| 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. |
