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)

โ€ŒType โ€Œ

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 โ€“ customer does not have sufficient funds to cover the item

223.13

CHR02 -- UCF โ€“ uncollected funds hold

223.14

CHR03 -- Stop payment โ€“ a stop payment has been placed on the item

223.15

CHR05 -- Closed account โ€“ the itemโ€™s account has been closed

223.16

CHR06 -- UTLA โ€“ unable to locate account

223.17

CHR07 -- Frozen/blocked account โ€“ account has restrictions placed by customer or bank

223.18

CHR08 -- Stale dated โ€“ the date on the item is more than 6 months old

223.19

CHR09 -- Post dated โ€“ the date on the item is in the future โ€˜Iโ€™ 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 โ€“ return reason is contained within the image of the item

223.34

CHR24 -- Duplicate presentment

223.35

CHR25 -- Forgery โ€“ 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 Industryโ€™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

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