Appendix G

Banking Codes in the Payment Events Report

CyberSource includes banking codes in the processor message field in the Payment Events Report. For direct debit reversals, Global Collect processors return a banking reversal code. For electronic check debit reversals, CyberSource ACH Service returns a banking reason code.

Table 89 describes the possible values for the Global Collect banking reversal codes.

Table 90 describes the possible values for the CyberSource ACH Service banking return reason codes.

For more information, see these sections:

Payment Events Report

XML format on this page

CSV format on this page

Global Collect direct debit reversals

Direct debits chapter in the Global Payment Service Planning and User's Guide

**Table 89** Global Collect Banking Reversal Codes
Code	Description
1	Invalid account identification. The account ID is not formatted according to the country-specific format requirements, or the account does not exist anymore, or the account has been closed.
3	Invalid account type. The debit account exists but is not suited for direct debits. The debtor must issue a new authorization for a suitable account.
4	Blocked or closed account. The debit account is blocked for direct debits.
5	Authorization missing. The debit bank does not have a valid authorization.
6	Authorization cancelled. The authorization was withdrawn.
7	Insufficient funds. The direct debit payment was not processed because of insufficient funds.
8	Direct debit disputed. The direct debit payment was reversed at the request of the account holder.
9	Refused by bank. The direct debit payment was rejected by the bank. The bank did not provide any information about why the payment was rejected.
10	Name/number do not match. The account number and named account holder do not match.
11	No details given. If you have any questions, please contact your account manager.
85	Invalid or empty account.
86	Invalid or empty check digit.
X	The banking reversal code starts with an "X" if your bank became aware of the direct debit reversal before settlement. When this happens, neither the direct debit nor the reversal appears in the Remittance Report. You might be charged a returned item fee for the reversal.

This table describes the possible values for the CyberSource ACH Service return reason codes.

Table 90 CyberSource ACH Service Return Reason Codes
Code	Description
R01	NSF. Insufficient funds.
R02	Declined. Account closed.
R03	Declined. No account/unable to locate account.
R04	Declined. Invalid account number.
R05	Stop Payment. Unauthorized debit to consumer account using corporate SEC code.
R06	Declined. Returned per ODFI's request.
R07	Stop Payment. Authorization revoked by Customer.
R08	Stop Payment. Payment stopped.
R09	NSF. Uncollected funds.
R10	Stop Payment. Customer advises not authorized, notice not provided, improper source document, or amount of entry not accurately obtained from source document.
R11	Declined. Check truncation entry returned. Message appended from receiver’s bank.
R12	Declined. Account sold to another DFI.
R13	Declined. Invalid ACH routing number.
R14	Declined. Representative payee deceased or unable to continue in that capacity.
R15	Declined. Beneficiary or account holder (other than a representative payee) deceased.
R16	Declined. Account frozen.
R17	Declined. Message appended from receiver’s bank.
R18	Error. Improper effective entry date.
R19	Error. Amount field error: a prenote's amount is not zero, or a nonprenote item's amount is zero; amount is greater than $25,000.
R20	Stop Payment. Non-Transaction Account.
R21	Error. Invalid company identification.
R22	Error. Invalid individual ID number.
R23	Declined. Credit entry refused by receiver.
R24	Error. Duplicate entry.
R25	Error. Addenda record error.
R26	Error. Mandatory field error.
R27	Error. Trace number error.
R28	Error. Routing number check digit error.
R29	Stop Payment. Corporate customer advises not authorized.
R30	Declined. RDFI not participant in check truncation program.
R31	Declined. Permissible return entry.
R32	Declined. RDFI non-settlement.
R33	Declined. Return of XCK entry.
R34	Declined. Limited participation DFI.
R35	Declined. Return of improper debit entry.
R36	Declined. Return of improper credit entry.
R37	Declined. Source document presented for payment.
R38	Stop Payment. Stop payment on source document.
R39	Declined. Improper source document.
R40	Declined. Return of ENR entry by federal government agency.
R41	Error. Invalid transaction code.
R42	Error. Routing or transit number check digit error.
R43	Error. Invalid account number.
R44	Error. Invalid individual ID number.
R45	Error. Invalid individual name or company name.
R46	Error. Invalid representative payee indicator.
R47	Error. Duplicate enrollment.
R50	Declined. State law affecting RCK acceptance.
R51	Declined. Item is ineligible, notice not provided, signature not genuine, or item altered.
R52	Stop Payment. Stop Payment on Item.
R53	Declined. Item and ACH entry presented for payment.
R62	Error. Incorrect trace number.
R63	Error. Incorrect dollar amount.
R64	Error. Incorrect individual identification.
R65	Error. Incorrect transaction code.
R66	Error. Incorrect company identification.
R71	Declined. Misrouted dishonored return.
R72	Declined. Untimely dishonored return.
R73	Declined. Timely original return.
R74	Declined. Corrected return.
R75	Declined. Original return not a duplicate.
R76	Declined. No errors found.
R80	Error. Cross-Border Payment Coding Error.
R81	Declined. Non-Participant in Cross-Border Program.
R82	Error. Invalid Foreign Receiving DFI Identification.
R83	Error. Foreign Receiving DFI Unable to Settle.
R84	Declined. Cross-border entry not processed by originating gateway operator.
R94	Declined. Administrative return item was processed and resubmitted as a photocopy.
R95	Declined. Administrative return item was processed and resubmitted as MICR-Split.
R97	Declined. Administrative return item was processed and resubmitted with corrected dollar amount.
R98	Declined. Indicates a returned PAC (pre-authorized check).
R99	Declined. Indicates a returned PAC (pre-authorized check).