Return Codes
- Default API Event Codes
- PayTo API Event Codes
- PayTo Mandate Event Codes
- PayTo MPIR Event Codes
- PayTo Mandate Action Decline Codes
- PayTo Mandate Status Change Codes
- NPP Payment Return Codes
- PayTo MPIR Bulk Status Reason Codes
Default API Event Codes
| Event Code | Name | HTTP Response |
Description |
|---|---|---|---|
| EC000_001 | Internal Server Error | 500 | Internal Server Error, please contact support. |
| EC000_002 | Unauthorized | 401 | The request is not authorized |
| EC000_003 | Validation Failure | 400 | The request failed validation |
| EC000_004 | Resource Not Found | 404 | The requested resource is not found |
| EC000_005 | Method Not Allowed | 405 | The requested HTTP method is not allowed |
| EC000_006 | Unsupported Media Type | 405 | Content-Type provided is not supported |
| EC000_007 | Invalid Content | 400 | Invalid secured payload |
PayTo API Event Codes
Validation failures relating to PayTo API requests. These are synchronous response error codes.
The error reason codes are returned in the PayTo API.
Error reason codes can be generated by both ANZ and Mandate Management Service (MMS)
| http code | code | severity | text | Description | Source of Error |
|---|---|---|---|---|---|
| 400 | EC004_401 | Fatal | Schema validation failed against the encrypted PayTo Request schema, error details [{errorDetail}] | Invalid request schema or missing/invalid header, for encrypted request | ANZ |
| 400 | EC004_402 | Fatal | Duplicate PayTo Request received (supplied X-Message-Id value: [X-Message-Id] | X-Message-Id is not unique | ANZ |
| 400 | EC004_405 | Fatal | MPS User Id is invalid | Invalid MPS User Id | ANZ |
| 400 | EC004_414 | Fatal | Schema validation failed against the PayTo Request schema, error details [{errorDetail}] | Invalid request schema or missing/invalid header, for decrypted request | ANZ |
| 400 | EC004_415 | Fatal | Get Mandate Details Request Failed. [{errorDetail}] | Get Mandate Details request has failed due to a technical reason | ANZ |
| 403 | EC004_415 | Fatal | Get Mandate Details Request Failed. Request No permission on record. MPS User is unauthorised for this mandate. | Get Mandate Details request has failed due no permission to the specified Mandate id | ANZ |
| 408 | EC004_415 | Fatal | Get Mandate Details Request Failed. Either the dependency service is not accessible or Not able to fetch the Mandate Action Details in the configured timeout value | Get Mandate Details request has failed due a dependent service timeout | ANZ |
| 500 | EC004_415 | Fatal | Get Mandate Details Request Failed. Exception occurred while fetching the Mandate detail from MMS using Swift SDK | Get Mandate Details request has failed due a technical reason | ANZ |
| 400 | MMS.API.9000 | Fatal | Local authentication failed | Local authentication failed. | MMS |
| 400 | MMS.API.9001 | Fatal | Unknown Message Partner. | Unknown Message Partner. | MMS |
| 400 | MMS.API.9002 | Fatal | The Account Servicer or its Sponsor cannot submit the request because of business suspension. | The Account Servicer or its Sponsor cannot submit the request because of business suspension. | MMS |
| 403 | MMS.API.9003 | Fatal | Invalid requestor. This can occur for a number of reasons, e.g. use of an invalid token, certificate expiration or no access authorisation to the MMS. | Invalid requestor. This can occur for a number of reasons, e.g. use of an invalid token, certificate expiration or no access authorisation to the MMS. | MMS |
| 500 | MMS.API.9005 | Transient | Message cannot be delivered. | The JSON request message within the API request could not be delivered to the MMS. The MMS is unavailable or the end-to-end communication between the PAG and the MMS is unavailable, not allowing the message to reach its final destination. | MMS |
| 408 | MMS.API.9006 | Transient | Timeout | The MMS or the PAG timeout delay has expired. The MMS or the PAG could not complete the processing of the request within the expected time. | MMS |
| 429 | MMS.API.9007 | Transient | Too many transactions. | This is related to the limitation on the number of transactions served in parallel by the MMS | MMS |
| 400 | MMS.API.9010 | Fatal | Invalid MMS signature | The PKI signature applied by the MMS to the response could not be verified and is considered invalid | MMS |
| 404 | MMS.API.9011 | Fatal | The referenced record cannot be found. The record either does not exist or it has expired. | No results matching the API request parameters are found | MMS |
| 403 | MMS.API.9013 | Fatal | No permission on the referenced record. | Error when the requesting MMS Servicer does not have permission to update or enquire on the Mandate record | MMS |
| 403 | MMS.API.9015 | Fatal | Unauthorised sponsor. | The Mandate sponsor of the Account Servicer issuing the API request has no defined agency arrangement with the MMS Servicer specified in the API request | MMS |
| 403 | MMS.API.9016 | Fatal | Sponsor is unauthorised for servicer | The sponsor of the Account Servicer issuing the API request has no defined agency arrangement with the MMS Servicer specified in the API request | MMS |
| 403 | MMS.API.9017 | Fatal | Servicer is unauthorised | The Account Servicer issuing the API request has no defined agency arrangement with the MMS Servicer specified in the API request | MMS |
| 400 | MMS.API.9019 | Fatal | Invalid request. | This represents a catch-all error condition that reflects validation failures that are not covered by specific error codes. | MMS |
| 500 | MMS.API.9900 | Transient/Fatal | MMS internal service error. | The API request or the API response could not be processed internally in the MMS | MMS |
| 500 | MMS.API.9901 | Fatal | PAG processing problem. | The API request or the API response could not be processed by the PAG | MMS |
PayTo Mandate Event Codes
Validation failures relating to Mandate Action requests.
The error reason codes are returned in the PayTo API Webhook Mandate Processing Outcomes.
Error reason codes can be generated by both ANZ and Mandate Management Service (MMS).
| status | code | severity | text | user_message | more_info | Description | Source of Error |
|---|---|---|---|---|---|---|---|
| RJCT | EC004_406 | FATL | Mandate processing failed | InvalidDebtorAccountNumber | AC02 | Debtor account number invalid or missing Create Mandate: Provided Debtor Alias cannot be resolved |
ANZ |
| RJCT | EC004_406 | FATL | Mandate processing failed | InvalidCreditorAccountNumber | AC03 | Creditor account number invalid or missing Create/Amend Mandate: ANZ Credit Account is not found |
ANZ |
| RJCT | EC004_406 | FATL | Mandate processing failed | ClosedCreditorAccountNumber | AC07 | Creditor account number closed Create/Amend Mandate: ANZ Credit Account is closed |
ANZ |
| RJCT | EC004_406 | FATL | Mandate processing failed | InvalidDebtorAccountType | AC13 | Debtor account type missing or invalid Create Mandate: 1. debtor_information/account_identification_type_code must be ALIA or BBAN 2. For Migrated DDR debtor_information/account_identification_type_code must be BBAN 3. For Migrated DDR debtor_information/account_alias_type_code must not be present 4. For Migrated DDR debtor_information/account_alias_identification must not be present |
ANZ |
| RJCT | EC004_406 | FATL | Mandate processing failed | InvalidCreditorAccountType | AC14 | Creditor account type missing or invalid Create/Amend Mandate: 1. creditor_information/account_identification_type_code must be BBAN 2. ANZ Credit Account is not eligible for NPP 3. For Migrated DDR creditor_information/account_identification_type_code must be BBAN |
ANZ |
| RJCT | EC004_406 | FATL | Mandate processing failed | Action Failed, Contact the ANZ Customer Service Centre | AF01 | Change Status: ANZ is unable to process Change Mandate Status request | ANZ |
| RJCT | EC004_406 | FATL | Mandate processing failed | InvalidAccessRights | AG08 | Request failed due to invalid or missing user or access right MPS User is not authorised to Mandate |
ANZ |
| RJCT | EC004_406 | FATL | Mandate processing failed | IncorrectAgent | AGNT | Agent in the payment workflow is incorrect Create Mandate: Debtor BSB not found in BRTD |
ANZ |
| RJCT | EC004_406 | FATL | Mandate processing failed | Specific transaction/message amount is greater than allowed maximum | AM02 | At least one of the amounts provided exceeds MPS User Id limit; Create/Amend Mandate: - payment_information/maximum_amount - payment_information/amount - payment_information/first_payment_amount - payment_information/last_payment_amount |
ANZ |
| RJCT | EC004_406 | FATL | Mandate processing failed | InvalidAmount | AM12 | Amount is invalid or missing Create/Amend Mandate: 1. if payment_information/payment_amount_type = FIXE then payment_information/amount should be present 2. if payment_information/payment_amount_type = BALN then payment_information/amount should be present AND (one of the following fields should be present) payment_information/first_payment_amount or payment_information/last_payment_amount 3. if payment_information/payment_amount_type = USGB or VARI then payment_information/maximum_amount should be present 4. For Migrated DDR payment_information/first_payment_amount must not be present Amend Mandate: 1. if payment_information/amount/currency = ZZZ then payment_information/amount/amount should not be provided 2. if payment_information/maximum_amount/currency = ZZZ then payment_information/maximum_amount/amount must not be present 3. if payment_information/first_payment_amount/currency = ZZZ then payment_information/first_payment_amount/amount must not be present 4. if payment_information/last_payment_amount/currency = ZZZ then payment_information/last_payment_amount/amount must not be present |
ANZ |
| RJCT | EC004_406 | FATL | Mandate processing failed | InvalidFrequencyTerm | CP01 | Invalid frequency term Create/Amend Mandate: Only count_per_period or point_in_time should be provided not both unless one attribute is being cleared as part of Amend Mandate |
ANZ |
| RJCT | EC004_406 | FATL | Mandate processing failed | Creditor account must be provided | CR01 | Creditor account must be present in request | ANZ |
| RJCT | EC004_406 | FATL | Mandate processing failed | Creditor Account Not Registered | CR02 | Creditor account must be registered with ANZ | ANZ |
| RJCT | EC004_406 | FATL | Mandate processing failed | InvalidDate | DT01 | Invalid date (eg, wrong or missing settlement date) Create/Amend Mandate: 1. payment_information/first_payment_date before validity_start_date OR payment_information/first_payment_date after Mandate validity_end_date 2. payment_information/last_payment_date before validity_start_date OR payment_information/last_payment_date after Mandate validity_end_date 3. If automatic_extension_indicator = false, then validity_end_date must be present OR If automatic_extension_indicator = true, then validity_end_date must not be present unless being cleared as part of Amend Mandate 4. For Migrated DDR resolution_requested_by must not be present 5. For Migrated DDR first_payment_date must not be present |
ANZ |
| RJCT | EC004_406 | FATL | Mandate processing failed | Establishment Scheme Not Supported for biller | ES01 | MPS User Id not eligible to Create Migrated DDR | ANZ |
| RJCT | EC004_406 | FATL | Mandate processing failed | Syntax error reason is provided as narrative | FF02 | Syntax error Amend Mandate - Migrated DDR: 1. additional_information cannot be updated or cleared |
ANZ |
| RJCT | EC004_406 | FATL | Mandate processing failed | BECS user ID invalid | INBC | BECS User Id not eligible to Create/Amend Migrated DDR | ANZ |
| RJCT | EC004_406 | FATL | Mandate processing failed | Invalid Division ID | INDV | Division Id is invalid or is not eligible to perform Mandate Action | ANZ |
| RJCT | EC004_406 | FATL | Mandate processing failed | Invalid Request - Mandate related information data required by the scheme is missing. | MD02 | Missing mandatory information in Mandate Create Mandate - Migrated DDR: 1. additional_information must contain valid BECS User Id, in the correct format 2. Debtor account_identification must be present 3. Creditor account_identification must be present 4. Creditor account_alias_type_code must not be present 5. Creditor account_alias_identification must not be present 5. Creditor party_name must be present 6. Creditor ultimate_party_name must be present |
ANZ |
| RJCT | EC004_406 | FATL | Mandate processing failed | InvalidMandateType | MT01 | Mandate type not supported Create Mandate: mandate_type must be DDTP |
ANZ |
| RJCT | EC004_406 | FATL | Mandate processing failed | Mandate Purpose Code Not Allowed | PCNA | Mandate purpose code is not eligible for Create Mandate | ANZ |
| RJCT | EC004_406 | FATL | Mandate processing failed | InvalidBICIdentifier | RC05 | BIC identifier is invalid or missing. Create/Amend Mandate: Creditor/Debtor BIC not an MPS participant, as per BRDT |
ANZ |
| RJCT | EC004_406 | FATL | Mandate processing failed | MPS User not active | US01 | MPS User Id is not active | ANZ |
| RJCT | EC004_406 | FATL | Mandate processing failed | MPS User ID invalid | US02 | MPS User Id is invalid | ANZ |
| RJCT | EC004_403 | FATL | Failed to decrypt and verify the message | n/a | n/a | ANZ is unable to decrypt Mandate Request | ANZ |
| RJCT | EC004_404 | FATL | Schema validation failed against the unencrypted PayTo Request schema, error details [{errorDetail}] | n/a | n/a | Mandate Request invalid schema | ANZ |
| RJCT | EC004_405 | FATL | MPS User Id value: [mpsUserId] is invalid | n/a | n/a | MPS User Id is invalid | ANZ |
| RJCT | EC004_406 | FATL/TRAN/LOGI | Mandate processing failed | [{errorDetail}] | [{errorCode}] | Generic error for any technical issues processing a Mandate Request | ANZ |
| RJCT | EC004_406 | FATL | Mandate processing failed | LocalAuthenticationFailed | MMS.API.9000 | Local authentication failed. | MMS |
| RJCT | EC004_406 | FATL | Mandate processing failed | MessagePartnerError | MMS.API.9001 | Unknown Message Partner. | MMS |
| RJCT | EC004_406 | FATL | Mandate processing failed | AuthBIC8Error | MMS.API.9002 | The Account Servicer or its Sponsor cannot submit the request because of business suspension. | MMS |
| RJCT | EC004_406 | FATL | Mandate processing failed | InvalidRequestor | MMS.API.9003 | Invalid requestor. This can occur for a number of reasons, e.g. use of an invalid token, certificate expiration or no access authorisation to the MMS. | MMS |
| RJCT | EC004_406 | TRAN | Mandate processing failed | MessageUndeliverable | MMS.API.9005 | Message cannot be delivered. | MMS |
| RJCT | EC004_406 | TRAN | Mandate processing failed | Timeout | MMS.API.9006 | Timeout | MMS |
| RJCT | EC004_406 | TRAN | Mandate processing failed | TooManyTransactions | MMS.API.9007 | Too many transactions. | MMS |
| RJCT | EC004_406 | FATL | Mandate processing failed | InvalidPAGSignature | MMS.API.9008 | Invalid PAG signature. | MMS |
| RJCT | EC004_406 | FATL | Mandate processing failed | RequestSizeError | MMS.API.9009 | Maximum request size exceeded. | MMS |
| RJCT | EC004_406 | FATL | Mandate processing failed | NoRecord | MMS.API.9011 | The referenced record cannot be found. The record either does not exist or it has expired. | MMS |
| RJCT | EC004_406 | FATL | Mandate processing failed | NoRecordPermission | MMS.API.9013 | No permission on the referenced record. | MMS |
| RJCT | EC004_406 | FATL | Mandate processing failed | UnauthorisedSponsor | MMS.API.9015 | Unauthorised sponsor. | MMS |
| RJCT | EC004_406 | FATL | Mandate processing failed | UnauthorisedSponsorForServicer | MMS.API.9016 | Unauthorised sponsor for the servicer. | MMS |
| RJCT | EC004_406 | FATL | Mandate processing failed | UnauthorisedServicer | MMS.API.9017 | Unauthorised servicer. | MMS |
| RJCT | EC004_406 | FATL | Mandate processing failed | InconsistentDuplicateRequest | MMS.API.9018 | A duplicate request has been made whereby the request ID is the same as a previous request but the content of the request is different. | MMS |
| RJCT | EC004_406 | FATL | Mandate processing failed | InvalidRequest | MMS.API.9019 | Invalid request. | MMS |
| RJCT | EC004_406 | FATL | Mandate processing failed | MandateActionForbidden | MMS.API.9101 | The requested mandate action is forbidden. | MMS |
| RJCT | EC004_406 | FATL | Mandate processing failed | MandateSemanticRuleViolated | MMS.API.9102 | Mandate semantic rule violated. Additional information on the violation will be provided in the response. This error can occur on creation of a mandate and also when an attempt is made to amend a mandate to an illegal state. | MMS |
| RJCT | EC004_406 | FATL | Mandate processing failed | MandateStatusInvalid | MMS.API.9104 | The requested operation cannot be performed for the current status of the mandate. | MMS |
| RJCT | EC004_406 | FATL | Mandate processing failed | MandateActionPending | MMS.API.9110 | Outstanding mandate action pending confirmation. The outstanding action must be resolved before attempting the operation again. | MMS |
| RJCT | EC004_406 | FATL | Mandate processing failed | MandateInvalidPartyRole | MMS.API.9111 | Requesting servicer and party role do not match the mandate party definition. Can occur when the servicer requesting an action on a mandate does not match the party role provided in the request. | MMS |
| RJCT | EC004_406 | FATL | Mandate processing failed | MandateAmendmentSemanticRuleViolated | MMS.API.9113 | Mandate amendment semantic rule violated. Additional information on the violation will be provided in the response. | MMS |
| RJCT | EC004_406 | FATL | Mandate processing failed | MandateStatusChangeSemanticRuleViolated | MMS.API.9114 | Mandate status change semantic rule violated. Additional information on the violation will be provided in the response. | MMS |
| RJCT | EC004_406 | FATL | Mandate processing failed | MandateAccountServicerInvalid | MMS.API.9116 | The Account Service entry in the BRDT data does not match the account identification type code and issuer. | MMS |
| RJCT | EC004_406 | FATL | Mandate processing failed | BOServiceNotLinkedToSettlementBIService | MMS.API.9118 | The provided NPP Backoffice Service is not linked to a Settlement BI Servicer in the BRDT. | MMS |
| RJCT | EC004_406 | FATL | Mandate processing failed | ServicerNotAMemberOfBOService | MMS.API.9119 | Mandate servicer BIC is not a member of the Backoffice Service in current BRDT. | MMS |
| RJCT | EC004_406 | FATL | Mandate processing failed | ServicerDoesNotMatchPaymentInitiator | MMS.API.9120 | The servicer making the request does not match the Payment Initiator in the request details. | MMS |
| RJCT | EC004_406 | TRAN/FATL | Mandate processing failed | MMSServiceError | MMS.API.9900 | MMS internal service error. | MMS |
| RJCT | EC004_406 | FATL | Mandate processing failed | PAGServiceError | MMS.API.9901 | PAG processing problem. | MMS |
PayTo MPIR Event Codes
Validation failures relating to MPIR submissions.
The transaction status and transaction reason codes are returned in the PayTo API Webhook MPIR Processing Outcomes.
Transaction reason codes can be generated by both ANZ and the other finiancial institution (OFI) involved in processing the MPIR. Where ANZ is also the debtor then ANZ can generate the “OFI” transaction reason codes below.
| transaction_status | transaction_status_reason_code | transaction_status_additional_information | Description | Source of Reason Code |
|---|---|---|---|---|
| RJCT | AB01 | AbortedClearingTimeout | Clearing process aborted due to timeout | OFI |
| RJCT | AB02 | AbortedClearingFatalError | Clearing process aborted due to a fatal error | OFI |
| RJCT | AB03 | AbortedSettlementTimeout | Settlement aborted due to timeout | OFI |
| RJCT | AB04 | AbortedSettlementFatalError | Settlement process aborted due to a fatal error | OFI |
| RJCT | AB08 | OfflineCreditorAgent | Creditor Agent is not online | OFI |
| RJCT | AC02 | InvalidDebtorAccountNumber | Debtor account number invalid or missing | OFI |
| RJCT | AC02 | Invalid Debtor Account | Debtor name on mandate is not matching debtor name returned from alias resolution service | ANZ |
| RJCT | AC03 | Creditor Account number invalid or missing | Creditor account number invalid or missing | ANZ |
| RJCT | AC03 | InvalidCreditorAccountNumber | Creditor account number invalid or missing | OFI |
| RJCT | AC05 | ClosedDebtorAccountNumber | Debtor account number closed | OFI |
| RJCT | AC06 | BlockedAccount | Account specified is blocked, prohibiting posting of transactions against it | OFI |
| RJCT | AC06 | Creditor account blocked | Account specified is blocked, prohibiting posting of transactions against it | ANZ |
| RJCT | AC07 | ClosedCreditorAccountNumber | Creditor account number closed | OFI |
| RJCT | AC07 | Closed Creditor Account number | Creditor account number closed | ANZ |
| RJCT | AC13 | InvalidDebtorAccountType | Debtor account type missing or invalid | OFI |
| RJCT | AC14 | InvalidCreditorAccountType | Creditor account type missing or invalid | OFI |
| RJCT | AC15 | AccountDetailsChanged | The account details for the counterparty have changed | OFI |
| RJCT | AG01 | TransactionForbidden | Transaction forbidden on this type of account | OFI |
| RJCT | AG03 | TransactionNotSupported | Transaction type not supported/authorized on this account | OFI |
| RJCT | AG07 | UnsuccesfulDirectDebit | Debtor account cannot be debited for a generic reason | OFI |
| RJCT | AGNT | IncorrectAgent | Agent in the payment workflow is incorrect | OFI |
| RJCT | AM01 | Specified message amount is equal to zero | Instructed Amount is invalid | ANZ |
| RJCT | AM01 | ZeroAmount | Specified message amount is equal to zero | OFI |
| RJCT | AM02 | NotAllowedAmount | Specific transaction/message amount is greater than allowed maximum | OFI |
| RJCT | AM03 | Not Allowed Currency | Instructed Currency is not AUD | ANZ |
| RJCT | AM03 | NotAllowedCurrency | Specified message amount is an non processable currency outside of existing agreement | OFI |
| RJCT | AM04 | InsufficientFunds | Amount of funds available to cover specified message amount is insufficient | OFI |
| RJCT | AM06 | TooLowAmount | Specified transaction amount is less than agreed minimum | OFI |
| RJCT | AM09 | Wrong Amount | Amount received is not the amount agreed or expected | ANZ |
| RJCT | AM09 | WrongAmount | Amount received is not the amount agreed or expected | OFI |
| RJCT | AM12 | InvalidAmount | Amount is invalid or missing | OFI |
| RJCT | AM19 | InvalidGroupNumberOfTransactions | Number of transactions at the Group level is invalid or missing | OFI |
| RJCT | AM21 | Daily MPIR pay away limit exceeded. Your daily limit is AUD XXX,XXX.XX. Available limit (as at “Time in HH:MM:SS in Melbourne/Sydney Time”” on ““MPIR Date””): AUD XXX,XXX.XX | Daily MPIR limit has been exceeded | ANZ |
| RJCT | AM21 | LimitExceeded | Transaction amount exceeds limits agreed between bank and client | OFI |
| RJCT | AVED | AfterValidityEndDate | Mandate Validity end date has been passed | ANZ |
| RJCT | BE05 | UnrecognisedInitiatingParty | Party who initiated the message is not recognised by the end customer | OFI |
| RJCT | BE06 | UnknownEndCustomer | End customer specified is not known at associated Sort/National Bank Code or does no longer exist in the books | OFI |
| RJCT | BE08 | MissingDebtorName | Debtor name is missing | OFI |
| RJCT | BE22 | Creditor name is missing | Creditor Name or Ultimate Creditor Name or both are missing | ANZ |
| RJCT | BE22 | MissingCreditorName | Creditor name is missing | OFI |
| RJCT | BVSD | BeforeValidityStartDate | Mandate validity start date has not been reached | ANZ |
| RJCT | CH03 | Payment Date is in future and invalid. | requested_execution_date is too far in the future | ANZ |
| RJCT | CH03 | Requested Execution Time is too far in the future | payment_execute_not_before_time too far into the futureNote future dated MPIRs are released at 00:01 on the requested_execution_date | ANZ |
| RJCT | CH04 | Payment Date is in past and invalid. | requested_execution_date is too far in the past | ANZ |
| RJCT | CH20 | DecimalPointsNotCompatibleWithCurrency | Number of decimal points not compatible with the currency | OFI |
| RJCT | CH21 | RequiredCompulsoryElementMissing | Mandatory element is missing | OFI |
| RJCT | CURR | IncorrectCurrency | Currency of the payment is incorrect | OFI |
| RJCT | CUST | RequestedByCustomer | Cancellation requested by the Debtor | OFI |
| RJCT | DS09 | EC004_403 Failed to decrypt and verify the message | ANZ is unable to decrypt MPIR | ANZ |
| RJCT | DT02 | InvalidCreationDate | Invalid creation date and time in Group Header (eg, historic date) | OFI |
| RJCT | DT04 | FutureDateNotSupported | Future date not supported | OFI |
| RJCT | DU05 | Duplicate Instruction ID | instruction_identification needs to be unique for each MPS User Id | ANZ |
| RJCT | ED05 | SettlementFailed | Settlement of the transaction has failed | OFI |
| RJCT | ED06 | SettlementSystemNotAvailable | Interbank settlement system not available | OFI |
| RJCT | FF04 | InvalidServiceLevelCode | Service Level code is missing or invalid | OFI |
| RJCT | FF08 | InvalidEndToEndId | End to End Id missing or invalid | OFI |
| RJCT | FF10 | EC004_409 MPIR processing failed due to a technical issue | Generic error for any technical issues processing a MPIR where no reason code is available | ANZ |
| RJCT | FF10 | Unexpected error. Please try again and contact the ANZ Customer Service Centre if the issue persists | Technical error reported by downstream system | ANZ |
| RJCT | FF10 | BankSystemProcessingError | File or transaction cannot be processed due to technical issues at the bank side | OFI |
| RJCT | FF11 | ClearingRequestAborted | Clearing request rejected due it being subject to an abort operation | OFI |
| RJCT | G005 | DeliveredWithServiceLevel | Payment has been delivered to creditor agent with service level | OFI |
| RJCT | G006 | DeliveredWIthoutServiceLevel | Payment has been delivered to creditor agent without service level | OFI |
| RJCT | MCGP | MGCRInGracePeriod | A mandate with establishment scheme MGCR will only be valid for payment after a grace period of 5 calendar days from the registration of the mandate | ANZ |
| RJCT | MD01 | No mandate | mandate_identification is not found in MMS | ANZ |
| RJCT | MD01 | NoMandate | No Mandate | OFI |
| RJCT | MD02 | MissingMandatoryInformationInMandate | Mandate related information data required by the scheme is missing | OFI |
| RJCT | MD20 | MandateExpired | Mandate cancellation following validity expiration | OFI |
| RJCT | MS02 | NotSpecifiedReasonCustomerGenerated | Reason has not been specified by end customer | OFI |
| RJCT | MS03 | NotSpecifiedReasonAgentGenerated | Reason has not been specified by agent | OFI |
| RJCT | NACT | NotActive | Mandate status is not active | ANZ |
| RJCT | NARR | EC004_405 MPS User Id value: [mpsUserId] is invalid | MPS User Id Is Invalid | ANZ |
| RJCT | NARR | 4001 Division is invalid. Contact the ANZ Customer Service Centre | Invalid Division | ANZ |
| RJCT | NARR | 4002 Product is not entitled. Contact the ANZ Customer Service Centre | MPS User not entitled to submit MPIR | ANZ |
| RJCT | NARR | 4003 MPS User is invalid. Contact the ANZ Customer Service Centre | MPS User Id Is Invalid in downstream system | ANZ |
| RJCT | NARR | [{errorDetail}] | Reason is provided as narrative information | OFI |
| RJCT | NAUT | Unauthorised Mandate | MPS User Id not authorised to mandate | ANZ |
| RJCT | NAUT | Unauthorised Mandate | Permission to be processed is not granted | OFI |
| RJCT | RC05 | InvalidBICIdentifier | BIC identifier is invalid or missing | OFI |
| RJCT | RR02 | MissingDebtorNameOrAddress | Specification of the debtor’s name and/or address needed for regulatory requirements is insufficient or missing | OFI |
| RJCT | RR03 | MissingCreditorNameOrAddress | Specification of the creditor’s name and/or address needed for regulatory requirements is insufficient or missing | OFI |
| RJCT | SL01 | SpecificServiceOfferedByDebtorAgent | Due to specific service offered by the Debtor Agent | OFI |
| RJCT | SL11 | CreditorNotOnWhitelistOfDebtor | Whitelisting service offered by the Debtor Agent; Debtor has not included the Creditor on its “Whitelist” (yet). In the Whitelist the Debtor may list all allowed Creditors to debit Debtor bank account | OFI |
| RJCT | SL13 | MaximumNumberOfDirectDebitTransactionsExceeded | Due to Maximum allowed Direct Debit Transactions per period service offered by the Debtor Agent | OFI |
| RJCT | SL14 | MaximumDirectDebitTransactionAmountExceeded | Due to Maximum allowed Direct Debit Transaction amount service offered by the Debtor Agent | OFI |
| RJCT | TD03 | EC004_404 Schema validation failed against the unencrypted PayTo Request schema, error details [{errorDetail}] | MPIR invalid schema | ANZ |
| RJCT | TD03 | IncorrectFileStructure | The file format is incomplete or invalid | OFI |
| RJCT | TM01 | InvalidCutOffTime | Associated message, payment information block, or transaction was received after agreed processing cut-off time | OFI |
PayTo Mandate Action Decline Codes
Reason Codes for use when declining a Mandate creation/amendment authorisation request.
The reason codes are returned in the PayTo API Webhook Mandate Notifications.
| Reason Code | Reason Description | Additional Information |
|---|---|---|
| AC02 | InvalidDebtorAccountNumber | Debtor account number invalid or missing |
| AC05 | ClosedDebtorAccountNumber | Debtor account number closed |
| AC06 | BlockedAccount | Account specified is blocked, prohibiting posting of transactions against it |
| AC13 | InvalidDebtorAccountType | Debtor Account Type missing or invalid |
| AG01 | TransactionForbidden | Transaction forbidden on this type of account |
| AG03 | TransactionNotSupported | Account type not supported/authorised |
| AM03 | NotAllowedCurrency | Specified message amount is a non-processable currency outside of existing agreement |
| AM12 | InvalidAmount | Amount is invalid or missing |
| AM14 | AmountExceedsAgreedLimit | Transaction amount exceeds limits agreed between bank and client |
| BE06 | UnknownEndCustomer | End customer specified is not known at associated Sort/National Bank Code or does no longer exist in the books |
| MD09 | NoMandateServiceOnCustomer | Account is not open to specified Mandate services |
| MD16 | RequestedByCustomer | Cancellation/amendment requested by the debtor |
| NARR | Narrative | Reason is provided as narrative information in the additional reason information |
| NOAS | NoAnswerFromCustomer | No response from beneficiary |
| SL11 | Creditor not on Whitelist of Debtor | Whitelisting service offered by the Debtor Agent; Debtor has not included the Creditor on its “Whitelist” (yet). In the Whitelist the Debtor may list all allowed Creditors to debit Debtor bank account |
| SL12 | Creditor on Blacklist of Debtor | Blacklisting service offered by the Debtor Agent; Debtor included the Creditor on its “Blacklist”. In the Blacklist the Debtor may list all Creditors not allowed to debit Debtor bank account |
PayTo Mandate Status Change Codes
Reason Codes for use when cancelling or suspending a Mandate.
The reason codes are returned in the PayTo API Webhook Mandate Notifications.
| Reason Code | Reason Description | Additional Information |
|---|---|---|
| AC02 | InvalidDebtorAccountNumber | Debtor account number invalid or missing |
| AC04 | ClosedAccountNumber | Account number specified has been closed on the Receiver’s books |
| AC05 | ClosedDebtorAccountNumber | Debtor account number closed |
| AC06 | BlockedAccount | Account specified is blocked, prohibiting posting of transactions against it |
| AC13 | InvalidDebtorAccountType | Debtor Account Type missing or invalid |
| AG01 | TransactionForbidden | Transaction forbidden on this type of account |
| AG03 | TransactionNotSupported | Account type not supported/authorised |
| AM03 | NotAllowedCurrency | Specified message amount is a non-processable currency outside of existing agreement |
| AM12 | InvalidAmount | Amount is invalid or missing |
| AM14 | AmountExceedsAgreedLimit | Transaction amount exceeds limits agreed between bank and client |
| CTAM | ContractAmended | Mandate suspended due to amendment of the contract |
| CTCA | ContractCancellationInitiatedByDebtor | Mandate suspended due to cancellation of the contract, requested by the debtor |
| CTEX | ContractExpired | Mandate suspended due to the contract that expired |
| MCFC | MandateSuspendedFinalCollection | Mandate suspended as final collection took place |
| MCOC | MandateSuspendedOnceOffCollectio | Mandate suspended as the once off collection took place |
| MD07 | EndCustomerDeceased | End customer is deceased |
| MD08 | NoMandateServiceByAgent | Receiving agent does not offer specified Mandate services |
| MD09 | NoMandateServiceOnCustomer | Account is not open to specified Mandate services |
| MD16 | RequestedByCustomer | Cancellation/amendment requested by the debtor |
| MD17 | RequestedByInitiatingParty | Cancellation/amendment requested by the creditor or by the initiating party |
| MD20 | MandateExpired | Mandate cancellation following validity expiration |
| MS02 | NotSpecifiedReasonCustomerGenerated | Reason has not been specified by end customer |
| MS03 | NotSpecifiedReasonAgentGenerated | Reason has not been specified by agent |
| MSUC | MandateSuspended7ConsecutiveUnsuccessfulCollections | Mandate suspended after 7 consecutive unsuccessful collections |
| NARR | Narrative | Reason is provided as narrative information in the additional reason information |
| NOAS | NoAnswerFromCustomer | No response from beneficiary |
| SL01 | Specific Service offered by Debtor Agent | Due to specific service offered by the Debtor Agent |
| SL11 | Creditor not on Whitelist of Debtor | Whitelisting service offered by the Debtor Agent; Debtor has not included the Creditor on its “Whitelist” (yet). In the Whitelist the Debtor may list all allowed Creditors to debit Debtor bank account |
| SL12 | Creditor on Blacklist of Debtor | Blacklisting service offered by the Debtor Agent; Debtor included the Creditor on its “Blacklist”. In the Blacklist the Debtor may list all Creditors not allowed to debit Debtor bank account |
NPP Payment Return Codes
| Return Code | Return Code Definition |
|---|---|
| AC01 | Format of the account number specified is not correct |
| AC02 | Debtor account number invalid or missing. |
| AC03 | Wrong IBAN in SCT |
| AC04 | Account number specified has been closed on the bank of account’s books |
| AC06 | Account specified is blocked, prohibiting posting of transactions against it. |
| AC07 | Creditor account number closed. |
| AC13 | Debtor account type is missing or invalid |
| AC14 | An agent in the payment chain is invalid. |
| AC15 | Account details have changed. |
| AC16 | Account is in sequestration. |
| AC17 | Account is in liquidation. |
| AG01 | Transaction forbidden on this type of account (formerly NoAgreement) |
| AG02 | Bank Operation code specified in the message is not valid for receiver |
| AG07 | Debtor account cannot be debited for a generic reason. |
| AGNT | Agent in the payment workflow is incorrect. |
| AM01 | Specified message amount is equal to zero |
| AM02 | Specific transaction/message amount is greater than allowed maximum |
| AM03 | Specified message amount is a non-processable currency outside of the existing agreement |
| AM04 | Amount of funds available to cover specified message amount is insufficient. |
| AM05 | Duplication |
| AM06 | Specified transaction amount is less than agreed minimum. |
| AM07 | Amount specified in message has been blocked by regulatory authorities. |
| AM09 | Amount received is not the amount agreed or expected |
| AM10 | Sum of instructed amounts does not equal the control sum. |
| ARDT | Already returned original SCT |
| BE01 | Identification of end customer is not consistent with associated account number, organisation ID or private ID. |
| BE04 | Specification of creditor’s address, which is required for payment, is missing/not correct. |
| BE05 | Party who initiated the message is not recognised by the end customer |
| BE06 | End customer specified is not known at associated Sort/National Bank Code or no longer exists in the books |
| BE07 | Specification of debtor’s address, which is required for payment, is missing/not correct. |
| BE08 | Returned as a result of a bank error. |
| BE10 | Debtor country code is missing or invalid. |
| BE11 | Creditor country code is missing or invalid. |
| BE16 | Debtor or Ultimate Debtor identification code missing or invalid. |
| BE17 | Creditor or Ultimate Creditor identification code missing or invalid. |
| CN01 | Authorisation is cancelled. |
| CNOR | Creditor bank is not registered under this BIC in the CSM |
| CNPC | Cash not picked up by Creditor or cash could not be delivered to Creditor |
| CURR | Currency of the payment is incorrect |
| CUST | Cancellation requested by the Debtor. ONUS Return: Mistaken payment, Incorrect payee, or Incorrect payment address |
| DNOR | Debtor bank is not registered under this BIC in the CSM |
| DS28 | Return following technical problems resulting in erroneous transaction. |
| DT01 | Invalid date (e.g., wrong settlement date) |
| DUPL | ONUS Return: Incorrect amount |
| ED01 | Correspondent bank not possible. |
| ED03 | Balance of payments complementary info is requested |
| ED05 | Settlement of the transaction has failed. |
| EMVL | The card payment is fraudulent and was not processed with EMV technology for an EMV card. |
| ERIN | The Extended Remittance Information (ERI) option is not supported. |
| FF03 | Payment Type Information is missing or invalid. |
| FF04 | Service Level code is missing or invalid. |
| FF05 | Local Instrument code is missing or invalid. |
| FF06 | Category Purpose code is missing or invalid. |
| FF07 | Purpose is missing or invalid. |
| FOCR | Return following a cancellation request |
| FR01 | Returned as a result of fraud. |
| FRTR | Final response/tracking is recalled as mandate is cancelled. |
| G004 | Credit to the creditor’s account is pending, status Originator is waiting for funds provided via a cover. |
| MD01 | No Mandate |
| MD02 | Mandate related information data required by the scheme is missing. |
| MD05 | Creditor or creditor’s agent should not have collected the direct debit. |
| MD06 | Return of funds requested by end customer |
| MD07 | End customer is deceased. |
| MS02 | Reason has not been specified by end customer |
| MS03 | Reason has not been specified by agent. |
| NARR | Reason is provided as narrative information in the additional reason information. |
| NOAS | No response from Beneficiary |
| NOCM | Customer account is not compliant with regulatory requirements |
| NOOR | Original SCT never received |
| PINL | The card payment is fraudulent (lost and stolen fraud) and was processed as EMV transaction without PIN verification |
| RC01 | Bank Identifier code specified in the message has an incorrect format |
| RC07 | Incorrect BIC of the beneficiary Bank in the SCTR |
| RC08 | ClearingSystemMemberidentifier is invalid or missing |
| RC11 | Intermediary Agent is invalid or missing. |
| RF01 | Transaction reference is not unique within the message. |
| RR01 | Specification of the debtor’s account or unique identification needed for regulatory requirements is insufficient or missing |
| RR02 | Specification of the debtor’s name and/or address needed for regulatory requirements is insufficient or missing |
| RR03 | Specification of the creditor’s name and/or address needed for regulatory requirements is insufficient or missing |
| RR04 | Regulatory Reason |
| RR05 | Regulatory or Central Bank Reporting information missing, incomplete or invalid. |
| RR06 | Tax information missing, incomplete or invalid. |
| RR07 | Remittance information structure does not comply with rules for payment type. |
| RR08 | Remittance information truncated to comply with rules for payment type. |
| RR09 | Structured creditor reference invalid or missing. |
| RR11 | Invalid or missing identification of a bank proprietary service. |
| RR12 | Invalid or missing identification required within a particular country or payment type. |
| RUTA | Return following investigation request and no remediation possible. |
| SL01 | Due to specific service offered by the Debtor Agent |
| SL02 | Due to specific service offered by the Creditor Agent |
| SL11 | Whitelisting service offered by the Debtor Agent; Debtor has not included the Creditor on its “Whitelist.” |
| SL12 | Blacklisting service offered by the Debtor Agent; Debtor included the Creditor on his “Blacklist.” |
| SL13 | Due to Maximum allowed Direct Debit Transactions per period service offered by the Debtor Agent. |
| SL14 | Due to Maximum allowed Direct Debit Transaction amount service offered by the Debtor Agent. |
| SP01 | Payment is stopped by account holder. |
| SP02 | Previously stopped by means of a stop payment advise. |
| SVNR | The card payment is returned since a cash amount rendered was not correct or goods or a service was not rendered to the customer |
| TM01 | Associated message was received after agreed processing cut-off time. |
| TRAC | Return following direct debit being removed from tracking process. |
| UPAY | Payment is not justified. |
Status Reason Code Mapping
| Status | Status Code | Status Description | Reporting Level |
|---|---|---|---|
| RJCT | TD03 | Incorrect File Structure | Batch |
| RJCT | NARR | MPS User ID is Invalid | Batch |
| RJCT | DUPL | Duplicate Bulk MPIR file received (File Name: [{filename}]) | Batch |
| RJCT | FF10 | Invalid message body | Batch |
| RJCT | FF10 | Missing field or incorrect field length | Batch |
| RJCT | FF10 | Item count is incorrect and/or Batch ID Mismatch | Batch |
| ACTC | Not Mapped | Processing - Released from Warehouse | Batch |
| WARE | Not Mapped | Warehoused | Batch |
| RJCT | NARR | Division is invalid. Contact the ANZ Customer Service Centre. | Batch |
| RJCT | NARR | Product is not entitled. Contact the ANZ Customer Service Centre. | Batch |
| RJCT | NARR | MPS User is invalid. Contact the ANZ Customer Service Centre. | Batch |
| RJCT | AM21 | Daily MPIR pay-away limit exceeded. Your daily limit is AUD XXX,XXX.XX. Available limit (as at “Time in HH:MM:SS in Melbourne/Sydney Time” on “MPIR Date”): AUD XXX,XXX.XX | Batch |
| RJCT | CH04 | Payment date is in the past and invalid. | Batch |
| RJCT | CH03 | Payment date is in the future and invalid. | Batch |
| PART | (batch) | Partially completed | Batch |
| RJCT | (item) | 400: Bad Request | Item |
| RJCT | DU05 | 409: Duplicate Instruction ID | Item |
| RJCT | AC02 | Invalid Debtor Account | Item |
| RJCT | AC03 | Creditor Account number invalid or missing | Item |
| RJCT | AC06 | Creditor account blocked | Item |
| RJCT | AC07 | Closed Creditor Account number | Item |
| RJCT | AM01 | Specified message amount is equal to zero | Item |
| RJCT | AM03 | Not Allowed Currency | Item |
| RJCT | AM09 | Wrong Amount | Item |
| RJCT | AVED | After Validity End Date | Item |
| RJCT | BE22 | Creditor name is missing | Item |
| RJCT | BVSD | Before Validity Start Date | Item |
| RJCT | CH03 | Requested Execution Time is too far in the future | Item |
| RJCT | FF10 | Bank System Processing Error | Item |
| RJCT | MCGP | MGCR In Grace Period | Item |
| RJCT | MD01 | No mandate | Item |
| RJCT | NACT | Not Active | Item |
| RJCT | NAUT | Unauthorized Mandate | Item |
| ACSC | Not Mapped | Accepted Settlement Completed - Debtor Account | Item |
| ACSP | Not Mapped | Accepted Settlement In Process | Item |
| RJCT | AB01 | Aborted Clearing Timeout | Item |
| RJCT | AB02 | Aborted Clearing Fatal Error | Item |
| RJCT | AB03 | Aborted Settlement Timeout | Item |
| RJCT | AB04 | Aborted Settlement Fatal Error | Item |
| RJCT | AB08 | Offline Creditor Agent | Item |
| RJCT | AC02 | Invalid Debtor Account Number | Item |
| RJCT | AC03 | Invalid Creditor Account Number | Item |
| RJCT | AC05 | Closed Debtor Account Number | Item |
| RJCT | AC06 | Blocked Account | Item |
| RJCT | AC07 | Closed Creditor Account Number | Item |
| RJCT | AC13 | Invalid Debtor Account Type | Item |
| RJCT | AC14 | Invalid Creditor Account Type | Item |
| RJCT | AC15 | Account Details Changed | Item |
| RJCT | AG01 | Transaction Forbidden | Item |
| RJCT | AG03 | Transaction Not Supported | Item |
| RJCT | AG07 | Unsuccessful Direct Debit | Item |
| RJCT | AGNT | Incorrect Agent | Item |
| RJCT | AM01 | Zero Amount | Item |
| RJCT | AM02 | Not Allowed Amount | Item |
| RJCT | AM03 | Not Allowed Currency | Item |
| RJCT | AM04 | Insufficient Funds | Item |
| RJCT | AM06 | Too Low Amount | Item |
| RJCT | AM09 | Wrong Amount | Item |
| RJCT | AM12 | Invalid Amount | Item |
| RJCT | AM19 | Invalid Group Number Of Transactions | Item |
| RJCT | AM21 | Limit Exceeded | Item |
| RJCT | BE05 | Unrecognized Initiating Party | Item |
| RJCT | BE06 | Unknown End Customer | Item |
| RJCT | BE08 | Missing Debtor Name | Item |
| RJCT | BE22 | Missing Creditor Name | Item |
| RJCT | CH20 | Decimal Points Not Compatible With Currency | Item |
| RJCT | CH21 | Required Compulsory Element Missing | Item |
| RJCT | CURR | Incorrect Currency | Item |
| RJCT | CUST | Requested By Customer | Item |
| RJCT | DT02 | Invalid Creation Date | Item |
| RJCT | DT04 | Future Date Not Supported | Item |
| RJCT | ED05 | Settlement Failed | Item |
| RJCT | ED06 | Settlement System Not Available | Item |
| RJCT | FF04 | Invalid Service Level Code | Item |
| RJCT | FF08 | Invalid End-To-End ID | Item |
| RJCT | FF10 | Bank System Processing Error | Item |
| RJCT | FF11 | Clearing Request Aborted | Item |
| RJCT | FRAD | Fraudulent Origin | Item |
| RJCT | G005 | Delivered With Service Level | Item |
| RJCT | G006 | Delivered Without Service Level | Item |
| RJCT | MD01 | No Mandate | Item |
| RJCT | MD02 | Missing Mandatory Information In Mandate | Item |
| RJCT | MD20 | Mandate Expired | Item |
| RJCT | MS02 | Not Specified Reason - Customer Generated | Item |
| RJCT | MS03 | Not Specified Reason - Agent Generated | Item |
| RJCT | NARR | Narrative | Item |
| RJCT | NAUT | Unauthorized Mandate | Item |
| RJCT | RC05 | Invalid BIC Identifier | Item |
| RJCT | RR02 | Missing Debtor Name Or Address | Item |
| RJCT | RR03 | Missing Creditor Name Or Address | Item |
| RJCT | RR04 | Regulatory Reason | Item |
| RJCT | SL01 | Specific Service Offered By Debtor Agent | Item |
| RJCT | SL11 | Creditor Not On Whitelist Of Debtor | Item |
| RJCT | SL13 | Maximum Number Of Direct Debit Transactions Exceeded | Item |
| RJCT | SL14 | Maximum Direct Debit Transaction Amount Exceeded | Item |
| RJCT | TD03 | Incorrect File Structure | Item |
| RJCT | TM01 | Invalid Cut-Off Time | Item |
| RJCT | NARR | Item |