Format of the account number specified is not correct.
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.
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.
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.
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 (formerly CreditorConsistency).
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
Authorisation is cancelled.
Creditor bank is not registered under this BIC in the CSM.
Currency of the payment is incorrect.
Cancellation requested by the Debtor.
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)
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.
Local Instrument code is missing or invalid.
Return following a cancellation request.
Returned as a result of fraud.
Final response/tracking is recalled as mandate is cancelled.
Mandate related information data required by the scheme is missing.
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).
Incorrect BIC of the beneficiary Bank in the SCTR.
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.
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.