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
Last modified 3mo ago