Paysafe  (batch) Response Codes:

Code	Message	Description

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.