Appendix 2 - Return and Rejection Codes
| No: 42068309 | Date(g): 5/5/2021 | Date(h): 24/9/1442 | Status: In-Force |
This table contains the list of Return and Rejection codes that can be used in status messages. The codes can be interpreted as having the meanings shown for each code.
| Return reason codes based on payments Rejected by the RPG or Central Component | |
| Code | Explanation |
| RJ00 | System error. Contact support. |
| RJ01 | Incorrect FX Rate |
| RJ02 | Incorrect Receiving Currency amount |
| RJ03 | Invalid Value Date |
| RJ04 | Currency code wrong for Receiving country |
| RJ05 | A non working day in the Receiving Country |
| RJ06 | A non working day in the Sending Country |
| RJ07 | Invalid business day period |
| RJ08 | Invalid Receiving Direct Participant |
| RJ09 | Participant is not active |
| RJ10 | Non delivery to Receiving Domestic RTGS |
| RJ11 | FX rate is not authorized |
| RJ12 | BIC is invalid |
| RJ13 | Returned at cut-off time as not delivered |
| RJ14 | Approved FX rate not found |
| RJ15 | FX rate is absent |
| RJ16 | Payments are not allowed |
| RJ17 | No active business day found |
| RJ18 | Invalid account |
| RJ19 | Lack of funds |
| RJ20 | No direct credit found |
| RJ21 | Return period expired |
| RJ22 | Incorrect return amount |
| RJ23 | Return payment duplication |
| RJ24 | Payment was cancelled |
| RJ25 | Payment was rejected |
| RJ90 | Access rights check failed |
| Payments Returned Will be registered in AFAQ CC dictionary (which may be updated from time to time). System will validate during return processing. | |
| Code | Explanation |
| AC01 | Format of the account number specified is not correct |
| AC03 | Wrong IBAN in SCT |
| 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. |
| AC13 | Debtor account type is missing or invalid |
| AC14 | An agent in the payment chain is invalid |
| AC15 | Account details have changed |
| AC16 | Account is in sequestration |
| AC17 | Account is in liquidation |
| ADRM | Beneficiary account is dormant |
| AG01 | Transaction forbidden on this type of account (formerly No Agreement) |
| AG02 | Bank Operation code specified in the message is not valid for receiver |
| AM01 | Specified message amount is equal to zero |
| AM02 | Specific transaction/message amount is greater than allowed maximum |
| AM03 | Specified message amount is a non processable currency outside of existing agreement |
| 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 |
| AM10 | Sum of instructed amounts does not equal the control sum. |
| ARDT | Already returned original SCT |
| BACL | Beneficiary account closed |
| BALC | Beneficiary account blocked |
| BADE | Beneficiary account does not exist |
| BADC | Beneficiary account is in a different currency |
| BDIN | Beneficiary Name does not match Beneficiary account number |
| BE01 | Identification of end customer is not consistent with associated account number (formerly Creditor Consistency). |
| BE04 | Specification of creditor's address, which is required for payment, is missing/not correct (formerly Incorrect Creditor Address). |
| BE05 | Party who initiated the message is not recognized by the end customer |
| 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. |
| BE08 | Returned as a result of a bank error. |
| CN01 | Authorization is cancelled. |
| CURR | Currency of the payment is incorrect |
| CUST | Cancellation requested by the Debtor |
| DS28 | Return following technical problems resulting in erroneous transaction. |
| DT01 | Invalid date (eg, wrong settlement date) |
| ED01 | Correspondent bank not possible. |
| ED03 | Balance of payments complementary info is requested |
| ED05 | Settlement of the transaction has failed. |
| ERIN | The Extended Remittance Information (ERI) option is not supported. |
| FF05 | Local Instrument code is missing or invalid |
| FOCR | Return following a cancellation request |
| FR01 | Returned as a result of fraud. |
| FRTR | Final response/tracking is recalled as mandate is cancelled. |
| IBAN | Invalid Beneficiary account number |
| IBIC | Invalid Beneficiary BIC |
| MD06 | Return of funds requested by end customer |
| MD07 | End customer is deceased. |
| MS02 | Reason has not been specified by end customer |
| MS03 | Reason has not been specified by agent. |
| NARR | Reason is provided as narrative information in the additional reason information. |
| NOAS | No response from Beneficiary |
| NOCM | Customer account is not compliant with regulatory requirements, for example FICA (in South Africa) or any other regulatory requirements which render an account inactive for certain processing. |
| NOOR | Original SCT never received |
| PPCI | Purpose of Payment Code incorrect or invalid |
| RC01 | Bank Identifier code specified in the message has an incorrect format (formerly Incorrect Format For Routing Code). |
| RC07 | Incorrect BIC of the beneficiary Bank in the SCTR |
| RF01 | Transaction reference is not unique within the message. |
| RR01 | Specification of the debtor's account or unique identification needed for reasons of regulatory requirements is insufficient or missing |
| RR02 | Specification of the debtor's name and/or address needed for regulatory requirements is Insufficient or missing. |
| RR03 | Specification of the creditor's name and/or address needed for regulatory requirements is insufficient or missing. |
| RR04 | Regulatory Reason |
| RUTA | Return following investigation request and no remediation possible. |
| SL01 | Due to specific service offered by the Debtor Agent |
| SL02 | Due to specific service offered by the Creditor Agent |
| SL11 | Whitelisting service offered by the Debtor Agent; Debtor has not included the Creditor on its "Whitelist'' (yet), In the Whitelist the Debtor may list all allowed Creditors to debit Debtor bank account. |
| SL12 | 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. |
| SL14 | Due to Maximum allowed Direct Debit Transaction amount service offered by the Debtor Agent. |
| SP01 | Payment is stopped by account holder. |
| SP02 | Previously stopped by means of a stop payment advise. |
| TMO1 | Associated message was received after agreed processing cut-off time. |
| TRAC | Return following direct debit being removed from tracking process. |
| ULBA | Unable to locate Beneficiary account |
| UPAY | Payment is not justified. |
| XX00 | Unknown reason (system replaces when receives a reason not registered in the CC dictionary) |