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UniPay Cloud  (batch) Response Codes:




Direct Debit Response Codes   
Code Message Description
F02 Operation code/transaction code/invalid file format/validation error 1) Specified bank operation code is invalid; 2) Specified transaction code is either incorrect or invalid; 3) One of the specified fields is either incorrect or invalid; 4) Transaction data has not been validated by the processor.
F03 Indicated data incorrect One or more required identification fields' values are either incorrect or missing.
N01 Insufficient Funds Available balance is not sufficient to cover the amount of the debit entry.
N02 Account Closed Previously active account has been closed by customer or customer's bank.
N03 Routing number is incorrect Either customer's routing number is incorrect or DFI account number is incorrect.
N04 Incorrect or invalid account number Specified account number is either incorrect (i.e. invalid IBAN of the Debtor) or invalid (entry may fail check digit validation or may contain an incorrect number of digits).
N05 Account blocked/frozen/deleted/blacklisted/Institution in Default Specified ACH account is either blocked, frozen, deleted or blacklisted or depository institution is in default.
N06 Incorrect account type Submitted transaction forbidden for this type of account.
N07 Instruction canceled/expired/Refer to payer/stop payment клиент по тем или инным причинам отказывается платить, связатся с клиентом 1) Instruction has been canceled by payer or his bank; 2) Instruction has expired (occures when a service user attempts to convert a DDI which is shown as expired on the paying bank's database); 3) Refer to payer; 4) Payment has stopped.
N08 Transferred Financial institution receives entry destined for an account at a branch that has been transferred to another financial institution.
N09 Instruction re-instated/amended 1) Paying bank may re-instate a cancelled DDI up to two months from cancelation; 2) Paying bank will advise amendment via ADDACS message.
N10 Cannot Trace Trace number is incorrect.
N11 Payer deceased Account holder is deceased (used in the event of a representative payee, guardian, or trustee).
N12 Payment Recalled/Chargeback/Return/No Agreement/No Confirmation 1) Receiver of a recurring debit transaction has stopped payment on a specific ACH debit. RDFI should verify the receiver's intent when a request for stop payment is made to insure this is not intended to be a revocation of authorization; 2) Chargeback has been received; 3) There is one or more issues associated with return entry; 4) There is one or more issues associated with PAD agreement; 5) The payor has requested the debit to be returned as they have did not receive prenotification of a change to the PAD date or amount, or they did not receive written confirmation of a PAD Agreement executed by electronic means.
N13 Other/Misalignment Exception is not defined.
NM01 Mandate/advance notice 1) Mandate data is either missing or incorrect; 2) Payer disputes time, amount or frequency of advance notice and has requested single payment to be countermanded.

Tokenization Error Response Codes   
Code Message Description
P01 Invalid Card Number / Invalid Account Number Specified accountNumber value is either invalid or malformatted. If a payment card has been used, then ''Invalid Card Number'' message is shown, if a bank account - ''Invalid Account Number''.
P02 Invalid Expiration Date / Invalid Routing Number Specified accountAccessory value is either invalid or malformatted. If a payment card has been used, then ''Invalid Expiration Date'' message is shown, if a bank account - ''Invalid Routing Number''.
P03 Incorrect account setup Configured tokenization credentials are either invalid or malformatted.
P04 Token not found Specified token is either invalid or not found within the system.
P19 Unmapped response code Response code returned by the underlying processor has no mapping within the system.
P20 Encryption certificate validation error Either Intermediate or P2PE certificate is invalid.

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UniPay Cloud  (batch) Response Codes:




Direct Debit Response Codes   
Code Message Description
F02 Operation code/transaction code/invalid file format/validation error 1) Specified bank operation code is invalid; 2) Specified transaction code is either incorrect or invalid; 3) One of the specified fields is either incorrect or invalid; 4) Transaction data has not been validated by the processor.
F03 Indicated data incorrect One or more required identification fields' values are either incorrect or missing.
N01 Insufficient Funds Available balance is not sufficient to cover the amount of the debit entry.
N02 Account Closed Previously active account has been closed by customer or customer's bank.
N03 Routing number is incorrect Either customer's routing number is incorrect or DFI account number is incorrect.
N04 Incorrect or invalid account number Specified account number is either incorrect (i.e. invalid IBAN of the Debtor) or invalid (entry may fail check digit validation or may contain an incorrect number of digits).
N05 Account blocked/frozen/deleted/blacklisted/Institution in Default Specified ACH account is either blocked, frozen, deleted or blacklisted or depository institution is in default.
N06 Incorrect account type Submitted transaction forbidden for this type of account.
N07 Instruction canceled/expired/Refer to payer/stop payment клиент по тем или инным причинам отказывается платить, связатся с клиентом 1) Instruction has been canceled by payer or his bank; 2) Instruction has expired (occures when a service user attempts to convert a DDI which is shown as expired on the paying bank's database); 3) Refer to payer; 4) Payment has stopped.
N08 Transferred Financial institution receives entry destined for an account at a branch that has been transferred to another financial institution.
N09 Instruction re-instated/amended 1) Paying bank may re-instate a cancelled DDI up to two months from cancelation; 2) Paying bank will advise amendment via ADDACS message.
N10 Cannot Trace Trace number is incorrect.
N11 Payer deceased Account holder is deceased (used in the event of a representative payee, guardian, or trustee).
N12 Payment Recalled/Chargeback/Return/No Agreement/No Confirmation 1) Receiver of a recurring debit transaction has stopped payment on a specific ACH debit. RDFI should verify the receiver's intent when a request for stop payment is made to insure this is not intended to be a revocation of authorization; 2) Chargeback has been received; 3) There is one or more issues associated with return entry; 4) There is one or more issues associated with PAD agreement; 5) The payor has requested the debit to be returned as they have did not receive prenotification of a change to the PAD date or amount, or they did not receive written confirmation of a PAD Agreement executed by electronic means.
N13 Other/Misalignment Exception is not defined.
NM01 Mandate/advance notice 1) Mandate data is either missing or incorrect; 2) Payer disputes time, amount or frequency of advance notice and has requested single payment to be countermanded.

Tokenization Error Response Codes   
Code Message Description
P01 Invalid Card Number / Invalid Account Number Specified accountNumber value is either invalid or malformatted. If a payment card has been used, then ''Invalid Card Number'' message is shown, if a bank account - ''Invalid Account Number''.
P02 Invalid Expiration Date / Invalid Routing Number Specified accountAccessory value is either invalid or malformatted. If a payment card has been used, then ''Invalid Expiration Date'' message is shown, if a bank account - ''Invalid Routing Number''.
P03 Incorrect account setup Configured tokenization credentials are either invalid or malformatted.
P04 Token not found Specified token is either invalid or not found within the system.
P19 Unmapped response code Response code returned by the underlying processor has no mapping within the system.
P20 Encryption certificate validation error Either Intermediate or P2PE certificate is invalid.

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