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Errors

This page lists both common error codes from the Treezor API and the reason codes for SEPA R-transactions as defined by the European Payment Council.

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Caution – Only the legacy API sends the error code in HTTP errors

When handling errors with connect, only the message attribute is returned for now.

SCT reason codes

Find below the list of reason codes to handle SCT R-transactions (i.e., rejects, returns, and recalls). This list is regularly updated on the EPC website.

CodeDefinitionReason
AC01Incorrect Account NumberAccount identifier invalid or incorrect (i.e., invalid IBAN or account number does not exist)
Type of R-trans: Reject, Return
AC03Invalid Creditor Account NumberWrong unique identifier of the Beneficiary account
Type of R-trans: RFRO
AC04Closed Account NumberAccount closed
Type of R-trans: Return, Negative answer to a Recall or to a RFRO
AC06Blocked AccountAccount blocked
Type of R-trans: Return
ACNRAccepted Claim No ReceiptInter-PSP positive response to Claim Non-Receipt
Type of R-trans: Positive answer to SCT Inquiry “Claim Non- Receipt”
ACVAAccepted Value Date AdjustmentInter-PSP positive response to Claim for Value Date Correction
Type of R-trans: Positive answer to SCT Inquiry “Claim for Value Date Correction”
AG01Transaction ForbiddenCredit transfer forbidden on this account (e.g., savings account)
Type of R-trans: Return
AG02Invalid Bank Operation CodeOperation code/transaction code incorrect, invalid file format
Type of R-trans: Reject, Return
AM04Insufficient funds on the accountInsufficient funds on the account
Type of R-trans: Negative answer to a Recall or to a RFRO
AM05DuplicationDuplicate payment
Type of R-trans: Reject, Return
AM09Wrong amountWrong amount
Type of R-trans: RFRO
ARDTThe Transaction Has Already Been ReturnedAlready returned transaction
Type of R-trans: Negative answer to a Recall or to a RFRO; Negative answer to SCT Inquiry “Claim Non- Receipt”
ARJTAlready Rejected TransactionAlready rejected transaction
Type of R-trans: Negative answer to SCT Inquiry “Claim Non- Receipt”
BE04Missing Creditor AddressAccount address invalid. The address is required if the beneficiary bank is based in a non-EEA SEPA country.
Type of R-trans: Return
CERICheck ERIThe credit transfer is not tagged as an Extended Remittance Information (ERI) transaction but contains ERI
Type of R-trans: Reject
CNORCreditor Bank is Not RegisteredBeneficiary PSP is not registered under this BIC in the CSM
Type of R-trans: Reject, Return
CUSTRequested By Customera. By request of Customer the Originator without any reason specified.
b. Refusal by the Beneficiary
Type of R-trans: a. RFRO. b. Negative answer to a Recall or to a RFRO
CVAACorrect value date already appliedInter-PSP negative response to Claim for Value Date Correction
Type of R-trans: Negative answer to SCT Inquiry “Claim for Value Date Correction”
DNORDebtor bank is not registeredOriginator PSP is not registered
Type of R-trans: Reject
DUPLDuplicate paymentDuplicate sending
Type of R-trans: Recall
ED05Settlement failedSettlement of the SEPA Credit Transfer failed
Type of R-trans: Reject
ERINERI Option Not SupportedThe Extended Remittance Information (ERI) option is not supported
Type of R-trans: Reject, Return
FF01Invalid File FormatOperation/ transaction code incorrect, invalid file format
Type of R-trans: Reject
FOCRFollowing Cancellation RequestPositive answer to the Recall
Type of R-trans: Positive answer to a recall or to a RGRO
FRADFraudulent OriginFraudulent originated credit transfer
Type of R-trans: Recall
LEGLLegal DecisionLegal reasons
Type of R-trans: Negative answer to a Recall or to a RFRO
MD07End Customer DeceasedBeneficiary deceased
Type of R-trans: Return
MODIModified As Per RequestInter-PSP confirmed positive response to Claim for Value Date Correction
Type of R-trans: Confirmed positive answer to SCT Inquiry “Claim for Value Date Correction”
MS02Not Specified Reason Customer GeneratedBy order of the Beneficiary
Type of R-trans: Return
MS03Not Specified ReasonReason not specified
Type of R-trans: Reject, Return
NERINo ERIThe SEPA Credit Transfer is tagged as an Extended Remittance Information (ERI) transaction but does not contain ERI
Type of R-trans: Reject
NOASNo Answer From CustomerNo response from Beneficiary
Type of R-trans: Negative answer to a Recall or to a RFRO
NOORNo Original Transaction ReceivedOriginal Credit Transfer never received
Type of R-trans: Negative answer to a Recall or to a RFRO; Negative answer to SCT Inquiry “Claim Non- Receipt”
RC01Bank Identifier IncorrectPSP identifier incorrect (i.e., invalid BIC)
Type of R-trans: Reject, Return
RJNRRejected Claim Non- ReceiptInter-PSP negative response to Claim Non-Receipt
Type of R-trans: Negative answer to SCT Inquiry “Claim Non- Receipt”
RJVARejected Value Date AdjustmentInter-PSP negative response to Claim for Value Date Correction
Type of R-trans: Negative answer to SCT Inquiry “Claim for Value Date Correction”
RNPROriginal Transaction Received but not processableOriginal Transaction Received but Not Processable
Type of R-trans: Negative answer to SCT Inquiry “Claim Non- Receipt”
RR01Missing Debtor Account Or IdentificationRegulatory Reason
Type of R-trans: Reject, Return
RR02Missing Debtor’s Name Or AddressRegulatory Reason
Type of R-trans: Reject, Return
RR03Missing Creditor’s Name Or AddressRegulatory Reason
Type of R-trans: Reject, Return
RR04Regulatory ReasonRegulatory Reason
Type of R-trans: Reject, Return; Negative answer to SCT Inquiry “Claim Non- Receipt”
TECHTechnical ProblemTechnical problems Recall. resulting in erroneous SCTs
Type of R-trans: Recall
TM01Cut Off TimeFile received after Cut-off Time
Type of R-trans: Reject

SCT Inst reason codes

Find below the list of reason codes to handle SCT Inst R-transactions (i.e., rejects, returns, and recalls). This list is regularly updated on the EPC website.

CodeDefinitionReason
AB05Timeout Creditor AgentTransaction stopped due to timeout at the Creditor Agent.
Type of R-trans: Reject
AB06Timeout Instructed AgentTransaction stopped due to timeout at the Instructed Agent.
Type of R-trans: Reject
AB07Offline AgentAgent of message is not online. Generic usage if it cannot be determined who exactly is not online.
Type of R-trans: Reject
AB08Offline Creditor AgentCreditor Agent is not online
Type of R-trans: Reject
AB09Error Creditor AgentTransaction stopped due to error at the Creditor Agent
Type of R-trans: Reject
AB10Error Instructed AgentTransaction stopped due to error at the Instructed Agent
Type of R-trans: Reject
AC01Incorrect Account NumberAccount identifier invalid or incorrect (i.e., invalid IBAN or account number does not exist).
Type of R-trans: Reject
AC03Invalid Creditor Account NumberWrong unique identifier of the Beneficiary account.
Type of R-trans: RFRO
AC04Closed Account NumberAccount closed.
Type of R-trans: Reject, Negative answer to a Recall or to a RFRO
AC06Blocked accountAccount blocked
Type of R-trans: Reject
AG01Trnsaction ForbiddenCredit transfer forbidden on this account.
Type of R-trans: Reject
AG02Invalid Bank Operation CodeOperation code/transaction code incorrect, invalid file format
Type of R-trans: Reject
AG09Payment Not ReceivedOriginal payment never received
Type of R-trans: Reject
AG10Agent SuspendedAgent of message is suspended from the Real Time Payment system.
Type of R-trans: Reject
AG11Creditor Agent SuspendedCreditor Agent of message is suspended from the Real Time Payment system.
Type of R-trans: Reject
AM02Not Allowed AmountAmount exceeds the maximum authorized amount for SCT Inst.
Type of R-trans: Reject
AM04Insufficient FundsInsufficient funds on the account.
Type of R-trans: Negative answer to a Recall or to a RFRO.
AM05DuplicationDuplicate payment.
Type of R-trans: Reject
AM09Wrong AmountWrong amount.
Type of R-trans: RFRO
AM23Aount Exceeds Settlement LimitTransaction amount exceeds settlement limit.
Type of R-trans: Reject
ARDTThe Transaction Has Already Been ReturnedAlready returned transaction.
Type of R-trans: Negative answer to a Recall or to a RFRO.
BE04Missing Creditor AddressAccount address invalid. The address is required if the beneficiary bank is based in a non-EEA SEPA country.
Type of R-trans: Reject
CNORCreditor Bank Is Not Registered.Beneficiary PSP is not registered under this BIC in the CSM.
Type of R-trans: Reject
CUSTRequest By Customera. By request of Customer the Originator without any reason specified.
b. Refusal by the Beneficiary
Type of R-trans: a. RFRO. b. Negative answer to a Recall or to a RFRO
DNORDebtor Bank Is Not RegisteredOriginator PSP is not registered under this BIC in the CSM.
Type of R-trans: Reject
DUPLDuplicate PaymentDuplicate Sending
Type of R-trans: Recall
FF01Invalid File FormatOperation/ transaction code incorrect, invalid file format.
Type of R-trans: Reject
FOCRFollowing Cancellation RequestPositive answer to the Recall.
Type of R-trans: Positive answer to a Recall or to a RFRO
FRADFraudulent OriginType of R-trans: Recall
LEGLLegal DecisionLegal reasons.
Type of R-trans: Negative answer to a Recall or to a RFRO
MD07End Customer DeceasedBeneficiary deceased.
Type of R-trans: Reject
MS02Not Specified Reason Customer GeneratedBy order of the Beneficiary.
Type of R-trans: Reject
MS03Not Specificed Reason Agent GeneratedReason not specified.
Type of R-trans: Reject
NOASNo Answer From CustomerNo response from Beneficiary.
Type of R-trans: Negative answer to a Recall or to RFRO
NOORNo Original Transaction ReceivedOriginal SEPA Instant Credit Transfer never received.
Type of R-trans: Negative answer to a Recall or to RFRO
RC01Bank Identifier IncorrectPSP identifier incorrect (i.e., invalid BIC).
Type of R-trans: Reject
RR01Missing Debtor Account Or IdentificationRegulatory Reason.
Type of R-trans: Reject
RR02Missing Debtor's Name Or AddressRegulatory Reason.
Type of R-trans: Reject
RR03Missing Creditor's Name Or AddressRegulatory Reason.
Type of R-trans: Reject
RR04Regulatory ReasonRegulatory Reason.
Type of R-trans: Reject
TECHTechnical ProblemTechnical problems resulting in erroneous SCT Inst transactions
Type of R-trans: Recall
TM01Invalid Cut Off TimeTime-out – maximum execution time has been exceeded
Type of R-trans: Reject

SDD reason codes

Find below the list of reason codes to handle SDD R-transactions (i.e., rejects, returns, and recalls). This list is regularly updated on the EPC website.

CodeDefinitionReason
AC01Incorrect Account NumberAccount Identifier incorrect (i.e., invalid IBAN of the Debtor)
Type of R-trans: Reject, Return
AC04Closed Account NumberAccount closed
Type of R-trans: Reject, Return
AC06Blocked AccountAccount blocked
Type of R-trans: Reject, Return
AC13Invalid Debtor Account TypeDebtor account is a consumer account (For SDD B2B collections only)
Type of R-trans:Reject, Return
AG01Transaction ForbiddenDirect Debit forbidden on this account for regulatory reasons
Type of R-trans: Reject, Return
AG02Invalid Bank Operation CodeOperation code/ transaction code/ sequence type incorrect, invalid file format
Type of R-trans:Reject, Return
AM04Insufficient FundsInsufficient funds
Type of R-trans: Reject, Return
AM05DuplicationDuplicate collection
Type of R-trans: Reject, Return, Revers
BE05Unrecognised initiating partyIdentifier of the Creditor Incorrect
Type of R-trans: Reject, Return
CNORDebtor Bank is not registeredCreditor PSP is not registered under this BIC in the CSM
Type of R-trans: Reject
DNORDebtor Bank is not registeredDebtor PSP is not registered under this BIC in the CSM
Type of R-trans: Reject
ED05Settlement FailedSettlement of the collection failed
Type of R-trans: Reject
FF01Invalid File FormatInvalid file format
Type of R-trans: Reject
MD01No MandateNo valid mandate (For SDD Core collections only)
No mandate or unable to obtain mandate confirmation from the Debtor; (For SDD B2B collections only)
Unauthorised transaction. (For Refunds of SDD Core collections only)
Type of R-trans: Reject, Return, Refund
MD02Missing Mandatory Mandate Information in MandateMandate data missing or incorrect
Type of R-trans: Reject
MD06Refund Request By End CustomerDisputed authorized transaction. (For SDD Core collections only)
Type of R-trans: Refund
MD07End Customer DeceasedDebtor Deceased
Type of R-trans: Reject, Return
MS02Not Specified Reason Customer GeneratedRefusal by the Debtor
Type of R-trans: Reject, Return, Reversal
MS03Not Specified Reason Agent GeneratedReason not specified
Type of R-trans: Reject, Return, Reversal
RC01Bank Identifier IncorrectPSP identifier incorrect (i.e., invalid BIC)
Type of R-trans: Reject, Return
RR01Missing Debtor Account Or IdentificationRegulatory Reason
Type of R-trans: Reject, Return
RR02Missing Debtor Name Or AddressRegulatory Reason
Type of R-trans: Reject, Return
RR03Missing Creditor Name Or AddressRegulatory Reason
Type of R-trans: Reject, Return
RR04Regulatory ReasonRegulatory Reason
Type of R-trans: Reject, Return
SL01Specific Service Offered By Debtor AgentDue to specific service offered by the Debtor PSP
Type of R-trans: Reject, Return

Transfer errors

The following API errors can be encountered regarding Eletronic Money Wallets.

CodeMessageDescription
120018Impossible to create the payout SCTESCTE payouts are not allowed (e.g., anonymous electronic money)
120020Impossible to create the operation, the authorization amount exceed the max amount limitAmount of the operation exceeds the limit
120021Impossible to create the operation, the authorization amount added to the account limit exceed the max account amount limitBalance of the account exceeds the limit
120019Impossible to create the operation, the total debit exceed the max total debit limit on sliding periodSum of the debit operations in the past 30 days exceeds the limit
120026Impossible to create the operation, the total credit exceed the max total credit limit on sliding periodSum of the credit operations in the past 30 days exceeds the limit
120022Impossible to create the operation, the transfer creditor user is invalidUser of the wallet receiving the credit is an anonymous user and doesn’t have a relationship parent/child with the creditor’s user
120023Impossible to create the operation, the transfer debitor user is invalidUser crediting the wallet is an anonymous user and doesn’t have a relationship parent/child with the wallet’s user

Beneficiary errors

The following API errors can be encountered with beneficiaries.

CodeMessageAdditional information
75001IBAN Validation failed
75002sddB2bWhitelist validation failed
75003userId validation failed
75004sepaCreditorIdentifier is missing
75005sddB2bWhitelist is missing
75006sddCoreBlacklist validation failed
75007Beneficiary ID does not exist
75008Another beneficiary has already used this userId or sepa_creditor_identifier
75009userId is empty or missing
75010sepaCreditorIdentifier is empty or missing
75011BIC IBAN - Invalid country codeSee Accepted countries for more information.

Payout errors

The following API errors can be encountered with payouts.

CodeMessage
16010Impossible to cancel Payout, this Payout is already CANCELED
16011Impossible to cancel Payout, this Payout does not exist
16012Impossible to cancel Payout, Database Error.
16045Unable to cancel the Payout.
16046The label type is not correct, it must be a string
16047Label contains invalid chars. Only allowed : 'a b c d e f g h i j k l m n o p q r s t u v w x y z A B C D E F G H I J K L M N O P Q R S T U V W X Y Z 0 1 2 3 4 5 6 7 8 9 / - ? : ( ) . , ' + Space
16048Label contains invalid chars. Must not start or end with /
16049Label contains invalid chars. Must not contain //

Mandate errors

CodeMessage
22002Unable to create the mandate. The name of the debtor is not valid.
22003Unable to create the mandate. The address of the debtor is mandatory.
22004Unable to create the mandate. The city of the debtor is mandatory.
22005Unable to create the mandate. The zip code of the debtor is mandatory.
22006Unable to create the mandate. The country of the debtor is mandatory.
22007Unable to create the mandate. The sequence type is mandatory.
22008Unable to create the mandate. The IBAN of the debtor is mandatory.
22009Unable to create the mandate. The payment type value must be 'OOFF' (one-off) or 'RCUR' (recurrent).
22010Unable to create the mandate. The IBAN is not valid.
22011Unable to create Mandate. Database Error during the creation of the One-time password.
22012Mandate does not exist or is already signed up.
22013Unable to sign up the mandate. Wrong OTP. It has been sent again via SMS.
22014Unable to update the mandate. Database error during the signing up.
22015The mandate you want to cancel does not exist.
22017Unable to sign up the mandate. Database error during the signature.
22018Unable to create the mandate. The userId is required.
22019Unable to create the mandate. The mobile of the debtor is mandatory.
22020Unable to create the mandate. An error occurred during the One-time password sending.
22021An error occurred during the One-time password sending.
22022Error during OTP checking.
22023Error during OTP checking.
22024mandateId is mandatory.
22025Unable to create the mandate. debtorBic is mandatory.
22026Unable to create the mandate. User does not have a SEPA creditor identifier.
22028Database Error
22029Error. The SMS has not been sent to the user.
22030Unable to create the mandate. The user does not have an SCI number yet.
22031The mandate is already revoked.
22032Origin is mandatory.
22033Origin can be 'CREDITOR' or 'DEBITOR'.
22034Unable to create the mandate. The last name of the debtor is mandatory.
22035Unable to create the mandate. The creditor userId does not have a title.
22036Unable to create the mandate. The creditor userId does not have a first name.
22037Unable to create the mandate. The creditor userId does not have a last name.
22038Unable to create the mandate. The creditor userId does not have an address1.
22039Unable to create the mandate. The creditor userId does not have a post code.
22040Unable to create the mandate. The creditor userId does not have a city.
22041Unable to create the mandate. The creditor userId does not have a country.
22042Unable to create the mandate. The creditor userId does not have a legal name.
22043Unable to create the mandate. The mobile of the debtor must begin by + or 00 followed by the phone country code (e.g., 0033 for France).
22044Currently, we only allow paper mandates.
22045This type of SDD is not authorized yet.
22046OTP is mandatory.
22047signatureDate is mandatory.
22048The PUT method is not available.
22049The signature date is malformatted.
22050The userId provided in the request does not exist.
22050The userIdUltimateCreditor provided in the request does not exist.
22051The Third Party Creditor mode is not activated for your account. Please contact the Treezor Team to ask for activation.
22052In third-party creditor mode, the userId of the wallet credited must be equal to the property userIdUltimateCreditor of the mandate.