# Errors

# SCT errors

A more up-to-date list is available on the EPC website (opens new window).

Code ISO 20022 camt.056 definition Reason Type of R-trans
AC01 Incorrect Account Number Account identifier invalid or incorrect (i.e. invalid IBAN or account number does not exist) Reject, Return
AC03 Invalid Creditor Account Number Wrong unique identifier of the Beneficiary account RFRO
AC04 Account closed Account closed Return, Negative answer to a Recall or to a RFRO
AC06 Account blocked Account blocked Return
ACNR Interbank positive response to Claim Non-Receipt Interbank positive response to Claim Non-Receipt Positive answer to SCT Inquiry “Claim Non- Receipt”
ACVA Accepted Value Date Adjustment Interbank positive response to Claim for Value Date Correction Positive answer to SCT Inquiry “Claim for Value Date Correction”
AG01 Transaction Forbidden Credit transfer forbidden on this account (e.g., savings account) Return
AG02 Invalid Bank Operation Code Operation code/ transaction code incorrect, invalid file format Reject, Return
AM04 Insufficient funds on the account Insufficient funds on the account Negative answer to a Recall or to a RFRO
AM05 Duplicate payment Duplicate payment Reject, Return
AM09 Wrong amount Wrong amount RFRO
AM23 Amount exceeds settlement limit
ARDT The Transaction Has Already Been Returned Already returned transaction Negative • answer to a Recall or to a RFRO; Negative answer to SCT Inquiry “Claim Non- Receipt”
ARJT Already Rejected Transaction Already rejected transaction Negative answer to SCT Inquiry “Claim Non- Receipt”
BE04 Missing Creditor Address Account address invalid Return
CERI Check ERI The credit transfer is not tagged as an Extended Remittance Information (ERI) transaction but contains ERI Reject
CNOR Creditor Bank is not registered Beneficiary bank is not registered under this BIC in the CSM Reject, Return
CUST Requested by customer a. By request of Customer the Originator without any reason specified. b. Refusal by the Beneficiary a. RFRO. b. Negative answer to a Recall or to a RFRO
CVAA Correct value date already applied Interbank negativ response to Claim for Value Date Correction Negative answer to SCT Inquiry “Claim for Value Date Correction”
DNOR Debtor bank is not registered Originator bank is not registered Reject
DUPL Duplicate payment Duplicate sending Recall
ED05 Settlement failed Settlement of the SEPA Credit Transfer failed Reject
ERIN ERI Option Not Supported The Extended Remittance Information (ERI) option is not supported Reject, Return
FF01 Invalid File Format Operation/ transaction code incorrect, invalid file format Reject
FOCR Following Cancellation Request Positive answer to the Recall Positive answer to a recall or to a RGRO
FRAD Fraudulent Origin Fraudulent originated credit transfer Recall
LEGL Legal Decision Legal reasons Negative answer to a Recall or to a RFRO
MD07 End Customer Deceased Beneficiary deceased Return
MODI Modified As Per Request Interbank confirmed positive response to Claim for Value Date Correction Confirmed positive answer to SCT Inquiry “Claim for Value Date Correction”
MS02 Not Specified Reason Customer Generated By order of the Beneficiary Return
MS03 Not Specified Reason Reason not specified Reject, Return
NERI No ERI The SEPA Credit Transfer is tagged as an Extended Remittance Information (ERI) transaction but does not contain ERI Reject
NOAS No Answer From Customer No response from Beneficiary Negative answer to a Recall or to a RFRO
NOOR No Original Transaction Received Original Credit Transfer never received Negative answer to a Recall or to a RFRO; Negative answer to SCT Inquiry “Claim Non- Receipt”
RC01 Bank Identifier Incorrect Bank identifier incorrect (i.e. invalid BIC) Reject, Return
RJNR Rejected Claim Non- Receipt Interbank negative response to Claim Non-Receipt Negative answer to SCT Inquiry “Claim Non- Receipt”
RJVA Rejected Value Date Adjustment Interbank negative response to Claim for Value Date Correction Negative answer to SCT Inquiry “Claim for Value Date Correction”
RNPR Original Transaction Received but not processable Original Transaction Received but Not Processable Negative answer to SCT Inquiry “Claim Non- Receipt”
RR01 Missing Debtor Account Or Identification Regulatory Reason Reject, Return
RR02 Missing Debtor’s Name Or Address Regulatory Reason Reject, Return
RR03 Missing Creditor’s Name Or Address Regulatory Reason Reject, Return
RR04 Regulatory Reason Regulatory Reason Reject, Return; Negative answer to SCT Inquiry “Claim Non- Receipt”
TECH Technical Problem Technical problems Recall. resulting in erroneous SCTs Recall
TM01 Cut Off Time File received after Cut-off Time Reject

# SDD errors

A more up-to-date list is available on the EPC website (opens new window).

Code ISO 20022 camt.056 definition Reason Type of R-trans
AC01 Incorrect Account Number Account Identifier incorrect (i.e. invalid IBAN of the Debtor) Reject, Return
AC04 Closed Account Number Account closed Reject, Return
AC06 Blocked Account Account blocked Reject, Return
AC13 Invalid Debtor Account Type Debtor account is a consumer account (For SDD B2B collections only) Reject, Return
AG01 Transaction Forbidden Direct Debit forbidden on this account for regulatory reasons Reject, Return
AG02 Invalid Bank Operation Code Operation code/ transaction code/ sequence type incorrect, invalid file format Reject, Return
AM04 Insufficient Funds Insufficient funds Reject, Return
AM05 Duplication Duplicate collection Reject, Return, Reversal
BE05 Unrecognised initiating party Identifier of the Creditor Incorrect Reject, Return
CNOR Debtor Bank is not registered Creditor Bank is not registered under this BIC in the CSM Reject
DNOR Debtor Bank is not registered Debtor Bank is not registered under this BIC in the CSM Reject
ED05 Settlement Failed Settlement of the collection failed Reject
FF01 Invalid File Format Invalid file format Reject
MD01 No Mandate No 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) Reject, Return, Refund
MD02 Missing Mandatory Mandate Information in Mandate Mandate data missing or incorrect Reject
MD06 Refund Request By End Customer Disputed authorized transaction. (For SDD Core collections only) Refund
MD07 End Customer Deceased Debtor Deceased Reject, Return
MS02 Not Specified Reason Customer Generated Refusal by the Debtor Reject, Return, Reversal
MS03 Not Specified Reason Agent Generated Reason not specified Reject, Return, Reversal
RC01 Bank Identifier Incorrect Bank identifier incorrect (i.e. invalid BIC) Reject, Return
RR01 Missing Debtor Account Or Identification Regulatory Reason Reject, Return
RR02 Missing Debtor Name Or Address Regulatory Reason Reject, Return
RR03 Missing Creditor Name Or Address Regulatory Reason Reject, Return
RR04 Regulatory Reason Regulatory Reason Reject, Return
SL01 Specific Service Offered By Debtor Agent Due to specific service offered by the Debtor Bank Reject, Return
AGNT Agent in the payment workflow is incorrect Routing error. The payment should not have been routed to you. Cancellation Request
CURR Currency of the payment is incorrect Currency of the payment is incorrect Cancellation Request
UPAY Payment is not justified Payment is not justified, the merchant requested to cancel the payment Cancellation Request
DUPL Duplicate payment Duplicate sending Cancellation Request
TECH Technical Problem Technical problems resulting in erroneous SDDs Cancellation Request
CUST Requested by the debtor Cancellated has been requested by the debtor Cancellation Request
FRAD Fraudulent Originated Direct Debit Fraudulent originated credit transfer Cancellation Request

# Transfer errors

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

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

# Beneficiary errors

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

# Payout errors

Code Message
16010 Impossible to cancel Payout, this Payout is already CANCELED
16011 Impossible to cancel Payout, this Payout does not exist
16012 Impossible to cancel Payout, Database Error.
16045 Unable to cancel the Payout.
Updated on: 4/4/2024, 2:50:39 PM