Testing on UAT

ACH Transactions

Amount (in USD)	Type	Return Code
222.22	DEBIT	R01 -- Insufficient Funds
222.23	CREDIT	R02 -- Account Closed
222.24	CREDIT-AND-DEBIT	R03 -- No Account/Unable to Locate Account
222.25	CREDIT-AND-DEBIT	R04 -- Invalid Account Number
222.26	CREDIT	R06 -- Returned Per ODFI's Request
222.27	DEBIT	R07 -- Authorization Revoked by Customer
222.28	DEBIT	R08 -- Payment Stopped
222.29	DEBIT	R09 -- Uncollected Funds
222.30	DEBIT	R10 -- Customer Advises Not Authorized
222.31	CREDIT-AND-DEBIT	R11 -- Check Safekeeping Entry Return
222.32	CREDIT-AND-DEBIT	R12 -- Branch Sold To Another DFI
222.33	CREDIT	R13 -- RDFI Not Qualified to Participate
222.34	CREDIT-AND-DEBIT	R14 -- Account Holder Deceased
222.35	CREDIT-AND-DEBIT	R16 -- Account Frozen
222.36	CREDIT-AND-DEBIT	R17 -- File Record Edit Criteria
222.37	CREDIT-AND-DEBIT	R20 -- Non-Transaction Account
222.38	CREDIT-AND-DEBIT	R21 -- Invalid Company Identification
222.39	CREDIT-AND-DEBIT	R22 -- Invalid Individual ID Number
222.40	CREDIT	R23 -- Credit Refused by Receiver
222.41	CREDIT-AND-DEBIT	R24 -- Duplicate Entry
222.42	DEBIT	R29 -- Corporate Customer Advises Not Authorized
222.43	CREDIT-AND-DEBIT	R31 -- Permissible Return Entry
222.44	CREDIT-AND-DEBIT	R33 -- Return of XCK Entry
222.45	CREDIT-AND-DEBIT	R34 -- Limited participation DFI

Interchange Transactions

Amount (in USD)	‌Type ‌	Response
222.55	CREDIT-AND-DEBIT	IR05 -- Suspicious activity; do not honor this card's transactions
222.56	CREDIT-AND-DEBIT	IR14 -- Card number does not exist
222.57	CREDIT-AND-DEBIT	IR15 -- Card issuer does not exist
222.58	CREDIT-AND-DEBIT	IR17 -- Customer cancelled/reversed payment
222.59	CREDIT-AND-DEBIT	IR18 -- The customer reversed the transaction: chargeback
222.60	CREDIT-AND-DEBIT	IR33 -- Expired card, pick-up
222.61	CREDIT-AND-DEBIT	IR36 -- Restricted card, pick-up
222.62	CREDIT-AND-DEBIT	IR38 -- PIN tried too many times; request a new card or try again later
222.63	CREDIT-AND-DEBIT	IR41 -- Lost card: request a new card
222.64	CREDIT-AND-DEBIT	IR43 -- Stolen card: request a new card
222.65	CREDIT-AND-DEBIT	IR54 -- Card Expired: request a new card
222.66	CREDIT-AND-DEBIT	IR56 -- No record of the validity of the card
222.67	CREDIT-AND-DEBIT	IR57 -- Transaction not permitted to cardholder
222.68	CREDIT-AND-DEBIT	IR58 -- Transaction denied by acceptor(Potential chargeback detected)
222.69	CREDIT-AND-DEBIT	IR59 -- Suspected Fraud
222.70	CREDIT-AND-DEBIT	IR63 -- Card information compromised(Potential chargeback detected)
222.71	CREDIT-AND-DEBIT	IR66 -- Merchant must contact the card acquirer
222.72	CREDIT-AND-DEBIT	IR67 -- Hard capture
222.73	CREDIT-AND-DEBIT	IR75 -- Allowable number of PIN tries exceeded
222.74	CREDIT-AND-DEBIT	IR79 -- Invalid digital signature
222.75	CREDIT-AND-DEBIT	IR86 -- Cannot verify PIN
222.76	CREDIT-AND-DEBIT	IR88 -- Card information not on file
222.77	CREDIT-AND-DEBIT	IR89 -- Security code verification failed
222.78	CREDIT-AND-DEBIT	IR93 -- Transaction is in violation of the law and will not be completed
222.79	CREDIT-AND-DEBIT	IR132 -- Country of the card issuer is blocked by this merchant
222.80	CREDIT-AND-DEBIT	IR140 -- Card product code is blocked
222.81	CREDIT-AND-DEBIT	IR144 -- CARD_ID is not valid
222.82	CREDIT-AND-DEBIT	IR150 -- Transaction declined by merchant to security code mismatch
222.83	CREDIT-AND-DEBIT	IR151 -- Transaction not allowed as per a validation rule
222.84	CREDIT-AND-DEBIT	IR156 -- Fraudulent transaction prior to embossed valid date
222.85	CREDIT-AND-DEBIT	IR158 -- Allowable PAN entries warning -- approved
222.86	CREDIT-AND-DEBIT	IR160 -- Security code is invalid
222.87	CREDIT-AND-DEBIT	IR174 -- Item suspected for stop pay
222.88	CREDIT-AND-DEBIT	IR174 -- Item suspected for stop pay
222.89	CREDIT-AND-DEBIT	IR175 -- Account associated with card was closed
222.90	CREDIT-AND-DEBIT	IR176 -- Account associated with card is ineligible for the transaction
222.91	CREDIT-AND-DEBIT	IR178 -- No account associated with card on file
222.92	CREDIT-AND-DEBIT	IR179 -- Unable to locate card
222.93	CREDIT-AND-DEBIT	IR189 -- Bad security code
222.94	CREDIT-AND-DEBIT	IR190 -- Transaction ordered to be stopped
222.95	CREDIT-AND-DEBIT	IR191 -- Transaction authorization revoked"
222.96	CREDIT-AND-DEBIT	IR193 -- Card lost: do not honor
222.97	CREDIT-AND-DEBIT	IR194 -- Account associated with the card is closed
222.98	DEBIT	IR201 -- Incorrect Expiration date
222.99	DEBIT	IR202 -- Card declined due to an unknown reason
223.00	DEBIT	IR203 -- Card card declined due to unsupported card type
223.01	DEBIT	IR204 -- Card declined due to an unknown reason
223.02	DEBIT	IR205 -- Card declined due to an unknown Reason
223.03	DEBIT	IR206 -- Card transaction request has an unknown status
224.01	DEBIT	IR999 -- Unauthorized Chargeback return

Wire Transactions

Amount (in USD)	Response
223.04	WR01 -- Return per customer request
223.05	WR02 -- Return per platform request
223.06	WR03 -- UTA - Account closed/frozen
223.07	WR04 -- UTA - Additional documents required
223.08	WR05 -- UTA - Country not allowed
223.09	WR06 -- UTA - Exceeds limits
223.10	WR07 -- UTA - Information mismatch
223.11	WR08 -- UTA - No Account/Unable to Locate Account

RPPS Transactions

Amount (in USD)	Response
223.53	R02 - Account Closed
223.54	R03 - Account Number Invalid / no longer valid
223.55	R04 - Wrong account number
223.56	R05 - Pre-notification Error
223.57	R06 - Originator Requested Return
223.58	R07 - Authorization Revoked
223.59	R08 - Payment stopped settlement
223.60	R09 - Uncollected Funds
223.61	R10 - Advised unauthorized
223.62	R12 - Branch Sold
223.63	R14 - payee deceased
223.64	R15 - Beneficiary deceased
223.65	R16 - account frozen
223.66	R17- File Edit -record criteria
223.67	R18 - Wrong Entry Date
223.68	R19 - Account Error
223.69	R20 - Non Transaction Account
223.70	R21 - Wrong BillerId
223.71	R22 - Account Number Mistake
223.72	R23 - Payment refused by Biller
223.73	R24 - Duplicate Entry
223.74	R25 - Fair share Amount
223.75	R29 - Advised Unauthorized
223.76	R31 - Permissible Return Entry
223.77	R42 - Routing Number Error / Check Digit Error
223.78	R43 - DFI account Number
223.79	R61 - Misrouted Return
223.80	R62 - Trace number Error
223.81	R63 - Dollar Amount Mismatch
223.82	R64 - Individual Identification
223.83	R65 - Invalid Transaction Code
223.84	R66 - Invalid Company Identification
223.85	R67 - Duplicate Return
223.86	R68 - Untimely Return
223.87	R69 - Multiple Errors
223.88	R70 - Permissible Return Entry not Accepted
223.89	R71 - Misrouted Dishonored return
223.90	R72 - Untimely Dishonored Timely
223.91	R73 - Timely Original Return
223.92	R74 - Corrected Return
223.93	R80 - Cross Border Payment coding Error
223.94	R81 - Non-Cross Border Participant
223.95	R82 - Foreigner Receiver ID
223.96	R83 - Unable to Settle
223.97	R84 - Not Processed
223.98	R85 - Fair Share Rebate

RDC Transactions

Amount (in USD)	Response
223.12	CHR01 -- NSF – customer does not have sufficient funds to cover the item
223.13	CHR02 -- UCF – uncollected funds hold
223.14	CHR03 -- Stop payment – a stop payment has been placed on the item
223.15	CHR05 -- Closed account – the item’s account has been closed
223.16	CHR06 -- UTLA – unable to locate account
223.17	CHR07 -- Frozen/blocked account – account has restrictions placed by customer or bank
223.18	CHR08 -- Stale dated – the date on the item is more than 6 months old
223.19	CHR09 -- Post dated – the date on the item is in the future ‘I’ Endorsement missing
223.20	CHR10 -- Endorsement irregular
223.21	CHR11 -- Signature(s) missing
223.22	CHR12 -- Signature(s) irregular, suspected forgery
223.23	CHR13 -- Non-cash item (non negotiable)
223.24	CHR14 -- Altered/fictitious item/Suspected counterfeit/Counterfeit
223.25	CHR15 -- Unable to process
223.26	CHR16 -- Items exceeds stated max value
223.27	CHR17 -- Not authorized RCC
223.28	CHR18 -- Branch/account sold (Wrong Bank)
223.29	CHR19 -- Refer to Maker
223.30	CHR20 -- Item cannot be re-presented (exceeds allowable number of presentments
223.31	CHR21 -- unusable image
223.32	CHR22 -- Cannot determine amount
223.33	CHR23 -- Refer to image – return reason is contained within the image of the item
223.34	CHR24 -- Duplicate presentment
223.35	CHR25 -- Forgery – an affidavit shall be available upon request
223.36	CHR26 -- Warranty breach (includes Rule 8 & 9 claims)
223.37	CHR27 -- RCC warranty breach
223.38	CHR28 -- Forged and counterfeit warranty breach (Rule 9)
223.39	CHR29 -- Retired/ineligible routing number
223.40	CHR30 -- Image Missing
223.41	CHR31 -- Ineligible Item
223.42	CHR32 -- Item cannot be re-presented (exceeds number of allowable times for presentment)
223.43	CHR33 -- Unusable Image
223.44	CHR34 -- Image fails security check
223.45	CHR35 -- Duplicate presentment
223.46	CHR36 -- Does not conform with ANS X9.100-181
223.47	CHR37 -- Does not conform to the Industry’s Universal Companion Document
223.48	CHR38 -- Warranty Breach (includes Rule 8 & Rule 9 claims)
223.49	CHR39 -- RCC Warranty Breach (Rule 8)
223.50	CHR40 -- Forged and Counterfeit Warranty Breach (Rule 9)
223.51	CHR41 -- Retired/Ineligible Routing Number