Format of the account number specified is not correct.
AC03
InvalidCreditorAccountNumber
Wrong IBAN in SCT.
AC04
ClosedAccountNumber
Account number specified has been closed on the bank of account's books.
AC06
BlockedAccount
Account specified is blocked, prohibiting posting of transactions against it.
AC13
InvalidDebtorAccountType
Debtor account type is missing or invalid.
AC14
InvalidAgent
An agent in the payment chain is invalid.
AC15
AccountDetailsChanged
Account details have changed.
AC16
AccountInSequestration
Account is in sequestration.
AC17
AccountInLiquidation
Account is in liquidation.
AG01
TransactionForbidden
Transaction forbidden on this type of account (formerly NoAgreement).
AG02
InvalidBankOperationCode
Bank Operation code specified in the message is not valid for receiver.
AM01
ZeroAmount
Specified message amount is equal to zero.
AM02
NotAllowedAmount
Specific transaction/message amount is greater than allowed maximum.
AM03
NotAllowedCurrency
Specified message amount is an non processable currency outside of existing agreement.
AM04
InsufficientFunds
Amount of funds available to cover specified message amount is insufficient.
AM05
Duplication
Duplication.
AM06
TooLowAmount
Specified transaction amount is less than agreed minimum.
AM07
BlockedAmount
Amount specified in message has been blocked by regulatory authorities.
AM09
WrongAmount
Amount received is not the amount agreed or expected
AM10
InvalidControlSum
Sum of instructed amounts does not equal the control sum.
ARDT
AlreadyReturnedTransaction
Already returned original SCT.
BE01
InconsistentWithEndCustomer
Identification of end customer is not consistent with associated account number (formerly CreditorConsistency).
BE04
MissingCreditorAddress
Specification of creditor's address, which is required for payment, is missing/not correct (formerly IncorrectCreditorAddress).
BE05
UnrecognisedInitiatingParty
Party who initiated the message is not recognised by the end customer.
BE06
UnknownEndCustomer
End customer specified is not known at associated Sort/National Bank Code or does no longer exist in the books.
BE07
MissingDebtorAddress
Specification of debtor's address, which is required for payment, is missing/not correct.
BE08
BankError
Returned as a result of a bank error
CN01
AuthorisationCancelled
Authorisation is cancelled.
CNOR
CreditorBankIsNotRegistered
Creditor bank is not registered under this BIC in the CSM.
CURR
IncorrectCurrency
Currency of the payment is incorrect.
CUST
RequestedByCustomer
Cancellation requested by the Debtor.
DNOR
DebtorBankIsNotRegistered
Debtor bank is not registered under this BIC in the CSM.
DS28
ReturnForTechnicalReason
Return following technical problems resulting in erroneous transaction.
DT01
InvalidDate
Invalid date (eg, wrong settlement date)
ED01
CorrespondentBankNotPossible
Correspondent bank not possible.
ED03
BalanceInfoRequest
Balance of payments complementary info is requested.
ED05
SettlementFailed
Settlement of the transaction has failed.
EMVL
EMVLiabilityShift
The card payment is fraudulent and was not processed with EMV technology for an EMV card.
ERIN
ERIOptionNotSupported
The Extended Remittance Information (ERI) option is not supported.
FF05
InvalidLocalInstrumentCode
Local Instrument code is missing or invalid.
FOCR
FollowingCancellationRequest
Return following a cancellation request.
FR01
Fraud
Returned as a result of fraud.
FRTR
FinalResponseMandateCancelled
Final response/tracking is recalled as mandate is cancelled.
MD01
NoMandate
No Mandate.
MD02
MissingMandatoryInformationInMandate
Mandate related information data required by the scheme is missing.
MD06
RefundRequestByEndCustomer
Return of funds requested by end customer.
MD07
EndCustomerDeceased
End customer is deceased.
MS02
NotSpecifiedReasonCustomerGenerated
Reason has not been specified by end customer.
MS03
NotSpecifiedReasonAgentGenerated
Reason has not been specified by agent.
NARR
Narrative
Reason is provided as narrative information in the additional reason information.
NOAS
NoAnswerFromCustomer
No response from Beneficiary.
NOCM
NotCompliant
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.
NOOR
NoOriginalTransactionReceived
Original SCT never received.
PINL
PINLiabilityShift
The card payment is fraudulent (lost and stolen fraud) and was processed as EMV transaction without PIN verification.
RC01
BankIdentifierIncorrect
Bank Identifier code specified in the message has an incorrect format (formerly IncorrectFormatForRoutingCode).
RC07
InvalidCreditorBICIdentifier
Incorrect BIC of the beneficiary Bank in the SCTR.
RF01
NotUniqueTransactionReference
Transaction reference is not unique within the message.
RR01
MissingDebtorAccountOrIdentification
Specification of the debtor’s account or unique identification needed for reasons of regulatory requirements is insufficient or missing.
RR02
MissingDebtorNameOrAddress
Specification of the debtor’s name and/or address needed for regulatory requirements is insufficient or missing.
RR03
MissingCreditorNameOrAddress
Specification of the creditor’s name and/or address needed for regulatory requirements is insufficient or missing.
RR04
RegulatoryReason
Regulatory Reason.
RUTA
ReturnUponUnableToApply
Return following investigation request and no remediation possible.
SL01
SpecificServiceOfferedByDebtorAgent
Due to specific service offered by the Debtor Agent.
SL02
SpecificServiceOfferedByCreditorAgent
Due to specific service offered by the Creditor Agent.
SL11
CreditorNotOnWhitelistOfDebtor
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.
SL12
CreditorOnBlacklistOfDebtor
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.
SL13
MaximumNumberOfDirectDebitTransactionsExceeded
Due to Maximum allowed Direct Debit Transactions per period service offered by the Debtor Agent.
SL14
MaximumDirectDebitTransactionAmountExceeded
Due to Maximum allowed Direct Debit Transaction amount service offered by the Debtor Agent.
SP01
PaymentStopped
Payment is stopped by account holder.
SP02
PreviouslyStopped
Previously stopped by means of a stop payment advise.
SVNR
ServiceNotRendered
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.
TM01
CutOffTime
Associated message was received after agreed processing cut-off time.
TRAC
RemovedFromTracking
Return following direct debit being removed from tracking process.
