| AB01 | Aborted Clearing Timeout. Legacy RFI timeout. |
| AB05 | Timeout Creditor Agent.Transaction stopped due to timeout at the Creditor Agent. |
| AB06 | Timeout Instructed Agent. Transaction stopped due to timeout at the Instructed Agent. |
| AB08 | Offline Creditor Agent. CA/SA is down. |
| AB09 | Error Creditor Agent. No response from CA/SA. |
| AC01 | Incorrect Account Number. No record on file. Used if the account type is valid but the destination account number does not exist in the RFI’s system. Used by IPS when the format of the sending account number specified is not correct (due to hybrid scenario). |
| AC03 | Invalid Creditor Account Number. No activity allowed against the account; Invalid transaction because the target account does not allow peso payment or transfer credits, i.e. Destination account is a time deposit, dollar account, treasury account, trust fund account, investment account and the like. Used by IPS when the format of the receiving account. |
| AC04 | Closed Account Number. Account status is closed. Used when the destination account has a status that prevents it from accepting credits to the account such as Post No Credit status. |
| AC06 | Blocked Account |
| AC07 | Closed Creditor Account Number |
| AC12 | Invalid Account Type. Account type missing or invalid. Generic usage if cannot specify between group and payment information levels. |
| AC14 | Invalid Creditor Account Type. Creditor account type missing or invalid. Proxy notify flag for QR transactions. |
| AG01 | Transaction Forbidden. RFI not allowed as recipient for Instapay. RFI is signed off in Instapay . |
| AG03 | Transaction Not Supported. |
| AM02 | Not Allowed Amount. Exceeds Instapay amount limit (global for all payment type). |
| AM04 | Insufficient Funds. Insufficient SSA Balance. |
| AM06 | Too Low Amount |
| AM07 | Blocked Amount |
| AM09 | Wrong Amount. Amount is not the amount agreed or expected. |
| AM11 | Invalid Transaction Currency |
| AM12 | Invalid Amount Amount is invalid or missing. If the amount in header is different from body. |
| AM13 | Amount Exceeds Clearing System Limit Exceeds Instapay amount limit (Per payment type) |
| AM14 | Amount Exceeds Agreed Limit |
| AM21 | Limit Exceeded |
| BE05 | Unrecognised Initiating Party .Invalid Issuer .Sending BIN not yet defined |
| BE15 | Invalid Identification Code. Invalid Subscriber Account Number. Applicable to P2B transactions only. |
| BE16 | Invalid Debtor Identification Code. Debtor or Ultimate Debtor identification code missing or invalid. |
| BE17 | Invalid Creditor Identification Code. Invalid Biller ID. Creditor or Ultimate Creditor identification code missing or invalid. Applicable to P2B transactions only |
| DS04 | Order Rejected. Order cancelled by RFI due to business decision / rule |
| DS0D | Signer Certificate Not Valid. The signer certificate is not valid (revoked or not active). |
| DS0H | Not Allowed Account. Signer is not allowed to sign for this account. |
| DS24 | Time Out. Cancellation requested because the original payment order expired due to time-out. No response from ISO20022 RFI |
| DT04 | Future Date Not Supported |
| DT05 | Invalid Cut Off Date |
| DT06 | Execution Date Changed |
| DU03 | Duplicate Transaction |
| DUPL | Duplicate Payment. Duplicate transaction (same Sender's identification BIC/Bankcode, transaction date and invoice number). |
| FF01 | Invalid File Format. Applicable to IST receivers when there's synchronization error . |
| FF02 | Syntax Error |
| FF05 | Invalid Local Instrument Code. Not supported transaction. Used when the recipient account type and number are valid but are restricted by the RFI due to product decisions, or is not allowed to receive credit due to RFI system limitations (no access to host system, etc.) . |
| FF10 | Bank System Processing Error |
| NARR | Narrative. Non standard code from Legacy participant. |
| RC01 | Bank Identifier Incorrect. Bank Identifier code specified in the message has an incorrect format (formerly Incorrect Format For Routing Code). |
| RC02 | Invalid Bank Identifier |
| RC03 | Invalid Debtor Bank Identifier. Debtor bank identifier is invalid or missing. |
| RC04 | Invalid Creditor Bank Identifier. Invalid Receiving bank code. Creditor bank identifier is invalid or missing. |
| RR09 | Invalid Structured Creditor Reference. Invalid Customer no. Structured creditor reference invalid or missing. |
| TA01 | Transmission Aborted. Applicable to IST receivers when MAC validation fails and rejected by IPS. |
| TA01 | Transmission Aborted .Applicable to IST receivers when there's HSM error between IPS and IST. |
| TD03 | Incorrect File Structure |
| TM01 | Cut Off Time. Unable to process due to cutoff processing of RFI. |
| 9909 | RTP Switch is down. IPS Switch system malfunction. |
| 9910 | RFI/Receiver is signed off from IPS RFI has signed off from IPS. Sign-off restricts the participant from sending or receiving messages through IPS System. |
| 9912 | Recipient (RTP) connection is not available |
| 9913 | Recipient (IST) connection is not available |
| 9934 | OFI/Sender is signed off from IPS. ign-off restricts the participant from sending or receiving messages through IPS System. |
| 9946 | OFI/Sender fully suspended. Suspension restricts the participant from sending or receiving messages through IPS system. |
| 9947 | RFI/Receiver fully suspended. Suspension restricts the participant from sending or receiving messages through IPS system. |
| 9948 | Instapay IPS Service suspended |
| 9955 | OFI/Sender not authorised to send business message |