Network Reason Codes

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.

Field	Description
`reason_code`	A word-based code created by Orum to describe the reason for the failure. Orum reason codes are rail-agnostic.
`reason_code_message`	A human-readable description of the reason code.
`network_reason_code`	The reason code sent by the network (ex: R01).
`network_reason_code_message`	The message sent by the network.
`network_reason_code_rail_type`	The 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_code	reason_code_message
account_not_verified	The account did not pass verification.
blocked_account	An account in the transfer request was blocked or prohibits posting of transfers against it
blocked_card	The card has been associated with potential fraud or security concerns
canceled_transfer	A transfer cancellation request was successful
card_expired	The expiration date provided is expired.
closed_account	Account number specified has been closed on the bank of account’s books
debit_blocked	The account owner has placed a stop payment on their account
deceased_party	One of the parties in the transfer request was deceased
duplicated_transfer	Duplicate of a previous transfer request
enterprise_insufficient_funds	There is an insufficient enterprise balance and the transfer request cannot be completed
expiration_invalid	The expiration date provided was either invalid or expired
incomplete_card_holder_address	The card holder address is incomplete. Please provide address1, city, state, and zip5.
insufficient_funds	There was not enough money available to complete the transfer request
invalid_account	The account number provided is invalid or does not exist
invalid_amount	The amount provided in the transfer request was invalid or missing
invalid_country_code	The country code utilized was invalid
invalid_currency	The currency provided in the transfer request was invalid or missing
invalid_field	There was erroneous, invalid, or missing data in the transfer request
invalid_flow_of_funds	The flow of funds attempted is not permitted. The status of the transfer parties may be incorrect or you may not have access to this flow of funds.
invalid_routing_number	The routing number provided is invalid or does not exist
issuer_error	There was an error at the issuer and efforts to remedy should be made with the issuer
limit_exceeded	A limit set for this card has been exceeded
network_error
regulatory_error	The transfer could not be completed because of limitations imposed by a regulator
transfer_on_hold	Transfer request was questionable or part of anomalous activity
transfer_group_customer_status	The customer associated with this transfer group is invalid.
transfer_group_account_status	The account associated with this transfer group is invalid.
unauthorized_transfer	A party in the transfer request was either unknown or did not authorize this request
unavailable_financial_institution	Sending or receiving financial institution is currently not available or does not support this request type
unexpected_error	There was an unexpected error with this transfer request
unsupported_transfer	Transfer type is not supported or forbidden
wire_returned	The wire was returned from the receiving bank because it was unable to be delivered to the desired destination

Webhook Example

{
  "event_id": "cl0e13b9-7311-440b-828a-a5c13c4e342p",
  "event_type": "transfer_updated",
  "created_at": "2022-08-26T18:57:18.087Z",
  "event_data": {
      "transfer": {
          "id": "542dbbe3-cf18-4d94-a490-7dde26f5b5bp",
          "transfer_reference_id": "970d9av1-3m96",
          "amount": 200,
          "currency": "USD",
          "speed": "same_day",
          "source": {
              "account_reference_id": "3c0699pw4-2e4091",
              "customer_reference_id": "9rs61-917dna80"
          },
          "destination": {
              "account_reference_id": "p7db1-2n38ywn",
              "customer_reference_id": "5jd29a-ja2qof612"
          },
          "status": "failed",
          "status_reasons": [
              {
                  "destination": {
                      "reason_code": "unexpected_error",
                      "reason_code_message": "There was an unexpected error with this transfer request",
                      "network_reason_code": "IN03",
                      "network_reason_code_message": "The payment could not be processed at this time due to an unexpected error, please try again later.",
                      "network_reason_code_rail_type": "RTP"
                  },
                  "source": {
                      "reason_code": "insufficient_funds",
                      "reason_code_message": "There was not enough money available to complete the transfer request",
                      "network_reason_code": "R01",
                      "network_reason_code_message": "R01 INSUFFICENT FUNDS",
                      "network_reason_code_rail_type": "ACH"
                  }
              }
          ]
      }
  }
}

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.

Webhook example

"destination": {
        "reason_code": "notification_of_change_1",
        "reason_code_message": "Incorrect Account Number",
        "network_reason_code": "CO1",
        "network_reason_code_message": "Updated Info: 123456790",
        "network_reason_code_rail_type": "ach"
      }

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

Parameter	Details
`network_reason_code`	Nacha Correction Code (e.g. C01)
`reason_code_message`	NOC Reason Text that Orum gets from the processor (e.g. Incorrect account number)
`network_reason_code_message`	Correction 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.

Code	Message	Description
C01	Incorrect bank account number	Bank account number incorrect or formatted incorrectly
C02	Incorrect routing number	Once valid transit/routing number must be changed
C03	Incorrect transit/routing number and bank account number	Once valid transit/routing number must be changed and causes a change to bank account number structure
C04	Bank account name change	Customer has changed name or ODFI submitted name incorrectly
C05	Incorrect payment code	Entry posted to demand account should contain savings payment codes or vice versa
C06	Incorrect bank account number and transit code	Bank account number must be changed and payment code should indicate posting to another account type (demand/savings)
C07	Incorrect transit/routing number, bank account number and payment code	Changes required in three fields indicated

ACH Return Codes

Code	Category	Description	Account Type	Timeframe
R01	Standard	Insufficient Funds	Consumer/Business	2 Banking Days
R02	Administrative	Account Closed	Consumer/Business	2 Banking Days
R03	Administrative	No Account/Unable to Locate Account	Consumer/Business	2 Banking Days
R04	Administrative	Invalid Account Number	Consumer/Business	2 Banking Days
R05	Unauthorized	Unauthorized Debit to Consumer Account	Consumer	60 Calendar Days
R06	Standard	Returned per ODFI Request	Consumer/Business	Not Applicable
R07	Unauthorized	Authorization Revoked	Consumer	60 Calendar Days
R08	Standard	Payment Stopped	Consumer/Business	2 Banking Days
R09	Standard	Uncollected Funds	Consumer/Business	2 Banking Days
R10	Unauthorized	Customer Advises Unauthorized, Improper, or Ineligible	Consumer	60 Calendar Days
R11	Standard	Customer Advises Entry Not in Accordance with Terms	Consumer	60 Calendar Days
R12	Standard	Branch Sold to Another DFI	Consumer/Business	2 Banking Days
R13	Standard	RDFI Not Qualified to Participate	Consumer/Business	2 Banking Days
R14	Standard	Representative Payee Deceased or Unable to Continue	Consumer	2 Banking Days
R15	Standard	Beneficiary or Account Holder Deceased	Consumer	2 Banking Days
R16	Standard	Account Frozen	Consumer/Business	2 Banking Days
R17	Standard	File Record Edit Criteria	Consumer/Business	2 Banking Days
R18	Standard	Improper Effective Entry Date	Consumer/Business	2 Banking Days
R19	Standard	Amount Field Error	Consumer/Business	2 Banking Days
R20	Standard	Non-Transaction Account	Consumer/Business	2 Banking Days
R21	Standard	Invalid Company Identification	Business	2 Banking Days
R22	Standard	Invalid Individual ID Number	Consumer	2 Banking Days
R23	Standard	Credit Entry Refused by Receiver	Consumer/Business	2 Banking Days
R24	Standard	Duplicate Entry	Consumer/Business	2 Banking Days
R25	Standard	Addenda Error	Consumer/Business	2 Banking Days
R26	Standard	Mandatory Field Error	Consumer/Business	2 Banking Days
R27	Standard	Trace Number Error	Consumer/Business	2 Banking Days
R28	Standard	Routing Number Check Digit Error	Consumer/Business	2 Banking Days
R29	Unauthorized	Corporate Customer Advises Not Authorized	Business	2 Banking Days
R30	Standard	RDFI Not Participant in Check Truncation Program	Consumer/Business	2 Banking Days
R31	Standard	Permissible Return Entry	Business	Not Applicable
R32	Standard	RDFI Non-Settlement	Consumer/Business	2 Banking Days
R33	Standard	Return of XCK Entry	Consumer/Business	2 Banking Days
R34	Standard	Limited Participation DFI	Consumer/Business	2 Banking Days
R35	Standard	Return of Improper Debit Entry	Consumer/Business	60 Calendar Days
R36	Standard	Return of Improper Credit Entry	Consumer/Business	2 Banking Days
R37	Standard	Source Document Presented for Payment	Consumer/Business	2 Banking Days
R38	Standard	Stop Payment on Source Document	Consumer/Business	2 Banking Days
R39	Standard	Improper Source Document/Presented for Payment	Consumer/Business	2 Banking Days
R40	Standard	Return of ENR Entry by Federal Government Agency	Consumer	2 Banking Days
R41	Standard	Invalid Transaction Code	Consumer	2 Banking Days
R42	Standard	Routing Number/Check Digit Error	Consumer	2 Banking Days
R43	Standard	Invalid DFI Account Number	Consumer	2 Banking Days
R44	Standard	Invalid Individual ID Number	Consumer	2 Banking Days
R45	Standard	Invalid Individual Name	Consumer	2 Banking Days
R46	Standard	Invalid Representative Payee Indicator	Consumer	2 Banking Days
R47	Standard	Duplicate Enrollment	Consumer	2 Banking Days
R50	Standard	State Law Affecting RCK Acceptance	Consumer	60 Calendar Days
R51	Unauthorized	Item is Ineligible, Notice Not Provided, Signature Not Genuine	Consumer	60 Calendar Days
R52	Standard	Stop Payment on Item	Consumer	2 Banking Days
R53	Standard	Item and ACH Entry Presented for Payment	Consumer	2 Banking Days
R61	Standard	Misrouted Return	Consumer/Business	Not Applicable
R62	Standard	Return of Erroneous or Reversing Debit	Consumer/Business	Not Applicable
R67	Standard	Duplicate Return	Consumer/Business	Not Applicable
R68	Standard	Untimely Return	Consumer/Business	Not Applicable
R69	Standard	Field Error(s)	Consumer/Business	Not Applicable
R70	Standard	Permissible Return Entry Not Accepted	Consumer/Business	Not Applicable
R71	Standard	Misrouted Dishonored Return	Consumer/Business	Not Applicable
R72	Standard	Untimely Dishonored Return	Consumer/Business	Not Applicable
R73	Standard	Timely Original Return Not Received	Consumer/Business	Not Applicable
R74	Standard	Corrected Return	Consumer/Business	Not Applicable
R75	Standard	Return Not a Duplicate	Consumer/Business	Not Applicable
R76	Standard	No Errors Found	Consumer/Business	Not Applicable
R80	Standard	IAT Entry Coding Error	Consumer/Business	2 Banking Days
R81	Standard	Non-Participant in IAT Program	Consumer/Business	2 Banking Days
R82	Standard	Invalid Foreign RDFI Identification	Consumer/Business	2 Banking Days
R83	Standard	Foreign RDFI Unable to Settle	Consumer/Business	2 Banking Days
R84	Standard	Entry Not Processed by Gateway	Consumer/Business	2 Banking Days
R85	Standard	Incorrectly Coded Outbound International Payment	Consumer/Business	2 Banking Days

RTP Error Codes

Code	Description
AC02	Debtor account number invalid or missing.
AC03	Creditor account number invalid or missing.
AC04	Bank account closed.
AC06	Bank account blocked.
AC11	Creditor account currency invalid or missing.
AC13	Debtor account type invalid.
AC14	Creditor account type invalid.
AGNT	Incorrect Agent
AG01	Transaction forbidden.
AG03	Transaction not supported.
AM02	Transaction exceeded max allowed.
AM04	Insufficient funds.
AM09	Amount not expected.
AM11	The currency code is not supported by RTP.
AM12	Amount invalid or missing.
AM13	TCH transaction limit exceeded.
AM14	Transaction exceeds bank-client limit.
BE04	Creditor address invalid.
BE06	Unknown customer.
BE07	Debtor address invalid or missing.
BE10	Debtor country invalid or missing.
BE11	Creditor country invalid or missing.
BE14	Country code missing.
BE16	Debtor id invalid or missing.
BE17	Creditor id invalid or missing.
DS24	TCH timeout.
DT04	Future date.
DUPL	Duplicate.
DS0H	Signer not allowed for this account.
FF02	System error.
FF08	End to end ID missing or invalid.
FRTR	Final Response - Repeat attempt to prior non-response.
MD07	Deceased customer.
NARR	Detail provided.
RC01	Incorrect FI ID format.
RC02	FI ID invalid or missing.
RC03	Debtor FI ID invalid or missing.
RC04	Creditor FI ID invalid or missing.
SL03	Token service not responding.
TM01	Invalid cut off time or instruction.
TK01	Invalid token.
TK02	Sender token not found.
TK03	Receiver token not found.
TK04	Token expired.
TK05	Token mismatch.
TK06	Token value limit violation.
TK07	Token already used.
TK08	Token suspended.
UPAY	Undue Payment - Payment has been made through another payment channel.
1100	Reason not recovered by iso.
9901	IPS switch system malfunction.
9910	Instructed agent signed off.
9912	Receiving participant not available.
9914	Missing element for zelle.
9934	Instructing agent signed off.
9946	Instructing agent suspended.
9947	Instructed agent suspended.
9948	Service suspended.
9952	Incompatible message versions.
9953	Missing code ‘FULL’ (full invoice amount).
9954	Instruction from creditor missing.
9956	Instructing agent funding account suspended.
9957	Instructed agent funding account suspended.
9964	Invalid participant identification.
NOAT	Message type not supported or accepted.

FedNow Error Codes

Code	Description
AC02	Invalid debtor account.
AC03	Creditor account number invalid or missing.
AC04	Bank account closed.
AC05	Closed debtor account.
AC06	Bank account blocked.
AC07	Creditor account closed.
AC14	Creditor account type invalid or missing.
ACTC	Accepted technical validation.
ACSC	Accepted settlement completed.
ACWP	Accepted without posting.
ACCC	Accepted creditor posting completed.
ADAC	Awaiting debit auth.
AG01	Transaction forbidden.
AG03	Transaction not supported.
AGNT	Incorrect agent.
AM02	Transaction exceeded max allowed.
AM04	Insufficient funds.
AM06	Too low amount.
AM09	Amount not expected.
AM12	Amount invalid or missing.
AM13	FedNow transaction limit exceeded.
AM14	Amount exceeds agreed limit.
ARDT	Already returned.
ARRL	Awaiting reply.
BE01	Inconsistent end user.
BE04	Creditor address invalid.
BE05	Unrecognized initiating party.
BE17	Creditor id invalid or missing.
BLCK	Blocked.
CNCL	Canceled as requested.
CUST	Requested by customer.
CUTA	Upon unable to apply.
DS02	Order cancelled.
DS24	FedNow timeout.
DT01	Incorrect date.
DT24	Future date.
DUPL	Duplicate.
DS0H	Signer not allowed for this account.
E301	Report request failed.
E400	Message id does not exist.
E401	Unauthorized to send pacs028
E402	Message was not processed.
E411	Message still processing wait till timeout.
E420	Rejected control set by corespondent.
E481	Invalid dates.
E500	FedNow internal error call support center 500.
E600	Balance inquiry not allowed.
E760	Invalid response.
E890	Pending transaction status invalid.
E891	Finalized transasction status invalid.
E960	FedNow internal error call support center 960.
E970	Pending transaction status invalid.
E974	FedNow internal error call support center 974.
E980	Invalid sender service profile.
E981	Invalid receiver service profile.
E982	Missing participant profile for ct or rfp.
E983	Lm transfer out of business hours.
E984	Missing participant profile for lmt.
E990	Transaction out of limits.
E996	Reserved response timeout.
E997	Processing response timeout.
E999	Invalid future date.
F101	Entry match receiver fraud controls.
F102	Entry match sender nebative list entry.
FF02	System error.
FOCR	Following refund request.
FR01	Fraudulent payment.
FRAD	Fraudulent payment.
IDUP	Duplicate transaction.
IN02	Incorrect payment service level.
IN06	Incorrect interbank settlement amount.
IN07	Incorrect debtor.
IN08	Incorrect debtor account.
IN15	Incorrect remittance information.
IN16	Incorrect payment purpose.
IN38	Incorrect debtor address.
IN39	Incorrect creditor address.
INFO	Additional information to send.
IPAY	Accepted.
LEGL	Legal dicision.
MD07	End to end id missing or invalid.
MM20	Mismatch creditor name account.
MM21	Mismatch debtor name account.
MM25	Pending execution debtor account or identification.
MM26	Pending execution debtor name or address.
MM27	Payment executed debtor account or identification.
MM28	Payment executed debtor name or address.
MM29	Pending execution creditor account or identification.
MM30	Pending execution creditor name or address.
MM31	Payment executed creditor account or identification.
MM32	Payment executed creditor name or address.
MM35	Insufficient payment purpose.
MS02	Not specified reason customer.
MS03	Not specified reason agent.
NARR	Detail provided.
NINF	No furthor information.
NOOR	No original transaction received.
PDCR	Pending.
PDNG	Pending.
PECR	Partial refund.
PTNA	Passed to next agent.
RC01	Incorrect fi id format.
RJCR	Rejected.
RJCT	Rejected.
RQDA	Requesting debit auth.
RR04	Regulatory reason.
RUTA	Return upon unable to pay.
SVNR	Service not rendered.
T501	Message XML length exceeded.
T504	Invalid to member id.
T505	Malformed message.
T506	Invalid message definition id.
T508	Business processing date tag not allowed.
T509	Copy DUPL tag not allowed.
T510	Releated element tag not allowed.
T512	Invalid message id.
T514	Structured remittance info langth exceeded.
T515	Structured and unstructred remittance info not allowed.
T516	Invalid sending party.
T517	Duplicate message id.
T518	Missing original message id or UETR.
T519	Missing landline phone on preferred contact method.
T520	Missing mobile phone on preferred contact method.
T521	Missing email on preferred contact method.
T522	Missing reason code on rejected transaction.
T523	Invalid status code.
T524	Invalid original message name id.
T525	Invalid original interbank settlement amount format.
T526	Insufficient debtor info provided.
T527	Invalid local instrument.
T528	Invalid returned interbank settlement amount format.
T529	Invalid message signature.
T530	Invalid country code.
T531	Invalid original message name id value.
T532	Invalid interbank settlement amount format.
T533	Invalid compensation amount format.
T534	Missing transaction id or UETR.
T535	Invalid category purpose.
T536	Missing additional info for NARR.
T537	Key signature algo not supported.
T538	Account balance request invalid.
T539	Account balance request missing account type.
T540	Account report request missing connection party id.
T542	Invalid market practice id.
T543	Invalid original message date.
T544	Invalid message reference in admi007.
T545	IATR report request does not allow period or account type.
T546	AATR report request invalid account id.
T547	Invalid status code in admi007.
T548	Invalid charges amount format.
T550	Invalid RFRR status code.
T551	Invalid cancellation reason info.
T553	Propietary under reason not allowed.
T554	Invalid RFIR status code.
T555	Invalid fnclockstart format.
T556	Invalid RFIR correction txn info.
T557	End of day report request reported period missing or account type not allowed.
T558	Invalid report request message name id.
T559	Invalid expiry date for RFP.
T560	Invalid status code CT.
T561	Duplicate status reason info.
T562	Business service not allowed.
T563	Invalid status code RFI.
T565	Invalid resolution related info RFI.
T566	Invalid resolution related info RFR.
T567	Invalid original instructed amount format.
T568	Invalid instructed amount format.
T569	Invalid accepted amount format.
T570	Invalid key encoding.
T571	Invalid key algo.
T572	Invalid encoding key.
T573	Invalid key length.
T574	Invalid key fingerprint.
T575	Invalid key expiration.
T576	Duplicated.
T577	Revoke key not found.
T578	Last active key cannot be revoked.
T579	Key already revoked or expired.
T580	Future time.
T581	Missing or invalid event code.
T582	Invalid past requested execution date.
T583	Invalid expiry date before requested execution date.
T584	No conneciton points for connection party.
T600	Balance inquery service not available.
TECH	Technical problem.
UPAY	Undue payment.

Visa Chargeback Reason Codes

Code	Category	Description	Timeframe
10.1	Fraud	EMV Liability Shift Counterfeit Fraud	120 Calendar Days
10.2	Fraud	EMV Liability Shift Non-Counterfeit Fraud	120 Calendar Days
10.3	Fraud	Other Fraud - Card-Present Environment	120 Calendar Days
10.4	Fraud	Other Fraud - Card-Absent Environment	120 Calendar Days
10.5	Monitoring	Visa Fraud Monitoring Program	Varies
11.1	Authorization	Card Recovery Bulletin	120 Calendar Days
11.2	Authorization	Declined Authorization	120 Calendar Days
11.3	Authorization	No Authorization	120 Calendar Days
12.1	Processing Error	Late Presentment	120 Calendar Days
12.2	Processing Error	Incorrect Transaction Code	120 Calendar Days
12.3	Processing Error	Incorrect Currency	120 Calendar Days
12.4	Processing Error	Incorrect Account Number	120 Calendar Days
12.5	Processing Error	Incorrect Amount	120 Calendar Days
12.6.1	Processing Error	Duplicate Processing	120 Calendar Days
12.6.2	Processing Error	Paid by Other Means	120 Calendar Days
12.7	Processing Error	Invalid Data	120 Calendar Days
13.1	Consumer Dispute	Merchandise/Services Not Received	120 Calendar Days
13.2	Consumer Dispute	Cancelled Recurring Transaction	120 Calendar Days
13.3	Consumer Dispute	Not as Described or Defective Merchandise/Services	120 Calendar Days
13.4	Consumer Dispute	Counterfeit Merchandise	120 Calendar Days
13.5	Consumer Dispute	Misrepresentation	120 Calendar Days
13.6	Consumer Dispute	Credit Not Processed	120 Calendar Days
13.7	Consumer Dispute	Cancelled Merchandise/Services	120 Calendar Days
13.8	Consumer Dispute	Original Credit Transaction Not Accepted	120 Calendar Days
13.9	Consumer Dispute	Non-Receipt of Cash or Load Transaction Value	120 Calendar Days

Mastercard Chargeback Reason Codes

Code	Category	Description	Timeframe
4515	Consumer Dispute	Cardholder Denies Transaction Finalized	120 Calendar Days
4807	Authorization	Warning Bulletin File	120 Calendar Days
4808	Authorization	Requested/Required Authorization Not Obtained	120 Calendar Days
4812	Authorization	Account Number Not on File	120 Calendar Days
4831	Consumer Dispute	Disputed Amount	120 Calendar Days
4834	Processing Error	Duplicate Transaction	120 Calendar Days
4837	Fraud	No Cardholder Authorization	120 Calendar Days
4841	Consumer Dispute	Cancelled Recurring Transaction	120 Calendar Days
4842	Processing Error	Late Presentment	120 Calendar Days
4846	Processing Error	Correct Transaction Currency Code Not Provided	120 Calendar Days
4849	Fraud	Questionable Merchant Activity	120 Calendar Days
4853	Consumer Dispute	Cardholder Dispute: Defective/Not as Described	120 Calendar Days
4854	Consumer Dispute	Cardholder Dispute: Not Elsewhere Classified (U.S.)	120 Calendar Days
4855	Consumer Dispute	Goods or Services Not Delivered	120 Calendar Days
4859	Consumer Dispute	Services Not Rendered	120 Calendar Days
4860	Consumer Dispute	Credit Not Received	120 Calendar Days
4863	Fraud	Cardholder does Not Recognize: Potential Fraud	120 Calendar Days
4870	Fraud	Chip Liability Shift	120 Calendar Days
4871	Fraud	Chip/Pin Liability Shift	120 Calendar Days
4999	Regional Dispute	Domestic Chargeback Dispute (Europe Region Only)	120 Calendar Days

GETTING STARTED

DELIVER

VERIFY

MONITOR

Status Reasons

Return Reason Codes

Notification of Change (NOC)

NOC Reason Codes

ACH Return Codes

RTP Error Codes

FedNow Error Codes

Visa Chargeback Reason Codes

Mastercard Chargeback Reason Codes

​Status Reasons

​Return Reason Codes

​Notification of Change (NOC)

​NOC Reason Codes

​ACH Return Codes

​RTP Error Codes

​FedNow Error Codes

​Visa Chargeback Reason Codes

​Mastercard Chargeback Reason Codes

Status Reasons

Return Reason Codes

Notification of Change (NOC)

NOC Reason Codes

ACH Return Codes

RTP Error Codes

FedNow Error Codes

Visa Chargeback Reason Codes

Mastercard Chargeback Reason Codes