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Vantiv Lowell  (batch) Response Codes:




Direct Debit/eCheck Response Codes (Canada ACH)   
Code Message Description
900 Account information incorrectly entered Account information has been entered incorrectly.
901 Insufficient Funds Available balance is not sufficient to cover the dollar amount of the debit entry.
902 Account not Found The account could not be found and is closed, or that's an older style cheque that doesn't meet the requirements of the Canadian Payments Association.
903 Payment Stopped/Recalled 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.
904 Post/Stale Dated
905 Account Closed Previously active account has been closed by a customer or customer's bank.
907 No Debit Allowed The receiving financial institution does not allow electronic debit through this type of account.
908 Funds Not Cleared The payor/payee has deposited a cheque to their account that has not cleared. The payee did not have enough clear funds in the account to cover the debit amount.
909 Currency/Account Mismatch The currency of the transaction does not match the currency of the account.
910 Payor/Payee Deceased Account holder is deceased (used in the event of a representative payee, guardian, or trustee).
911 Account Frozen Funds unavailable due to specific action by the RDFI or by legal action.
912 Invalid/Incorrect Account No The account number is not valid. The transaction may have failed the digit validation or may contain an incorrect number of digits.
914 Incorrect Payor/Payee Name The payor/payee name on the transaction does not match the account holder’s name.
915 No Agreement Existed - Business/Personal Refused The payor has requested the debit to be returned as they have not signed a PAD agreement authorizing the debit.
916 Not in accordance with Agreement - Personal The payor has requested the debit to be returned as the debit has not been issued in accordance with the PAD agreement the customer signed.
917 Agreement Revoked - Personal The payor has requested the debit to be returned as they have cancelled the PAD agreement authorizing the debit.
918 No Confirmation/Pre-Notification - Personal The payor has requested the debit to be returned as they have did not receive pre-notification of a change to the PAD date or amount, or they did not receive written confirmation of a PAD Agreement executed by electronic means.
919 Not in accordance with Agreement - Business The payor has requested the debit to be returned as the debit has not been issued in accordance with the PAD agreement the customer signed.
920 Agreement Revoked - Business The payor has requested the debit to be returned as they have cancelled the PAD agreement authorizing the debit.
921 No Pre-Notification - Business The payor has requested the debit to be returned as they have did not receive pre-notification of a change to the PAD date or amount, or they did not receive written confirmation of a PAD Agreement executed by electronic means.
922 Customer Initiated Return - Credit Only The payee has requested the credit to be returned.
990 Institution in Default
996 Chargeback Chargeback has been received.
998 Unmapped Returns. Specified processor's response code is not recognized by the system. The respective request of a received code clarification needs to be addressed to the processor.
999 Transaction rejected by processor. Submitted transaction has been rejected by the processor.

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Vantiv Lowell  (batch) Response Codes:




Direct Debit/eCheck Response Codes (Canada ACH)   
Code Message Description
900 Account information incorrectly entered Account information has been entered incorrectly.
901 Insufficient Funds Available balance is not sufficient to cover the dollar amount of the debit entry.
902 Account not Found The account could not be found and is closed, or that's an older style cheque that doesn't meet the requirements of the Canadian Payments Association.
903 Payment Stopped/Recalled 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.
904 Post/Stale Dated
905 Account Closed Previously active account has been closed by a customer or customer's bank.
907 No Debit Allowed The receiving financial institution does not allow electronic debit through this type of account.
908 Funds Not Cleared The payor/payee has deposited a cheque to their account that has not cleared. The payee did not have enough clear funds in the account to cover the debit amount.
909 Currency/Account Mismatch The currency of the transaction does not match the currency of the account.
910 Payor/Payee Deceased Account holder is deceased (used in the event of a representative payee, guardian, or trustee).
911 Account Frozen Funds unavailable due to specific action by the RDFI or by legal action.
912 Invalid/Incorrect Account No The account number is not valid. The transaction may have failed the digit validation or may contain an incorrect number of digits.
914 Incorrect Payor/Payee Name The payor/payee name on the transaction does not match the account holder’s name.
915 No Agreement Existed - Business/Personal Refused The payor has requested the debit to be returned as they have not signed a PAD agreement authorizing the debit.
916 Not in accordance with Agreement - Personal The payor has requested the debit to be returned as the debit has not been issued in accordance with the PAD agreement the customer signed.
917 Agreement Revoked - Personal The payor has requested the debit to be returned as they have cancelled the PAD agreement authorizing the debit.
918 No Confirmation/Pre-Notification - Personal The payor has requested the debit to be returned as they have did not receive pre-notification of a change to the PAD date or amount, or they did not receive written confirmation of a PAD Agreement executed by electronic means.
919 Not in accordance with Agreement - Business The payor has requested the debit to be returned as the debit has not been issued in accordance with the PAD agreement the customer signed.
920 Agreement Revoked - Business The payor has requested the debit to be returned as they have cancelled the PAD agreement authorizing the debit.
921 No Pre-Notification - Business The payor has requested the debit to be returned as they have did not receive pre-notification of a change to the PAD date or amount, or they did not receive written confirmation of a PAD Agreement executed by electronic means.
922 Customer Initiated Return - Credit Only The payee has requested the credit to be returned.
990 Institution in Default
996 Chargeback Chargeback has been received.
998 Unmapped Returns. Specified processor's response code is not recognized by the system. The respective request of a received code clarification needs to be addressed to the processor.
999 Transaction rejected by processor. Submitted transaction has been rejected by the processor.

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