| 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. |
