Global Payments status responses and error codes

PENDING 

The request was initiated successfully, and is being processed by J.P. Morgan. The status will remain as PENDING until an event occurs to change the status.

REJECTED

The request failed J.P. Morgan controls (e.g., sanctions, funds control, qualification), or the request was rejected by the Clearing House due to recipient account issues, incorrect instruction, or an unverified recipient.

WAREHOUSED

The request was successfully received. The request will be processed on the requested execution date.

COMPLETED

The funds were successfully credited to the recipient’s payment method.

RETURNED

The funds were successfully credited to the client’s account. This is not a regular payment status.

PEND_POSTING

The preceding checks such as the technical validation and customer profile were successful and therefore the payment instruction was accepted for execution. The status remains PENDING_POSTING until an event occurs to change the status.

10001

• Bank identifier code specified in the message has an incorrect format
• Bank identifier is invalid or missing
• Branch code is invalid or missing
• Creditor Agent BIC and IBAN Mismatch
• Creditor BIC identifier is invalid or missing.
• Currency of the payment is incorrect.
• Debtor BIC identifier is invalid or missing.
• Error in a Mandatory field.
• Error occurred on %FIELD_NAME_1%
• Incorrect amount. The amount specified in the Return does not match the amount in the original transaction.
• Processing Exception. Please contact your regional help desk.
• Transaction is not unique

• AC01
• AC02
• AC03
• AC08
• AC09
• AM11
• AM12
• BE16
• BE22
• CH21
• DU03
• FF08
• RC01
• RC02
• RC03
• RC04
• RC05
• RR01

10004

• Error occurred on %FIELD_NAME_1%
• Error occurred on %FIELD_NAME_1% - requestedExecutionDate

• CH03
• CH04
• DT01
• DT04

10005

• Error occurred on %FIELD_NAME_1%
• Transaction amount exceeds limits agreed between bank and client.

• AM02
• AM13
• AM14
• AM21
•  AM23

10006

Error occurred on %FIELD_NAME_1%

• AM01
• AM06
• AM15

10008

• Content Remittance Information/Structured includes more than 140 characters
• Error occurred on %FIELD_NAME_1%
• Incorrect account type
• Invalid country code
• ·QR Code Expired
• QR Status Inactive

• AC10
• AC11
• AC12
• AC13
• AC14
•  BE23
• CH15
• CH16
• DUPL
• FF07
• RR07
• XT73

10009

• Error occurred on %FIELD_NAME_1%
• Proxy ID Not Active

• BE15
• BE23
• RR06

10010

Error occurred on %FIELD_NAME_1%

• BE08
• BE17
• BE18
• BE21
• RR02
• RR03

11000

Clearing process aborted due to timeout

AB01

11000

Clearing process aborted due to a fatal error

AB02

11000

TCH Message - Central Switch (RTP) service is suspended

AB02

11000

TCH Message - Central Switch (RTP) system malfunction

AB02

11000

Settlement aborted due to timeout

AB03

11000

Settlement process aborted due to a fatal error

AB04

11000

Transaction stopped due to timeout at the Creditor Agent

AB05

11000

Transaction stopped due to timeout at the Instructed Agent

AB06

11000

Agent of message is not online

AB07

11000

TCH Message - Instructed Agent signed-off

AB07

11000

TCH Message - Instructing Agent signed-off

AB07

11000

TCH Message - Recipient connection is not available

AB07

11000

Creditor Agent is not online

AB08

11000

Transaction stopped due to error at the Creditor Agent

AB09

11000

Transaction stopped due to error at the Instructed Agent

AB10

11000

Account number specified has been closed on the bank of account's books

AC04

11000

Debtor account number closed

AC05

11000

Account specified is blocked, prohibiting posting of transactions against it

AC06

11000

Creditor account number closed

AC07

11000

Transaction forbidden on this type of account (formerly NoAgreement)

AG01

11000

Bank Operation code specified in the message is not valid for receiver

AG02

11000

Transaction type not supported/authorized on this account

AG03

11000

Agent country code is missing or invalid

AG04

11000

Debtor agent country code is missing or invalid

AG05

11000

Creditor agent country code is missing or invalid

AG06

11000

Debtor account cannot be debited for a generic reason

AG07

11000

Original payment never received

AG09

11000

Agent of message is suspended from the Real Time Payment system

AG10

11000

TCH Message - Instructed Agent Funding Account suspended

AG10

11000

TCH Message - Instructed Agent suspended

AG10

11000

TCH Message - Instructing Agent Funding Account suspended

AG10

11000

TCH Message - Instructing Agent suspended

AG10

11000

Creditor Agent of message is suspended from the Real Time Payment system

AG11

11000

Payment orders made by transferring funds from one account to another at the same financial institution (bank or payment institution) are not allowed

AG12

11000

Returned payments derived from previously returned transactions are not allowed

AG13

11000

Agent in the payment workflow is incorrect

AGNT

11000

Specified message amount is an non processable currency outside of existing agreement

AM03

11000

Amount of funds available to cover specified message amount is insufficient

AM04

11000

Duplication

AM05

11000

Amount received is not the amount agreed or expected

AM09

11000

Number of transactions at the Payment Information level is invalid

AM20

11000

Identification of end customer is not consistent with associated account number.

BE01

11000

Party who initiated the message is not recognised by the end customer

BE05

11000

End customer specified is not known at associated Sort/National Bank Code or does no longer exist in the books

BE06

11000

Specification of debtor’s address, which is required for payment, is missing/not correct

BE07

11000

Country code is missing or Invalid

BE09

11000

Debtor country code is missing or invalid

BE10

11000

Creditor country code is missing or invalid

BE11

11000

Country code of residence is missing or invalid

BE12

11000

Country code of debtor's residence is missing or Invalid

BE13

11000

Country code of creditor's residence is missing or Invalid

BE14

11000

Account proxy invalid

BE23

11000

Duplicate Proxy in another Bank

BE23

11000

Duplicate Proxy in Bank

BE23

11000

Phone number or email address, or any other proxy, used as the account proxy is unknown or invalid.

BE23

11000

Proxy already deregistered

BE23

11000

Proxy already suspended

BE23

11000

Proxy Other rejection reason

BE23

11000

Proxy request timeout

BE23

11000

Mandate changes are not allowed

CH09

11000

Value in Creditor Identifier is incorrect

CH11

11000

Creditor bank is not registered under this BIC in the CSM

CNOR

11000

Cancellation requested by the Debtor

CUST

11000

Debtor bank is not registered under this BIC in the CSM

DNOR

11000

An authorized user has cancelled the order

DS02

11000

The order was rejected by the bank side (for reasons concerning content)

DS04

11000

The decryption of the file was not successful

DS09

11000

Data signature for the format is not available or invalid

DS0B

11000

The signer certificate is not valid (revoked or not active)

DS0D

11000

Signer is not allowed to sign this operation type.

DS0G

11000

Signer is not allowed to sign for this account

DS0H

11000

Waiting time expired due to incomplete order

DS24

11000

Message Identification is not unique.

DU01

11000

Correspondent bank not possible

ED01

11000

Settlement of the transaction has failed

ED05

11000

Interbank settlement system not available

ED06

11000

File Format incomplete or invalid

FF01

11000

Syntax error reason is provided as narrative information in the additional reason information

FF02

11000

Payment Type Information is missing or invalid

FF03

11000

File or transaction cannot be processed due to technical issues at the bank side

FF10

11000

Clearing request rejected due it being subject to an abort operation

FF11

11000

Original payment is not eligible to be returned given its current status

FF12

11000

Following Cancellation Request

FOCR

11000

Returned as a result of fraud

FR01

11000

Fraudulent Original SCT Inst Transaction

FRAD

11000

Final Response - Repeat attempt to prior non-response

FRTR

11000

The creditor ABA is not eligible for Real Time Payments. Your payment could not be processed.

IN06

11000

The designated channel is not eligible for Real Time Payments. Your payment could not be processed.

IN12

11000

The payment has fields exceeding character limits. Please make the necessary corrections and try again.

IN14

11000

Legal Decision

LEGL

11000

No Mandate

MD01

11000

Mandate related information data required by the scheme is missing

MD02

11000

Return of funds requested by end customer

MD06

11000

End customer is deceased

MD07

11000

Final Response with indemnity

NARR

11000

TCH Message - Mapping Incompatibility between Version 1 and 2

NARR

11000

TCH Message - Missing code ‘FULL’ (full invoice amount)

NARR

11000

TCH Message - Missing Instructions for Creditor Agent Code in Zelle RFP

NARR

11000

The payment could not be processed at this time due to an unexpected error, please try again later

NARR

11000

With Indemnity Customer

NARR

11000

With Indemnity Duplicate

NARR

11000

With Indemnity Fraud

NARR

11000

With Indemnity Technical

NARR

11000

Wrong Amount with Indemnity

NARR

11000

No response from Beneficiary

NOAS

11000

TCH Message - Receiving Customer Account does not support/accept this message type

NOAT

11000

Initial SCT Inst Transaction never received

NOOR

11000

Refer to card issuer

PC01

11000

Invalid merchant

PC03

11000

Lost/stolen card

PC04

11000

Rejected

PC05

11000

Error

PC06

11000

Pick up card, special condition (fraud account)

PC07

11000

Invalid transaction

PC12

11000

Invalid amount

PC13

11000

Invalid card number

PC14

11000

No such issuer

PC15

11000

Re-enter transaction

PC19

11000

Additional customer authentication required

PC1A

11000

Format error, invalid value in message

PC30

11000

Expired Card

PC33

11000

No credit account

PC39

11000

Lost card, pick up card (fraud account)

PC41

11000

Stolen card, pick up (fraud account)

PC43

11000

Closed account

PC46

11000

Not sufficient funds

PC51

11000

No checking account

PC52

11000

No savings account

PC53

11000

Invalid Expiry Date

PC54

11000

PIN incorrect or missing

PC55

11000

Tran Not Allowed For Cardholder

PC57

11000

Transaction not permitted to terminal

PC58

11000

Suspected fraud

PC59

11000

Exceeds approval amount limit

PC61

11000

Restricted Card (card invalid in region or country)

PC62

11000

Security violation

PC63

11000

Transaction does not fulfill AML requirement

PC64

11000

Exceeds withdrawal frequency limits

PC65

11000

Verification Data Failed

PC6P

11000

PIN data required

PC70

11000

Different value than that used for PIN-entry tries exceeded

PC74

11000

Allowable number of PIN-entry exceeded

PC75

11000

Account blocked

PC78

11000

Reversed (by switch)

PC79

11000

No financial impact

PC80

11000

Cryptographic error found in PIN

PC81

11000

Negative online CAM, dCVV, iCVV, CVV, CAVV, dCVV2, TAVV, or DTW results

PC82

11000

No reason to decline

PC85

11000

Cannot verify PIN

PC86

11000

Issuer unavailable

PC91

11000

Illegal transaction cannot be completed

PC93

11000

Duplicate transmission

PC94

11000

System malfunction

PC96

11000

Force STIP

PCN0

11000

Cash Service Not Available

PCN3

11000

Cash request exceeds issuer or approved limit

PCN4

11000

Decline for CVV2 Failure

PCN7

11000

Stop this payment

PCR0

11000

Stop all future payments

PCR1

11000

Stop all merchants

PCR3

11000

Unable to go online, offline detected

PCZ3

11000

TCH Message - Invalid Participant Identification

RC04

11000

Debtor ClearingSystemMember identifier is invalid or missing

RC09

11000

Creditor ClearingSystemMember identifier is invalid or missing

RC10

11000

Transaction reference is not unique within the message

RF01

11000

Account closed

RR04

11000

Beneficiary can only be individual

RR04

11000

Credit refused by account holder

RR04

11000

Duplicate Entry

RR04

11000

Duplicate Return. The IFO has received more than one Return for one same entry.

RR04

11000

Duplicate transaction

RR04

11000

Error in the addenda record.

RR04

11000

Incorrect Originator RUT. The "Originator RUT" field in the Batch Header for the Return does not match the one specified in the Batch containing the original entry.

RR04

11000

Incorrect Receiver RUT. The "Receiver RUT" field in the Return does not match the one specified in the original entry.

RR04

11000

Incorrect Trace Number. The value in the original Trace Number field of the Return addenda record does not contain the original trace number.

RR04

11000

Incorrect transaction code. The "transaction code" associated with the Return does not match the transaction code in the original entry.

RR04

11000

Late Return. The Return was not sent by the deadlines set down in these rules.

RR04

11000

Misaddressed Return: The financial institution that prepared the Return input an correct Code for the "IFR Identifier."

RR04

11000

Multiple errors. Two or more errors in fields were found between the original entry and the Return

RR04

11000

Not enough available funds

RR04

11000

OFAC reject

RR04

11000

Ordering Account pending close

RR04

11000

Processing Exception. Please contact your regional help desk.

RR04

11000

RDFI incorrect or not a CCA member (participant)

RR04

11000

Regulatory Reason

RR04

11000

Sanctions Reject

RR04

11000

Transaction missed cut off

RR04

11000

Regulatory or Central Bank Reporting information missing, incomplete or invalid

RR05

11000

Character set supplied not valid for the country and payment type

RR10

11000

Due to a specific service offered by the clearing system

SL03

11000

The transmission of the file was not successful, it had to be aborted (for technical reasons)

TA01

11000

Technical Problem

TECH

11000

Token is invalid

TK01

11000

Token used for the sender does not exist

TK02

11000

Receiver Token Not Found

TK03

11000

Token Found with Counterparty Mismatch

TKCM

11000

Single Use Token Already Used

TKSG

11000

Token Suspended

TKSP

11000

Token Found with Value Limit Rule Violation

TKVE

11000

Token Expired

TKXP

11000

Associated message, payment information block, or transaction was received after agreed processing cut-off time

TM01

11000

Transaction Aggregate limit failure

TXNLMT01

11000

Undue Payment - Payment has been made through another payment channel (for Request for Payment expiry)

UPAY

11000

Invalid IBAN format

XD19

11000

Insufficient liquidity for processing the transaction on the System.

XT04

11000

Invalid AccptTime, Rejected by the CSM to Originator Bank upon exceeding tolerance period for the Acceptance Date&Time

XT06

11000

Invalid original transaction status, action not required

XT75

11000

Original Amount mismatch

XT77

11000

The Debtor Agent is not allowed to send SCT Inst transactions (pacs.008) and consequently to send Payment Status Request (pacs.028) and Recalls (camt.056). It is also not allowed to receive NRR and PRR.

XT79

11000

The Creditor Agent is not allowed to receive SCT Inst transactions (pacs.008) and consequently to receive Payment Status request (pacs.028) and Recalls (camt.056). It is also not allowed to send NRR and PRR.(The a admission profile "Debtor Only" currently is not implemented )

XT80

11000

Field not Permitted in SCT Inst Service

XT81

11000

Sender and/or Receiver Participants not configured for CUG/AOS usage

XT83

11000

Inconsistent Instructing Agent

XT87

13000

• Error in the Trace Number
• Uncategorized failure
• Unknown BIC in routing table

• BE04
• DU05
• FF04
• FF06
• MS02
• MS03
• NARR
• PY01
• RR09
• XT13
• XT33
• XT90

R02

This transaction code indicates the account closed.

Este código indica la cuenta cerrada o no operativa.

R03

This transaction code indicates the account does not match the specified Receiver's (holder's) RUT.

Este código indica que la cuenta no corresponde con el RUT del Receptor (titular) especificado.

R04

This transaction code indicates the account does not exist.

Este código indica que la cuenta no existe.

R07 

This transaction code indicates the authorization was revoked by the customer.

Este código indica que la autorización fue revocada por el cliente.

R13

This transaction code indicates an incorrect Institución Financiera Receptora (IFR) or an IFR that is not a CCA Participant.

Este código indica que la Institución Financiera Receptora (IFR) es incorrecta o no es un Partícipe del CCA.

R17

This transaction code indicates an edit is required. This code is required when the IFR can’t process the entry because a required or mandatory field contains an invalid value.

Este código indica que el registro necesita edición. Este código deberá usarse cuando el IFR no puede procesar la entrada debido a que un campo requerido o mandatorio contiene un valor inválido.

R18

This transaction code indicates the entry effective date is incorrect.

Este código indica que la fecha efectiva de la entrada está incorrecta.

R19

This transaction code indicates there’s an error in the amount field.

Este código indica que hay un error en el campo Monto.

R21

This transaction code indicates an invalid company RUT.

Este código indica que el Rut de la empresa (Company Identification) es inválido.

R22

This transaction code indicates an invalid individual RUT.

Este código indica que el Rut del Receptor (Individual Id.) es inválido.

10001

The mandatory field is missing or invalid.

El campo obligatorio falta o no es válido.

10002

The minimum length validation failed.

Falló la validación de longitud mínima.

10003

The maximum length validation failed.

Falló la validación de longitud máxima.

10004

The date validation failed.

Falló la validación de la fecha.

10005

The amount validation failed because the value was more than the maximum amount.

La validación del importe ha fallado porque el valor era superior al importe máximo.

10006

The amount validation failed because the value was less than the minimum.

La validación del importe ha fallado porque el valor era inferior al importe mínimo.

10007

The amount validation failed because the value included was not a number.

La validación del importe ha fallado porque el valor incluido no era un número.

10008

The validation failed because an unexpected value was provided.

La validación falló porque se proporcionó un valor inesperado.

10009

The ID provided was invalid.

El ID facilitado no es válido.

10010

The personal information validation failed.

La validación de la información personal ha fallado.

11000

The Clearing/Regulatory validation failed.

Ha fallado la validación de Compensación/Regulación.

12000

A system error occurred.

Ha ocurrido un error en el sistema.

13000

An uncategorized error occurred.

Se ha producido un error sin categoría.

GCA-023

Resend the request in a valid format.

Vuelva a enviar la solicitud en un formato válido.

GCA-030

This is an API processing error.

Esto es un error de procesamiento de la API.

GCA-148

Provide the debtorAccountId.

Facilitate el debtorAccountId.

GCA-149

Provide the debtorAgent.bic or clearingSystemId.

Facilitate el debtorAgent.bic o clearingSystemId.

GCA-154

The Mandatory field, paymentType, is invalid or missing.

El campo obligatorio, paymentType, no es válido o falta.

10001

Account number is invalid or missing.

10001

Debtor account number invalid or missing.

10001

Creditor account number invalid or missing.

10001

Transaction currency is invalid or missing.

10001

Amount is invalid or missing.

10001

Mandatory element is missing.

10001

Transaction is not unique.

10002

Minimum length validation failure.

10003

Maximum length validation failure.

10004

10004

Future date not supported.

10005

Transaction Amount exceeds the limit setup for the payment flow.

10005

Transaction amount exceeds limits agreed between bank and client.

10006

Payment amount is less than minimum outgoing individual payment threshold.

10008

Payment is a duplicate of another payment.

10008

Proxy scheme information is missing or invalid.

10008

Proxy Information (Account, email or phone number) is missing or invalid.

10008

Remittance information structure does not comply with rules for payment type.

10009

Proxy Information (Account, email or phone number) is invalid.

10009

Proxy Information (Account, email or phone number) is missing.

10010

Creditor does not exist.

11000

Payment timed out with the Receiving FI.

AB05

11000

Debtor account number closed.

AC05

11000

Account specified is blocked or closed, prohibiting posting of transactions against it.

AC06

11000

Creditor account number closed.

AC07

11000

Transaction forbidden on this type of account (formerly No Agreement).

AG01

11000

Transaction type not supported or authorized on this account.

AG03

11000

Debtor account cannot be debited for a generic reason.

AG07

11000

Specified message amount is an non processable currency outside of existing agreement.

AM03

11000

Amount of funds available to cover specified message amount is insufficient.

AM04

11000

Duplicate transaction.

AM05

11000

Transaction amount exceeds limits agreed between bank and client.

AM21

11000

Country code is missing or invalid.

BE09

11000

Debtor or Ultimate Debtor identification code missing or invalid.

BE16

11000

Cancellation requested by the Debtor.

CUST

11000

Order cancelled.

DS02

11000

Order rejected.

DS04 

11000

The decryption of the file was not successful.

DS09

11000

Data signature for the format is not available or invalid.

DS0B

11000

Waiting time expired.

DS24

11000

Payment Type Information is missing or invalid.

FF03

11000

End to End ID missing or invalid.

FF08

11000

File or transaction cannot be processed due to technical issues at the bank side.

FF10

11000

End customer is deceased.

MD07

11000

Not Authorized.

NAUT

11000

Debtor bank identifier is invalid or missing.

RC03

11000

Creditor bank identifier is invalid or missing.

RC04

11000

Debtor Clearing System Member identifier is invalid or missing.

RC09

11000

Creditor Clearing System Member identifier is invalid or missing.

RC10

11000

Regulatory Reason.

RR04

11000

The transmission of the file was not successful – it had to be aborted (for technical reasons).

TA01

12000

System Error.

13000

Specific transaction or message amount is greater than allowed maximum.