# 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.
# 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 (opens new window).
| 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 (opens new window).
| 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 |
# 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 (opens new window).
| 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 user |
# Beneficiary errors
The following API errors can be encountered with Beneficiaries.
| 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
The following API errors can be encountered with
| 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. |