Unified Money Movement Services Codes (1.0)
Contact: support@billerpayments.com License: © Alacriti Inc
| Payment Category Codes | Description |
|---|---|
| BONU | Transaction is the payment of a bonus. |
| CASH | Transaction is a general cash management instruction. |
| CBLK | A service that is settling money for a bulk of card transactions, while referring to a specific transaction file or other information like terminal ID, card acceptor ID or other transaction details. |
| CCRD | Transaction is related to a payment of credit card. |
| CORT | Transaction is related to settlement of a trade, eg a foreign exchange deal or a securities transaction. |
| DCRD | Transaction is related to a payment of debit card. |
| DIVI | Transaction is the payment of dividends. |
| DVPM | Code used to pre-advise the account servicer of a forthcoming deliver against payment instruction. |
| EPAY | Transaction is related to ePayment. |
| FCIN | Transaction is related to the payment of a fee and interest. |
| FCOL | A service that is settling card transaction related fees between two parties. |
| GP2P | General Person-to-Person Payment. Debtor and Creditor are natural persons. |
| GOVT | Transaction is a payment to or from a government department. |
| HEDG | Transaction is related to the payment of a hedging operation. |
| ICCP | Transaction is reimbursement of credit card payment. |
| IDCP | Transaction is reimbursement of debit card payment. |
| INTC | Transaction is an intra-company payment, ie, a payment between two companies belonging to the same group. |
| INTE | Transaction is the payment of interest. |
| LBOX | Transaction is related to identify cash handling via Night Safe or Lockbox by bank or vendor on behalf of a physical store. |
| LOAN | Transaction is related to the transfer of a loan to a borrower. |
| MP2B | Mobile P2B Payment |
| MP2P | Mobile P2P Payment |
| OTHR | Other payment purpose. |
| PENS | Transaction is the payment of pension. |
| RPRE | Collection used to re-present previously reversed or returned direct debit transactions. |
| RRCT | Transaction is related to a reimbursement for commercial reasons of a correctly received credit transfer. |
| RVPM | Code used to pre-advise the account servicer of a forthcoming receive against payment instruction. |
| SALA | Transaction is the payment of salaries. |
| SECU | Transaction is the payment of securities. |
| SSBE | Transaction is a social security benefit, ie payment made by a government to support individuals. |
| SUPP | Transaction is related to a payment to a supplier. |
| TAXS | Transaction is the payment of taxes. |
| TRAD | Transaction is related to the payment of a trade finance transaction. |
| TREA | Transaction is related to treasury operations. E.g. financial contract settlement. |
| VATX | Transaction is the payment of value added tax. |
| WHLD | Transaction is the payment of withholding tax. |
| SWEP | "Classification: Cash Management. Transaction relates to a cash management instruction, requesting a sweep of the account of the Debtor above an agreed floor amount, up to a target or zero balance. |
| TOPG | "Classification: Cash Management. Transaction relates to a cash management instruction, requesting to top the account of the Creditor above a certain floor amount, up to a target or zero balance. The floor amount, if not pre-agreed by the parties involved, may be specified." |
| ZABA | "Transaction relates to a cash management instruction, requesting to zero balance the account of the Debtor.Zero Balance Accounts empty or fill the balances in accounts at the same bank, in the same country into or out of a main account each day." |
| VOST | Transaction to be processed as a domestic payment instruction originated from a foreign bank. |
| FCDT | Foreign Currency Transaction that is processed between two domestic financial institutions. |
| CIPC | Transaction is a direct debit for a cash order of notes and/or coins. |
| CONC | Transaction is a direct debit for a cash order of notes and/or coins. |
| BKDF | "Delayed draw funding. Certain issuers may utilize delayed draw loans whereby the lender is committed to fund cash within a specified period once a call is made by the issuer. The lender receives a fee for entering into such a commitment" |
| BKFE | "Bank loan fees. Cash activity related to specific bank loan fees, including (a) agent / assignment fees; (b) amendment fees; (c) commitment fees; (d) consent fees; (e) cost of carry fees; (f) delayed compensation fees; (g) facility fees; (h) fronting fees; (i) funding fees; (j) letter of credit assignment fees" |
| BKFM | "Bank loan funding memo. Net cash movement for the loan contract final notification when sent separately from the loan contract final notification instruction." |
| BKIP | Accrued interest payments. Specific to bank loans. |
| BKPP | Principal paydowns. Specific to bank loans |
| CBLK | A Service that is settling money for a bulk of card transactions, while referring to a specific transaction file or other information like terminal ID, card acceptor ID or other transaction details. |
| CDCB | Purchase of Goods and Services with additional Cash disbursement at the POI (Cashback) |
| CDCD | ATM Cash Withdrawal in an unattended or Cash Advance in an attended environment (POI or bank counter) |
| CDCS | ATM Cash Withdrawal in an unattended or Cash Advance in an attended environment (POI or bank counter) with surcharging. |
| CDDP | "A combined service which enables the card acceptor to perform an authorisation for a temporary amount and a completion for the final amount within a limited time frame. Deferred Payment is only available in the unattended environment. Examples where this service is widely used are unattended petrol pumps and phone booths" |
| CDOC | A service which allows the card acceptor to effect a credit to a cardholder' account. Unlike a Merchant Refund, an Original Credit is not preceded by a card payment. This service is used for example for crediting winnings from gaming. |
| CDQC | Purchase of Goods which are equivalent to cash like coupons in casinos. |
| ETUP | Transaction is related to a Service that is first reserving money from a card account and then is loading an e-purse application by this amount. |
| FCOL | A Service that is settling card transaction related fees between two parties. |
| MTUP | A Service that is first reserving money from a card account and then is loading a prepaid mobile phone amount by this amount. |
| ACCT | Transaction moves funds between 2 accounts of same account holder at the same bank. |
| CASH | Transaction is a general cash management instruction. |
| COLL | Transaction is a collection of funds initiated via a credit transfer or direct debit. |
| CSDB | Transaction is related to cash disbursement. |
| DEPT | Transaction is releted to a payment of deposit. |
| INTC | Transaction is an intra-company payment, ie, a payment between two companies belonging to the same group. |
| INTP | Transaction is a payment between two accounts belonging to the same party (intra-party payment), where party is a natural person (identified by a private ID, not organisation ID). |
| LIMA | Bank initiated account transfer to support zero target balance management, pooling or sweeping. |
| NETT | Transaction is related to a netting operation. |
| BFWD | Cash collateral related to any securities traded out beyond 3 days which include treasury notes, JGBs and Gilts. |
| CCIR | Cash Collateral related to a Cross Currency Interest Rate Swap, indicating the exchange of fixed interest payments in one currency for those in another. |
| CCPC | Cash Collateral associated with an ISDA or Central Clearing Agreement that is covering the initial margin requirements for OTC trades clearing through a CCP. |
| CCPM | Cash Collateral associated with an ISDA or Central Clearing Agreement that is covering the variation margin requirements for OTC trades clearing through a CCP. |
| CCSM | CCP Segregated initial margin: Initial margin on OTC Derivatives cleared through a CCP that requires segregation |
| CRDS | Cash collateral related to trading of credit default swap. |
| CRPR | Cash collateral related to a combination of various types of trades. |
| CRSP | Cash collateral related to cash lending/borrowing; letter of Credit; signing of master agreement. |
| CRTL | Cash collateral related to opening of a credit line before trading. |
| EQPT | Cash collateral related to trading of equity option (Also known as stock options). |
| EQUS | Cash collateral related to equity swap trades where the return of an equity is exchanged for either a fixed or a floating rate of interest. |
| EXPT | Cash collateral related to trading of an exotic option for example a non-standard option. |
| EXTD | Cash collateral related to trading of exchanged traded derivatives in general (Opposite to Over the Counter (OTC)). |
| FIXI | Cash collateral related to a fixed income instrument |
| FWBC | Cash collateral payment against a Master Forward Agreement (MFA) where the cash is held in a segregated account and is not available for use by the client. Includes any instruments with a forward settling date such TBAs, repurchase agreements and bond forwards |
| FWCC | Cash collateral payment against a Master Forward Agreement (MFA) where the cash is owned and may be used by the client when returned. Includes any instruments with a forward settling date such TBAs, repurchase agreements and bond forwards |
| FWSB | Any cash payment related to the collateral for a Master Agreement forward, which is segregated, and not available for use by the client. Example master agreement forwards include TBA, repo and Bond Forwards. |
| FWSC | Any cash payment related to the collateral for a Master agreement forward, which is owned by the client and is available for use by the client when it is returned to them from the segregated account. Example master agreement forwards include TBA, repo and Bond Forwards. |
| MARG | "Daily margin on listed derivatives – not segregated as collateral associated with an FCM agreement. Examples include listed futures and options margin payments; premiums for listed options not covered in the MT54X message" |
| MBSB | MBS Broker Owned Segregated (40Act/Dodd Frank) Cash Collateral - Any cash payment related to the collateral for a Mortgage Back Security, which is segregated, and not available for use by the client. |
| MBSC | MBS Client Owned Cash Segregated (40Act/Dodd Frank) Cash Collateral - Any cash payment related to the collateral for a Mortgage Back Security, which is owned by the client and is available for use by the client when it is returned to them from the segregated account |
| MGCC | Initial futures margin. Where such payment is owned by the client and is available for use by them on return |
| MGSC | Margin Client Owned Segregated Cash Collateral - Any cash payment related to the collateral for initial futures margin, which is owned by the client and is available for use by the client when it is returned to them from the segregated account. |
| OCCC | Client owned collateral identified as eligible for OCC pledging |
| OPBC | Cash collateral payment for OTC options associated with an FCM agreement. Where such payment is segregated and not available for use by the client |
| OPCC | Cash collateral payment for OTC options associated with an FCM agreement. Where such payment is not segregated and is available for use by the client upon return |
| OPSB | Option Broker Owned Segregated Cash Collateral - Any cash payment related to the collateral for an OTC option, which is segregated, and not available for use by the client. |
| OPSC | Option Client Owned Cash Segregated Cash Collateral - Any cash payment related to the collateral for an OTC option, which is owned by the client and is available for use by the client when it is returned to them from the segregated account |
| OPTN | Cash collateral related to trading of option on Foreign Exchange. |
| OTCD | Cash collateral related to Over-the-counter (OTC) Derivatives in general for example contracts which are traded and privately negotiated. |
| REPO | Cash collateral related to a repurchase agreement transaction. |
| RPBC | "Bi-lateral repo broker owned collateral associated with a repo master agreement – GMRA or MRA Master Repo Agreements" |
| RPCC | Repo client owned collateral associated with a repo master agreement – GMRA or MRA Master Repo Agreements |
| RPSB | Bi-lateral repo broker owned segregated cash collateral associated with a repo master agreement |
| RPSC | Repo client owned segregated collateral associated with a repo master agreement |
| RVPO | Cash collateral related to a reverse repurchase agreement transaction. |
| SBSC | Cash collateral related to a Securities Buy Sell Sell Buy Back |
| SCIE | Cash collateral related to Exotic single currency interest rate swap. |
| SCIR | Cash collateral related to Single Currency Interest Rate Swap. |
| SCRP | Cash collateral related to Combination of securities-related exposure types. |
| SHBC | Short Sale broker owned collateral associated with a prime broker agreement |
| SHCC | Short Sale client owned collateral associated with a prime brokerage agreement |
| SHSL | Cash Collateral related to a Short Sell |
| SLEB | Cash collateral related to Securities lending and borrowing. |
| SLOA | Cash collateral related to a Secured loan. |
| SWBC | "Cash collateral payment for swaps associated with an ISDA agreement. . Where such payment is segregated and not available for use by the client. Includes any cash collateral payments made under the terms of a CSA agreement for instruments such as swaps and FX forwards." |
| SWCC | "Cash collateral payment for swaps associated with an ISDA agreement. Where such payment is not segregated and is available for use by the client upon return. Includes any cash collateral payments made under the terms of a CSA agreement for instruments such as swaps and FX forwards." |
| SWPT | Cash collateral related to an option on interest rate swap. |
| SWSB | "Swaps Broker Owned Segregated Cash Collateral - Any cash payment related to the collateral for Swap margin , which is segregated, and not available for use by the client. This includes any collateral identified in a CSA agreement such as Swap or FX Forward collateral." |
| SWSC | "Swaps Client Owned Segregated Cash Collateral - Any cash payment related to the collateral for Swap margin, which is owned by the client and is available for use by the client when returned from the segregated account. This includes any collateral identified in a CSA agreement such as Swap or FX Forward collateral." |
| TBAS | Cash collateral related to a To Be Announced (TBA) |
| TBBC | Cash collateral payment (segregated) for TBA securities associated with a TBA Master Agreement. Where such payment is segregated and not available for use by the client. |
| TBCC | Cash collateral payment (for use by client)for TBA securities associated with a TBA Master Agreement. Where such payment is not segregated and is available for use by the client upon return. |
| TRCP | Cash collateral related to a combination of treasury-related exposure types. |
| AGRT | Transaction is related to the agricultural domain. |
| AREN | Transaction is related to a payment associated with an Account Receivable Entry |
| BEXP | Transaction is related to a payment of business expenses. |
| BOCE | Transaction is related to a payment associated with a Back Office Conversion Entry |
| COMC | Transaction is related to a payment of commercial credit or debit. (formerly CommercialCredit) |
| CPYR | Transaction is payment of copyright. |
| GDDS | Transaction is related to purchase and sale of goods. |
| GDSV | Transaction is related to purchase and sale of goods and services. |
| GSCB | Transaction is related to purchase and sale of goods and services with cash back. |
| LICF | Transaction is payment of a license fee. |
| MP2B | A service which enables a user to use an app on its mobile to pay a merchant or other business payees by initiating a payment message. Within this context, the account information or an alias of the payee might be transported through different channels to the app, for example QR Code, NFC, Bluetooth, other Networks. |
| POPE | Transaction is related to a payment associated with a Point of Purchase Entry. |
| ROYA | Transaction is the payment of royalties. |
| SCVE | Transaction is related to purchase and sale of services. |
| SERV | Transaction is related to service charges charged by a service provider. |
| SUBS | Transaction is related to a payment of information or entertainment services either in printed or electronic form. |
| SUPP | Transaction is related to a payment to a supplier. |
| TRAD | Transaction is related to a trade services operation. |
| CHAR | Transaction is a payment for charity reasons. |
| COMT | Transaction is a payment used by a third party who can collect funds to pay on behalf of consumers, ie credit counseling or bill payment companies. |
| MP2P |
| Reason Code | Description |
|---|---|
| 0 | Approved and completed successfully |
| 1 | Refer to card issuer |
| 2 | Refer to card issuer, special condition |
| 3 | Invalid merchant |
| 4 | Pick up card (no fraud) |
| 5 | Do not honor |
| 6 | Error |
| 7 | Pick up card, special condition (fraud account) |
| 10 | Partial approval |
| 11 | Approved (V.I.P) |
| 12 | Invalid transaction |
| 13 | Invalid amount or currency conversion field overflow |
| 14 | Invalid account number (no such number) |
| 15 | No such issuer |
| 19 | Re-enter transaction |
| 1A | Additional customer authentication required |
| 21 | No action taken |
| 25 | Unable to locate record in file |
| 28 | File temporarily not available for update or inquiry |
| 39 | No credit account |
| 41 | Lost card, pick up (fraud account) |
| 43 | Stolen card, pick up (fraud account) |
| 51 | Not sufficient funds |
| 52 | No checking account |
| 53 | No savings account |
| 54 | Expired card or expiration date is missing |
| 55 | Incorrect PIN or PIN missing |
| 57 | Transaction not permitted to cardholder |
| 58 | Transaction not allowed at terminal |
| 59 | Suspected fraud |
| 61 | Exceeds approval amount limit |
| 62 | Restricted card (card invalid in this region or country) |
| 63 | Security violation (source is not correct issuer) |
| 64 | Transaction does not fulfill AML requirement |
| 65 | Exceeds withdrawal frequency limit |
| 70 | PIN data required |
| 74 | Different value than that used for PIN encryption errors |
| 75 | Allowable number of PIN entry tries exceeded |
| 76 | Unsolicited reversal |
| 78 | “Blocked, first used”—Transaction from new cardholder, and card not properly unblocked |
| 79 | Already reversed (by Switch) |
| 80 | No financial impact |
| 81 | Cryptographic error found in PIN |
| 82 | Negative CAM, dCVV, iCVV, or CVV results |
| 85 | No reason to decline a request for address verification, CVV2 verification, or a credit voucher or merchandise return |
| 86 | Cannot verify PIN; for example, no PVV |
| 89 | Ineligible to receive financial position information (GIV) |
| 91 | Issuer or switch inoperative and STIP not applicable or not available for this transaction; Time-out when no stand-in; POS Check Service: Destination unavailable; Credit Voucher and Merchandise Return Authorizations: V.I.P. sent the transaction to the issuer, but the issuer was unavailable |
| 92 | Financial institution or intermediate network facility cannot be found for routing (receiving institution ID is invalid) |
| 93 | Transaction cannot be completed - violation of law |
| 94 | Duplicate transaction is received |
| 96 | Transaction is declined due to system malfunction |
| 97 | Transaction is still being processed |
| 98 | Transaction is declined |
| 1100 | To be used for technical errors that may clear if a message is later retried |
| AB02 | Clearing process aborted due to a fatal error. |
| AB05 | Transaction stopped due to timeout at the Creditor Agent. |
| AB06 | Transaction stopped due to timeout at the Instructed Agent. |
| AB08 | Creditor Agent is not online. |
| AB09 | Transaction stopped due to error at the Creditor Agent. |
| AC01 | Account number is invalid or missing. |
| AC02 | Debtor account number invalid or missing |
| AC03 | Creditor account number invalid or missing |
| AC04 | Account number specified has been closed on the bank of account's books. |
| AC06 | Account specified is blocked, prohibiting posting of transactions against it. |
| AC11 | Creditor account currency is invalid or missing |
| AC13 | Debtor account type missing or invalid |
| AC14 | Creditor account type missing or invalid |
| AG01 | Transaction forbidden on this type of account (formerly NoAgreement) |
| AG02 | Bank Operation code specified in the message is not valid for receiver |
| AG03 | Transaction type not supported/authorized on this account |
| AG07 | "Debtor account cannot be debited for a generic reason.Code value may be used in general purposes and as a replacement for AM04 if debtor bank does not reveal its customer's insufficient funds for privacy reasons" |
| AGNT | Agent in the payment workflow is incorrect |
| AM02 | Specific transaction/message amount is greater than allowed maximum |
| AM04 | Amount of funds available to cover specified message amount is insufficient. |
| AM05 | Duplication |
| AM06 | Specified transaction amount is less than agreed minimum. |
| AM07 | Amount of funds available to cover specified message amount is insufficient. |
| AM09 | Amount received is not the amount agreed or expected |
| AM12 | Amount is invalid or missing |
| AM13 | Transaction amount exceeds limits set by clearing system |
| AM14 | Transaction amount exceeds limits agreed between bank and client |
| AM15 | Transaction amount below minimum set by clearing system |
| AM21 | Transaction amount exceeds limits agreed between bank and client. |
| B1 | Surcharge amount not permitted on Visa cards or EBT food stamps (U.S. acquirers only) |
| B2 | Surcharge amount not supported by debit network issuer. |
| BE01 | Identification of end customer is not consistent with associated account number. (formerly CreditorConsistency). |
| BE04 | Specification of creditor's address, which is required for payment, is missing/not correct (formerly IncorrectCreditorAddress). |
| BE06 | End customer specified is not known at associated Sort/National Bank Code or does no longer exist in the books |
| BE07 | Specification of debtor's address, which is required for payment, is missing/not correct. |
| BE10 | Debtor country code is missing or invalid |
| BE11 | Creditor country code is missing or invalid |
| BE16 | Debtor or Ultimate Debtor identification code missing or invalid |
| BE17 | Creditor or Ultimate Creditor identification code missing or invalid |
| CRD0001 | Required data element missing |
| CRD0002 | Invalid length |
| CRD0003 | Invalid value |
| CRD0004 | Amount format error |
| CRD0005 | Date format error |
| CRD0006 | Account format error |
| CRD0007 | Name format error |
| CRD0008 | Other format error |
| CRD0009 | Inconsistent data with POS data code |
| CRD0010 | Inconsistent data with original request |
| CRD0011 | Other inconsistent data |
| CRD0012 | Recurring data error |
| CRD0013 | Customer vendor format error |
| CRD6000 | There is a problem processing this request due to technical difficulties |
| CRD6001 | Duplicate of processing idempotent request |
| CRD6002 | Invalid message |
| CRD6004 | Client Error |
| CRD6005 | Contact your Visa production support for investigation and assistance. Recommend not to re-post transaction and check settlement report |
| CRD6007 | Timed out with gateway |
| CRD6009 | Conflicting idempotent request |
| CRD6010 | The request cannot be processed as another request with same uniqueness details is already processing |
| CRD6011 | The request cannot be processed as another request with same uniqueness details is already exists |
| CRD6012 | Message does not exist |
| CRD6013 | Dependent transaction does not exist |
| CRD6014 | Dependent transaction still processing |
| CRD6015 | Dependent transaction not approved |
| CRD6017 | Received invalid response from gateway |
| CRD6018 | Details are not matching with the dependent transaction |
| CRD6019 | Contact your Visa production support for investigation and assistance |
| CRD6020 | Transaction is rejected by the gateway |
| CRD6021 | Unable to find any participating network information for the provided account. |
| CRD6022 | The network is not configured. |
| CRD6023 | The card type of the provided account is not configured. |
| CRD6024 | Selected operation is not supported. |
| CRD6025 | There is a problem processing this request due to technical difficulties. Please try again after some time. |
| CRD6026 | Timeout occurred with the gateway for the non-financial transaction. |
| CRD6027 | Timeout occurred between the gateway and its dependent service while processing the non-financial transaction. |
| CRD6028 | Received invalid response from the gateway for the non-financial transaction. |
| CRD6029 | Received system error response from the gateway for the non-financial transaction. |
| CRD6030 | The non-financial transaction is still being processed by the gateway. |
| CRDAVS | Card Address verification failed |
| CRDCVV | Card CVV verification failed |
| DS04 | The order was rejected by the bank side (for reasons concerning content) |
| DS0H | Signer is not allowed to sign for this account. |
| DS24 | Waiting time expired due to incomplete order |
| DT01 | Invalid date (eg, wrong or missing settlement date) |
| DT03 | Invalid non bank processing date (eg, weekend or local public holiday) |
| DT04 | Future date not supported |
| DUPL | Payment is a duplicate of another payment |
| FF02 | Syntax error reason is provided as narrative information in the additional reason information. |
| FF08 | End to End Id missing or invalid |
| FF10 | File or transaction cannot be processed due to technical issues at the bank side |
| FF11 | Clearing request rejected due it being subject to an abort operation. |
| MD07 | End customer is deceased. |
| N0 | Force STIP |
| N3 | Cash service not available |
| N4 | Cash request exceeds issuer or approved limit |
| N5 | Ineligible for resubmission |
| N7 | Decline for CVV2 failure |
| N8 | Transaction amount exceeds preauthorized approval amount |
| NARR | Reason is provided as narrative information in the additional reason information. |
| P5 | Denied PIN unblock—PIN change or unblock request declined by issuer |
| P6 | Denied PIN change—requested PIN unsafe |
| Q1 | Card Authentication failed |
| R0 | Stop Payment Order |
| R2 | Transaction does not qualify for Visa PIN |
| R3 | Revocation of all authorizations order |
| RC01 | Bank identifier code specified in the message has an incorrect format (formerly IncorrectFormatForRoutingCode). |
| RC02 | "Bank identifier is invalid or missing.Generic usage if cannot specify between debit or credit account" |
| RC03 | Debtor bank identifier is invalid or missing |
| RC04 | Creditor bank identifier is invalid or missing |
| RC08 | "ClearingSystemMemberidentifier is invalid or missing.Generic usage if cannot specify between debit or credit account" |
| RR01 | Specification of the debtor’s account or unique identification needed for reasons of regulatory requirements is insufficient or missing |
| RR04 | Regulatory Reason |
| RR07 | Remittance information structure does not comply with rules for payment type. |
| SL01 | Due to specific service offered by the Debtor Agent. |
| SL02 | Due to specific service offered by the Creditor Agent. |
| SL12 | 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 | Due to Maximum allowed Direct Debit Transactions per period service offered by the Debtor Agent. |
| TM01 | Associated message, payment information block, or transaction was received after agreed processing cut-off time. |
| Z3 | Unable to go online; offline-declined |
| UE01 | To be used for technical errors that may clear if a message is later retried. |
| Codes | Description |
|---|---|
| R14 | The representative payee is either deceased or unable to continue in that capacity. The beneficiary is not deceased. |
| R22 | The Receiver has indicated to the RDFI that the number with which the Originator was identified is not correct. |
| R10 | The RDFI has been notified by the Receiver that the Entry is unauthorized, improper, or ineligible. |
| R29 | The RDFI has been notified by the Receiver (non-consumer) that a specific Entry has not been authorized by the Receiver. |
| R05 | CCD(Corporate Debit or Credit) or CTX(Corporate Trade Exchange) debit Entry was transmitted to a Consumer Account of the Receiver and was not authorized by the Receiver. |
| R23 | Any credit Entry that is refused by the Receiver may be returned by the RDFI. |
| R83 | Unable to Settle The IAT Entry is being returned due to settlement problems in the foreign payment system. |
| R40 | This Return Reason Code may only be used to return ENR Entries and is at the Federal Government Agency’s sole discretion. |
| R37 | The source document to which an ARC, BOC, or POP Entry relates has been presented for payment. |
| R42 | The Routing Number and the Check Digit included in Field 3 of the Addenda Record is either not a valid number or it does not conform to the Modulus 10 formula. |
| R75 | The Return Entry was not a duplicate of an Entry previously returned by the RDFI. |
| R68 | The Return Entry has not been sent within the timeframe established by these Rules. |
| R46 | The Representative Payee Indicator Code included in Field 3 of the Addenda Record has been omitted or it is not consistent with the Federal Government Agency’s records. |
| R82 | The reference used to identify the Foreign Receiving DFI of an Outbound IAT Entry is invalid. |
| R43 | The Receiver’s account number included in Field 3 of the Addenda Record must include at least one alphanumeric character. |
| R08 | The Receiver has placed a stop payment order on this debit Entry. |
| R34 | The RDFI’s participation has been limited by a federal or state supervisor. |
| R07 | The RDFI’s customer (the Receiver) revoked the authorization previously provided to the Originator for this debit Entry. |
| R85 | The RDFI/Gateway has identified the Entry as an Outbound international payment and is returning the Entry because it bears an SEC Code that lacks information required by the Gateway for OFAC compliance. |
| R31 | The RDFI may return a CCD or CTX Entry that the ODFI agrees to accept. |
| R32 | The RDFI is not able to settle the Entry. |
| R50 | The RDFI is located in a state that has not adopted Revised Article 4 of the Uniform Commercial Code (1990 Official Text) and has not revised its customer agreements to allow for Electronic presentment. OR The RDFI is located within a state that requires all canceled Checks to a specific type of account to be returned to the Receiver within the periodic statement. |
| R74 | The RDFI is correcting a previous Return Entry that was dishonored using Return Reason Code R69 (Field Errors) because it contained incomplete or incorrect information. |
| R73 | The RDFI is certifying that the original Return Entry was sent within the timeframe designated in these Rules. |
| R24 | The RDFI has received what appears to be a duplicate Entry; i.e., the trace number, date, dollar amount, and/or other data matches another transaction. |
| R30 | The RDFI does not participate in a Check truncation program. |
| R39 | The RDFI determines that: (1) The source document used for an ARC, BOC, or POP Entry to its Receiver’s account is improper, or (2) an ARC, BOC, or POP Entry and the source document to which the Entry relates have both been presented for payment and posted to the Receiver’s account. |
| R38 | The RDFI determines a stop payment order has been placed on the source document to which the ARC or BOC Entry relates. |
| R76 | The original Return Entry did not contain the errors indicated by the ODFI in the dishonored Return Entry. |
| R06 | The ODFI has requested that the RDFI return an Erroneous Entry. |
| R67 | The ODFI has received more than one Return for the same Entry. |
| R70 | 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. |
| R45 | The name of the consumer or company provided in Field 3 of the Addenda Record either does not match a corresponding name in the Federal Government Agency’s records or fails to include at least one alphanumeric character. |
| R44 | The Individual ID Number/ Identification Number provided in Field 3 of the Addenda Record does not match a corresponding ID number in the Federal Government Agency’s records. |
| R21 | The identification number used in the Company Identification Field is not valid. |
| R80 | The IAT Entry is being returned due to one or more of the following conditions: invalid DFI/Bank Branch Country Code. |
| R81 | 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. |
| R61 | The financial institution preparing the Return Entry (the RDFI of the original Entry) has placed the incorrect Routing Number in the Receiving DFI Identification field. |
| R71 | The financial institution preparing the dishonored Return Entry (the ODFI of the original Entry) has placed the incorrect Routing Number in the Receiving DFI Identification field. |
| R47 | The Entry is a duplicate of an Automated Enrollment Entry previously initiated by a DFI. |
| R18 | The effective Entry date for a credit Entry is more |
| R72 | The dishonored Return Entry has not been sent within the designated timeframe. |
| R28 | The Check digit for a routing number is not valid. |
| R01 | The available and/or cash reserve balance is not sufficient to cover the dollar value of the debit Entry. |
| R03 | The account number structure is valid and it passes the Check digit validation, but the account number does not correspond to the individual identified in the Entry, or the account number designated is not an existing account. |
| R04 | The account number structure is not valid. The Entry may fail the Check digit validation or may contain an incorrect number of digits. |
| R27 | Original Entry Trace Number is not present in the Addenda Record on a Return or Notification of Change Entry; or Trace Number of an Addenda Record is not the same as the Trace Number of the preceding Entry Detail Record. |
| R69 | One or more of the field requirements are incorrect. |
| R53 | In addition to an RCK Entry, the item to which the RCK Entry relates has also been presented for payment. |
| R84 | For Outbound IAT Entries, the Entry has not been processed and is being returned at the Gateway’s discretion because either (1) the processing of such Entry may expose the Gateway to excessive risk, or (2) the foreign payment system does not support the functions needed to process the transaction. |
| R17 | Field(s) cannot be processed by RDFI. |
| R26 | Erroneous data or missing data in a mandatory field. |
| R33 | Entry: This Return Reason Code may only be used to return XCK Entries and is at the RDFI’s sole discretion. |
| R51 | Entry is Ineligible or RCK Entry is Improper. An RCK Entry considered to be ineligible or improper. |
| R13 | Entry contains a Receiving DFI Identification or Gateway Identification that is not a valid ACH routing number. |
| R52 | Entry: A stop payment order has been placed on the item to which the RCK Entry relates. |
| R41 | Either the Transaction Code included in Field 3 of the Addenda Record does not conform to the ACH Record Format Specifications contained in Appendix Three (ACH Record Format Specifications) or it is not appropriate with regard to an Automated Enrollment Entry. |
| R15 | Deceased: The beneficiary is deceased, or the account holder is deceased. |
| R35 | Debit Entries (with the exception of Reversing Entries) are not permitted for CIE Entries or to loan accounts. |
| R19 | Amount field is not zero in a Prenotification, DNE, ENR, Notification of Change, refused Notification of Change, or zero dollar CCD, CTX, or IAT Entry. Amount field is zero in an Entry other than a Prenotification, DNE, ENR, Notification of Change, Return, dishonored Return, contested dishonored Return, or zero dollar CCD, CTX, or IAT Entry. Amount field is greater than $25,000 for ARC, BOC, POP Entries. |
| R25 | Addenda Type Code is invalid, out of sequence, or missing, Number of Addenda Records exceeds allowable maximum, Addenda Sequence Number is invalid. |
| R20 | ACH Entry to a non-Transaction Account. |
| R36 | ACH credit Entries (with the exception of Reversing Entries) are not permitted for use with ARC, BOC, POP, RCK, TEL, WEB, and XCK. |
| R16 | Access to the account is restricted due to specific action taken by the RDFI or by legal action. |
| R09 | A sufficient ledger balance exists to satisfy the dollar value of the transaction, but the available balance is below the dollar value of the debit Entry. |
| R02 | A previously active account has been closed by action of the customer or the RDFI. |
| R12 | A financial institution received an Entry to an account that was sold to another financial institution. |
| Code | Description |
|---|---|
| GLOBAL.IBAN | Global iban |
| ATBLZ | Bank Branch code used in Austria |
| AUBSB | Bank Branch code used in Australia |
| CACPA | Bank Branch code used in Canada |
| CHBCC | Financial Institution Identification (IID) used in Switzerland, without check digit |
| CHSIC | Financial Institution Identification (IID) used in Switzerland, including check digit |
| CNAPS | Bank Branch code used in China |
| DEBLZ | Bank Branch code used in Germany |
| ESNCC | Bank Branch code used in Spain |
| GBDSC | Bank Branch code used in the UK |
| GRBIC | Bank Branch code used in Greece |
| HKNCC | Bank Branch code used in Hong Kong |
| IENCC | Bank Branch code used in Ireland |
| INFSC | Bank Branch code used in India |
| ITNCC | Bank Branch code used in Italy |
| JPZGN | Bank Branch code used in Japan |
| NZNCC | Bank Branch code used in New Zealand |
| PLKNR | Bank Branch code used in Poland |
| PTNCC | Bank Branch code used in Portugal |
| RUCBC | Bank Branch code used in Russia |
| SESBA | Bank Branch code used in Sweden |
| SGIBG | Bank Branch code used in Singapore |
| THCBC | Bank Identification code used in Thailand |
| TWNCC | Bank Branch code used in Taiwan |
| USABA | Routing Transit number assigned by the ABA for US financial institutons |
| USPID | Bank identifier used by CHIPs in the US |
| ZANCC | Bank Branch code used in South Africa |
| Code | Description |
|---|---|
| BKDF | Delayed draw funding. Certain issuers may utilize delayed draw loans whereby the lender is committed to fund cash within a specified period once a call is made by the issuer. The lender receives a fee for entering into such a commitment |
| BKFE | Bank loan fees. Cash activity related to specific bank loan fees, including (a) agent / assignment fees; (b) amendment fees; (c) commitment fees; (d) consent fees; (e) cost of carry fees; (f) delayed compensation fees; (g) facility fees; (h) fronting fees; (i) funding fees; (j) letter of credit assignment fees |
| BKFM | Bank loan funding memo. Net cash movement for the loan contract final notification when sent separately from the loan contract final notification instruction. |
| BKIP | Accrued interest payments. Specific to bank loans. |
| BKPP | Principal paydowns. Specific to bank loans |
| CBLK | A Service that is settling money for a bulk of card transactions, while referring to a specific transaction file or other information like terminal ID, card acceptor ID or other transaction details. |
| CDCB | Purchase of Goods and Services with additional Cash disbursement at the POI (Cashback) |
| CDCD | ATM Cash Withdrawal in an unattended or Cash Advance in an attended environment (POI or bank counter) |
| CDCS | ATM Cash Withdrawal in an unattended or Cash Advance in an attended environment (POI or bank counter) with surcharging. |
| CDDP | "A combined service which enables the card acceptor to perform an authorisation for a temporary amount and a completion for the final amount within a limited time frame. Deferred Payment is only available in the unattended environment.Examples where this service is widely used are unattended petrol pumps and phone booths" |
| CDOC | A service which allows the card acceptor to effect a credit to a cardholder' account. Unlike a Merchant Refund, an Original Credit is not preceded by a card payment. This service is used for example for crediting winnings from gaming. |
| CDQC | Purchase of Goods which are equivalent to cash like coupons in casinos. |
| ETUP | Transaction is related to a Service that is first reserving money from a card account and then is loading an e-purse application by this amount. |
| FCOL | A Service that is settling card transaction related fees between two parties. |
| MTUP | A Service that is first reserving money from a card account and then is loading a prepaid mobile phone amount by this amount. |
| ACCT | Transaction moves funds between 2 accounts of same account holder at the same bank. |
| CASH | Transaction is a general cash management instruction. |
| COLL | Transaction is a collection of funds initiated via a credit transfer or direct debit. |
| CSDB | Transaction is related to cash disbursement. |
| DEPT | Transaction is releted to a payment of deposit. |
| INTC | Transaction is an intra-company payment, ie, a payment between two companies belonging to the same group. |
| LIMA | Bank initiated account transfer to support zero target balance management, pooling or sweeping. |
| NETT | Transaction is related to a netting operation. |
| BFWD | Cash collateral related to any securities traded out beyond 3 days which include treasury notes, JGBs and Gilts. |
| CCIR | Cash Collateral related to a Cross Currency Interest Rate Swap, indicating the exchange of fixed interest payments in one currency for those in another. |
| CCPC | Cash Collateral associated with an ISDA or Central Clearing Agreement that is covering the initial margin requirements for OTC trades clearing through a CCP. |
| CCPM | Cash Collateral associated with an ISDA or Central Clearing Agreement that is covering the variation margin requirements for OTC trades clearing through a CCP. |
| CCSM | CCP Segregated initial margin: Initial margin on OTC Derivatives cleared through a CCP that requires segregation |
| CRDS | Cash collateral related to trading of credit default swap. |
| CRPR | Cash collateral related to a combination of various types of trades. |
| CRSP | Cash collateral related to cash lending/borrowing; letter of Credit; signing of master agreement. |
| CRTL | Cash collateral related to opening of a credit line before trading. |
| EQPT | Cash collateral related to trading of equity option (Also known as stock options). |
| EQUS | Cash collateral related to equity swap trades where the return of an equity is exchanged for either a fixed or a floating rate of interest. |
| EXPT | Cash collateral related to trading of an exotic option for example a non-standard option. |
| EXTD | Cash collateral related to trading of exchanged traded derivatives in general (Opposite to Over the Counter (OTC)). |
| FIXI | Cash collateral related to a fixed income instrument |
| FWBC | Cash collateral payment against a Master Forward Agreement (MFA) where the cash is held in a segregated account and is not available for use by the client. Includes any instruments with a forward settling date such TBAs, repurchase agreements and bond forwards |
| FWCC | Cash collateral payment against a Master Forward Agreement (MFA) where the cash is owned and may be used by the client when returned. Includes any instruments with a forward settling date such TBAs, repurchase agreements and bond forwards |
| FWSB | Any cash payment related to the collateral for a Master Agreement forward, which is segregated, and not available for use by the client. Example master agreement forwards include TBA, repo and Bond Forwards. |
| TRCP | Cash collateral related to a combination of treasury-related exposure types. |
| FWSC | Any cash payment related to the collateral for a Master agreement forward, which is owned by the client and is available for use by the client when it is returned to them from the segregated account. Example master agreement forwards include TBA, repo and Bond Forwards. |
| MARG | "Daily margin on listed derivatives – not segregated as collateral associated with an FCM agreement. Examples include listed futures and options margin payments; premiums for listed options not covered in the MT54X message" |
| MBSB | MBS Broker Owned Segregated (40Act/Dodd Frank) Cash Collateral - Any cash payment related to the collateral for a Mortgage Back Security, which is segregated, and not available for use by the client. |
| MBSC | MBS Client Owned Cash Segregated (40Act/Dodd Frank) Cash Collateral - Any cash payment related to the collateral for a Mortgage Back Security, which is owned by the client and is available for use by the client when it is returned to them from the segregated account |
| MGCC | Initial futures margin. Where such payment is owned by the client and is available for use by them on return |
| MGSC | Margin Client Owned Segregated Cash Collateral - Any cash payment related to the collateral for initial futures margin, which is owned by the client and is available for use by the client when it is returned to them from the segregated account. |
| OCCC | Client owned collateral identified as eligible for OCC pledging |
| OPBC | Cash collateral payment for OTC options associated with an FCM agreement. Where such payment is segregated and not available for use by the client |
| OPCC | Cash collateral payment for OTC options associated with an FCM agreement. Where such payment is not segregated and is available for use by the client upon return |
| OPSB | Option Broker Owned Segregated Cash Collateral - Any cash payment related to the collateral for an OTC option, which is segregated, and not available for use by the client. |
| OPSC | Option Client Owned Cash Segregated Cash Collateral - Any cash payment related to the collateral for an OTC option, which is owned by the client and is available for use by the client when it is returned to them from the segregated account |
| OPTN | Cash collateral related to trading of option on Foreign Exchange. |
| OTCD | Cash collateral related to Over-the-counter (OTC) Derivatives in general for example contracts which are traded and privately negotiated. |
| REPO | Cash collateral related to a repurchase agreement transaction. |
| RPBC | "Bi-lateral repo broker owned collateral associated with a repo master agreement – GMRA or MRA Master Repo Agreements" |
| RPCC | Repo client owned collateral associated with a repo master agreement – GMRA or MRA Master Repo Agreements |
| RPSB | Bi-lateral repo broker owned segregated cash collateral associated with a repo master agreement |
| RPSC | Repo client owned segregated collateral associated with a repo master agreement |
| RVPO | Cash collateral related to a reverse repurchase agreement transaction. |
| SBSC | Cash collateral related to a Securities Buy Sell Sell Buy Back |
| SCIE | Cash collateral related to Exotic single currency interest rate swap. |
| SCIR | Cash collateral related to Single Currency Interest Rate Swap. |
| SCRP | Cash collateral related to Combination of securities-related exposure types. |
| SHBC | Short Sale broker owned collateral associated with a prime broker agreement |
| SHCC | Short Sale client owned collateral associated with a prime brokerage agreement |
| SHSL | Cash Collateral related to a Short Sell |
| SLEB | Cash collateral related to Securities lending and borrowing. |
| SLOA | Cash collateral related to a Secured loan. |
| SWBC | "Cash collateral payment for swaps associated with an ISDA agreement. . Where such payment is segregated and not available for use by the client. Includes any cash collateral payments made under the terms of a CSA agreement for instruments such as swaps and FX forwards." |
| SWCC | "Cash collateral payment for swaps associated with an ISDA agreement. Where such payment is not segregated and is available for use by the client upon return. Includes any cash collateral payments made under the terms of a CSA agreement for instruments such as swaps and FX forwards." |
| SWPT | Cash collateral related to an option on interest rate swap. |
| SWSB | "Swaps Broker Owned Segregated Cash Collateral - Any cash payment related to the collateral for Swap margin , which is segregated, and not available for use by the client. This includes any collateral identified in a CSA agreement such as Swap or FX Forward collateral." |
| SWSC | "Swaps Client Owned Segregated Cash Collateral - Any cash payment related to the collateral for Swap margin, which is owned by the client and is available for use by the client when returned from the segregated account. This includes any collateral identified in a CSA agreement such as Swap or FX Forward collateral." |
| TBAS | Cash collateral related to a To Be Announced (TBA) |
| TBBC | Cash collateral payment (segregated) for TBA securities associated with a TBA Master Agreement. Where such payment is segregated and not available for use by the client. |
| TBCC | Cash collateral payment (for use by client)for TBA securities associated with a TBA Master Agreement. Where such payment is not segregated and is available for use by the client upon return. |
| AGRT | Transaction is related to the agricultural domain. |
| AREN | Transaction is related to a payment associated with an Account Receivable Entry |
| BEXP | Transaction is related to a payment of business expenses. |
| BOCE | Transaction is related to a payment associated with a Back Office Conversion Entry |
| COMC | Transaction is related to a payment of commercial credit or debit. (formerly CommercialCredit) |
| CPYR | Transaction is payment of copyright. |
| GDDS | Transaction is related to purchase and sale of goods. |
| GDSV | Transaction is related to purchase and sale of goods and services. |
| GSCB | Transaction is related to purchase and sale of goods and services with cash back. |
| LICF | Transaction is payment of a license fee. |
| MP2B | A service which enables a user to use an app on its mobile to pay a merchant or other business payees by initiating a payment message. Within this context, the account information or an alias of the payee might be transported through different channels to the app, for example QR Code, NFC, Bluetooth, other Networks. |
| POPE | Transaction is related to a payment associated with a Point of Purchase Entry. |
| ROYA | Transaction is the payment of royalties. |
| SCVE | Transaction is related to purchase and sale of services. |
| SERV | Transaction is related to service charges charged by a service provider. |
| SUBS | Transaction is related to a payment of information or entertainment services either in printed or electronic form. |
| SUPP | Transaction is related to a payment to a supplier. |
| TRAD | Transaction is related to a trade services operation. |
| CHAR | Transaction is a payment for charity reasons. |
| COMT | Transaction is a payment used by a third party who can collect funds to pay on behalf of consumers, ie credit counseling or bill payment companies. |
| MP2P | A service which enables a user to use an app on its mobile to initiate moving funds from his/her bank account to another person’s bank account while not using the account number but an alias information like an MSISDN as account addressing information in his/her app. |
| ECPG | E-Commerce payment with payment guarantee of the issuing bank. |
| ECPR | E-Commerce payment return. |
| ECPU | E-Commerce payment without payment guarantee of the issuing bank. |
| EPAY | Transaction is related to ePayment. |
| CLPR | Transaction is a payment of car loan principal payment. |
| COMP | Transaction is related to the payment of a compensation relating to interest loss/value date adjustment and can include fees. |
| DBTC | Collection of funds initiated via a debit transfer. |
| GOVI | Transaction is related to a payment of government insurance. |
| HLRP | Transaction is related to a payment of housing loan. |
| HLST | Transaction is related to the settlement of a home loan. |
| INPC | Transaction is a payment of car insurance premium. |
| INPR | Transaction is related to an insurance premium refund. |
| INSC | Transaction is related to the payment of an insurance claim. |
| INSU | Transaction is payment of an insurance premium. |
| INTE | Transaction is payment of interest. |
| LBRI | Transaction is a payment of labor insurance. |
| LIFI | Transaction is a payment of life insurance. |
| LOAN | Transaction is related to transfer of loan to borrower. |
| LOAR | Transaction is related to repayment of loan to lender. |
| PENO | Payment based on enforcement orders except those arising from judicial alimony decrees. |
| PPTI | Transaction is a payment of property insurance. |
| RELG | Transaction is for general rental/lease. |
| RINP | Transaction is related to a payment of a recurring installment made at regular intervals. |
| TRFD | Transaction is related to a payment of a trust fund. |
| FORW | FX trades with a value date in the future. |
| FXNT | FX netting if cash is moved by separate wire instead of within the closing FX instruction |
| ADMG | Transaction is related to a payment associated with administrative management. |
| ADVA | Transaction is an advance payment. |
| BCDM | Transaction is the payment of a domestic bearer cheque. |
| BCFG | Transaction is the payment of a foreign bearer cheque. |
| BLDM | Transaction is related to a payment associated with building maintenance. |
| BNET | Bond Forward pair-off cash net movement |
| CBFF | Transaction is related to capital building fringe fortune, ie capital building in general |
| CBFR | Transaction is related to capital building fringe fortune for retirement |
| CCRD | Transaction is related to a payment of credit card account. |
| CDBL | Transaction is related to a payment of credit card bill. |
| CFEE | Transaction is related to a payment of cancellation fee. |
| IPPS | Transaction in which the amount is available to the payee immediately, done at POS. |
| CGDD | Transaction is related to a direct debit where the mandate was generated by using data from a payment card at the point of sale. |
| CORT | Transaction is related to settlement of a trade, e.g. a foreign exchange deal or a securities transaction. |
| COST | Transaction is related to payment of costs. |
| CPKC | Transaction is related to carpark charges. |
| DCRD | Transaction is related to a debit card payment. |
| DSMT | Transaction is the payment of a disbursement due to a specific type of printed order for a payment of a specified sum, issued by a bank or a post office (Zahlungsanweisung zur Verrechnung) |
| DVPM | Code used to pre-advise the account servicer of a forthcoming deliver against payment instruction. |
| EDUC | Transaction is related to a payment of study/tuition fees. |
| FACT | Payment related to a factor update |
| FAND | Financial aid by State authorities for abolition of consequences of natural disasters. |
| FCPM | Transaction is the payment for late fees & charges. E.g Credit card charges |
| FEES | Payment of fees/charges. |
| GOVT | Transaction is a payment to or from a government department. |
| ICCP | Transaction is reimbursement of credit card payment. |
| IDCP | Transaction is reimbursement of debit card payment. |
| IHRP | Transaction is payment for an installment/hire-purchase agreement. |
| INSM | Transaction is related to a payment of an installment. |
| IVPT | Transaction is the payment for invoices. |
| MCDM | Transaction is the payment of a domestic multi-currency cheque |
| MCFG | Transaction is the payment of a foreign multi-currency cheque |
| MSVC | Transaction is related to a payment for multiple service types. |
| NOWS | Transaction is related to a payment for type of services not specified elsewhere. |
| OCDM | Transaction is the payment of a domestic order cheque |
| OCFG | Transaction is the payment of a foreign order cheque |
| OFEE | Transaction is related to a payment of opening fee. |
| OTHR | Other payment purpose. |
| PADD | Transaction is related to a pre-authorized debit origination |
| PTSP | Transaction is related to payment terms specifications |
| RCKE | Transaction is related to a payment associated with a re-presented check entry |
| RCPT | Transaction is related to a payment of receipt. |
| REBT | Transaction is the payment of a rebate. |
| REFU | Transaction is the payment of a refund. |
| RENT | Transaction is the payment of rent. |
| REOD | Transaction is for account overdraft repayment |
| RIMB | Transaction is related to a reimbursement of a previous erroneous transaction. |
| RPNT | Bi-lateral repo interest net/bulk payment at rollover/pair-off or other closing scenarios where applicable |
| RRBN | Cash payment resulting from a Round Robin |
| RRCT | Transaction is related to a reimbursement for commercial reasons of a correctly received credit transfer. |
| RVPM | Code used to pre-advise the account servicer of a forthcoming receive against payment instruction. |
| SLPI | Transaction is payment of a well formatted payment slip. |
| SPLT | "Split payments. To be used when cash and security movements for a security trade settlement are instructed separately." |
| STDY | Transaction is related to a payment of study/tuition costs. |
| TBAN | TBA pair-off cash wire net movement |
| TBIL | Transaction is related to a payment of telecommunications related bill. |
| TCSC | Transaction is related to a payment associated with charges levied by a town council. |
| TELI | Transaction is related to a payment initiated via telephone. |
| TMPG | Cash payment resulting from a TMPG Claim |
| TPRI | Tri-Party Repo related interest |
| TPRP | Tri-party Repo related net gain/loss cash movement |
| TRNC | Transaction is payment of a beneficiary prefilled payment slip where beneficiary to payer information is truncated. |
| TRVC | Transaction is the payment of a travellers cheque |
| WEBI | Transaction is related to a payment initiated via internet. |
| IPAY | Transaction in which the amount is available to the payee immediately. |
| IPCA | Transaction in which the Return of the amount is fully returned. |
| IPDO | Transaction in which the amount is available to the payee immediately, done for donations, with sending the address data of the payer. |
| IPEA | Transaction in which the amount is available to the payee immediately, done in E-commerce, without sending the address data of the payer. |
| IPEC | Transaction in which the amount is available to the payee immediately, done in E-commerce, with sending the address data of the payer. |
| IPEW | Transaction in which the amount is available to the payee immediately, done in E-commerce. |
| IPRT | Transaction in which the Return of the amount is fully or partial returned. |
| IPU2 | Transaction is made via an unattending vending machine by using 2-factor-authentification. |
| IPUW | Transaction is made via an unattending vending machine by without using 2-factor-authentification. |
| ANNI | Transaction settles annuity related to credit, insurance, investments, other.n |
| CAFI | Transaction is the payment of custodian account management fee where custodian bank and current account servicing bank coincide |
| CFDI | Transaction is the payment of capital falling due where custodian bank and current account servicing bank coincide |
| Code | Description |
|---|---|
| MW-00-000001 | Unable to perform all necessary checks. Might encounter errors whle processing the payment. |
| MW-00-000002 | Unable to perform all necessary checks. Might encounter errors whle processing the payment. |
| MW-00-000003 | Unable to perform all necessary checks. Might encounter errors whle processing the payment. |
| MW-00-000004 | Payment processing might encounter errors at bank core service. |
| MW-00-000005 | There seems to be configuration issue, Please contact support. |
| MW-00-000006 | Payment might be rejected because of invalid source account details. |
| MW-00-000007 | Unable to perform all necessary checks. Might encounter errors whle processing the payment. |
| MW-00-000008 | Payment might be rejected because of invalid account type. |
| MW-00-000009 | Unable to perform all necessary checks. Might encounter errors whle processing the payment. |
| MW-00-000010 | Payment could not be processed because of unavailability of payment network in specified window. |
| MW-00-000011 | Payment amount is below the minimum debit rule. |
| MW-00-000012 | Payment amount is avove the maximum debit rule. |
| MW-00-000013 | Payment limit has reached to the maximum in a day, week or month. |
| MW-00-000014 | Payment count limit has reached the maximum no of txn in a day, week or month. |
| MW-00-000015 | Payment might be rejected because of hold on source account. |
| MW-00-000016 | Payment might be rejected because of hold on destination account. |
| MW-00-000017 | Payment might be rejected because of risk check failure. |
| MW-00-000018 | Unable to perform all necessary checks. Might encounter errors whle processing the payment. |
| MW-00-000019 | Payment might be rejected because of invalid creditor account. |
| MW-00-000020 | Payment might be rejected because of possible risk on creditor account. |
| MW-00-000021 | Payment might be rejected because of risk check failure. |
| MW-00-000022 | Payment amount is less than the minimum allowed amount. |
| MW-00-000023 | Payment amount is more than the maximum allowed amount. |
| MW-00-000024 | Payment might be rejected because of transaction not allowed on source account. |
| MW-00-000025 | Payment might be rejected because of insufficient funds. |
| MW-00-000026 | Payment might be rejected because of invalid source (debtor) account. |
| MW-00-000027 | Payment might be rejected because of source (debtor) account is dormant. |
| MW-00-000028 | Payment might be rejected because of specified transaction type is blocked. |
| MW-00-000029 | Payment might be rejected because of invalid source (debtor) account type. |
| MW-00-000030 | Payment might be rejected because of unavailability of bank core. |
| MW-00-000031 | Payment might be rejected because of invalid destination (creditor) account type. |
| MW-00-000032 | Payment might be rejected because of creditor account type. |
| MW-00-000033 |
| Transaction Code | Description |
|---|---|
| 20 | Reserved |
| 21 | Return or Notification of Change for original Transaction Code 22, 23, or 24 |
| 22 | Demand Credit |
| 23 | Prenotification of Demand Credit; Death Notification (non-dollar); Automated Enrollment Entry (non-dollar) |
| 24 | Zero dollar with remittance data (for CCD, CTX, and IAT Entries only); Acknowledgment Entries (ACK and ATX Entries only) |
| 25 | Reserved |
| 26 | Return or Notification of Change for original Transaction Code 27, 28, or 29 |
| 27 | Demand Debit |
| 28 | Prenotification of Demand Debit (non-dollar) |
| 29 | Zero dollar with remittance data (for CCD, CTX, and IAT Entries only) |
| 30 | Reserved |
| 31 | Return or Notification of Change for original Transaction Code 32, 33, or 34 |
| 32 | Savings Credit |
| 33 | Prenotification of Savings Credit; Death Notification (non-dollar); Automated Enrollment Entry (non-dollar) |
| 34 | Zero dollar with remittance data (for CCD, CTX, and IAT Entries only); Acknowledgment Entries (ACK and ATX Entries only) |
| 35 | Reserved |
| 36 | Return or Notification of Change for original Transaction Code 37, 38, or 39 |
| 37 | Savings Debit |
| 38 | Prenotification of Savings Debit (non-dollar) |
| 39 | Zero dollar with remittance data (for CCD, CTX, and IAT Entries only) |
| 41 | Return or Notification of Change for original Transaction Code 42, 43, or 44 |
| 42 | General Ledger Credit |
| 43 | Prenotification of General Ledger Credit (non-dollar) |
| 44 | Zero dollar with remittance data (for CCD and CTX Entries only) |
| 46 | Return or Notification of Change for original Transaction Code 47, 48, or 49 |
| 47 | General Ledger Debit |
| 48 | Prenotification of General Ledger Debit (non-dollar) |
| 49 | Zero dollar with remittance data (for CCD and CTX only) |
| 51 | Return or Notification of Change for original Transaction Code 52, 53, or 54 |
| 52 | Loan Account Credit |
| 53 | Prenotification of Loan Account Credit (non-dollar) |
| 54 | Zero dollar with remittance data (for CCD and CTX Entries only) |
| 55 | Loan Account Debit (Reversals Only) |
| 56 | Return or Notification of Change for original Transaction Code 55 |
| 81 | Credit for ACH debits originated |
| 82 | Debit for ACH credits originated |
| 83 | Credit for ACH credits received |
| 84 | Debit for ACH debits received |
| 85 | Credit for ACH credits in Rejected batches |
| 86 | Debit for ACH debits in Rejected batches |
| 87 | Summary credit for respondent ACH activity |
| 88 | Summary debit for respondent ACH activity |
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