Payment Return Codes

Codes that can be used in Instruction for Debtor Agent tag (pain.001.001.09) to initiate return payment.

Faster Payment Return Codes

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

Group Payment Return Codes

CODE	DESCRIPTION
AC01	​Incorrect Account Number
AC04	Closed Account Number
AC06	Blocked Account
AG01	Transaction Forbidden
AM03	Not Allowed Currency
AM05	Duplication
MS02	Not Specified Reason Customer Generated
RR04	Regulatory Reason

SEPA Credit Transfer Payment Return Codes

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

SEPA Instant Credit Transfer Payment Return Codes

CODE	DESCRIPTION
FOCR	Following Cancellation Request
AB05	Clearing process aborted due to timeout at the Beneficiary 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
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
DNOR	Debtor bank is not registered. Originator bank is not registered under this BIC in the CSM
MD07	End Customer Deceased
MS02	Not Specified Reason Customer Generated
MS03	Not Specified Reason Agent Generated
RC01	Bank Identifier Incorrect
RR01	Missing Debtor Account Or Identification
RR02	Missing Debtor Name or Address
RR03	Missing Creditor Name or Address
RR04	Regulatory Reason
TM01	Invalid Cut Off Time. Rejected by the CSM to Creditor Bank upon Timeout condition