Status Reasons

If a transfer fails, Orum will send a transfer_updated webhook. The transfer object in the payload will have a status of failed and a status_reasons array that explains why the transfer failed. status_reasons will contain a source and/or destination item, depending on where the transfer failure occurred.

FieldDescription
reason_codeA word-based code created by Orum to describe the reason for the failure. Orum reason codes are rail-agnostic.
reason_code_messageA human-readable description of the reason code.
network_reason_codeThe reason code sent by the network (ex: R01).
network_reason_code_messageThe message sent by the network.
network_reason_code_rail_typeThe payment rail used in the transfer. Either RTP or ACH.

The network_reason_code and network_reason_message fields are populated with what Deliver receives from the network. That network information is mapped to an Orum-created reason_code and reason_code_message, which give a higher-level and more human-readable explanation of the transfer failure.

Return Reason Codes

reason_codereason_code_message
blocked_accountAn account in the transfer request was blocked or prohibits posting of transfers against it
blocked_cardThe card has been associated with potential fraud or security concerns
canceled_transferA transfer cancellation request was successful
closed_accountAccount number specified has been closed on the bank of account’s books
debit_blockedThe account owner has placed a stop payment on their account
deceased_partyOne of the parties in the transfer request was deceased
duplicated_transferDuplicate of a previous transfer request
enterprise_insufficient_fundsThere is an insufficient enterprise balance and the transfer request cannot be completed
expiration_invalidThe expiration date provided was either invalid or expired
insufficient_fundsThere was not enough money available to complete the transfer request
invalid_accountThe account number provided is invalid or does not exist
invalid_amountThe amount provided in the transfer request was invalid or missing
invalid_country_codeThe country code utilized was invalid
invalid_currencyThe currency provided in the transfer request was invalid or missing
invalid_fieldThere was erroneous, invalid, or missing data in the transfer request
invalid_routingThe routing number provided is invalid or does not exist
issuer_errorThere was an error at the issuer and efforts to remedy should be made with the issuer
limit_exceededA limit set for this card has been exceeded
network_error
regulatory_errorThe transfer could not be completed because of limitations imposed by a regulator
transfer_on_holdTransfer request was questionable or part of anomalous activity
unauthorized_transferA party in the transfer request was either unknown or did not authorize this request
unavailable_financial_institutionSending or receiving financial institution is currently not available or does not support this request type
unexpected_errorThere was an unexpected error with this transfer request
unsupported_transferTransfer type is not supported or forbidden
wire_returnedThe wire was returned from the receiving bank because it was unable to be delivered to the desired destination

Notification of Change (NOC)

A Notification of Change (NOC) is an alert used to notify the sender of an ACH payment to update details related to a customer’s bank account that have changed or are incorrect. NOCs are created by the Receiving Depository Financial Institution (RDFI) and sent to the Originating Depository Financial Institution (ODFI). NOCs help ensure that future transactions are processed accurately without any disruptions.

Orum automates the NOC process so you receive them directly via webhook. We relay the following information to you via the transfer response body:

  • The Nacha correction code
  • Detail of what needs to be changed
  • Detail of what the new value needs to be

When a NOC is received, the transfer_updated webhook event is sent.

There is no change in transfer status, as a NOC can exist on a transfer of any status and will not trigger the transfer to fail.

The Automated NOC will be conveyed via the existing parameters and corresponding details:

ParameterDetails
network_reason_codeNacha Correction Code (e.g. C01)
reason_code_messageNOC Reason Text that Orum gets from the processor (e.g. Incorrect account number)
network_reason_code_messageCorrection info that Orum gets from the processor (e.g. 123456789

If a NOC occurs on a transfer that has also incurred a return, Orum will notify you of both events. In this case, a separate transfer_updated webhook will be sent for each event, but the events will always look like this:

"destination": {  
          "reason_code": "string",  
          "reason_code_message": "string",  
          "network_reason_code": "string",  
          "network_reason_code_message": "string",  
          "network_reason_code_rail_type": "string"

NOC Reason Codes

Unlike the reason codes above, NOCs can exist on a transfer of anystatus(i.e. it does not have to be failed). The status_reasons array will still explain why the NOC occurred.status_reasons will contain a source and/or destination item, depending on where the NOC occurred.

CodeMessageDescription
C01Incorrect bank account numberBank account number incorrect or formatted incorrectly
C02Incorrect routing numberOnce valid transit/routing number must be changed
C03Incorrect transit/routing number and bank account numberOnce valid transit/routing number must be changed and causes a change to bank account number structure
C04Bank account name changeCustomer has changed name or ODFI submitted name incorrectly
C05Incorrect payment codeEntry posted to demand account should contain savings payment codes or vice versa
C06Incorrect bank account number and transit codeBank account number must be changed and payment code should indicate posting to another account type (demand/savings)
C07Incorrect transit/routing number, bank account number and payment codeChanges required in three fields indicated

ACH Return Codes

CodeCategoryDescriptionAccount TypeTimeframe
R01StandardInsufficient FundsConsumer/Business2 Banking Days
R02AdministrativeAccount ClosedConsumer/Business2 Banking Days
R03AdministrativeNo Account/Unable to Locate AccountConsumer/Business2 Banking Days
R04AdministrativeInvalid Account NumberConsumer/Business2 Banking Days
R05UnauthorizedUnauthorized Debit to Consumer AccountConsumer60 Calendar Days
R06StandardReturned per ODFI RequestConsumer/BusinessNot Applicable
R07UnauthorizedAuthorization RevokedConsumer60 Calendar Days
R08StandardPayment StoppedConsumer/Business2 Banking Days
R09StandardUncollected FundsConsumer/Business2 Banking Days
R10UnauthorizedCustomer Advises Unauthorized, Improper, or IneligibleConsumer60 Calendar Days
R11StandardCustomer Advises Entry Not in Accordance with TermsConsumer60 Calendar Days
R12StandardBranch Sold to Another DFIConsumer/Business2 Banking Days
R13StandardRDFI Not Qualified to ParticipateConsumer/Business2 Banking Days
R14StandardRepresentative Payee Deceased or Unable to ContinueConsumer2 Banking Days
R15StandardBeneficiary or Account Holder DeceasedConsumer2 Banking Days
R16StandardAccount FrozenConsumer/Business2 Banking Days
R17StandardFile Record Edit CriteriaConsumer/Business2 Banking Days
R18StandardImproper Effective Entry DateConsumer/Business2 Banking Days
R19StandardAmount Field ErrorConsumer/Business2 Banking Days
R20StandardNon-Transaction AccountConsumer/Business2 Banking Days
R21StandardInvalid Company IdentificationBusiness2 Banking Days
R22StandardInvalid Individual ID NumberConsumer2 Banking Days
R23StandardCredit Entry Refused by ReceiverConsumer/Business2 Banking Days
R24StandardDuplicate EntryConsumer/Business2 Banking Days
R25StandardAddenda ErrorConsumer/Business2 Banking Days
R26StandardMandatory Field ErrorConsumer/Business2 Banking Days
R27StandardTrace Number ErrorConsumer/Business2 Banking Days
R28StandardRouting Number Check Digit ErrorConsumer/Business2 Banking Days
R29UnauthorizedCorporate Customer Advises Not AuthorizedBusiness2 Banking Days
R30StandardRDFI Not Participant in Check Truncation ProgramConsumer/Business2 Banking Days
R31StandardPermissible Return EntryBusinessNot Applicable
R32StandardRDFI Non-SettlementConsumer/Business2 Banking Days
R33StandardReturn of XCK EntryConsumer/Business2 Banking Days
R34StandardLimited Participation DFIConsumer/Business2 Banking Days
R35StandardReturn of Improper Debit EntryConsumer/Business60 Calendar Days
R36StandardReturn of Improper Credit EntryConsumer/Business2 Banking Days
R37StandardSource Document Presented for PaymentConsumer/Business2 Banking Days
R38StandardStop Payment on Source DocumentConsumer/Business2 Banking Days
R39StandardImproper Source Document/Presented for PaymentConsumer/Business2 Banking Days
R40StandardReturn of ENR Entry by Federal Government AgencyConsumer2 Banking Days
R41StandardInvalid Transaction CodeConsumer2 Banking Days
R42StandardRouting Number/Check Digit ErrorConsumer2 Banking Days
R43StandardInvalid DFI Account NumberConsumer2 Banking Days
R44StandardInvalid Individual ID NumberConsumer2 Banking Days
R45StandardInvalid Individual NameConsumer2 Banking Days
R46StandardInvalid Representative Payee IndicatorConsumer2 Banking Days
R47StandardDuplicate EnrollmentConsumer2 Banking Days
R50StandardState Law Affecting RCK AcceptanceConsumer60 Calendar Days
R51UnauthorizedItem is Ineligible, Notice Not Provided, Signature Not GenuineConsumer60 Calendar Days
R52StandardStop Payment on ItemConsumer2 Banking Days
R53StandardItem and ACH Entry Presented for PaymentConsumer2 Banking Days
R61StandardMisrouted ReturnConsumer/BusinessNot Applicable
R62StandardReturn of Erroneous or Reversing DebitConsumer/BusinessNot Applicable
R67StandardDuplicate ReturnConsumer/BusinessNot Applicable
R68StandardUntimely ReturnConsumer/BusinessNot Applicable
R69StandardField Error(s)Consumer/BusinessNot Applicable
R70StandardPermissible Return Entry Not AcceptedConsumer/BusinessNot Applicable
R71StandardMisrouted Dishonored ReturnConsumer/BusinessNot Applicable
R72StandardUntimely Dishonored ReturnConsumer/BusinessNot Applicable
R73StandardTimely Original Return Not ReceivedConsumer/BusinessNot Applicable
R74StandardCorrected ReturnConsumer/BusinessNot Applicable
R75StandardReturn Not a DuplicateConsumer/BusinessNot Applicable
R76StandardNo Errors FoundConsumer/BusinessNot Applicable
R80StandardIAT Entry Coding ErrorConsumer/Business2 Banking Days
R81StandardNon-Participant in IAT ProgramConsumer/Business2 Banking Days
R82StandardInvalid Foreign RDFI IdentificationConsumer/Business2 Banking Days
R83StandardForeign RDFI Unable to SettleConsumer/Business2 Banking Days
R84StandardEntry Not Processed by GatewayConsumer/Business2 Banking Days
R85StandardIncorrectly Coded Outbound International PaymentConsumer/Business2 Banking Days

RTP Error Codes

CodeDescription
AC02Debtor account number invalid or missing.
AC03Creditor account number invalid or missing.
AC04Bank account closed.
AC06Bank account blocked.
AC11Creditor account currency invalid or missing.
AC13Debtor account type invalid.
AC14Creditor account type invalid.
AGNTIncorrect Agent
AG01Transaction forbidden.
AG03Transaction not supported.
AM02Transaction exceeded max allowed.
AM04Insufficient funds.
AM09Amount not expected.
AM11The currency code is not supported by RTP.
AM12Amount invalid or missing.
AM13TCH transaction limit exceeded.
AM14Transaction exceeds bank-client limit.
BE04Creditor address invalid.
BE06Unknown customer.
BE07Debtor address invalid or missing.
BE10Debtor country invalid or missing.
BE11Creditor country invalid or missing.
BE14Country code missing.
BE16Debtor id invalid or missing.
BE17Creditor id invalid or missing.
DS24TCH timeout.
DT04Future date.
DUPLDuplicate.
DS0HSigner not allowed for this account.
FF02System error.
FF08End to end ID missing or invalid.
FRTRFinal Response - Repeat attempt to prior non-response.
MD07Deceased customer.
NARRDetail provided.
RC01Incorrect FI ID format.
RC02FI ID invalid or missing.
RC03Debtor FI ID invalid or missing.
RC04Creditor FI ID invalid or missing.
SL03Token service not responding.
TM01Invalid cut off time or instruction.
TK01Invalid token.
TK02Sender token not found.
TK03Receiver token not found.
TK04Token expired.
TK05Token mismatch.
TK06Token value limit violation.
TK07Token already used.
TK08Token suspended.
UPAYUndue Payment - Payment has been made through another payment channel.
1100Reason not recovered by iso.
9901IPS switch system malfunction.
9910Instructed agent signed off.
9912Receiving participant not available.
9914Missing element for zelle.
9934Instructing agent signed off.
9946Instructing agent suspended.
9947Instructed agent suspended.
9948Service suspended.
9952Incompatible message versions.
9953Missing code ‘FULL’ (full invoice amount).
9954Instruction from creditor missing.
9956Instructing agent funding account suspended.
9957Instructed agent funding account suspended.
9964Invalid participant identification.
NOATMessage type not supported or accepted.

FedNow Error Codes

CodeDescription
AC02Invalid debtor account.
AC03Creditor account number invalid or missing.
AC04Bank account closed.
AC05Closed debtor account.
AC06Bank account blocked.
AC07Creditor account closed.
AC14Creditor account type invalid or missing.
ACTCAccepted technical validation.
ACSCAccepted settlement completed.
ACWPAccepted without posting.
ACCCAccepted creditor posting completed.
ADACAwaiting debit auth.
AG01Transaction forbidden.
AG03Transaction not supported.
AGNTIncorrect agent.
AM02Transaction exceeded max allowed.
AM04Insufficient funds.
AM06Too low amount.
AM09Amount not expected.
AM12Amount invalid or missing.
AM13FedNow transaction limit exceeded.
AM14Amount exceeds agreed limit.
ARDTAlready returned.
ARRLAwaiting reply.
BE01Inconsistent end user.
BE04Creditor address invalid.
BE05Unrecognized initiating party.
BE17Creditor id invalid or missing.
BLCKBlocked.
CNCLCanceled as requested.
CUSTRequested by customer.
CUTAUpon unable to apply.
DS02Order cancelled.
DS24FedNow timeout.
DT01Incorrect date.
DT24Future date.
DUPLDuplicate.
DS0HSigner not allowed for this account.
E301Report request failed.
E400Message id does not exist.
E401Unauthorized to send pacs028
E402Message was not processed.
E411Message still processing wait till timeout.
E420Rejected control set by corespondent.
E481Invalid dates.
E500FedNow internal error call support center 500.
E600Balance inquiry not allowed.
E760Invalid response.
E890Pending transaction status invalid.
E891Finalized transasction status invalid.
E960FedNow internal error call support center 960.
E970Pending transaction status invalid.
E974FedNow internal error call support center 974.
E980Invalid sender service profile.
E981Invalid receiver service profile.
E982Missing participant profile for ct or rfp.
E983Lm transfer out of business hours.
E984Missing participant profile for lmt.
E990Transaction out of limits.
E996Reserved response timeout.
E997Processing response timeout.
E999Invalid future date.
F101Entry match receiver fraud controls.
F102Entry match sender nebative list entry.
FF02System error.
FOCRFollowing refund request.
FR01Fraudulent payment.
FRADFraudulent payment.
IDUPDuplicate transaction.
IN02Incorrect payment service level.
IN06Incorrect interbank settlement amount.
IN07Incorrect debtor.
IN08Incorrect debtor account.
IN15Incorrect remittance information.
IN16Incorrect payment purpose.
IN38Incorrect debtor address.
IN39Incorrect creditor address.
INFOAdditional information to send.
IPAYAccepted.
LEGLLegal dicision.
MD07End to end id missing or invalid.
MM20Mismatch creditor name account.
MM21Mismatch debtor name account.
MM25Pending execution debtor account or identification.
MM26Pending execution debtor name or address.
MM27Payment executed debtor account or identification.
MM28Payment executed debtor name or address.
MM29Pending execution creditor account or identification.
MM30Pending execution creditor name or address.
MM31Payment executed creditor account or identification.
MM32Payment executed creditor name or address.
MM35Insufficient payment purpose.
MS02Not specified reason customer.
MS03Not specified reason agent.
NARRDetail provided.
NINFNo furthor information.
NOORNo original transaction received.
PDCRPending.
PDNGPending.
PECRPartial refund.
PTNAPassed to next agent.
RC01Incorrect fi id format.
RJCRRejected.
RJCTRejected.
RQDARequesting debit auth.
RR04Regulatory reason.
RUTAReturn upon unable to pay.
SVNRService not rendered.
T501Message XML length exceeded.
T504Invalid to member id.
T505Malformed message.
T506Invalid message definition id.
T508Business processing date tag not allowed.
T509Copy DUPL tag not allowed.
T510Releated element tag not allowed.
T512Invalid message id.
T514Structured remittance info langth exceeded.
T515Structured and unstructred remittance info not allowed.
T516Invalid sending party.
T517Duplicate message id.
T518Missing original message id or UETR.
T519Missing landline phone on preferred contact method.
T520Missing mobile phone on preferred contact method.
T521Missing email on preferred contact method.
T522Missing reason code on rejected transaction.
T523Invalid status code.
T524Invalid original message name id.
T525Invalid original interbank settlement amount format.
T526Insufficient debtor info provided.
T527Invalid local instrument.
T528Invalid returned interbank settlement amount format.
T529Invalid message signature.
T530Invalid country code.
T531Invalid original message name id value.
T532Invalid interbank settlement amount format.
T533Invalid compensation amount format.
T534Missing transaction id or UETR.
T535Invalid category purpose.
T536Missing additional info for NARR.
T537Key signature algo not supported.
T538Account balance request invalid.
T539Account balance request missing account type.
T540Account report request missing connection party id.
T542Invalid market practice id.
T543Invalid original message date.
T544Invalid message reference in admi007.
T545IATR report request does not allow period or account type.
T546AATR report request invalid account id.
T547Invalid status code in admi007.
T548Invalid charges amount format.
T550Invalid RFRR status code.
T551Invalid cancellation reason info.
T553Propietary under reason not allowed.
T554Invalid RFIR status code.
T555Invalid fnclockstart format.
T556Invalid RFIR correction txn info.
T557End of day report request reported period missing or account type not allowed.
T558Invalid report request message name id.
T559Invalid expiry date for RFP.
T560Invalid status code CT.
T561Duplicate status reason info.
T562Business service not allowed.
T563Invalid status code RFI.
T565Invalid resolution related info RFI.
T566Invalid resolution related info RFR.
T567Invalid original instructed amount format.
T568Invalid instructed amount format.
T569Invalid accepted amount format.
T570Invalid key encoding.
T571Invalid key algo.
T572Invalid encoding key.
T573Invalid key length.
T574Invalid key fingerprint.
T575Invalid key expiration.
T576Duplicated.
T577Revoke key not found.
T578Last active key cannot be revoked.
T579Key already revoked or expired.
T580Future time.
T581Missing or invalid event code.
T582Invalid past requested execution date.
T583Invalid expiry date before requested execution date.
T584No conneciton points for connection party.
T600Balance inquery service not available.
TECHTechnical problem.
UPAYUndue payment.

Visa Chargeback Reason Codes

CodeCategoryDescriptionTimeframe
10.1FraudEMV Liability Shift Counterfeit Fraud120 Calendar Days
10.2FraudEMV Liability Shift Non-Counterfeit Fraud120 Calendar Days
10.3FraudOther Fraud - Card-Present Environment120 Calendar Days
10.4FraudOther Fraud - Card-Absent Environment120 Calendar Days
10.5MonitoringVisa Fraud Monitoring ProgramVaries
11.1AuthorizationCard Recovery Bulletin120 Calendar Days
11.2AuthorizationDeclined Authorization120 Calendar Days
11.3AuthorizationNo Authorization120 Calendar Days
12.1Processing ErrorLate Presentment120 Calendar Days
12.2Processing ErrorIncorrect Transaction Code120 Calendar Days
12.3Processing ErrorIncorrect Currency120 Calendar Days
12.4Processing ErrorIncorrect Account Number120 Calendar Days
12.5Processing ErrorIncorrect Amount120 Calendar Days
12.6.1Processing ErrorDuplicate Processing120 Calendar Days
12.6.2Processing ErrorPaid by Other Means120 Calendar Days
12.7Processing ErrorInvalid Data120 Calendar Days
13.1Consumer DisputeMerchandise/Services Not Received120 Calendar Days
13.2Consumer DisputeCancelled Recurring Transaction120 Calendar Days
13.3Consumer DisputeNot as Described or Defective Merchandise/Services120 Calendar Days
13.4Consumer DisputeCounterfeit Merchandise120 Calendar Days
13.5Consumer DisputeMisrepresentation120 Calendar Days
13.6Consumer DisputeCredit Not Processed120 Calendar Days
13.7Consumer DisputeCancelled Merchandise/Services120 Calendar Days
13.8Consumer DisputeOriginal Credit Transaction Not Accepted120 Calendar Days
13.9Consumer DisputeNon-Receipt of Cash or Load Transaction Value120 Calendar Days

Mastercard Chargeback Reason Codes

CodeCategoryDescriptionTimeframe
4515Consumer DisputeCardholder Denies Transaction Finalized120 Calendar Days
4807AuthorizationWarning Bulletin File120 Calendar Days
4808AuthorizationRequested/Required Authorization Not Obtained120 Calendar Days
4812AuthorizationAccount Number Not on File120 Calendar Days
4831Consumer DisputeDisputed Amount120 Calendar Days
4834Processing ErrorDuplicate Transaction120 Calendar Days
4837FraudNo Cardholder Authorization120 Calendar Days
4841Consumer DisputeCancelled Recurring Transaction120 Calendar Days
4842Processing ErrorLate Presentment120 Calendar Days
4846Processing ErrorCorrect Transaction Currency Code Not Provided120 Calendar Days
4849FraudQuestionable Merchant Activity120 Calendar Days
4853Consumer DisputeCardholder Dispute: Defective/Not as Described120 Calendar Days
4854Consumer DisputeCardholder Dispute: Not Elsewhere Classified (U.S.)120 Calendar Days
4855Consumer DisputeGoods or Services Not Delivered120 Calendar Days
4859Consumer DisputeServices Not Rendered120 Calendar Days
4860Consumer DisputeCredit Not Received120 Calendar Days
4863FraudCardholder does Not Recognize: Potential Fraud120 Calendar Days
4870FraudChip Liability Shift120 Calendar Days
4871FraudChip/Pin Liability Shift120 Calendar Days
4999Regional DisputeDomestic Chargeback Dispute (Europe Region Only)120 Calendar Days