td></tr><tr><td>3</td><td>Account transferred</td></tr><tr><td>0</td><td>Refer to payer</td></tr></tbody></table>


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