Home > Codes



Countries:

Provider Codes:   Hide

JPMorgan  (batch) Response Codes:



ACH/eCheck Notification of Change Codes (US)
Code Message Description
C01 Account number is incorrect or is formatted incorrectly Customer's account number is incorrect or malformatted.
C02 Due to merger or consolidation, a once valid transit/routing number must be changed Transit or routing number is not valid anymore and must be changed.
C03 Due to a merger or consolidation, the transit/routing number must be changed; and account number structure is no longer valid Transit or routing number must be changed. Account number structure is invalid.
C04 Customer has changed name or ODFI has submitted the name incorrectly Customer's name is incorrect or malformatted.
C05 Transaction code is incorrect and is causing entry to be routed to the wrong account application Transaction code is incorrect.
C06 Account number is incorrect and transaction is being routed to the wrong type of account Bank account number should be changed and transaction code should indicate posting to another account type (demand/savings).
C07 Due to a merger or consolidation, a transit/routing number must be changed; account number structure is no longer valid; and, the transaction should be routed to another account type Transit/routing number, bank account number and transaction code should be changed.
C08 Incorrect Foreign Receiving DFI Identification For IAT entries only which are not allowed to be originated at this time.
C09 Individuals ID number is incorrect Individual’s ID number is incorrect or malformatted.
C10 Due to Merger or consolidation, the company name carried on the file of the ODFI is no longer valid Company name is no longer valid and should be changed.
C11 Due to merger or consolidation, the company ID is no longer valid and should be changed Company ID is no longer valid and should be changed.
C12 Due to merger or consolidation, the company name and company ID are no longer valid Both the company name and company ID are no longer valid and should be changed.
C13 Entry Detail Record was correct, but information in the addenda record was unclear/formatted incorrectly (i.e., addenda information is not formatted in NSI or NACHA endorsed banking conventions) Addenda information is malformatted.
C61 Misrouted Notification of Change Notification of change has been refused due to misrouting.
C62 Incorrect Trace Number Notification of change has been refused due to incorrect trace number.
C63 Incorrect Company Identification Number Notification of change has been refused due to incorrect company ID.
C64 Incorrect Individual Identification Number Notification of change has been refused due to incorrect customer's ID.
C65 Incorrectly Formatted Addenda Information Notification of change has been refused due to malformatted addenda information.
C66 Incorrect Discretionary Data Notification of change has been refused due to incorrect discretionary data.
C67 Routing Number Not From Original Entry Detail Notification of change has been refused due to routing number mismatch.
C68 DFI Account Number Not from Original Entry Detail Record
C69 Incorrect Transaction Code Notification of change has been refused due to incorrect transaction code.
Direct Debit Response Codes (UK BACS)
Code Message Description
0 Refer to payer Reason for non-payment need to be established from the payer.
1 Instruction canceled Paying bank has cancelled an instruction.
2 Payer deceased Account holder is deceased (used in the event of a representative payee, guardian, or trustee).
3 Account transferred Account has been transferred to a new bank or building society.
4 Advance notice disputed Payer disputes time, amount or frequency of advance notice and has requested single payment to be countermanded.
5 No Account Account number is not recognised at the paying bank.
6 No Instruction Instruction does not exist on paying bank's database.
7 Amount differs Payer states the amount of the direct debit differs from the amount in the advance notiice to payer.
8 Amount not yet due Payers states date of debiting is in advance of the due date specified in the advance notice to the payer.
9 Presentation overdue 1) Payer states date of presentation is more than 3 working days after due date in advance notice to payer; 2) Re-presentation of unpaid direct debit is more than one month from original direct debit processing day.
A Service user differs Identity of service user differs from DDI.
B Account Closed Payer has closed an account for an unknown reason.
C Account transferred to a different branch of bank/building society New account details need to be supplied to the service user.
D Advance notice disputed Payer disputes time, amount or frequency of advance notice and has requested single payment to be countermanded.
E Instruction amended Paying bank will advise amendment via ADDACS message.
F Invalid account type Paying bank dose not allow direct debits on this type of account.
G Bank will not accept Direct Debits on this type of Account Paying bank does not allow direct debits on this type of account.
H Instruction has expired Occurs when a service user attempts to convert a DDI which is shown as expired on the paying bank's database.
I Payer reference is not unique Paying bank has matched the DDI to an existing DDI with a similar reference that has more or fewer characters.
K Instruction canceled by paying bank Paying bank has cancelled the DDI.
L Incorrect payer's Account Details 1) The sort code or account number has failed the modulus check; 2) The sort code does not exist; 3) The account number is not all numeric or is all zeros; 4) The account type is invalid.
M Transaction Code/User Status incompatible Transaction codes, which are not allowed whilst in this status, have been sent.
N Transaction disallowed at payer's branch Paying banks have disallowed the set-up of DDIs at the branch in field 1 of the transaction. Service user should refer back to their payer and obtain a DDI for a different account.
O Invalid reference The reference in one of the DDI record fields does not comply with the AUDDIS rules.
P Payer's Name not present Validation has detected that payer's name field is blank. A payer's name should always be entered.
Q Servise user's name blank Validation has detected that servise user's name field is blank. A servise user's company or tranding name should always be entered.
R Instruction re-instated Paying bank may re-instate a cancelled DDI up to two months from cancelation.
V Transaction data integrity validation error Transaction data has not been validated by the processor.
X Processing Cancelled Transaction processing has been cancelled by a customer.
Direct Debit Response Codes (US ACH)
Code Message Description
E03 Transaction data integrity validation error Transaction data has not been validated by the processor.
E05 Bank account is blacklisted ACH account is blacklisted.
R01 Insufficient Funds Available balance is not sufficient to cover the dollar amount of the debit entry.
R02 Account Closed Previously active account has been closed by customer or customer's bank.
R03 No Account/Unable to Locate Account Account structure is valid and passes editing process, but does not correspond to individual or is not an open account (this can also be because the account type is wrong).
R04 Invalid Account Number The account number is not valid. The transaction may have failed the digit validation or may contain an incorrect number of digits.
R05 Unauthorized debit to consumer account using corporate SEC Code A CCD debit entry was transmitted to a consumer account and was not authorized by the consumer.
R06 ODFI Requests Return ODFI has requested RDFI to return the ACH entry (optional to RDFI).
R07 Revoked Authorization Consumer, who previously authorized ACH payment, has revoked authorization from originator. Must be returned no later than 60 days from settlement date and customer must sign affidavit.
R08 Stop Payment or Stop on Source Document Receiver of a recurring debit transaction has stopped payment on a specific ACH debit. RDFI should verify the receiver's intent when a request for stop payment is made to insure this is not intended to be a revocation of authorization.
R09 Uncollected Funds Sufficient book or ledger balance exist to satisfy dollar value of the transaction in process of collection brings available or cash reserve balance below dollar value of the debit entry.
R10 Advised as Unauthorized Customer has authorized RDFI that originator of transaction is not authorized to debit account. Must be returned no later than 60 days from settlement date of original entry and customer must sign affidavit.
R11 Customer Advises Entry Not in Accordance with the Terms of the Authorization. Customer Advises Entry Not in Accordance with the Terms of the Authorization
R12 Account at Other Branch Financial institution receives entry destined for an account at a branch that has been sold to another financial institution.
R13 RDFI not qualified to participate Financial institution is not qualified to participate in ACH or the routing number is incorrect.
R14 Death of Representative Payee Account holder is deceased (used in the event of a representative payee, guardian, or trustee).
R15 Death of Beneficiary or Account Holder (1) The beneficiary is the person entitled to the benefits and is deceased. The beneficiary may or may not be the account holder; (2) the account holder (acting in a non-representative payee capacity) is an owner of the account and is deceased.
R16 Account Frozen Funds unavailable due to specific action by the RDFI or by legal action.
R17 File Record Edit Criteria Fields not edited by the ACH operator are edited by the RDFI. Fields causing processing error must be identified in the addenda record of return.
R18 Improper Effective Entry Date The date entered in the ACH transaction record is invalid and the transaction cannot be processed. The effective entry date for a debit entry is more than one banking day after the processing date.
R19 Amount Field Error The payment was entered for an amount of $0, or a paper-check conversion (ARC or BOC) was entered for over $25,000.
R20 Non-Transaction Account ACH entry is destined for a non-transaction account (i.e., an account against which transactions are prohibited or limited).
R21 Invalid Company ID The identification number used in the company identification field is not valid.
R22 Invalid Individual ID Number In CIE and MTE entries, the individual ID number is used by the receiver to identify the account. The receiver has indicated to the RDFI that the number with which the originator was identified is not correct.
R23 Credit Entry Refused by Receiver Receiver refuses credit entry because of one of the following conditions: *minimum amount required by receiver has not been remitted; *exact amount required has not been remitted; *the account is subject to litigation and the receiver will not accept the transaction; *acceptance of the transaction results in an overpayment; *the originator is not known by the receiver; *the receiver has not authorized this credit entry to this account.
R24 Duplicate Entry RDFI has received what appears to be a duplicate entry (i.e., trace number, date, dollar amount and/or other data matches another transaction).
R25 Addenda Error Improper formatting of the addenda record information.
R26 Mandatory Field Error For a TEL or WEB ACH transaction, the name of the account holder was not provided. For a CCD transaction, the name of the company was not provided.
R27 Trace Number Error Original entry trace number is not valid for return entry or addenda trace numbers do not correspond with entry detail record.
R28 Routing Number Check Digit Error The bank routing number is invalid.
R29 Corporate Entry Unauthorized RDFI has been notified by receiver (nonconsumer) that entry was not authorized.
R30 RDFI Not Participant in Program The customer’s bank does not participate in the ACH network.
R31 ODFI Permits Late Return RDFI has been notified by ODFI that ODFI agrees to accept a return entry beyond normal return deadline.
R32 RDFI Non-Settlement The RDFI is not able to settle the entry (customer’s bank rejected the transaction).
R33 Return of XCK Entry RDFI, at its discretion, returns an XCK entry. This return reason code may only be used to return XCK entries. An XCK entry may be returned up to 60 days after its settlement date.
R34 Limited Participation DFI The RDFI's participation has been limited by a federal or state supervisor.
R35 Return of Improper Debit Entry ACH charge entries are not permitted on loan accounts.
R36 Return of Improper Credit Entry ACH refund entries (with the exception of reversals) are not permitted for use with the WEB code.
R37 Source Document Presented for Payment The source document to which an ARC, BOC, or POP entry relates has been presented for payment.
R38 Stop Payment on Source Document Stop payment has been placed on a check used for an ARC entry.
R39 Improper Source Document The RDFI determines that the source document used for an ARC, BOC or POP entry to its receiver’s account is improper pursuant to source documents subsections.
R40 Return of ENR Entry by Federal Government Agency Federal government agency received an ENR believed to be fraudulent and then returned the ENR to the DFI.
R41 Invalid Transaction Code (ENR) Transaction code value is invalid.
R42 Routing Number/Check Digit Error (ENR) Routing number value is invalid.
R43 Invalid DFI Account Number (ENR) Bank account number value is invalid.
R44 Invalid Individual ID Number (ENR) Merchant ID value is invalid.
R45 Invalid Individual Name (ENR) Individual name value is invalid.
R46 Invalid Representative Payee Indicator (ENR) Representative payee indicator value is invalid.
R47 Duplicate Enrollment (ENR) The same enrollment flow was initiated more than once.
R50 State Law Affecting RCK Acceptance RDFI is in one of the states that have not accepted the гniform сommercial сode and hasn't revised its consumer agreements to allow for electronic presentment, or the RDFI is in a state that requires all canceled checks to be returned in the consumer statement.
R51 Item is Ineligible; Notice not Provided; Signature Not Genuine; Item Altered; Amount of Entry not Accurately Obtained An RCK entry may be considered to be ineligible; the originator did not provide notice; all signatures on the item to which the RCK entry relates are not authentic or authorized, or the item to which the RCK entry relates has been altered; the amount of the RCK entry was not accurately obtained from the item.
R52 Stop Payment on Item RDFI determines that a stop payment has been placed on the item to which the RCK entry relates. RDFI has 60 days following settlement to return.
R53 Item and ACH Entry Presented for Payment In addition to an RCK entry, the item to which the RCK entry relates has also been presented for payment. The Receiver may request immediate credit from the RDFI for an RCK entry for the reason described above. The request must be made in writing within 15 days after the RDFI sends or makes available to the Receiver information relating to that debit entry. The Receiver must also provide the RDFI with a written statement under penalty of perjury, that both the RCK entry and the item to which it relates were presented for payment.
R61 Misrouted Return Return entry was sent by RDFI to an incorrect ODFI routing number.
R62 Incorrect Trace Number Trace number found in positions 07-21 in the addenda record of the return is different from the trace number of the original entry.
R63 Incorrect Dollar Amount Dollar amount in the entry detail record of the return is different from the dollar amount of the original entry.
R64 Incorrect Individual ID Individual ID number reflected in the entry detail record of the return is different from the individual ID number used in the original entry.
R65 Incorrect Transaction Code Transaction code in the entry detail record of the return is not the return equivalent of the transaction code in the original entry. All entries must be returned as received: i.e., credit as credit, debit as debit, demand as demand, savings as savings.
R66 Incorrect Company ID Company ID number used in the company/batch header record of the return is different from the ID number used in the original entry.
R67 Duplicate Return ODFI has received more than one return entry for the same original entry.
R68 Untimely Return Return entry did not meet the return deadline.
R69 Multiple Errors Two or more fields are incorrect (i.e. original entry trace number, amount, individual ID number, company ID and/or transaction code).
R70 Permissible Return Not Accepted The ODFI has received a return entry identified by the RDFI as being returned with the permission of, or at the request of, the ODFI, but the ODFI has not agreed to accept the entry or has not requested the return of the entry.
R71 Misrouted Dishonored Return ODFI misrouted the dishonored return entry to the wrong RDFI using an incorrect routing number.
R72 Untimely Dishonored Return ODFI did not submit the dishonored return entry within the 5 day deadline.
R73 Timely Original Return RDFI certifies that the original return entry was submitted within the applicable deadline.
R74 Corrected Return RDFI is correcting a previous return entry that was dishonored using return code R69 because it contained incomplete or incorrect information.
R75 Original Return Not a Duplicate The original return entry was not a duplicate of an entry previously returned by the ODFI. This code may be used by the RDFI to contest an entry dishonored by the ODFI using return code R67 (Duplicate Return).
R76 No Errors Found The original return entry did not contain the errors indicated by the ODFI in the dishonored return entry bearing return code R69 (Field Errors).
R80 Cross Border Coding Error The IAT entry is being returned due to one or more of the following conditions: *invalid DFI/bank branch country code; *invalid DFI/bank identification number qualifier; *invalid foreign exchange indicator; *invalid ISO originating currency code; *invalid ISO destination currency code; *invalid ISO destination country code; *invalid transaction type value.
R81 Non-Participant in Cross Border Program The IAT entry is being returned because the gateway does not have an agreement with either the ODFI or the gateway’s customer to transmit IAT entries.
R82 Invalid Foreign Receiving DFI Identification The reference used to identify the foreign receiving DFI of an outbound IAT entry is invalid.
R83 Foreign Receiving DFI Unable to Settle The IAT entry is being returned due to settlement problems in the foreign payment system.
R84 Entry Not Processed by Gateway For outbound IAT entries, the entry has not been processed and is being returned at the gateway’s discretion because either: *the processing of such entry may expose the gateway to excessive risk or *the foreign payment system does not support the functions needed to process the transaction.
R95 Merchant profile configuration issue Specified merchant profile was configured incorrectly.
R96 Incorrect merchant setup Specified merchant is not set up correctly for the submitted transaction.
R97 Unmapped Returns Specified processor's response code is not recognized by the system. The respective request of a received code clarification needs to be addressed to the processor.
R98 Non Participating Bank ACH has been returned by non-participating bank.
R99 Transaction rejected by processor Submitted transaction has been rejected by the processor.
X01 Processing Cancelled by User Transaction processing has been cancelled by a customer.
X05 Account Verification Failed
Direct Debit/eCheck Response Codes (Canada ACH)
Code Message Description
900 Account information incorrectly entered Account information has been entered incorrectly.
901 Insufficient Funds Available balance is not sufficient to cover the dollar amount of the debit entry.
902 Account not Found The account could not be found and is closed, or that's an older style cheque that doesn't meet the requirements of the Canadian Payments Association.
903 Payment Stopped/Recalled Receiver of a recurring debit transaction has stopped payment on a specific ACH debit. RDFI should verify the receiver's intent when a request for stop payment is made to insure this is not intended to be a revocation of authorization.
904 Post/Stale Dated
905 Account Closed Previously active account has been closed by a customer or customer's bank.
907 No Debit Allowed The receiving financial institution does not allow electronic debit through this type of account.
908 Funds Not Cleared The payor/payee has deposited a cheque to their account that has not cleared. The payee did not have enough clear funds in the account to cover the debit amount.
909 Currency/Account Mismatch The currency of the transaction does not match the currency of the account.
910 Payor/Payee Deceased Account holder is deceased (used in the event of a representative payee, guardian, or trustee).
911 Account Frozen Funds unavailable due to specific action by the RDFI or by legal action.
912 Invalid/Incorrect Account No The account number is not valid. The transaction may have failed the digit validation or may contain an incorrect number of digits.
914 Incorrect Payor/Payee Name The payor/payee name on the transaction does not match the account holder’s name.
915 No Agreement Existed - Business/Personal Refused The payor has requested the debit to be returned as they have not signed a PAD agreement authorizing the debit.
916 Not in accordance with Agreement - Personal The payor has requested the debit to be returned as the debit has not been issued in accordance with the PAD agreement the customer signed.
917 Agreement Revoked - Personal The payor has requested the debit to be returned as they have cancelled the PAD agreement authorizing the debit.
918 No Confirmation/Pre-Notification - Personal The payor has requested the debit to be returned as they have did not receive pre-notification of a change to the PAD date or amount, or they did not receive written confirmation of a PAD Agreement executed by electronic means.
919 Not in accordance with Agreement - Business The payor has requested the debit to be returned as the debit has not been issued in accordance with the PAD agreement the customer signed.
920 Agreement Revoked - Business The payor has requested the debit to be returned as they have cancelled the PAD agreement authorizing the debit.
921 No Pre-Notification - Business The payor has requested the debit to be returned as they have did not receive pre-notification of a change to the PAD date or amount, or they did not receive written confirmation of a PAD Agreement executed by electronic means.
922 Customer Initiated Return - Credit Only The payee has requested the credit to be returned.
990 Institution in Default
996 Chargeback Chargeback has been received.
998 Unmapped Returns. Specified processor's response code is not recognized by the system. The respective request of a received code clarification needs to be addressed to the processor.
999 Transaction rejected by processor. Submitted transaction has been rejected by the processor.

Transaction Responses   
Code Type Message TidyPay Code
200 Soft PICK UP CARD D01
116 Soft NON-SUF FUNDS D03
111 Hard INVALID ACCOUNT D05
208 Hard REPORTED LOST D10
209 Hard REPORTED STOLEN D11
909 Soft REFERRAL D12
183 Soft DENIED D15
121 Soft DENIED D15
123 Soft DENIED D15
110 Soft INVALID DATA D18
181 Hard INVALID VEHICLE D27
104 Hard RESTRICTED CARD D27
114 Hard INVALID ISO D27
119 Hard INVALID INDUSTRY D27
185 Hard INVALID PROCESS D27
187 Hard RESTRICTED SITE D27
180 Hard INVALID DRIVER D27
195 Hard RESTRICTED PROD D27
182 Hard INVALID DATA D27
184 Hard INVALID DATA D27
120 Hard SEE ATTENDANT D27
186 Hard RESTRICTED SITE D27
190 Hard DENIED D27
103 Soft CALL CARD ISSUER D30
107 Soft REFERRAL D30
109 Soft REFERRAL D33
AM04 Soft INSUFFICIENT FUNDS R01
B Hard ACCOUNT CLOSED R02
AC06 Hard BLOCKED ACCOUNT R02
AC04 Hard CLOSED ACCOUNT R02
5 Hard NO ACCOUNT HELD R03
AC01 Hard INCORRECT ACCOUNT NUMBER R04
AG01 Hard TRANSACTION FORBIDDEN R04
AC13 Hard Debit account is a consumer account R04
B06 Hard DEST ACC NUMBER INVALID R04
MS03 Hard NO SPECIFIED REASON AGENT GENERATED R06
C Hard XFER TO DIFF ACCT/BANK R06
CUST Hard REQUESTED BY CUSTOMER R07
K Hard INSTRUCTION CANCELLED R08
1 Hard INSTRUCTION CANCELLED R08
MD06 Hard DISPUTED AUTHORIZED TRANSACTION R08
H Hard INSTRUCTION EXPIRED R10
4 Hard ADVANCED NOTICE DISPUTED R10
G Hard DD NOT ACCEPTED A/C R10
7 Hard AMOUNT DIFFERS R10
В Hard ADVANCED NOTICE DISPUTED R10
ZZZ Hard DD INDEMNITY CLAIMS R10
9 Hard PRESENTATION DUE R10
A Hard ORIGINATOR DIFFERS R10
BE05 Hard UNRECOGNIZED INITIATING PARTY R10
D Hard ADVANCED NOTICE DISPUTED R10
MD01 Hard NO MANDATE R10
6 Hard NO INSTRUCTION R10
8 Hard AMOUNT NOT YET DUE R10
3 Hard XFER TO DIFF ACCT/BANK R12
MD07 Hard END CUSTOMER DECEASED R15
2 Hard PAYER DECEASED R15
SUSP Hard SUSPICIOUS PAYMENT R17
MD01 Hard NO MANDATE R17
AM01 Hard ZERO AMOUNT R17
XD19 Hard INVALID IBAN FORMAT R17
E Hard INSTRUCTION AMENDED R17
MD02 Hard MANDATE DATA MISSING OR INCORRECT R17
CUTA Hard CANCELLATION REQUESTED BECAUSE AN INVESTIGATION REQUEST HAS BEEN RECEIVED AND NO REMEDIATION IS POSSIBLE R17
MD07 Hard END CUSTOMER DECEASED R17
M Hard CODE/USER IMCOMPAT STAT R17
0 Hard DB REFER TO PAYER/CR INVALID DE R17
DUPL Hard DUPLICATE PAYMENT R17
XT79 Hard CUSTOMER ADVS NOT AUTH R17
MS02 Hard NO SPECIFIED REASON CUSTOMER GENERATED R17
SL01 Hard SPECIFIC SERVICE OFFERED BY DEBTOR BANK R17
FF05 Hard Invalid local instrument code R17
AGNT Hard INCORRECT AGENT R17
UPAY Hard UNDUE PAYMENT R17
I Hard PAYER REF NOT UNIQUE R17
AM02 Hard NOT ALLOWED AMOUNT R17
XD75 Hard FILE REC EDIT CRITERIA R17
L Hard INCORRECT ACCT DTLS R17
DT01 Hard INVALID DATE R17
XT78 Hard FILE REC EDIT CRITERIA R17
B10 Hard INVALID DDI/DD ORIG REF R17
N Hard TRANS DISALLOW AT BRANC R17
RR01 Hard REGULATORY REASON R17
ED05 Hard SETTLEMENT FAILED R17
XT80 Hard CUSTOMER ADVS NOT AUTH R17
OFACRT Hard OFAC REJECT R17
B02 Hard DDI AMT NOT ZERO R19
XT77 Hard ORIGINAL AMOUNT MISMATCH R19
B01 Hard TRANS AMOUNT INVALID R19
AM05 Hard DUPLICATION R24
P Hard BLANK PAYER NAME R26
AG02 Hard INVALID BANK OPERATION R26
CURR Hard INCORRECT CURRENCY R26
O Hard INVALID REFERENCE R26
B07 Hard PAYERS NAME NOT PRESENT R26
PY01 Hard UNKNOWN BIC IN ROUTING TABLE R26
Q Hard BLANK ORIGIN NAME R26
F Hard INVALID ACCT TYPE R26
B03 Hard INV DEST S/CODE FORMAT R28
RC01 Hard BANK IDENTIFIER INCORRECT R28
B04 Hard RECIPIENTS S/CODE INV R28
R Hard INSTRUCTN REINSTATED R31
B08 Hard DD TRANS TYPE INVALID R65
B05 Hard TRANS UNACC FOR S/CODE R65
B09 Hard DDI TRANS TYPE INVALID R65

Groups

Groups

Provider Codes:   Hide

Copyright © TidyPay. All Rights Reserved.
All Logos and Trademarks used or mentioned on this page are copyrighted property of their respective owners and are used for display purposes only.