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
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
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
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_routing	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
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

{
  "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": "AM04",
                      "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.

"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

Card Chargeback Network Reasons

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

Card Chargeback Network Reasons

Visa Chargeback Reason Codes

Mastercard Chargeback Reason Codes

GETTING STARTED

DELIVER

VERIFY

MONITOR

​Status Reasons

​Return Reason Codes

​Notification of Change (NOC)

​NOC Reason Codes

​ACH Return Codes

​Card Chargeback Network Reasons

​Visa Chargeback Reason Codes

​Mastercard Chargeback Reason Codes

Status Reasons

Return Reason Codes

Notification of Change (NOC)

NOC Reason Codes

ACH Return Codes

Card Chargeback Network Reasons

Visa Chargeback Reason Codes

Mastercard Chargeback Reason Codes