Error code
Error description
External codes
11000
Clearing process aborted due to timeout
AB01
11000
Clearing process aborted due to a fatal error
AB02
11000
TCH Message - Central Switch (RTP) service is suspended
AB02
11000
TCH Message - Central Switch (RTP) system malfunction
AB02
11000
Settlement aborted due to timeout
AB03
11000
Settlement process aborted due to a fatal error
AB04
11000
Transaction stopped due to timeout at the Creditor Agent
AB05
11000
Transaction stopped due to timeout at the Instructed Agent
AB06
11000
Agent of message is not online
AB07
11000
TCH Message - Instructed Agent signed-off
AB07
11000
TCH Message - Instructing Agent signed-off
AB07
11000
TCH Message - Recipient connection is not available
AB07
11000
Creditor Agent is not online
AB08
11000
Transaction stopped due to error at the Creditor Agent
AB09
11000
Transaction stopped due to error at the Instructed Agent
AB10
11000
Account number specified has been closed on the bank of account's books
AC04
11000
Debtor account number closed
AC05
11000
Account specified is blocked, prohibiting posting of transactions against it
AC06
11000
Creditor account number closed
AC07
11000
Transaction forbidden on this type of account (formerly NoAgreement)
AG01
11000
Bank Operation code specified in the message is not valid for receiver
AG02
11000
Transaction type not supported/authorized on this account
AG03
11000
Agent country code is missing or invalid
AG04
11000
Debtor agent country code is missing or invalid
AG05
11000
Creditor agent country code is missing or invalid
AG06
11000
Debtor account cannot be debited for a generic reason
AG07
11000
Original payment never received
AG09
11000
Agent of message is suspended from the Real Time Payment system
AG10
11000
TCH Message - Instructed Agent Funding Account suspended
AG10
11000
TCH Message - Instructed Agent suspended
AG10
11000
TCH Message - Instructing Agent Funding Account suspended
AG10
11000
TCH Message - Instructing Agent suspended
AG10
11000
Creditor Agent of message is suspended from the Real Time Payment system
AG11
11000
Payment orders made by transferring funds from one account to another at the same financial institution (bank or payment institution) are not allowed
AG12
11000
Returned payments derived from previously returned transactions are not allowed
AG13
11000
Agent in the payment workflow is incorrect
AGNT
11000
Specified message amount is an non processable currency outside of existing agreement
AM03
11000
Amount of funds available to cover specified message amount is insufficient
AM04
11000
Duplication
AM05
11000
Amount received is not the amount agreed or expected
AM09
11000
Number of transactions at the Payment Information level is invalid
AM20
11000
Identification of end customer is not consistent with associated account number.
BE01
11000
Party who initiated the message is not recognised by the end customer
BE05
11000
End customer specified is not known at associated Sort/National Bank Code or does no longer exist in the books
BE06
11000
Specification of debtor’s address, which is required for payment, is missing/not correct
BE07
11000
Country code is missing or Invalid
BE09
11000
Debtor country code is missing or invalid
BE10
11000
Creditor country code is missing or invalid
BE11
11000
Country code of residence is missing or invalid
BE12
11000
Country code of debtor's residence is missing or Invalid
BE13
11000
Country code of creditor's residence is missing or Invalid
BE14
11000
Account proxy invalid
BE23
11000
Duplicate Proxy in another Bank
BE23
11000
Duplicate Proxy in Bank
BE23
11000
Phone number or email address, or any other proxy, used as the account proxy is unknown or invalid.
BE23
11000
Proxy already deregistered
BE23
11000
Proxy already suspended
BE23
11000
Proxy Other rejection reason
BE23
11000
Proxy request timeout
BE23
11000
Mandate changes are not allowed
CH09
11000
Value in Creditor Identifier is incorrect
CH11
11000
Creditor bank is not registered under this BIC in the CSM
CNOR
11000
Cancellation requested by the Debtor
CUST
11000
Debtor bank is not registered under this BIC in the CSM
DNOR
11000
An authorized user has cancelled the order
DS02
11000
The order was rejected by the bank side (for reasons concerning content)
DS04
11000
The decryption of the file was not successful
DS09
11000
Data signature for the format is not available or invalid
DS0B
11000
The signer certificate is not valid (revoked or not active)
DS0D
11000
Signer is not allowed to sign this operation type.
DS0G
11000
Signer is not allowed to sign for this account
DS0H
11000
Waiting time expired due to incomplete order
DS24
11000
Message Identification is not unique.
DU01
11000
Correspondent bank not possible
ED01
11000
Settlement of the transaction has failed
ED05
11000
Interbank settlement system not available
ED06
11000
File Format incomplete or invalid
FF01
11000
Syntax error reason is provided as narrative information in the additional reason information
FF02
11000
Payment Type Information is missing or invalid
FF03
11000
File or transaction cannot be processed due to technical issues at the bank side
FF10
11000
Clearing request rejected due it being subject to an abort operation
FF11
11000
Original payment is not eligible to be returned given its current status
FF12
11000
Following Cancellation Request
FOCR
11000
Returned as a result of fraud
FR01
11000
Fraudulent Original SCT Inst Transaction
FRAD
11000
Final Response - Repeat attempt to prior non-response
FRTR
11000
The creditor ABA is not eligible for Real Time Payments. Your payment could not be processed.
IN06
11000
The designated channel is not eligible for Real Time Payments. Your payment could not be processed.
IN12
11000
The payment has fields exceeding character limits. Please make the necessary corrections and try again.
IN14
11000
Legal Decision
LEGL
11000
No Mandate
MD01
11000
Mandate related information data required by the scheme is missing
MD02
11000
Return of funds requested by end customer
MD06
11000
End customer is deceased
MD07
11000
Final Response with indemnity
NARR
11000
TCH Message - Mapping Incompatibility between Version 1 and 2
NARR
11000
TCH Message - Missing code ‘FULL’ (full invoice amount)
NARR
11000
TCH Message - Missing Instructions for Creditor Agent Code in Zelle RFP
NARR
11000
The payment could not be processed at this time due to an unexpected error, please try again later
NARR
11000
With Indemnity Customer
NARR
11000
With Indemnity Duplicate
NARR
11000
With Indemnity Fraud
NARR
11000
With Indemnity Technical
NARR
11000
Wrong Amount with Indemnity
NARR
11000
No response from Beneficiary
NOAS
11000
TCH Message - Receiving Customer Account does not support/accept this message type
NOAT
11000
Initial SCT Inst Transaction never received
NOOR
11000
Refer to card issuer
PC01
11000
Invalid merchant
PC03
11000
Lost/stolen card
PC04
11000
Rejected
PC05
11000
Error
PC06
11000
Pick up card, special condition (fraud account)
PC07
11000
Invalid transaction
PC12
11000
Invalid amount
PC13
11000
Invalid card number
PC14
11000
No such issuer
PC15
11000
Re-enter transaction
PC19
11000
Additional customer authentication required
PC1A
11000
Format error, invalid value in message
PC30
11000
Expired Card
PC33
11000
No credit account
PC39
11000
Lost card, pick up card (fraud account)
PC41
11000
Stolen card, pick up (fraud account)
PC43
11000
Closed account
PC46
11000
Not sufficient funds
PC51
11000
No checking account
PC52
11000
No savings account
PC53
11000
Invalid Expiry Date
PC54
11000
PIN incorrect or missing
PC55
11000
Tran Not Allowed For Cardholder
PC57
11000
Transaction not permitted to terminal
PC58
11000
Suspected fraud
PC59
11000
Exceeds approval amount limit
PC61
11000
Restricted Card (card invalid in region or country)
PC62
11000
Security violation
PC63
11000
Transaction does not fulfill AML requirement
PC64
11000
Exceeds withdrawal frequency limits
PC65
11000
Verification Data Failed
PC6P
11000
PIN data required
PC70
11000
Different value than that used for PIN-entry tries exceeded
PC74
11000
Allowable number of PIN-entry exceeded
PC75
11000
Account blocked
PC78
11000
Reversed (by switch)
PC79
11000
No financial impact
PC80
11000
Cryptographic error found in PIN
PC81
11000
Negative online CAM, dCVV, iCVV, CVV, CAVV, dCVV2, TAVV, or DTW results
PC82
11000
No reason to decline
PC85
11000
Cannot verify PIN
PC86
11000
Issuer unavailable
PC91
11000
Illegal transaction cannot be completed
PC93
11000
Duplicate transmission
PC94
11000
System malfunction
PC96
11000
Force STIP
PCN0
11000
Cash Service Not Available
PCN3
11000
Cash request exceeds issuer or approved limit
PCN4
11000
Decline for CVV2 Failure
PCN7
11000
Stop this payment
PCR0
11000
Stop all future payments
PCR1
11000
Stop all merchants
PCR3
11000
Unable to go online, offline detected
PCZ3
11000
TCH Message - Invalid Participant Identification
RC04
11000
Debtor ClearingSystemMember identifier is invalid or missing
RC09
11000
Creditor ClearingSystemMember identifier is invalid or missing
RC10
11000
Transaction reference is not unique within the message
RF01
11000
Account closed
RR04
11000
Beneficiary can only be individual
RR04
11000
Credit refused by account holder
RR04
11000
Duplicate Entry
RR04
11000
Duplicate Return. The IFO has received more than one Return for one same entry.
RR04
11000
Duplicate transaction
RR04
11000
Error in the addenda record.
RR04
11000
Incorrect Originator RUT. The "Originator RUT" field in the Batch Header for the Return does not match the one specified in the Batch containing the original entry.
RR04
11000
Incorrect Receiver RUT. The "Receiver RUT" field in the Return does not match the one specified in the original entry.
RR04
11000
Incorrect Trace Number. The value in the original Trace Number field of the Return addenda record does not contain the original trace number.
RR04
11000
Incorrect transaction code. The "transaction code" associated with the Return does not match the transaction code in the original entry.
RR04
11000
Late Return. The Return was not sent by the deadlines set down in these rules.
RR04
11000
Misaddressed Return: The financial institution that prepared the Return input an correct Code for the "IFR Identifier."
RR04
11000
Multiple errors. Two or more errors in fields were found between the original entry and the Return
RR04
11000
Not enough available funds
RR04
11000
OFAC reject
RR04
11000
Ordering Account pending close
RR04
11000
Processing Exception. Please contact your regional help desk.
RR04
11000
RDFI incorrect or not a CCA member (participant)
RR04
11000
Regulatory Reason
RR04
11000
Sanctions Reject
RR04
11000
Transaction missed cut off
RR04
11000
Regulatory or Central Bank Reporting information missing, incomplete or invalid
RR05
11000
Character set supplied not valid for the country and payment type
RR10
11000
Due to a specific service offered by the clearing system
SL03
11000
The transmission of the file was not successful, it had to be aborted (for technical reasons)
TA01
11000
Technical Problem
TECH
11000
Token is invalid
TK01
11000
Token used for the sender does not exist
TK02
11000
Receiver Token Not Found
TK03
11000
Token Found with Counterparty Mismatch
TKCM
11000
Single Use Token Already Used
TKSG
11000
Token Suspended
TKSP
11000
Token Found with Value Limit Rule Violation
TKVE
11000
Token Expired
TKXP
11000
Associated message, payment information block, or transaction was received after agreed processing cut-off time
TM01
11000
Transaction Aggregate limit failure
TXNLMT01
11000
Undue Payment - Payment has been made through another payment channel (for Request for Payment expiry)
UPAY
11000
Invalid IBAN format
XD19
11000
Insufficient liquidity for processing the transaction on the System.
XT04
11000
Invalid AccptTime, Rejected by the CSM to Originator Bank upon exceeding tolerance period for the Acceptance Date&Time
XT06
11000
Invalid original transaction status, action not required
XT75
11000
Original Amount mismatch
XT77
11000
The Debtor Agent is not allowed to send SCT Inst transactions (pacs.008) and consequently to send Payment Status Request (pacs.028) and Recalls (camt.056). It is also not allowed to receive NRR and PRR.
XT79
11000
The Creditor Agent is not allowed to receive SCT Inst transactions (pacs.008) and consequently to receive Payment Status request (pacs.028) and Recalls (camt.056). It is also not allowed to send NRR and PRR.(The a admission profile "Debtor Only" currently is not implemented )
XT80
11000
Field not Permitted in SCT Inst Service
XT81
11000
Sender and/or Receiver Participants not configured for CUG/AOS usage
XT83
11000
Inconsistent Instructing Agent
XT87
