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Paysafe  (batch) Response Codes:




Direct Debit Response Codes (Europe SEPA)   
Code Message Description
AC01 Account Identifier incorrect (i.e. invalid IBAN of the Debtor) Specified account number is either incorrect or invalid.
AC02 Invalid Debtor Account Number Debtor account number is either invalid or missing.
AC03 Invalid Creditor Account Number Creditor account number is either invalid or missing.
AC04 Account closed Specified account is closed.
AC05 Closed Debtor Account Number Debtor account is closed.
AC06 Account blocked Specified account is blocked, posting of transactions is prohibited.
AC07 Closed Creditor Account Number Creditor account is closed.
AC08 Invalid Branch Code Branch code is either invalid or missing.
AC09 Invalid Account Currency Account currency is either invalid or missing.
AC10 Invalid Debtor Account Currency Debtor account currency is either invalid or missing.
AC11 Invalid Creditor Account Currency Creditor account currency is either invalid or missing.
AC12 Invalid Account Type Account type is either invalid or missing.
AC13 Debtor account is a consumer account Debtor account type is invalid. Used for SDD B2B collections only.
AC14 Invalid Creditor Account Type Creditor account type is either invalid or missing.
AG01 Direct Debit forbidden on this account for regulatory reasons Submitted transaction is forbidden for this type of account for regulatory reasons.
AG02 Operation code/transaction code/sequence type incorrect, invalid file format 1) Bank operation code specified in the message is invalid; 2) Sequence type is incorrect; 3) SDD schemes: specified identification code of the scheme is incorrect.
AG03 Transaction Not Supported Specified transaction type is not supported or is not authorized on this account.
AG04 Invalid Agent Country Agent country code is either invalid or missing.
AG05 Invalid Debtor Agent Country Debtor agent country code is either invalid or missing.
AG06 Invalid Creditor Agent Country Creditor agent country code is either invalid or missing.
AG07 Unsuccessful Direct Debit Debtor account cannot be debited for a generic reason. Reason code may be used in general purposes and as a replacement for AM04 if debtor bank does not reveal its customer's insufficient funds for privacy reasons.
AG08 Invalid Access Rights Transaction has failed due to invalid or missing user or access rights.
AGNT Incorrect Agent Agent in the payment workflow is incorrect.
AM01 Zero Amount Transaction amount is equal to zero.
AM02 Not Allowed Amount Transaction amount is greater than allowed maximum.
AM03 Not Allowed Currency Specified currency code cannot be processed.
AM04 Insufficient Funds Available balance is not sufficient to cover the amount of the debit entry.
AM05 Duplicate collection Same SDD collection had been processed in the near past.
AM06 Too Low Amount Transaction amount is less than agreed minimum.
AM07 Blocked Amount Amount of funds available to cover specified transaction amount is insufficient.
AM09 Wrong Amount Received amount has not been agreed or expected.
AM10 Invalid Control Sum Sum of instructed amounts does not equal the control sum.
AM11 Invalid Transaction Currency Transaction currency is either invalid or missing.
AM12 Invalid Amount Transaction amount is either invalid or missing.
AM13 Amount Exceeds Clearing System Limit Transaction amount exceeds the limit set by a clearing system.
AM14 Amount Exceeds Agreed Limit Transaction amount exceeds limit agreed between bank and client.
AM15 Amount Below Clearing System Minimum Transaction amount is below minimum value of a clearing system.
AM16 Invalid Group Control Sum Control Sum at the Group level is invalid.
AM17 Invalid Payment Info Control Sum Control sum at the Payment Information level is invalid.
AM18 Invalid Number Of Transactions Number of transactions is either invalid or missing.
AM19 Invalid Group Number of Transactions Number of transactions at the Group level is either invalid or missing.
AM20 Invalid Payment Info Number Of Transactions Number of transactions at the Payment Information level is invalid.
AM21 Limit Exceeded Transaction amount exceeds limits agreed between bank and client.
ARDT Transaction has already been returned Specified transaction has already been returned.
BE01 Inconsistent With End Customer Identification of end customer is not consistent with associated account number.
BE04 Missing Creditor Address Specification of creditor's address, which is required for payment, is either missing or incorrect.
BE05 Identifier of the Creditor Incorrect Creditor identifier is not correct or has been changed without an amendment had been reported.
BE06 Unknown End Customer Specified end customer is not known at associated Sort/National Bank Code or does no longer exist.
BE07 Missing Debtor Address Specification of debtor's address, which is required for payment, is either missing or incorrect.
BE08 Missing Debtor Name Debtor name is missing.
BE09 Invalid Country Country code is either invalid or missing.
BE10 Invalid Debtor Country Debtor country code is either invalid or missing.
BE11 Invalid Creditor Country Creditor country code is is either invalid or missing.
BE12 Invalid Country Of Residence Country code of residence is either invalid or missing.
BE13 Invalid Debtor Country Of Residence Country code of debtor's residence is either invalid or missing.
BE14 Invalid Creditor Country Of Residence Country code of creditor's residence is either invalid or missing.
BE15 Invalid Identification Code Identification code is either invalid or missing.
BE16 Invalid Debtor Identification Code Debtor or Ultimate Debtor identification code is either invalid or missing.
BE17 Invalid Creditor Identification Code Creditor or Ultimate Creditor identification code is either invalid or missing.
BE18 Invalid Contact Details Contact details are either invalid or missing.
BE19 Invalid Charge Bearer Code Charge bearer code for transaction type is invalid.
BE20 Invalid Name Length Name length exceeds local rules for specified payment type.
BE21 Missing Name Name is either invalid or missing.
BE22 Missing Creditor Name Creditor name is missing.
CNOR Creditor Bank is not registered under this BIC in the CSM Creditor bank is not registered under this BIC at the CSM. Contact the creditor bank.
CURR Incorrect Currency Currency of the pay­ment is incorrect.
CUST Requested by Customer Cancellation is requested by the debtor.
CUTA Cancel Upon Unable to Apply Cancellation requested because an investiga­tion request has been received and no remedi­ation is possible.
DNOR Debtor Bank is not registered under this BIC in the CSM Debtor Bank is not registered under this BIC in the CSM. Contact debtor to agree on another means of payment.
DS01 Electronic Signatures Correct Electronic signature is correct.
DS02 Order Cancelled An authorized user has cancelled the order.
DS03 Order Not Cancelled User’s attempt to cancel the order was not successful.
DS04 Order Rejected Order has been rejected by the bank side (for reasons concerning content).
DS05 Order Forwarded For Post processing Order is correct and can be forwarded for post processing.
DS06 Transfer Order Order was transferred to VEU.
DS07 Processing OK All actions concerning the order could be done by the EBICS bank server.
DS08 Decompression Error Decompression of the file was not successful.
DS09 Decryption Error Decryption of the file was not successful.
DS0A Data Sign Requested Data signature is required.
DS0B Unknown Data Sign Format Data signature for the format is invalid or not available.
DS0C Signer Certificate Revoked Signer certificate is revoked.
DS0D Signer Certificate Not Valid Signer certificate is not valid (is either revoked or not active).
DS0E Incorrect Signer Certificate Signer certificate is not present.
DS0F Signer Certification Authority Signer Not Valid Authority of the signer certification sending the certificate is unknown.
DS0G Not Allowed Payment Signer is not allowed to sign an operation of the specified type.
DS0H Not Allowed Account Signer is not allowed to sign for the specified account.
DS0K Not Allowed Number Of Transaction Transaction number is over the number allowed for this signer.
DS10 Signer 1 Certificate Revoked Certificate is revoked for the first signer.
DS11 Signer 1 Certificate Not Valid Certificate is not valid (is either revoked or not active) for the first signer.
DS12 Incorrect Signer 1 Certificate Certificate is not present for the first signer.
DS13 Signer Certification Authority Signer 1 Not Valid Authority of signer certification sending the certificate is unknown for the first signer.
DS14 User Does Not Exist User does not exist within the system.
DS15 Identical Signature Found Same signature has already been sent to the bank.
DS16 Public Key Version Incorrect Public key version is not correct. This code is returned when a customer sends signature files to the financial institution after conversion from an older program version (old ES format) to a new program version (new ES format) without having carried out reinitialisation with regard to a public key change.
DS17 Different Order Data In Signatures Order data in signatures don’t match.
DS18 Repeat Order File cannot be tested; the complete order has to be repeated. This code is returned in the event of a malfunction during the signature check, e.g. not enough storage space.
DS19 Electronic Signature Rights Insufficient User’s rights (concerning his signature) are insufficient to execute the order.
DS20 Signer 2 Certificate Revoked Certificate is revoked for the second signer.
DS21 Signer 2 Certificate Not Valid Certificate is not valid (is either revoked or not active) for the second signer.
DS22 Incorrect Signer 2 Certificate Certificate is not present for the second signer.
DS23 Signer Certification Authority Signer 2 Not Valid Authority of signer certification sending the certificate is unknown for the second signer.
DS24 Waiting Time Expired Waiting time expired due to incomplete order.
DS25 Order File Deleted Order file has been deleted by the bank server (for multiple reasons).
DS26 User Signed Multiple Times Same user has signed multiple times.
DS27 User Not Yet Activated User is not yet activated (technically).
DT01 Invalid Date Invalid date (e.g. wrong settlement date).
DT02 Invalid Creation Date Invalid creation date and time in Group Header.
DT03 Invalid Non Processing Date Invalid non-processing date (e.g. weekend or local public holiday).
DT04 Future Date Not Supported Future date is not supported.
DT05 Invalid Cut Off Date Associated message, payment information block or transaction was received after agreed processing cutoff date, i.e., date in the past.
DT06 Execution Date Changed Execution date has been modified in order for transaction to be processed.
DU01 Duplicate Message ID Message ID is not unique.
DU02 Duplicate Payment Information ID Payment Information Block is not unique.
DU03 Duplicate Transaction Transaction is not unique.
DU04 Duplicate End To End ID End To End ID is not unique.
DU05 Duplicate Instruction ID Instruction ID is not unique.
DUPL Duplicate Payment Submitted payment is a duplicate of another payment.
ED01 Correspondent Bank Not Possible Correspondent bank is not possible.
ED03 Balance Info Request Сomplementary balance information is requested.
ED05 Settlement Failed Settlement of the transaction has failed.
EMVL EMV Liability Shift Card payment is fraudulent and was not processed with EMV technology for an EMV card.
FF01 File Format incomplete or invalid 1) XML file was not filled out completely or is inorrect; 2) There is a syntax error in the file; 3) Creditor bank or its intermediary bank did not complete a XSD check before submitting the file into the scheme.
FF02 Syntax Error Syntax error reason is provided as narrative information in the additional reason information.
FF03 Invalid Payment Type Information Payment Type Information is either invalid or missing.
FF04 Invalid Service Level Code Service Level code is either invalid or missing.
FF05 Operation code/transaction code type incorrect (Direct Debit Type (CORE, COR1) incorrect) SDD Core: specified identification code of the scheme (i.e. local instrument) is incorrect.
FF06 Invalid Category Purpose Code Category Purpose code is either invalid or missing.
FF07 Invalid Purpose Purpose is either invalid or missing.
FF08 Invalid End To End Id End to End ID is either invalid or missing.
FF09 Invalid Cheque Number Cheque number is either invalid or missing.
FF10 Bank System Processing Error File or transaction cannot be processed due to technical issues at the bank side.
FOCR Following Cancellation Request Designation for a return on the basis of a recall request.
FRAD Payment effected fraudulently Payment is fraudulent originated.
ID01 Corresponding Original File Still Not Sent Signature file was sent to the bank but the corresponding original file has not been sent yet.
LEGL Legal Decision Rejection on legal grounds.
MD01 No mandate 1) Mandate does not exist; 2) B2B mandate have not been confirmed by the debtor; 3) Refund transaction is unauthorised (For SDD Core collections only); 4) Mandate has been cancelled.
MD02 Mandate data missing or incorrect 1) Mandate data in the mandate related information is not identical to those in the mandate (amendments had not been communicated); 2) Mandate data is not consistent with version that has been already received for the UMR; 3) In case of mandate amendment: the original IBAN and the IBAN in the collection are the same.
MD03 Invalid File Format For Other Reason Than Grouping Indicator File format is either incomplete or invalid.
MD05 Collection Not Due Creditor or creditor's agent should not have collected the direct debit.
MD06 Disputed authorized transaction Unconditional refund of a transaction. Used for SDD Core collections only.
MD07 Debtor Deceased Debtor has deceased. Used for SDD Core collections only.
MD08 No Mandate Service By Agent Receiving agent does not offer specified mandate service.
MD09 No Mandate Service On Customer Account is not open to specified mandate service.
MD10 No Mandate Service For Specified Account is not open to specified mandate service for this particular creditor.
MD11 Unrecognised Agent Agent to whom the message needs to be forwarded cannot be located.
MD12 Not Unique Mandate Reference Mandate identification is not unique to the creditor.
MD13 Incorrect Customer Authentication There is a problem with the customer authentication.
MD14 Incorrect Agent Agent in the payment workflow is incorrect.
MD15 Incorrect Currency Specified currency is incorrect.
MD16 Requested By Customer Cancellation/amendment is requested by the debtor.
MD17 Requested By Initiating Party Cancellation/amendment is requested by the creditor.
MS02 Refusal by the Debtor Reason has not been specified by end customer.
MS03 Reason not specified Reason has not been specified by agent.
NARR Narrative Reason is provided as narrative information in the additional reason information.
NOAS No Answer From Customer There is no response from payee.
NOOR No Original Transaction Received Original credit transfer has never been received.
PART Partial Rejection Of Bulks Bulks are partially rejected.
PINL PIN Liability Shift Card payment is fraudulent and was processed as EMV transaction without PIN verification.
PY01 The Beneficiary Or The Ordering Bank Is Not Participant In The EBA Transaction cannot be processed because the beneficiary and/or the ordering bank is not reported as a direct or indirect participant in the EBA.
RC01 Bank Identifier (BIC) Incorrect Specified bank identifier code is mal-formatted or incorrect.
RC02 Invalid Bank Identifier Bank identifier is either invalid or missing.
RC03 Invalid Debtor Bank Identifier Debtor bank identifier is either invalid or missing.
RC04 Invalid Creditor Bank Identifier Creditor bank identifier is either invalid or missing.
RC05 Invalid BIC Identifier BIC identifier is either invalid or missing.
RC06 Invalid Debtor BIC Identifier Debtor BIC identifier is either invalid or missing.
RC07 Invalid Creditor BIC Identifier Creditor BIC identifier is either invalid or missing.
RC08 Invalid Clearing System Member Identifier Clearing System Member identifier is either invalid or missing.
RC09 Invalid Debtor Clearing System Member Identifier Debtor Clearing System Member identifier is either invalid or missing.
RC10 Invalid Creditor Clearing System Member Identifier Creditor Clearing System Member identifier is either invalid or missing.
RC11 Invalid Intermediary Agent Intermediary Agent is either invalid or missing.
RC12 Missing Creditor Scheme Id Creditor Scheme ID is either invalid or missing.
RF01 Not Unique Transaction Reference Transaction reference is not unique within the message.
RJCT Complete Rejection Of Bulks Bulks are rejected completely.
RR01 Regulatory Reason Specification of the debtor’s account or unique identification needed for reasons of regulatory requirements is insufficient or missing.
RR02 Regulatory Reason Specification of the debtor’s name and/or address needed for regulatory requirements is insufficient or missing.
RR03 Regulatory Reason Specification of the creditor’s name and/or address needed for regulatory requirements is insufficient or missing.
RR04 Regulatory Reason Only to be used for Regulatory Reason other than RR01, RR02 or RR03.
RR05 Regulatory Information Invalid Regulatory or Central Bank Reporting information is either missing, incomplete or invalid.
RR06 Tax Information Invalid Tax information is either missing, incomplete or invalid.
RR07 Remittance Information Invalid Remittance information structure does not comply with rules for specified payment type.
RR08 Remittance Information Truncated Remittance information is truncated to comply with rules for specified payment type.
RR09 Invalid Structured Creditor Reference Structured creditor reference is either invalid or missing.
RR10 Invalid Character Set Supplied character set is not valid for specified country and payment type.
RR11 Invalid Debtor Agent Service ID Identification of a bank proprietary service is either invalid or missing.
RR12 Invalid Party ID Identification required within specified country or payment type is either invalid or missing.
SL01 Specific Service offered by the Debtor Bank All debtor-invoked consumer-right rejects creditor blocking, collection amount limitations and collection frequency limitations.
SL02 Specific Service offered by Creditor Agent Due to specific service offered by the Creditor Agent.
SVNR Service Not Rendered Card payment is returned since rendered cash amount was not correct or goods or a service was not rendered to the customer, e.g. in an ecommerce situation.
TA01 Transmisson Aborted Transmission of the file was not successful and had to be aborted for technical reasons.
TD01 No Data Available There is no data available for downloading.
TD02 File Non Readable File cannot be read (e.g. unknown format).
TD03 Incorrect File Structure File format is either incomplete or invalid.
TECH Technical problems resulting in erroneous credit transfer Techinal problems resulting in erroneous SDDs.
TM01 Invalid Cut Off Time Associated message was received after agreed processing cutoff time.
TS01 Transmission Successful Technical transmission of the file was successful.
TS04 Transfer To Sign By Hand Order was transferred to pass by accompanying note signed by hand.
UPAY Undue Payment Payment is not justified.
VR01 Transaction data integrity validation error Transaction data has not been validated by the processor.
XD19 Incorrect IBAN IBAN format is invalid. Issued if the country code is a valid ISO or SEPA country code but structure of IBAN or check digits is incorrect.
XD75 Unauthorised element in the following combination There is an unauthorised element in the following combination.
XT13 Incorrect file structure Transaction contains at least one unsupported field or at least one mandatory field is missing from the transaction.
XT27 Incorrect BIC Transaction contains at least one element with a BIC that is not SEPA-reachable.
XT33 Incorrect XML field The content of at least one XML element is not in the format required. The invalid XML field is indicated by the error code.
XT43 Incorrect type of direct debit Type of direct debit is incorrect.
XT53 Verification of the creditor identifier failed Verification of creditor indentifiers in structure/checksum has failed.
XT73 Invalid Country Code Two characters forming the country code do not constitute a valid ISO or SEPA country code.
XT74 Invalid underlying original transaction Underlying original transaction is invalid. Further check is required.
XT75 Invalid status of underlying original transaction Status of underlying original transaction is invalid. No further action is required.
XT77 The originally instructed amount was not found or does not match the original transaction amount The originally instructed amount was not found or does not match the original transaction amount.
XT78 Amount validation failed Transaction amount validation has failed.
XT79 Debtor Agent is not permitted to receive direct debits Debtor agent is not permitted to receive direct debits.
XT80 Creditor Agent is not permitted to send direct debits Creditor agent is not permitted to send direct debits.
XT85 No Settlement Cycle Available Settlement cycles are not available.
XT90 Invalid use of a Technical BIC Technical BIC usage is not valid.
XT99 Direct debit rejected for other reasons Credit transfer was rejected for other reasons.
XX01 Processing Cancelled Transaction processing has been cancelled by a customer.

Direct Debit Response Codes (UK BACS)   
Code Message Description
0 Refer to payer Reason for non-payment need to be established from the payer.
1 Instruction canceled Paying bank has cancelled an instruction.
2 Payer deceased Account holder is deceased (used in the event of a representative payee, guardian, or trustee).
3 Account transferred Account has been transferred to a new bank or building society.
4 Advance notice disputed Payer disputes time, amount or frequency of advance notice and has requested single payment to be countermanded.
5 No Account Account number is not recognised at the paying bank.
6 No Instruction Instruction does not exist on paying bank's database.
7 Amount differs Payer states the amount of the direct debit differs from the amount in the advance notiice to payer.
8 Amount not yet due Payers states date of debiting is in advance of the due date specified in the advance notice to the payer.
9 Presentation overdue 1) Payer states date of presentation is more than 3 working days after due date in advance notice to payer; 2) Re-presentation of unpaid direct debit is more than one month from original direct debit processing day.
A Service user differs Identity of service user differs from DDI.
B Account Closed Payer has closed an account for an unknown reason.
C Account transferred to a different branch of bank/building society New account details need to be supplied to the service user.
D Advance notice disputed Payer disputes time, amount or frequency of advance notice and has requested single payment to be countermanded.
E Instruction amended Paying bank will advise amendment via ADDACS message.
F Invalid account type Paying bank dose not allow direct debits on this type of account.
G Bank will not accept Direct Debits on this type of Account Paying bank does not allow direct debits on this type of account.
H Instruction has expired Occurs when a service user attempts to convert a DDI which is shown as expired on the paying bank's database.
I Payer reference is not unique Paying bank has matched the DDI to an existing DDI with a similar reference that has more or fewer characters.
K Instruction canceled by paying bank Paying bank has cancelled the DDI.
L Incorrect payer's Account Details 1) The sort code or account number has failed the modulus check; 2) The sort code does not exist; 3) The account number is not all numeric or is all zeros; 4) The account type is invalid.
M Transaction Code/User Status incompatible Transaction codes, which are not allowed whilst in this status, have been sent.
N Transaction disallowed at payer's branch Paying banks have disallowed the set-up of DDIs at the branch in field 1 of the transaction. Service user should refer back to their payer and obtain a DDI for a different account.
O Invalid reference The reference in one of the DDI record fields does not comply with the AUDDIS rules.
P Payer's Name not present Validation has detected that payer's name field is blank. A payer's name should always be entered.
Q Servise user's name blank Validation has detected that servise user's name field is blank. A servise user's company or tranding name should always be entered.
R Instruction re-instated Paying bank may re-instate a cancelled DDI up to two months from cancelation.
V Transaction data integrity validation error Transaction data has not been validated by the processor.
X Processing Cancelled Transaction processing has been cancelled by a customer.

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Paysafe  (batch) Response Codes:




Direct Debit Response Codes (Europe SEPA)   
Code Message Description
AC01 Account Identifier incorrect (i.e. invalid IBAN of the Debtor) Specified account number is either incorrect or invalid.
AC02 Invalid Debtor Account Number Debtor account number is either invalid or missing.
AC03 Invalid Creditor Account Number Creditor account number is either invalid or missing.
AC04 Account closed Specified account is closed.
AC05 Closed Debtor Account Number Debtor account is closed.
AC06 Account blocked Specified account is blocked, posting of transactions is prohibited.
AC07 Closed Creditor Account Number Creditor account is closed.
AC08 Invalid Branch Code Branch code is either invalid or missing.
AC09 Invalid Account Currency Account currency is either invalid or missing.
AC10 Invalid Debtor Account Currency Debtor account currency is either invalid or missing.
AC11 Invalid Creditor Account Currency Creditor account currency is either invalid or missing.
AC12 Invalid Account Type Account type is either invalid or missing.
AC13 Debtor account is a consumer account Debtor account type is invalid. Used for SDD B2B collections only.
AC14 Invalid Creditor Account Type Creditor account type is either invalid or missing.
AG01 Direct Debit forbidden on this account for regulatory reasons Submitted transaction is forbidden for this type of account for regulatory reasons.
AG02 Operation code/transaction code/sequence type incorrect, invalid file format 1) Bank operation code specified in the message is invalid; 2) Sequence type is incorrect; 3) SDD schemes: specified identification code of the scheme is incorrect.
AG03 Transaction Not Supported Specified transaction type is not supported or is not authorized on this account.
AG04 Invalid Agent Country Agent country code is either invalid or missing.
AG05 Invalid Debtor Agent Country Debtor agent country code is either invalid or missing.
AG06 Invalid Creditor Agent Country Creditor agent country code is either invalid or missing.
AG07 Unsuccessful Direct Debit Debtor account cannot be debited for a generic reason. Reason code may be used in general purposes and as a replacement for AM04 if debtor bank does not reveal its customer's insufficient funds for privacy reasons.
AG08 Invalid Access Rights Transaction has failed due to invalid or missing user or access rights.
AGNT Incorrect Agent Agent in the payment workflow is incorrect.
AM01 Zero Amount Transaction amount is equal to zero.
AM02 Not Allowed Amount Transaction amount is greater than allowed maximum.
AM03 Not Allowed Currency Specified currency code cannot be processed.
AM04 Insufficient Funds Available balance is not sufficient to cover the amount of the debit entry.
AM05 Duplicate collection Same SDD collection had been processed in the near past.
AM06 Too Low Amount Transaction amount is less than agreed minimum.
AM07 Blocked Amount Amount of funds available to cover specified transaction amount is insufficient.
AM09 Wrong Amount Received amount has not been agreed or expected.
AM10 Invalid Control Sum Sum of instructed amounts does not equal the control sum.
AM11 Invalid Transaction Currency Transaction currency is either invalid or missing.
AM12 Invalid Amount Transaction amount is either invalid or missing.
AM13 Amount Exceeds Clearing System Limit Transaction amount exceeds the limit set by a clearing system.
AM14 Amount Exceeds Agreed Limit Transaction amount exceeds limit agreed between bank and client.
AM15 Amount Below Clearing System Minimum Transaction amount is below minimum value of a clearing system.
AM16 Invalid Group Control Sum Control Sum at the Group level is invalid.
AM17 Invalid Payment Info Control Sum Control sum at the Payment Information level is invalid.
AM18 Invalid Number Of Transactions Number of transactions is either invalid or missing.
AM19 Invalid Group Number of Transactions Number of transactions at the Group level is either invalid or missing.
AM20 Invalid Payment Info Number Of Transactions Number of transactions at the Payment Information level is invalid.
AM21 Limit Exceeded Transaction amount exceeds limits agreed between bank and client.
ARDT Transaction has already been returned Specified transaction has already been returned.
BE01 Inconsistent With End Customer Identification of end customer is not consistent with associated account number.
BE04 Missing Creditor Address Specification of creditor's address, which is required for payment, is either missing or incorrect.
BE05 Identifier of the Creditor Incorrect Creditor identifier is not correct or has been changed without an amendment had been reported.
BE06 Unknown End Customer Specified end customer is not known at associated Sort/National Bank Code or does no longer exist.
BE07 Missing Debtor Address Specification of debtor's address, which is required for payment, is either missing or incorrect.
BE08 Missing Debtor Name Debtor name is missing.
BE09 Invalid Country Country code is either invalid or missing.
BE10 Invalid Debtor Country Debtor country code is either invalid or missing.
BE11 Invalid Creditor Country Creditor country code is is either invalid or missing.
BE12 Invalid Country Of Residence Country code of residence is either invalid or missing.
BE13 Invalid Debtor Country Of Residence Country code of debtor's residence is either invalid or missing.
BE14 Invalid Creditor Country Of Residence Country code of creditor's residence is either invalid or missing.
BE15 Invalid Identification Code Identification code is either invalid or missing.
BE16 Invalid Debtor Identification Code Debtor or Ultimate Debtor identification code is either invalid or missing.
BE17 Invalid Creditor Identification Code Creditor or Ultimate Creditor identification code is either invalid or missing.
BE18 Invalid Contact Details Contact details are either invalid or missing.
BE19 Invalid Charge Bearer Code Charge bearer code for transaction type is invalid.
BE20 Invalid Name Length Name length exceeds local rules for specified payment type.
BE21 Missing Name Name is either invalid or missing.
BE22 Missing Creditor Name Creditor name is missing.
CNOR Creditor Bank is not registered under this BIC in the CSM Creditor bank is not registered under this BIC at the CSM. Contact the creditor bank.
CURR Incorrect Currency Currency of the pay­ment is incorrect.
CUST Requested by Customer Cancellation is requested by the debtor.
CUTA Cancel Upon Unable to Apply Cancellation requested because an investiga­tion request has been received and no remedi­ation is possible.
DNOR Debtor Bank is not registered under this BIC in the CSM Debtor Bank is not registered under this BIC in the CSM. Contact debtor to agree on another means of payment.
DS01 Electronic Signatures Correct Electronic signature is correct.
DS02 Order Cancelled An authorized user has cancelled the order.
DS03 Order Not Cancelled User’s attempt to cancel the order was not successful.
DS04 Order Rejected Order has been rejected by the bank side (for reasons concerning content).
DS05 Order Forwarded For Post processing Order is correct and can be forwarded for post processing.
DS06 Transfer Order Order was transferred to VEU.
DS07 Processing OK All actions concerning the order could be done by the EBICS bank server.
DS08 Decompression Error Decompression of the file was not successful.
DS09 Decryption Error Decryption of the file was not successful.
DS0A Data Sign Requested Data signature is required.
DS0B Unknown Data Sign Format Data signature for the format is invalid or not available.
DS0C Signer Certificate Revoked Signer certificate is revoked.
DS0D Signer Certificate Not Valid Signer certificate is not valid (is either revoked or not active).
DS0E Incorrect Signer Certificate Signer certificate is not present.
DS0F Signer Certification Authority Signer Not Valid Authority of the signer certification sending the certificate is unknown.
DS0G Not Allowed Payment Signer is not allowed to sign an operation of the specified type.
DS0H Not Allowed Account Signer is not allowed to sign for the specified account.
DS0K Not Allowed Number Of Transaction Transaction number is over the number allowed for this signer.
DS10 Signer 1 Certificate Revoked Certificate is revoked for the first signer.
DS11 Signer 1 Certificate Not Valid Certificate is not valid (is either revoked or not active) for the first signer.
DS12 Incorrect Signer 1 Certificate Certificate is not present for the first signer.
DS13 Signer Certification Authority Signer 1 Not Valid Authority of signer certification sending the certificate is unknown for the first signer.
DS14 User Does Not Exist User does not exist within the system.
DS15 Identical Signature Found Same signature has already been sent to the bank.
DS16 Public Key Version Incorrect Public key version is not correct. This code is returned when a customer sends signature files to the financial institution after conversion from an older program version (old ES format) to a new program version (new ES format) without having carried out reinitialisation with regard to a public key change.
DS17 Different Order Data In Signatures Order data in signatures don’t match.
DS18 Repeat Order File cannot be tested; the complete order has to be repeated. This code is returned in the event of a malfunction during the signature check, e.g. not enough storage space.
DS19 Electronic Signature Rights Insufficient User’s rights (concerning his signature) are insufficient to execute the order.
DS20 Signer 2 Certificate Revoked Certificate is revoked for the second signer.
DS21 Signer 2 Certificate Not Valid Certificate is not valid (is either revoked or not active) for the second signer.
DS22 Incorrect Signer 2 Certificate Certificate is not present for the second signer.
DS23 Signer Certification Authority Signer 2 Not Valid Authority of signer certification sending the certificate is unknown for the second signer.
DS24 Waiting Time Expired Waiting time expired due to incomplete order.
DS25 Order File Deleted Order file has been deleted by the bank server (for multiple reasons).
DS26 User Signed Multiple Times Same user has signed multiple times.
DS27 User Not Yet Activated User is not yet activated (technically).
DT01 Invalid Date Invalid date (e.g. wrong settlement date).
DT02 Invalid Creation Date Invalid creation date and time in Group Header.
DT03 Invalid Non Processing Date Invalid non-processing date (e.g. weekend or local public holiday).
DT04 Future Date Not Supported Future date is not supported.
DT05 Invalid Cut Off Date Associated message, payment information block or transaction was received after agreed processing cutoff date, i.e., date in the past.
DT06 Execution Date Changed Execution date has been modified in order for transaction to be processed.
DU01 Duplicate Message ID Message ID is not unique.
DU02 Duplicate Payment Information ID Payment Information Block is not unique.
DU03 Duplicate Transaction Transaction is not unique.
DU04 Duplicate End To End ID End To End ID is not unique.
DU05 Duplicate Instruction ID Instruction ID is not unique.
DUPL Duplicate Payment Submitted payment is a duplicate of another payment.
ED01 Correspondent Bank Not Possible Correspondent bank is not possible.
ED03 Balance Info Request Сomplementary balance information is requested.
ED05 Settlement Failed Settlement of the transaction has failed.
EMVL EMV Liability Shift Card payment is fraudulent and was not processed with EMV technology for an EMV card.
FF01 File Format incomplete or invalid 1) XML file was not filled out completely or is inorrect; 2) There is a syntax error in the file; 3) Creditor bank or its intermediary bank did not complete a XSD check before submitting the file into the scheme.
FF02 Syntax Error Syntax error reason is provided as narrative information in the additional reason information.
FF03 Invalid Payment Type Information Payment Type Information is either invalid or missing.
FF04 Invalid Service Level Code Service Level code is either invalid or missing.
FF05 Operation code/transaction code type incorrect (Direct Debit Type (CORE, COR1) incorrect) SDD Core: specified identification code of the scheme (i.e. local instrument) is incorrect.
FF06 Invalid Category Purpose Code Category Purpose code is either invalid or missing.
FF07 Invalid Purpose Purpose is either invalid or missing.
FF08 Invalid End To End Id End to End ID is either invalid or missing.
FF09 Invalid Cheque Number Cheque number is either invalid or missing.
FF10 Bank System Processing Error File or transaction cannot be processed due to technical issues at the bank side.
FOCR Following Cancellation Request Designation for a return on the basis of a recall request.
FRAD Payment effected fraudulently Payment is fraudulent originated.
ID01 Corresponding Original File Still Not Sent Signature file was sent to the bank but the corresponding original file has not been sent yet.
LEGL Legal Decision Rejection on legal grounds.
MD01 No mandate 1) Mandate does not exist; 2) B2B mandate have not been confirmed by the debtor; 3) Refund transaction is unauthorised (For SDD Core collections only); 4) Mandate has been cancelled.
MD02 Mandate data missing or incorrect 1) Mandate data in the mandate related information is not identical to those in the mandate (amendments had not been communicated); 2) Mandate data is not consistent with version that has been already received for the UMR; 3) In case of mandate amendment: the original IBAN and the IBAN in the collection are the same.
MD03 Invalid File Format For Other Reason Than Grouping Indicator File format is either incomplete or invalid.
MD05 Collection Not Due Creditor or creditor's agent should not have collected the direct debit.
MD06 Disputed authorized transaction Unconditional refund of a transaction. Used for SDD Core collections only.
MD07 Debtor Deceased Debtor has deceased. Used for SDD Core collections only.
MD08 No Mandate Service By Agent Receiving agent does not offer specified mandate service.
MD09 No Mandate Service On Customer Account is not open to specified mandate service.
MD10 No Mandate Service For Specified Account is not open to specified mandate service for this particular creditor.
MD11 Unrecognised Agent Agent to whom the message needs to be forwarded cannot be located.
MD12 Not Unique Mandate Reference Mandate identification is not unique to the creditor.
MD13 Incorrect Customer Authentication There is a problem with the customer authentication.
MD14 Incorrect Agent Agent in the payment workflow is incorrect.
MD15 Incorrect Currency Specified currency is incorrect.
MD16 Requested By Customer Cancellation/amendment is requested by the debtor.
MD17 Requested By Initiating Party Cancellation/amendment is requested by the creditor.
MS02 Refusal by the Debtor Reason has not been specified by end customer.
MS03 Reason not specified Reason has not been specified by agent.
NARR Narrative Reason is provided as narrative information in the additional reason information.
NOAS No Answer From Customer There is no response from payee.
NOOR No Original Transaction Received Original credit transfer has never been received.
PART Partial Rejection Of Bulks Bulks are partially rejected.
PINL PIN Liability Shift Card payment is fraudulent and was processed as EMV transaction without PIN verification.
PY01 The Beneficiary Or The Ordering Bank Is Not Participant In The EBA Transaction cannot be processed because the beneficiary and/or the ordering bank is not reported as a direct or indirect participant in the EBA.
RC01 Bank Identifier (BIC) Incorrect Specified bank identifier code is mal-formatted or incorrect.
RC02 Invalid Bank Identifier Bank identifier is either invalid or missing.
RC03 Invalid Debtor Bank Identifier Debtor bank identifier is either invalid or missing.
RC04 Invalid Creditor Bank Identifier Creditor bank identifier is either invalid or missing.
RC05 Invalid BIC Identifier BIC identifier is either invalid or missing.
RC06 Invalid Debtor BIC Identifier Debtor BIC identifier is either invalid or missing.
RC07 Invalid Creditor BIC Identifier Creditor BIC identifier is either invalid or missing.
RC08 Invalid Clearing System Member Identifier Clearing System Member identifier is either invalid or missing.
RC09 Invalid Debtor Clearing System Member Identifier Debtor Clearing System Member identifier is either invalid or missing.
RC10 Invalid Creditor Clearing System Member Identifier Creditor Clearing System Member identifier is either invalid or missing.
RC11 Invalid Intermediary Agent Intermediary Agent is either invalid or missing.
RC12 Missing Creditor Scheme Id Creditor Scheme ID is either invalid or missing.
RF01 Not Unique Transaction Reference Transaction reference is not unique within the message.
RJCT Complete Rejection Of Bulks Bulks are rejected completely.
RR01 Regulatory Reason Specification of the debtor’s account or unique identification needed for reasons of regulatory requirements is insufficient or missing.
RR02 Regulatory Reason Specification of the debtor’s name and/or address needed for regulatory requirements is insufficient or missing.
RR03 Regulatory Reason Specification of the creditor’s name and/or address needed for regulatory requirements is insufficient or missing.
RR04 Regulatory Reason Only to be used for Regulatory Reason other than RR01, RR02 or RR03.
RR05 Regulatory Information Invalid Regulatory or Central Bank Reporting information is either missing, incomplete or invalid.
RR06 Tax Information Invalid Tax information is either missing, incomplete or invalid.
RR07 Remittance Information Invalid Remittance information structure does not comply with rules for specified payment type.
RR08 Remittance Information Truncated Remittance information is truncated to comply with rules for specified payment type.
RR09 Invalid Structured Creditor Reference Structured creditor reference is either invalid or missing.
RR10 Invalid Character Set Supplied character set is not valid for specified country and payment type.
RR11 Invalid Debtor Agent Service ID Identification of a bank proprietary service is either invalid or missing.
RR12 Invalid Party ID Identification required within specified country or payment type is either invalid or missing.
SL01 Specific Service offered by the Debtor Bank All debtor-invoked consumer-right rejects creditor blocking, collection amount limitations and collection frequency limitations.
SL02 Specific Service offered by Creditor Agent Due to specific service offered by the Creditor Agent.
SVNR Service Not Rendered Card payment is returned since rendered cash amount was not correct or goods or a service was not rendered to the customer, e.g. in an ecommerce situation.
TA01 Transmisson Aborted Transmission of the file was not successful and had to be aborted for technical reasons.
TD01 No Data Available There is no data available for downloading.
TD02 File Non Readable File cannot be read (e.g. unknown format).
TD03 Incorrect File Structure File format is either incomplete or invalid.
TECH Technical problems resulting in erroneous credit transfer Techinal problems resulting in erroneous SDDs.
TM01 Invalid Cut Off Time Associated message was received after agreed processing cutoff time.
TS01 Transmission Successful Technical transmission of the file was successful.
TS04 Transfer To Sign By Hand Order was transferred to pass by accompanying note signed by hand.
UPAY Undue Payment Payment is not justified.
VR01 Transaction data integrity validation error Transaction data has not been validated by the processor.
XD19 Incorrect IBAN IBAN format is invalid. Issued if the country code is a valid ISO or SEPA country code but structure of IBAN or check digits is incorrect.
XD75 Unauthorised element in the following combination There is an unauthorised element in the following combination.
XT13 Incorrect file structure Transaction contains at least one unsupported field or at least one mandatory field is missing from the transaction.
XT27 Incorrect BIC Transaction contains at least one element with a BIC that is not SEPA-reachable.
XT33 Incorrect XML field The content of at least one XML element is not in the format required. The invalid XML field is indicated by the error code.
XT43 Incorrect type of direct debit Type of direct debit is incorrect.
XT53 Verification of the creditor identifier failed Verification of creditor indentifiers in structure/checksum has failed.
XT73 Invalid Country Code Two characters forming the country code do not constitute a valid ISO or SEPA country code.
XT74 Invalid underlying original transaction Underlying original transaction is invalid. Further check is required.
XT75 Invalid status of underlying original transaction Status of underlying original transaction is invalid. No further action is required.
XT77 The originally instructed amount was not found or does not match the original transaction amount The originally instructed amount was not found or does not match the original transaction amount.
XT78 Amount validation failed Transaction amount validation has failed.
XT79 Debtor Agent is not permitted to receive direct debits Debtor agent is not permitted to receive direct debits.
XT80 Creditor Agent is not permitted to send direct debits Creditor agent is not permitted to send direct debits.
XT85 No Settlement Cycle Available Settlement cycles are not available.
XT90 Invalid use of a Technical BIC Technical BIC usage is not valid.
XT99 Direct debit rejected for other reasons Credit transfer was rejected for other reasons.
XX01 Processing Cancelled Transaction processing has been cancelled by a customer.

Direct Debit Response Codes (UK BACS)   
Code Message Description
0 Refer to payer Reason for non-payment need to be established from the payer.
1 Instruction canceled Paying bank has cancelled an instruction.
2 Payer deceased Account holder is deceased (used in the event of a representative payee, guardian, or trustee).
3 Account transferred Account has been transferred to a new bank or building society.
4 Advance notice disputed Payer disputes time, amount or frequency of advance notice and has requested single payment to be countermanded.
5 No Account Account number is not recognised at the paying bank.
6 No Instruction Instruction does not exist on paying bank's database.
7 Amount differs Payer states the amount of the direct debit differs from the amount in the advance notiice to payer.
8 Amount not yet due Payers states date of debiting is in advance of the due date specified in the advance notice to the payer.
9 Presentation overdue 1) Payer states date of presentation is more than 3 working days after due date in advance notice to payer; 2) Re-presentation of unpaid direct debit is more than one month from original direct debit processing day.
A Service user differs Identity of service user differs from DDI.
B Account Closed Payer has closed an account for an unknown reason.
C Account transferred to a different branch of bank/building society New account details need to be supplied to the service user.
D Advance notice disputed Payer disputes time, amount or frequency of advance notice and has requested single payment to be countermanded.
E Instruction amended Paying bank will advise amendment via ADDACS message.
F Invalid account type Paying bank dose not allow direct debits on this type of account.
G Bank will not accept Direct Debits on this type of Account Paying bank does not allow direct debits on this type of account.
H Instruction has expired Occurs when a service user attempts to convert a DDI which is shown as expired on the paying bank's database.
I Payer reference is not unique Paying bank has matched the DDI to an existing DDI with a similar reference that has more or fewer characters.
K Instruction canceled by paying bank Paying bank has cancelled the DDI.
L Incorrect payer's Account Details 1) The sort code or account number has failed the modulus check; 2) The sort code does not exist; 3) The account number is not all numeric or is all zeros; 4) The account type is invalid.
M Transaction Code/User Status incompatible Transaction codes, which are not allowed whilst in this status, have been sent.
N Transaction disallowed at payer's branch Paying banks have disallowed the set-up of DDIs at the branch in field 1 of the transaction. Service user should refer back to their payer and obtain a DDI for a different account.
O Invalid reference The reference in one of the DDI record fields does not comply with the AUDDIS rules.
P Payer's Name not present Validation has detected that payer's name field is blank. A payer's name should always be entered.
Q Servise user's name blank Validation has detected that servise user's name field is blank. A servise user's company or tranding name should always be entered.
R Instruction re-instated Paying bank may re-instate a cancelled DDI up to two months from cancelation.
V Transaction data integrity validation error Transaction data has not been validated by the processor.
X Processing Cancelled Transaction processing has been cancelled by a customer.

Provider Codes:   Hide

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