Transaction Codes

Transaction Codes for queues, cancellations or returns.

Transactions can be queued, cancelled or returned. Below is a comprehensive list of all possible reasons why that might happen.

Staying Up-To-Date with Transaction Status

We recommend setting up Subscriptions to receive these updates as they occur. Alternatively, you can also view transactions to check status periodically (Not Recommended).

Queued Transaction Example

Please pay attention to timeline & recent_status keys in the transaction response. The note field contains transaction codes.

{
  "amount": {
    "amount": 1000.1,
    "currency": "USD"
  },
  "timeline": [
    {
      "note": "Transaction Created.",
      "date": 1490830657477,
      "status_id": "1",
      "status": "CREATED"
    },
    {
      "note": "Q10-K Further investigation needed from Synapse.",
      "status_id": "-1",
      "date": 1490830664676,
      "status": "QUEUED-BY-SYNAPSE"
    }
  ],
  "fees": [
    {
      "note": "Synapse Facilitator Fee",
      "to": {
        "id": "55b3f8c686c2732b4c4e9df6"
      },
      "fee": 0.2
    }
  ],
  "client": {
    "name": "Test Sandbox KYC 2.0",
    "id": "589a9ff886c2736412ce7e9e"
  },
  "_id": "58dc45412ee69200208275d5",
  "extra": {
    "note": "Test transaction",
    "ip": "192.168.0.1",
    "created_on": 1490830657477,
    "process_on": 1490830657477,
    "supp_id": "1122444",
    "latlon": "0,0"
  },
  "to": {
    "user": {
      "legal_names": [
        "Test User"
      ],
      "_id": "589d56e17562960020caf936"
    },
    "nickname": "Fake Account",
    "type": "ACH-US",
    "id": "589dc0bdab6ce7001f7f89e8"
  },
  "recent_status": {
    "note": "Q10-K Further investigation needed from Synapse.",
    "status_id": "-1",
    "date": 1490830664676,
    "status": "QUEUED-BY-SYNAPSE"
  },
  "from": {
    "user": {
      "legal_names": [
        "Michael Scott"
      ],
      "_id": "58dc438499c8e5001fd63895"
    },
    "nickname": "Synapse Test Savings Account - 8902",
    "type": "ACH-US",
    "id": "58dc448cc54d7b0020113617"
  },
  "_v": 2
}

List of Possible Transaction Codes

Queue Codes

Code
Description

Q01

Test transactions not allowed on production

Q02

More information needed on sender: supply any Government-Issued Photo ID

Q02-A

More information needed on sender: supply Passport

Q02-B

More information needed on sender: supply Drivers License

Q02-C

More information needed on sender: Finish KBA (Knowledge Based Authentication)

Q03

More information needed on receiver: supply any Government-Issued Photo ID

Q03-A

More information needed on receiver: supply Passport

Q03-B

More information needed on receiver: supply Drivers License

Q03-C

More information needed on receiver: Finish KBA

Q04

More information needed on sender: supply utility bill

Q05

More information needed on receiver: supply utility bill

Q06

KYC (i.e. Know Your Customer) steps unfinished on sender

Q07

KYC unfinished on receiver

Q08

Sending node locked

Q09

Receiving node locked

Q10

High risk transaction (e.g. the account does not contain enough funds to process the full transaction amount)

Q10-A

Please collect ACH auth on Sender

Q10-B

Please collect ACH auth on Receiver

Q10-C

High risk for NSF

Q10-D

Information mismatch

Q10-E

Transaction outside the scope of gateway flow of funds

Q10-F

Gateway not allowed to transact in Sender's state

Q10-G

Gateway not allowed to transact in Receiver's state

Q10-H

Transaction queued due to compliance reasons. Please contact us to learn more.

Q10-I

Possible duplicate transaction. If we are mistaken, please let us know.

Q10-J

Transaction queued until other Sender's transactions settle.

Q10-K

Further investigation needed from Synapse

Q46

Sender not authorized to make transactions

Q47

Receiver not authorized to make transactions

Q48

Sender on screenings list

Q49

Receiver on screenings list

Q50

Unable to process the transaction (reason undisclosed)

Cancellation Codes

Code
Description

C01

Test transactions not allowed on production

C02

Unable to verify Sender identity

C03

Unable to verify Receiver identity

C06

KYC unfinished on Sender

C07

KYC unfinished on Receiver

C08

Sending node locked

C09

Receiving node locked

C10

High risk transaction

C10-A

Please collect ACH auth on Sender & then resubmit payment

C10-B

Please collect ACH auth on Receiver & then resubmit payment

C10-C

High risk for NSF

C10-D

Information mismatch

C10-E

Transaction outside the scope of gateway flow of funds

C10-F

Gateway not allowed to transact in Sender's state

C10-G

Gateway not allowed to transact in Receiver's state

C10-H

Transaction canceled due to compliance reasons. Please contact us to learn more.

C10-I

Possible duplicate transaction. If we are mistaken, please let us know.

C11

Unable to settle transaction because from_node has 0 monthly withdrawals remaining. (For Interest Bearing Accounts).

C46

Sender not authorized to make transactions

C47

Receiver not authorized to make transactions

C48

Sender on screenings list

C49

Receiver on screenings list

C50

Unable to process the transaction (reason undisclosed)

Interchange Return Codes

Code
Description

IR00

Success

IR01

More information is needed from the card issuer

IR02

Refer to card issuer's unique transaction rules

IR03

Not recognized as a valid merchant

IR04

Card not activated for transaction use

IR05

Suspicious activity; do not honor this card's transactions

IR06

Error during transaction process

IR07

Card has unique conditions; currently not activated for transaction use

IR08

Needs more identification to process the transaction

IR09

Transaction requested; currently in progress

IR10

Transaction amount partially approved

IR11

Approved but not processed

IR12

Transaction invalid

IR13

Transaction amount invalid

IR14

Card number does not exist

IR15

Card issuer does not exist

IR16

Approved

IR17

Customer cancelled/reversed payment

IR18

The customer reversed the transaction: chargeback

IR19

Please retry the transaction

IR20

Response from the card processor was invalid

IR21

Transaction formatted incorrectly (Potential reversal detected)

IR22

Suspected malfunction, reversal

IR23

Transaction fee was unacceptable

IR24

File update not supported by receiver

IR25

Unable to locate record on file

IR26

Duplicate file update record, no action taken

IR27

File update field edit error

IR28

Field update record locked out

IR29

File update not successful, contact the acquirer

IR30

Transaction formatted incorrectly(Potential reversal detected)

IR31

Transaction must be initiated in person, bank not sup[ported by switch"

IR32

Completed partially, reversal

IR33

Expired card, pick-up

IR34

Suspected fraud, pick-up

IR35

Card acceptor must contact acquirer, pick-up

IR36

Restricted card, pick-up

IR37

Merchant must contact the card security

IR38

PIN tried too many times; request a new card or try again later

IR39

No credit account tied to credit card

IR40

Function requested can not be carried out

IR41

Lost card: request a new card

IR42

Account tied to card is not universal

IR43

Stolen card: request a new card

IR44

Investment account not on required

IR45 - IR50

Reserved for ISO use

IR51

Card does not have sufficient funds for the transaction (NSF Card)

IR52

Checking account not associated with the card

IR53

Savings account not associated with the card

IR54

Card Expired: request a new card

IR55

Pin tried is incorrect

IR56

No record of the validity of the card

IR57

Transaction not permitted to cardholder

IR58

Transaction denied by acceptor (Potential chargeback detected)

IR59

Fraud suspected

IR60

Merchant must contact the card acquirer

IR61

Transaction exceeds card limits

IR62

Card restricted

IR63

Card information compromised(Potential chargeback detected)

IR64

Original amount incorrect, reversal

IR65

Current transactions exceeds withdrawal frequency limit

IR66

Merchant must contact the card acquirer

IR67

Hard capture

IR68

Response received too late, reversal

IR69 - IR74

Reserved for ISO use

IR75

Allowable number of PIN tries exceeded

IR76

Key synchronization error

IR77

Reserved for private use

IR78

Customer not eligible for POS

IR79

Invalid digital signature

IR80

Stale date transaction

IR81

Issuer requested standin

IR82

Count exceeds limit

IR83

Reserved for private use

IR84

Time limit for pre-authorization reached

IR85

Issuer has no reason to decline the transaction (Account Verification)

IR86

Cannot verify PIN

IR87

Check already posted

IR88

Card information not on file

IR89

Security code verification failed

IR90

Card cutoff is in progress

IR91

Card change in progress or not taking effect

IR92

Intermediate network/financial institution is unknown

IR93

Transaction is in violation of the law and will not be completed

IR94

Duplicate transaction

IR95

Error with transaction reconciliation

IR96

System error during transaction

IR97 - I98

Reserved for national use

IR99

Card network error during transaction

IR100 - IR126

Reserved for ISO use

IR127

SEC is invalid

IR128

Address and verification check data is required for this transaction

IR129

Security code date is required for the transaction

IR130 - IR131

Transaction not permitted to cardholder

IR132

Country of the card issuer is blocked by this merchant

IR133

Incorrect MAC was sent

IR134

Standard Entry Class requirements were not met

IR135

System error during transaction

IR136

Account length error

IR137

Card information error

IR138

Security code format error

IR139

Internal authorization error

IR140

Card product code is blocked

IR141

Attempt to process a BRIC transaction on a prior PIN based transaction

IR142

CyberSource Time Out Connection to CyberSource timed out

IR143

CARD_ENT_METH supplied is not valid or required additional data not provided as defined

IR144

CARD_ID is not valid

IR145

Required PIN block not present

IR146

Card Bin is not valid for pinless routing

IR147

Signature store did not complete

IR148

Debit PIN transactions must be swiped

IR149

DB proxy response was not processed within the time out period

IR150

Transaction declined by merchant to security code mismatch

IR151

Transaction not allowed as per a validation rule

IR152

Processing gateway full: poll again later

IR153

Authorization life cycle unacceptable

IR154

Authorization life cycled expired

IR155

Card authentication failed

IR156

Fraudulent transaction prior to embossed valid date

IR157

Credit not received

IR158

Allowable PAN entries warning -- approved

IR159

Transaction approved with card overdraft protection

IR160

Security code is invalid

IR161

Internal transaction processing error

IR162

Check not acceptable for cash

IR163

Check not acceptable

IR164

Check deposit limit exceeded

IR165

Cash back limit exceeded

IR166

Check amount does not match courtesy amount

IR167

PIN not selected for card

IR168

PIN already selected for card

IR169

Unmatched voucher information

IR170

Card number entered too many times

IR171

Expiration date not valid for card

IR172

Card status is set to inactive

IR173

Expiration date mismatch: request a new card

IR174

Item suspected for stop pay

IR175

Account associated with card was closed

IR176

Account associated with card is ineligible for the transaction

IR177

Duplicate transaction

IR178

No account associated with card on file

IR179

Unable to locate card

IR180

Transaction denied

IR181

Transaction settled via ACH

IR182

Cross-reference card not found

IR183

Category limit exceeded

IR184

Transaction limit exceeded

IR185

Daily limit exceeded

IR186

Monthly limit exceeded

IR187

Invalid secret code

IR188

Pin key sync error

IR189

Bad security code

IR190

Transaction ordered to be stopped

IR191

Transaction authorization revoked

IR192

Stop reoccurring payments

IR193

Card lost: do not honor

IR194

Account associated with the card is closed

IR195

Account associated with the card is inactive

IR196

Card has unique conditions: do not honor

IR197

Purchase only approval for purchase with cash back transaction

IR198

Card does not have sufficient funds for the transaction fees (NSF Card)

IR199

Card chip failed during transaction

IR200

PIN compromised

IR201

MasterCard MoneySend Error: Incorrect Expiration date

IR202

MasterCard MoneySend Error: Card declined due to an unknown reason

IR203

MasterCard MoneySend Error: Card declined due to unsupported card type

IR204

MasterCard MoneySend Error: Card declined due to an unknown reason

IR205

MasterCard MoneySend Error: Card declined due to an unknown Reason

IR206

MasterCard MoneySend Error: Card transaction request has an unknown status

Sandbox Test Values

While testing, RequestBin is an excellent tool to help you test out web-hooks for these scenarios.

ACH Transactions

Amount
Type
Response

22222

DEBIT

R01 -- Insufficient Funds

22223

CREDIT

R02 -- Account Closed

22224

CREDIT-AND-DEBIT

R03 -- No Account/Unable to Locate Account

22225

CREDIT-AND-DEBIT

R04 -- Invalid Account Number

22226

CREDIT

R06 -- Returned Per ODFI's Request

22227

DEBIT

R07 -- Authorization Revoked by Customer

22228

DEBIT

R08 -- Payment Stopped

22229

DEBIT

R09 -- Uncollected Funds

22230

DEBIT

R10 -- Customer Advises Not Authorized

22231

CREDIT-AND-DEBIT

R11 -- Check Safekeeping Entry Return

22232

CREDIT-AND-DEBIT

R12 -- Branch Sold To Another DFI

22233

CREDIT

R13 -- RDFI Not Qualified to Participate

22234

CREDIT-AND-DEBIT

R14 -- Account Holder Deceased

22235

CREDIT-AND-DEBIT

R16 -- Account Frozen

22236

CREDIT-AND-DEBIT

R17 -- File Record Edit Criteria

22237

CREDIT-AND-DEBIT

R20 -- Non-Transaction Account

22238

CREDIT-AND-DEBIT

R21 -- Invalid Company Identification

22239

CREDIT-AND-DEBIT

R22 -- Invalid Individual ID Number

22240

CREDIT

R23 -- Credit Refused by Receiver

22241

CREDIT-AND-DEBIT

R24 -- Duplicate Entry

22242

DEBIT

R29 -- Corporate Customer Advises Not Authorized

22243

CREDIT-AND-DEBIT

R31 -- Permissible Return Entry

22244

CREDIT-AND-DEBIT

R33 -- Return of XCK Entry

22245

CREDIT-AND-DEBIT

R34 -- Limited participation DFI

Card Transactions

Amount
Type
Response

22246

DEBIT

CR01 -- Transaction not approved; Possible NSF

22247

CREDIT-AND-DEBIT

CR02 -- International transaction detected; This card does not have international transaction permissions

22248

DEBIT

CR03 -- Transaction exceeds ATM or POS withdrawal limits

2249

DEBIT

CR04 -- Invalid PIN attempted; Please try again or reset the pin

22250

CREDIT-AND-DEBIT

CR05 -- Card status is in a state which does not allow for any transactions

22251

CREDIT-AND-DEBIT

CR06 -- Invalid expiration date

22252

CREDIT-AND-DEBIT

CR07 -- Transaction validation failed

22253

CREDIT-AND-DEBIT

CR08 -- There is an issue with the card; please check the card

22254

CREDIT-AND-DEBIT

CR09 -- There is an issue associated with the card deposit account of the card

Check Transactions

Amount
Type
Response

22312

CREDIT

CHR01 -- NSF – customer does not have sufficient funds to cover the item

22313

CREDIT

CHR02 -- UCF – uncollected funds hold

22314

CREDIT

CHR03 -- Stop payment – a stop payment has been placed on the item

22315

CREDIT

CHR05 -- Closed account – the item’s account has been closed

22316

CREDIT

CHR06 -- UTLA – unable to locate account

22317

CREDIT

CHR07 -- Frozen/blocked account – account has restrictions placed by customer or bank

22318

CREDIT

CHR08 -- Stale dated – the date on the item is more than 6 months old

22319

CREDIT

CHR09 -- Post dated – the date on the item is in the future ‘I’ Endorsement missing

22320

CREDIT

CHR10 -- Endorsement irregular

22321

CREDIT

CHR11 -- Signature(s) missing

22322

CREDIT

CHR12 -- Signature(s) irregular, suspected forgery

22323

CREDIT

CHR13 -- Non-cash item (non negotiable)

22324

CREDIT

CHR14 -- Altered/fictitious item/Suspected counterfeit/Counterfeit

22325

CREDIT

CHR15 -- Unable to process

22326

CREDIT

CHR16 -- Items exceeds stated max value

22327

CREDIT

CHR17 -- Not authorized RCC

22328

CREDIT

CHR18 -- Branch/account sold (Wrong Bank)

22329

CREDIT

CHR19 -- Refer to Maker

22330

CREDIT

CHR20 -- Item cannot be re-presented (exceeds allowable number of presentments

22331

CREDIT

CHR21 -- unusable image

22332

CREDIT

CHR22 -- Cannot determine amount

22333

CREDIT

CHR23 -- Refer to image – return reason is contained within the image of the item

22334

CREDIT

CHR24 -- Duplicate presentment

22335

CREDIT

CHR25 -- Forgery – an affidavit shall be available upon request

22336

CREDIT

CHR26 -- Warranty breach (includes Rule 8 & 9 claims)

22337

CREDIT

CHR27 -- RCC warranty breach

22338

CREDIT

CHR28 -- Forged and counterfeit warranty breach (Rule 9)

22339

CREDIT

CHR29 -- Retired/ineligible routing number

22340

CREDIT

CHR30 -- [ADMIN] Image Missing

22341

CREDIT

CHR31 -- [ADMIN] Ineligible Item

22342

CREDIT

CHR32 -- [ADMIN] Item cannot be re-presented (exceeds number of allowable times for presentment)

22343

CREDIT

CHR33 -- [ADMIN] unusable image

22344

CREDIT

CHR34 -- [ADMIN] Image fails security check

22345

CREDIT

CHR35 -- [ADMIN] Duplicate presentment

22346

CREDIT

CHR36 -- [ADMIN] Does not conform with ANS X9.100-181

22347

CREDIT

CHR37 -- [ADMIN] Does not conform to the Industry’s Universal Companion Document

22348

CREDIT

CHR38 -- [ADMIN] Warranty Breach (includes Rule 8 & Rule 9 claims)

22349

CREDIT

CHR39 -- [ADMIN] RCC Warranty Breach (Rule 8)

22350

CREDIT

CHR40 -- [ADMIN] Forged and Counterfeit Warranty Breach (Rule 9)

22351

CREDIT

CHR41 -- [ADMIN] Retired/Ineligible Routing Number

Interchange Transactions

Amount
Type
Response

22255

CREDIT-AND-DEBIT

IR05 -- Suspicious activity; do not honor this card's transactions

22256

CREDIT-AND-DEBIT

IR14 -- Card number does not exist

22257

CREDIT-AND-DEBIT

IR15 -- Card issuer does not exist

22258

CREDIT-AND-DEBIT

IR17 -- Customer cancelled/reversed payment

22259

CREDIT-AND-DEBIT

IR18 -- The customer reversed the transaction: chargeback

22260

CREDIT-AND-DEBIT

IR33 -- Expired card, pick-up

22261

CREDIT-AND-DEBIT

IR36 -- Restricted card, pick-up

22262

CREDIT-AND-DEBIT

IR38 -- PIN tried too many times; request a new card or try again later

22263

CREDIT-AND-DEBIT

IR41 -- Lost card: request a new card

22264

CREDIT-AND-DEBIT

IR43 -- Stolen card: request a new card

22265

CREDIT-AND-DEBIT

IR54 -- Card Expired: request a new card

22266

CREDIT-AND-DEBIT

IR56 -- No record of the validity of the card

22267

CREDIT-AND-DEBIT

IR57 -- Transaction not permitted to cardholder

22268

CREDIT-AND-DEBIT

IR58 -- Transaction denied by acceptor(Potential chargeback detected)

22269

CREDIT-AND-DEBIT

IR59 -- Suspected Fraud

22270

CREDIT-AND-DEBIT

IR63 -- Card information compromised(Potential chargeback detected)

22271

CREDIT-AND-DEBIT

IR66 -- Merchant must contact the card acquirer

22272

CREDIT-AND-DEBIT

IR67 -- Hard capture

22273

CREDIT-AND-DEBIT

IR75 -- Allowable number of PIN tries exceeded

22274

CREDIT-AND-DEBIT

IR79 -- Invalid digital signature

22275

CREDIT-AND-DEBIT

IR86 -- Cannot verify PIN

22276

CREDIT-AND-DEBIT

IR88 -- Card information not on file

22277

CREDIT-AND-DEBIT

IR89 -- Security code verification failed

22278

CREDIT-AND-DEBIT

IR93 -- Transaction is in violation of the law and will not be completed

22279

CREDIT-AND-DEBIT

IR132 -- Country of the card issuer is blocked by this merchant

22280

CREDIT-AND-DEBIT

IR140 -- Card product code is blocked

22281

CREDIT-AND-DEBIT

IR144 -- CARD_ID is not valid

22282

CREDIT-AND-DEBIT

IR150 -- Transaction declined by merchant to security code mismatch

22283

CREDIT-AND-DEBIT

IR151 -- Transaction not allowed as per a validation rule

22284

CREDIT-AND-DEBIT

IR156 -- Fraudulent transaction prior to embossed valid date

22285

CREDIT-AND-DEBIT

IR158 -- Allowable PAN entries warning -- approved

22286

CREDIT-AND-DEBIT

IR160 -- Security code is invalid

22287

CREDIT-AND-DEBIT

IR174 -- Item suspected for stop pay

22288

CREDIT-AND-DEBIT

IR174 -- Item suspected for stop pay

22289

CREDIT-AND-DEBIT

IR175 -- Account associated with card was closed

22290

CREDIT-AND-DEBIT

IR176 -- Account associated with card is ineligible for the transaction

22291

CREDIT-AND-DEBIT

IR178 -- No account associated with card on file

22292

CREDIT-AND-DEBIT

IR179 -- Unable to locate card

22293

CREDIT-AND-DEBIT

IR189 -- Bad security code

22294

CREDIT-AND-DEBIT

IR190 -- Transaction ordered to be stopped

22295

CREDIT-AND-DEBIT

IR191 -- Transaction authorization revoked"

22296

CREDIT-AND-DEBIT

IR193 -- Card lost: do not honor

22297

CREDIT-AND-DEBIT

IR194 -- Account associated with the card is closed

22298

DEBIT

IR201 -- Incorrect Expiration date

22299

DEBIT

IR202 -- Card declined due to an unknown reason

22300

DEBIT

IR203 -- Card card declined due to unsupported card type

22301

DEBIT

IR204 -- Card declined due to an unknown reason

22302

DEBIT

IR205 -- Card declined due to an unknown Reason

22303

DEBIT

IR206 -- Card transaction request has an unknown status

Wire Transactions

Amount
Type
Description

22304

DEBIT

WR01 -- Return per customer request

22305

DEBIT

WR02 -- Return per platform request

22306

CREDIT

WR03 -- UTA - Account closed/frozen

22307

CREDIT-AND-DEBIT

WR04 -- UTA - Additional documents required

22308

CREDIT-AND-DEBIT

WR05 -- UTA - Country not allowed

22309

CREDIT-AND-DEBIT

WR06 -- UTA - Exceeds limits

22310

CREDIT-AND-DEBIT

WR07 -- UTA - Information mismatch

22311

CREDIT-AND-DEBIT

WR08 -- UTA - No Account/Unable to Locate Account

Transaction Codes


Transaction Codes for queues, cancellations or returns.

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