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.

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

When handling errors with Connect, only the message attribute is returned.

Transfer reason codes

Find below the list of reason codes to handle SEPA Credit Transfer R-transactions (i.e., rejects, returns, and recalls). This list is regularly updated on the EPC website. This also applies to International Transfers.

Code	Definition	Reason
AC01	Incorrect Account Number	Account identifier invalid or incorrect (i.e., invalid IBAN or account number does not exist) Type of R-trans: Reject, Return
AC03	Invalid Creditor Account Number	Wrong unique identifier of the Beneficiary account Type of R-trans: RFRO
AC04	Closed Account Number	Account closed Type of R-trans: Return, Negative answer to a Recall or to a RFRO
AC06	Blocked Account	Account blocked Type of R-trans: Return
ACNR	Accepted Claim No Receipt	Inter-PSP positive response to Claim Non-Receipt Type of R-trans: Positive answer to SCT Inquiry “Claim Non- Receipt”
ACVA	Accepted Value Date Adjustment	Inter-PSP positive response to Claim for Value Date Correction Type of R-trans: Positive answer to SCT Inquiry “Claim for Value Date Correction”
AG01	Transaction Forbidden	Credit transfer forbidden on this account (e.g., savings account) Type of R-trans: Return
AG02	Invalid Bank Operation Code	Operation code/transaction code incorrect, invalid file format Type of R-trans: Reject, Return
AM04	Insufficient funds on the account	Insufficient funds on the account Type of R-trans: Negative answer to a Recall or to a RFRO
AM05	Duplication	Duplicate payment Type of R-trans: Reject, Return
AM09	Wrong amount	Wrong amount Type of R-trans: RFRO
ARDT	The Transaction Has Already Been Returned	Already returned transaction Type of R-trans: Negative answer to a Recall or to a RFRO; Negative answer to SCT Inquiry “Claim Non- Receipt”
ARJT	Already Rejected Transaction	Already rejected transaction Type of R-trans: Negative answer to SCT Inquiry “Claim Non- Receipt”
BE04	Missing Creditor Address	Account address invalid. The address is required if the beneficiary bank is based in a non-EEA SEPA country. Type of R-trans: Return
CERI	Check ERI	The credit transfer is not tagged as an Extended Remittance Information (ERI) transaction but contains ERI Type of R-trans: Reject
CNOR	Creditor Bank is Not Registered	Beneficiary PSP is not registered under this BIC in the CSM Type of R-trans: Reject, Return
CUST	Requested By Customer	a. 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
CVAA	Correct value date already applied	Inter-PSP negative response to Claim for Value Date Correction Type of R-trans: Negative answer to SCT Inquiry “Claim for Value Date Correction”
DNOR	Debtor bank is not registered	Originator PSP is not registered Type of R-trans: Reject
DUPL	Duplicate payment	Duplicate sending Type of R-trans: Recall
ED05	Settlement failed	Settlement of the SEPA Credit Transfer failed Type of R-trans: Reject
ERIN	ERI Option Not Supported	The Extended Remittance Information (ERI) option is not supported Type of R-trans: Reject, Return
FF01	Invalid File Format	Operation/ transaction code incorrect, invalid file format Type of R-trans: Reject
FOCR	Following Cancellation Request	Positive answer to the Recall Type of R-trans: Positive answer to a recall or to a RGRO
FRAD	Fraudulent Origin	Fraudulent originated credit transfer Type of R-trans: Recall
LEGL	Legal Decision	Legal reasons Type of R-trans: Negative answer to a Recall or to a RFRO
MD07	End Customer Deceased	Beneficiary deceased Type of R-trans: Return
MODI	Modified As Per Request	Inter-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”
MS02	Not Specified Reason Customer Generated	By order of the Beneficiary Type of R-trans: Return
MS03	Not Specified Reason	Reason not specified Type of R-trans: Reject, Return
NERI	No ERI	The SEPA Credit Transfer is tagged as an Extended Remittance Information (ERI) transaction but does not contain ERI Type of R-trans: Reject
NOAS	No Answer From Customer	No response from Beneficiary Type of R-trans: Negative answer to a Recall or to a RFRO
NOOR	No Original Transaction Received	Original 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”
RC01	Bank Identifier Incorrect	PSP identifier incorrect (i.e., invalid BIC) Type of R-trans: Reject, Return
RJNR	Rejected Claim Non- Receipt	Inter-PSP negative response to Claim Non-Receipt Type of R-trans: Negative answer to SCT Inquiry “Claim Non- Receipt”
RJVA	Rejected Value Date Adjustment	Inter-PSP negative response to Claim for Value Date Correction Type of R-trans: Negative answer to SCT Inquiry “Claim for Value Date Correction”
RNPR	Original Transaction Received but not processable	Original Transaction Received but Not Processable Type of R-trans: Negative answer to SCT Inquiry “Claim Non- Receipt”
RR01	Missing Debtor Account Or Identification	Regulatory Reason Type of R-trans: Reject, Return
RR02	Missing Debtor’s Name Or Address	Regulatory Reason Type of R-trans: Reject, Return
RR03	Missing Creditor’s Name Or Address	Regulatory Reason Type of R-trans: Reject, Return
RR04	Regulatory Reason	Regulatory Reason Type of R-trans: Reject, Return; Negative answer to SCT Inquiry “Claim Non- Receipt”
TECH	Technical Problem	Technical problems Recall. resulting in erroneous SCTs Type of R-trans: Recall
TM01	Cut Off Time	File 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.

Code	Definition	Reason
AB05	Timeout Creditor Agent	Transaction stopped due to timeout at the Creditor Agent. Type of R-trans: Reject
AB06	Timeout Instructed Agent	Transaction stopped due to timeout at the Instructed Agent. Type of R-trans: Reject
AB07	Offline Agent	Agent of message is not online. Generic usage if it cannot be determined who exactly is not online. Type of R-trans: Reject
AB08	Offline Creditor Agent	Creditor Agent is not online Type of R-trans: Reject
AB09	Error Creditor Agent	Transaction stopped due to error at the Creditor Agent Type of R-trans: Reject
AB10	Error Instructed Agent	Transaction stopped due to error at the Instructed Agent Type of R-trans: Reject
AC01	Incorrect Account Number	Account identifier invalid or incorrect (i.e., invalid IBAN or account number does not exist). Type of R-trans: Reject
AC03	Invalid Creditor Account Number	Wrong unique identifier of the Beneficiary account. Type of R-trans: RFRO
AC04	Closed Account Number	Account closed. Type of R-trans: Reject, Negative answer to a Recall or to a RFRO
AC06	Blocked account	Account blocked Type of R-trans: Reject
AG01	Trnsaction Forbidden	Credit transfer forbidden on this account. Type of R-trans: Reject
AG02	Invalid Bank Operation Code	Operation code/transaction code incorrect, invalid file format Type of R-trans: Reject
AG09	Payment Not Received	Original payment never received Type of R-trans: Reject
AG10	Agent Suspended	Agent of message is suspended from the Real Time Payment system. Type of R-trans: Reject
AG11	Creditor Agent Suspended	Creditor Agent of message is suspended from the Real Time Payment system. Type of R-trans: Reject
AM02	Not Allowed Amount	Amount exceeds the maximum authorized amount for SCT Inst. Type of R-trans: Reject
AM04	Insufficient Funds	Insufficient funds on the account. Type of R-trans: Negative answer to a Recall or to a RFRO.
AM05	Duplication	Duplicate payment. Type of R-trans: Reject
AM09	Wrong Amount	Wrong amount. Type of R-trans: RFRO
AM23	Aount Exceeds Settlement Limit	Transaction amount exceeds settlement limit. Type of R-trans: Reject
ARDT	The Transaction Has Already Been Returned	Already returned transaction. Type of R-trans: Negative answer to a Recall or to a RFRO.
BE04	Missing Creditor Address	Account address invalid. The address is required if the beneficiary bank is based in a non-EEA SEPA country. Type of R-trans: Reject
CNOR	Creditor Bank Is Not Registered.	Beneficiary PSP is not registered under this BIC in the CSM. Type of R-trans: Reject
CUST	Request By Customer	a. 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
DNOR	Debtor Bank Is Not Registered	Originator PSP is not registered under this BIC in the CSM. Type of R-trans: Reject
DUPL	Duplicate Payment	Duplicate Sending Type of R-trans: Recall
FF01	Invalid File Format	Operation/ transaction code incorrect, invalid file format. Type of R-trans: Reject
FOCR	Following Cancellation Request	Positive answer to the Recall. Type of R-trans: Positive answer to a Recall or to a RFRO
FRAD	Fraudulent Origin	Type of R-trans: Recall
LEGL	Legal Decision	Legal reasons. Type of R-trans: Negative answer to a Recall or to a RFRO
MD07	End Customer Deceased	Beneficiary deceased. Type of R-trans: Reject
MS02	Not Specified Reason Customer Generated	By order of the Beneficiary. Type of R-trans: Reject
MS03	Not Specificed Reason Agent Generated	Reason not specified. Type of R-trans: Reject
NOAS	No Answer From Customer	No response from Beneficiary. Type of R-trans: Negative answer to a Recall or to RFRO
NOOR	No Original Transaction Received	Original SEPA Instant Credit Transfer never received. Type of R-trans: Negative answer to a Recall or to RFRO
RC01	Bank Identifier Incorrect	PSP identifier incorrect (i.e., invalid BIC). Type of R-trans: Reject
RR01	Missing Debtor Account Or Identification	Regulatory Reason. Type of R-trans: Reject
RR02	Missing Debtor's Name Or Address	Regulatory Reason. Type of R-trans: Reject
RR03	Missing Creditor's Name Or Address	Regulatory Reason. Type of R-trans: Reject
RR04	Regulatory Reason	Regulatory Reason. Type of R-trans: Reject
TECH	Technical Problem	Technical problems resulting in erroneous SCT Inst transactions Type of R-trans: Recall
TM01	Invalid Cut Off Time	Time-out – maximum execution time has been exceeded Type of R-trans: Reject
DS14	Unknown User on Server	The user is unknown on the server. Type of R-trans: Reject
DT01	Invalid Date	Invalid Date. Type of R-trans: Reject
E001	Duplication in Identity ID Not Allowed	Duplication in identity ID is not allowed. Type of R-trans: Reject
E002	Unavailability Periods Overlap	Overlap of unavailability periods not allowed. Type of R-trans: Reject
E003	Unknown BIC	Unknown BIC. Type of R-trans: Reject
E004	Wrong Time	Wrong Time. Type of R-trans: Reject
E005	Unavailability Too Far	Unavailability too far. Type of R-trans: Reject
E006	Daily Threshold Passed	Daily threshold passed. Type of R-trans: Reject
E007	No Matching Available	No matching available. Type of R-trans: Reject
E008	Cancel Not Allowed In The Past	Cancel not allowed in the past. Type of R-trans: Reject
E009	Invalid Value	Invalid value. Type of R-trans: Reject
L001	Unknown Creditor/Creditor Account	Unknown Creditor or Creditor Account. Type of R-trans: Reject
L002	Unknown Debtor/Debtor Account	Unknown Debtor or Debtor Account. Type of R-trans: Reject
L003	Currency Differs from Account/RTGS	Currency of incoming flow differs from Account currency or RTGS System not configured. Type of R-trans: Reject
L004	Creditor/Creditor Account Blocked	The Creditor or the Creditor Account is blocked. Type of R-trans: Reject
L005	Debtor/Debtor Account Blocked	The Debtor or the Debtor Account is blocked. Type of R-trans: Reject
L006	Duplicate Outbound/Inbound Submission	Outbound or Inbound submission is a duplicate. Type of R-trans: Reject
L007	Settlement Failure (Insufficient Cash)	Failure of the settlement attempt of the instruction due to insufficient cash balance. Type of R-trans: Reject
L008	RTGS System is Closed	RTGS system is closed. Type of R-trans: Reject
L009	Invalid RTGS Status Content	Invalid content of the field RTGS Status. Type of R-trans: Reject
L010	Unknown RTGS System DN	Unknown RTGS System DN. Type of R-trans: Reject
L011	Order Not Found	Order not found. Type of R-trans: Reject
L012	Amount is Lower or Equal to Zero	The amount is lower or equal to zero. Type of R-trans: Reject
L014	Intra-service LT Not Allowed	Intra-service LT not allowed. Type of R-trans: Reject
MS01	Reason Not Specified	Reason not specified. Type of R-trans: Reject
PY01	Unknown BIC in Routing Table	Unknown BIC in routing table. Type of R-trans: Reject
PY03	Unknown BIC in TIPS Directory	Unknown BIC in TIPS Directory. Type of R-trans: Reject
R001	Restriction Type for Actor Not Allowed	Restriction Type for Actor not allowed. Type of R-trans: Reject
R002	Party Not Existing	Party not existing. Type of R-trans: Reject
R003	Party Type Not Allowed for Blocking	Party Type not allowed for blocking/unblocking operations. Type of R-trans: Reject
R005	Restriction Type for Account/CMB Not Allowed	Restriction Type for account/CMB not allowed. Type of R-trans: Reject
R006	Account/CMB Not Existing	Account/CMB not existing. Type of R-trans: Reject
R007	Currency Not Correct	Currency not correct. Type of R-trans: Reject
R008	User Not Allowed to Block/Unblock	User not allowed to block/unblock. Type of R-trans: Reject
R020	CMB Not Existing	CMB not existing. Type of R-trans: Reject
R021	User Not Allowed to Change Limit	User not allowed to change the Limit. Type of R-trans: Reject
R099	Duplicate Instruction	Duplicate instruction. Type of R-trans: Reject
S001	Request Not Allowed	Request not allowed. Type of R-trans: Reject
S002	Data Not Available	Data not available. Type of R-trans: Reject
TBL1	Debtor/Debtor Account Blocked	The owner of the debtor account or the debtor account/CMB is blocked. Type of R-trans: Reject
TBL2	Creditor/Creditor Account Blocked	The owner of the creditor account or the creditor account/CMB is blocked. Type of R-trans: Reject
XD19	Invalid IBAN Format	Invalid IBAN format. Type of R-trans: Reject
XD20	Invalid Account Number	Invalid Account Number. Type of R-trans: Reject
XD21	Invalid Account Owner	Invalid Account Owner. Type of R-trans: Reject
XD22	Invalid Settlement Method	Invalid settlement method for either Debtor Agent or Creditor Agent. Type of R-trans: Reject
XT04	Insufficient Liquidity (System)	Insufficient liquidity for processing the transaction on the System. Type of R-trans: Reject
XT06	Invalid Acceptance Time	Invalid AccptTime, Rejected by the CSM to Originator PSP upon exceeding tolerance period for the Acceptance Date&Time. Type of R-trans: Reject
XT10	Transaction Inflight	Transaction inflight. Type of R-trans: Reject
XT13	Unsupported XML Field	Unsupported XML field. Type of R-trans: Reject
XT33	Invalid Data Format	Invalid data format. Type of R-trans: Reject
XT73	Invalid Country Code	Invalid country code. Type of R-trans: Reject
XT75	Invalid Original Transaction Status	Invalid original transaction status, action not required. Type of R-trans: Reject
XT77	Original Amount Mismatch	Original Amount mismatch. Type of R-trans: Reject
XT79	Debtor Agent Not Allowed/Sender Participant Not Allowed	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. The sender Participant is not allowed to send liquidity transfer order. 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.

Code	Definition	Reason
AC01	Incorrect Account Number	Account Identifier incorrect (i.e., invalid IBAN of the Debtor) Type of R-trans: Reject, Return
AC04	Closed Account Number	Account closed Type of R-trans: Reject, Return
AC06	Blocked Account	Account blocked Type of R-trans: Reject, Return
AC13	Invalid Debtor Account Type	Debtor account is a consumer account (For SDD B2B collections only) Type of R-trans:Reject, Return
AG01	Transaction Forbidden	Direct Debit forbidden on this account for regulatory reasons Type of R-trans: Reject, Return
AG02	Invalid Bank Operation Code	Operation code/ transaction code/ sequence type incorrect, invalid file format Type of R-trans:Reject, Return
AM04	Insufficient Funds	Insufficient funds Type of R-trans: Reject, Return
AM05	Duplication	Duplicate collection Type of R-trans: Reject, Return, Revers
BE05	Unrecognised initiating party	Identifier of the Creditor Incorrect Type of R-trans: Reject, Return
CNOR	Debtor Bank is not registered	Creditor PSP is not registered under this BIC in the CSM Type of R-trans: Reject
DNOR	Debtor Bank is not registered	Debtor PSP is not registered under this BIC in the CSM Type of R-trans: Reject
ED05	Settlement Failed	Settlement of the collection failed Type of R-trans: Reject
FF01	Invalid File Format	Invalid file format Type of R-trans: 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) Type of R-trans: Reject, Return, Refund
MD02	Missing Mandatory Mandate Information in Mandate	Mandate data missing or incorrect Type of R-trans: Reject
MD06	Refund Request By End Customer	Disputed authorized transaction. (For SDD Core collections only) Type of R-trans: Refund
MD07	End Customer Deceased	Debtor Deceased Type of R-trans: Reject, Return
MS02	Not Specified Reason Customer Generated	Refusal by the Debtor Type of R-trans: Reject, Return, Reversal
MS03	Not Specified Reason Agent Generated	Reason not specified Type of R-trans: Reject, Return, Reversal
RC01	Bank Identifier Incorrect	PSP identifier incorrect (i.e., invalid BIC) Type of R-trans: Reject, Return
RR01	Missing Debtor Account Or Identification	Regulatory Reason Type of R-trans: Reject, Return
RR02	Missing Debtor Name Or Address	Regulatory Reason Type of R-trans: Reject, Return
RR03	Missing Creditor Name Or Address	Regulatory Reason Type of R-trans: Reject, Return
RR04	Regulatory Reason	Regulatory Reason Type of R-trans: Reject, Return
SL01	Specific Service Offered By Debtor Agent	Due 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.

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
15016	Impossible to create the transfer, the BICs of the provided wallets are not the same	The Wallet-to-Wallet transfers is not compatible with Local IBAN, a SEPA Transfer can be initiated instead.

Beneficiary errors

The following API errors can be encountered with beneficiaries.

Code	Message	Additional information
75001	IBAN Validation failed
75002	sddB2bWhitelist validation failed
75003	userId validation failed
75004	sepaCreditorIdentifier is missing
75005	sddB2bWhitelist is missing
75006	sddCoreBlacklist validation failed
75007	Beneficiary ID does not exist
75008	Another beneficiary has already used this userId or sepa_creditor_identifier
75009	userId is empty or missing
75010	sepaCreditorIdentifier is empty or missing
75011	BIC IBAN - Invalid country code	See Accepted countries for more information.
180001	The beneficiaryName is required
180002	The beneficiaryIBAN is required
180003	The beneficiaryIBAN is invalid
180050	The beneficiaryValidationId does not exist

Payout errors

The following API errors can be encountered with payouts.

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.
16046	The label type is not correct, it must be a string
16047	Label 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
16048	Label contains invalid chars. Must not start or end with /
16049	Label contains invalid chars. Must not contain //

Mass Payout errors

Code	Message
16050	The payoutTag is required
16051	The payoutTag must be unique
16052	The massPayout request must contain at least two payouts
16053	The Mass Payout is only eligible for userTypeId 2, 3, and 4, or userTypeId 1 with a legalForm set to 1000
16054	The user must have subscribed to the opt-out service
16055	The file size exceeds the limit
16056	The massPayoutTag is required
16057	The massPayoutTag must be unique
16058	All payouts must originate from the same walletId
16061	The massPayoutId is invalid

Mandate errors

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