generated: '2026-09-05' method: searched source: https://developer.citi.com/apidocs/outgoing-payments/express-instant-payments/express-instant-payments-error-codes and https://developer.citi.com/apidocs/accept-payments/online-payment-acceptance/online-payment-acceptance-error-codes — Citi publishes both reference tables at developer.citi.com; read 2026-09-05 applies_to: Citi payment initiation, instant/express payments, payment acceptance, direct debit and Request to Pay surfaces envelope: field: reasonCode note: The reason code is returned in reasonCode on the JSON express-payments surface and inside the ISO 20022 status report (pain.002 / pacs.002, TxInfAndSts.StsRsnInf.Rsn.Cd) on the XML payment surfaces. NARR carries free-text narrative in StsRsnInf.AddtlInf when no coded reason applies. status_field: transaction status — ACCC (settled on creditor account), ACWP (accepted without posting), PDNG (deemed approved, final status awaited), RJCT (rejected) code_system: ISO 20022 External Return Reason Codes, extended with local clearing-scheme code sets code_families: - prefix: AB meaning: Agent / bank availability and timeouts - prefix: AC meaning: Account number, type, currency and status - prefix: AG meaning: Agent agreement and transaction-type permissions - prefix: AM meaning: Amount, limits and control sums - prefix: BE meaning: Party identification, name, address and country - prefix: CH meaning: Character set, element usage and mandate change rules - prefix: DS meaning: Electronic signature and certificate validation (EBICS-style) - prefix: DT meaning: Dates and cut-offs - prefix: DU meaning: Duplicate identifiers - prefix: FF meaning: File format, syntax and codeword validity - prefix: MD meaning: Mandate and direct debit collection - prefix: RC meaning: Routing codes, BIC and clearing-system member identification - prefix: RR meaning: Regulatory and remittance information - prefix: SL meaning: Service level, whitelists and blacklists - prefix: TK meaning: Token validation (tokenised payments) - prefix: XD / XT meaning: Local scheme codes (SCT Inst and market-specific) - prefix: four-letter meaning: ISO status and narrative codes — ACCC, ACWP, PDNG, RJCT, DUPL, NARR, FRAD, TECH, CUST, UPAY, plus the Request to Pay set (ALAC, APAR, ARFR, ARJR, AEXR, NOAR, NRCH, RTNS, SPII) decline_codes: - code: AB01 meaning: Timeout of wait time from clearing. Please retry. - code: AB02 meaning: Beneficiary bank declined transaction due to error. - code: AB03 meaning: Remitter bank issue. Please retry. - code: AB04 meaning: Bank forced offline. Please retry. - code: AB05 meaning: Beneficiary account number invalid. - code: AB06 meaning: TimeoutInstructedAgent - code: AB07 meaning: OfflineAgent - code: AB08 meaning: Beneficiary bank is currently offline. Please retry. - code: AB09 meaning: Beneficiary bank declined transaction. Please retry. - code: AB10 meaning: ErrorInstructedAgent - code: AB11 meaning: TimeoutDebtorAgent - code: AC01 meaning: IncorrectAccountNumber - code: AC02 meaning: Beneficiary bank declined transaction due to invalid remitter account number. - code: AC03 meaning: Beneficiary account limit reached. Please retry. - code: AC04 meaning: Account number specified has been closed on the bank of account’s books. - code: AC05 meaning: ClosedDebtorAccountNumber - code: AC06 meaning: Beneficiary account is of type NRE and cannot receive funds. - code: AC07 meaning: Creditor account number closed - code: AC08 meaning: InvalidBranchCode - code: AC09 meaning: InvalidAccountCurrency - code: AC10 meaning: Debtor account currency is invalid or missing - code: AC11 meaning: Creditor account currency is invalid or missing - code: AC12 meaning: InvalidAccountType - code: AC13 meaning: Debtor account type missing or invalid - code: AC14 meaning: Beneficiary bank responded with beneficiary account closed. - code: AC15 meaning: AccountDetailsChanged - code: AC16 meaning: CardNumberInvalid - code: ACCC meaning: Settlement on the creditor's account has been completed. - code: ACWP meaning: Unable to process. Please retry. - code: AEXR meaning: AlreadyExpiredRTP - code: AG01 meaning: Transaction forbidden on this type of account (formerly NoAgreement) - code: AG02 meaning: InvalidBankOperationCode - code: AG03 meaning: Transaction type is not supported. - code: AG04 meaning: InvalidAgentCountry - code: AG05 meaning: InvalidDebtorAgentCountry - code: AG06 meaning: InvalidCreditorAgentCountry - code: AG07 meaning: UnsuccesfulDirectDebit - code: AG08 meaning: Clearing responded with Credentials not present. - code: AG09 meaning: PaymentNotReceived - code: AG10 meaning: AgentSuspended - code: AG11 meaning: CreditorAgentSuspended - code: AG12 meaning: NotAllowedBookTransfer - code: AG13 meaning: ForbiddenReturnPayment - code: AGNT meaning: Incorrect Agent - code: ALAC meaning: AlreadyAcceptedRTP - code: AM01 meaning: ZeroAmount - code: AM02 meaning: Payment request invalid. - code: AM03 meaning: NotAllowedCurrency - code: AM04 meaning: Suspected fraud, decline transactions declined basis risk score. - code: AM05 meaning: Duplication - code: AM06 meaning: TooLowAmount - code: AM07 meaning: BlockedAmount - code: AM09 meaning: Beneficiary bank rejected with reason 'Transaction amount exceeds limits'. - code: AM10 meaning: InvalidControlSum - code: AM11 meaning: Transaction currency is invalid or missing - code: AM12 meaning: Amount is invalid or missing - code: AM13 meaning: Amount less than INR 1 not allowed under IMPS. - code: AM14 meaning: Transaction amount exceeds limits agreed between bank and client - code: AM15 meaning: Beneficiary bank limit with Clearing / NPCI exceeded. - code: AM16 meaning: InvalidGroupControlSum - code: AM17 meaning: InvalidPaymentInfoControlSum - code: AM18 meaning: InvalidNumberOfTransactions - code: AM19 meaning: InvalidGroupNumberOfTransactions - code: AM20 meaning: InvalidPaymentInfoNumberOfTransactions - code: AM21 meaning: LimitExceeded - code: AM22 meaning: ZeroAmountNotApplied - code: AM23 meaning: RISK THRESHOLD EXCEEDED. - code: APAR meaning: AlreadyPaidRTP - code: ARFR meaning: AlreadyRefusedRTP - code: ARJR meaning: AlreadyRejectedRTP - code: ATNS meaning: AttachementsNotSupported - code: AXER meaning: Already Expired RTP - code: BE01 meaning: InconsistenWithEndCustomer - code: BE05 meaning: UnrecognisedInitiatingParty - code: BE06 meaning: End customer specified is not known at associated Sort/National Bank Code or does no longer exist in the books - code: BE07 meaning: Specification of debtor’s address, which is required for payment, is missing/not correct - code: BE08 meaning: Debtor name is invalid - code: BE09 meaning: InvalidCountry - code: BE10 meaning: Debtor country code is missing or invalid - code: BE11 meaning: Creditor country code is missing or invalid - code: BE12 meaning: InvalidCountryOfResidence - code: BE13 meaning: Country code of debtor’s residence is missing or Invalid - code: BE14 meaning: Country code of creditor’s residence is missing or Invalid - code: BE15 meaning: InvalidIdentificationCode - code: BE16 meaning: Debtor identification code missing or invalid - code: BE17 meaning: Creditor identification code missing or invalid - code: BE18 meaning: InvalidContactDetails - code: BE19 meaning: InvalidChargeBearerCode - code: BE20 meaning: InvalidNameLength - code: BE21 meaning: MissingName - code: BE22 meaning: Creditor name is missing - code: BE23 meaning: AccountProxyInvalid - code: BLCK meaning: Transaction is blocked in accordance with U.S. Sanctions. - code: CERI meaning: RequestedExecutionDateOrRequestedCollectionDateTooFarInFuture - code: CH03 meaning: RequestedExecutionDateOrRequestedCollectionDateTooFarInFuture - code: CH04 meaning: RequestedExecutionDateOrRequestedCollectionDateTooFarInPast - code: CH07 meaning: ElementIsNotToBeUsedAtB-andC-Level - code: CH09 meaning: MandateChangesNotAllowed - code: CH10 meaning: InformationOnMandateChangesMissing - code: CH11 meaning: CreditorIdentifierIncorrect - code: CH12 meaning: CreditorIdentifierNotUnambiguouslyAtTransaction-Level - code: CH13 meaning: OriginalDebtorAccountIsNotToBeUsed - code: CH14 meaning: OriginalDebtorAgentIsNotToBeUsed - code: CH15 meaning: ElementContentIncludesMoreThan140Characters - code: CH16 meaning: Invalid transaction. Please retry. - code: CH17 meaning: ElementNotAdmitted - code: CH19 meaning: ValuesWillBeSetToNextTARGETday - code: CH20 meaning: DecimalPointsNotCompatibleWithCurrency - code: CH22 meaning: COREandB2BwithinOnemessage - code: CHQC meaning: ChequeSettledOnCreditorAccount - code: CN01 meaning: AuthorisationCancelled - code: CNOR meaning: Bank is not registered. - code: CURR meaning: IncorrectCurrency - code: CUST meaning: Requested by Customer - Cancellation requested by the Debtor due to Debtor's mistake or error. May be used for RFP as well from the Creditor standpoin - code: DC02 meaning: SettlementNotReceived - code: DNOR meaning: DebtorBankIsNotRegistered - code: DS01 meaning: ElectronicSignaturesCorrect - code: DS02 meaning: OrderCancelled - code: DS03 meaning: OrderNotCancelled - code: DS04 meaning: OrderRejected - code: DS05 meaning: OrderForwardedForPostprocessing - code: DS06 meaning: TransferOrder - code: DS07 meaning: ProcessingOK - code: DS08 meaning: DecompressionError - code: DS09 meaning: DecryptionError - code: DS10 meaning: Signer1CertificateRevoked - code: DS11 meaning: Signer1CertificateNotValid - code: DS12 meaning: IncorrectSigner1Certificate - code: DS13 meaning: SignerCertificationAuthoritySigner1NotValid - code: DS14 meaning: UserDoesNotExist - code: DS15 meaning: IdenticalSignatureFound - code: DS16 meaning: PublicKeyVersionIncorrect - code: DS17 meaning: DifferentOrderDataInSignatures - code: DS18 meaning: RepeatOrder - code: DS19 meaning: ElectronicSignatureRightsInsufficient - code: DS20 meaning: Signer2CertificateRevoked - code: DS21 meaning: Signer2CertificateNotValid - code: DS22 meaning: IncorrectSigner2Certificate - code: DS23 meaning: SignerCertificationAuthoritySigner2NotValid - code: DS24 meaning: Waiting time expired due to incomplete order - code: DS25 meaning: OrderFileDeleted - code: DS26 meaning: UserSignedMultipleTimes - code: DS27 meaning: UserNotYetActivated - code: DT01 meaning: InvalidDate - code: DT02 meaning: InvalidCreationDate - code: DT03 meaning: InvalidNonProcessingDate - code: DT04 meaning: Future date not supported - code: DT05 meaning: InvalidCutOffDate - code: DT06 meaning: ExecutionDateChanged - code: DU01 meaning: DuplicateMessageID - code: DU02 meaning: DuplicatePaymentInformationID - code: DU03 meaning: Transaction ID is mismatched. - code: DU04 meaning: DuplicateEndToEndID - code: DU05 meaning: DuplicateInstructionID - code: DUPL meaning: Transaction is a duplicate. - code: ED01 meaning: CorrespondentBankNotPossible - code: ED03 meaning: BalanceInfoRequest - code: ED05 meaning: Invalid response code received. Please retry. - code: ED06 meaning: SettlementSystemNotAvailable - code: EDTL meaning: ExpiryDateTooLong - code: EDTR meaning: ExpiryDateTimeReached - code: ERIN meaning: ERIOptionNotSupported - code: FF01 meaning: InvalidFileFormat - code: FF02 meaning: Syntax error reason is provided as narrative information in the additional reason information. - code: FF03 meaning: Beneficiary bank unable to identify payment reference and declined transaction. - code: FF04 meaning: InvalidServiceLevelCode - code: FF05 meaning: InvalidLocalInstrumentCode - code: FF06 meaning: InvalidCategoryPurposeCode - code: FF07 meaning: InvalidPurpose - code: FF08 meaning: Transaction ID not present. - code: FF09 meaning: InvalidChequeNumber - code: FF10 meaning: BankSystemProcessingError - code: FF11 meaning: ClearingRequestAborted - code: FF12 meaning: OriginalTransactionNotEligibleForRequestedReturn - code: FF13 meaning: RequestForCancellationNotFound - code: FOCR meaning: FollowingCancellationRequest - code: FR01 meaning: NotCompliantGeneric - code: FRAD meaning: FraudulentOrigin - Customer claims Credit Transfer . - code: FRTR meaning: FinalResponse - Repeat attempt to prior non-response. . - code: ID01 meaning: CorrespondingOriginalFileStillNotSent - code: IEDT meaning: IncorrectExpiryDateTime - code: IRNR meaning: Initial request to credit not found by downstream participant. - code: MD01 meaning: NoMandate - code: MD02 meaning: MissingMandatoryInformationInMandate - code: MD05 meaning: CollectionNotDue - code: MD06 meaning: RefundRequestByEndCustomer - code: MD07 meaning: End customer is deceased. - code: MS01 meaning: Reason not specified - code: MS02 meaning: NotSpecifiedReasonCustomerGenerated - code: MS03 meaning: NotSpecifiedReasonAgentGenerated - code: NERI meaning: BankIdentifierIncorrect - code: NOAR meaning: NonAgreedRTP - code: NOAS meaning: No response from Beneficiary. Please retry. - code: NOAT meaning: Receiving Customer Account does not support/accept this message type. - code: NOCM meaning: NotCompliantGeneric - code: NOPG meaning: NoPaymentGuarantee - code: NRCH meaning: PayerOrPayerRTPSPNotReachable - code: PDNG meaning: Transaction is Deemed Approved. Final status awaited. - code: PINS meaning: TypeOfPaymentInstrumentNotSupported - code: PM27 meaning: TRANSACTION TYPE NOT SUPPORTED - code: PY01 meaning: Unknown BIC in routing table - code: PY03 meaning: Unknown BIC in TIPS Directory - code: RC01 meaning: Bank identifier code specified in the message has an incorrect format (formerly IncorrectFormatForRoutingCode). - code: RC02 meaning: Bank identifier is invalid or missing. - code: RC03 meaning: Debtor FI identifier is invalid or missing - code: RC04 meaning: Transaction cannot be routed to beneficiary bank. - code: RC05 meaning: InvalidBICIdentifier - code: RC06 meaning: InvalidDebtorBICIdentifier - code: RC07 meaning: InvalidCreditorBICIdentifier - code: RC08 meaning: Insufficient balance in Benefiary Bank Pool a/c for settelement. - code: RC09 meaning: InvalidDebtorClearingSystemMemberIdentifier - code: RC10 meaning: InvalidCreditorClearingSystemMemberIdentifier - code: RC11 meaning: InvalidIntermediaryAgent - code: RC12 meaning: MissingCreditorSchemeId - code: RCON meaning: RMessageConflict - code: RECI meaning: ReceiverCustomerInformation - code: REPR meaning: RTPReceivedCanBeProcessed - code: RF01 meaning: NotUniqueTransactionReference - code: RJCT meaning: Invalid amount field. Please recheck amount as per IMPS limits and retry. - code: RR01 meaning: MissingDebtorAccountOrIdentification - code: RR02 meaning: MissingDebtorNameOrAddress - code: RR03 meaning: MissingCreditorNameOrAddress - code: RR04 meaning: RegulatoryReason - code: RR05 meaning: RegulatoryInformationInvalid - code: RR06 meaning: TaxInformationInvalid - code: RR07 meaning: Validation failure received for transaction message. - code: RR08 meaning: RemittanceInformationTruncated - code: RR09 meaning: InvalidStructuredCreditorReference - code: RR10 meaning: InvalidCharacterSet - code: RR11 meaning: InvalidDebtorAgentServiceID - code: RR12 meaning: InvalidPartyID - code: RTNS meaning: RTPNotSupportedForDebtor - code: RUTA meaning: ReturnUponUnableToApply - code: SEPA meaning: Not Allowed Amount - code: SL01 meaning: SpecificServiceOfferedByDebtorAgent - code: SL02 meaning: SpecificServiceOfferedByCreditorAgent - code: SL03 meaning: ServiceofClearingSystem - code: SL11 meaning: CreditorNotOnWhitelistOfDebtor - code: SL12 meaning: CreditorOnBlacklistOfDebtor - code: SL13 meaning: MaximumNumberOfDirectDebitTransactionsExceeded - code: SL14 meaning: MaximumDirectDebitTransactionAmountExceeded - code: SPII meaning: RTPServiceProviderIdentifierIncorrect - code: TA01 meaning: TransmissonAborted - code: TD01 meaning: NoDataAvailable - code: TD02 meaning: FileNonReadable - code: TD03 meaning: IncorrectFileStructure - code: TECH meaning: TechnicalProblem - Debtor FI experienced a technical issue that resulted in a misdirected payment . - code: TK01 meaning: TokenInvalid - code: TK02 meaning: SenderTokenNotFound - code: TK03 meaning: ReceiverTokenNotFound - code: TK09 meaning: TokenMissing - code: TKCM meaning: TokenCounterpartyMismatch - code: TKSG meaning: TokenSingleUse - code: TKSP meaning: TokenSuspended - code: TKVE meaning: TokenValueLimitExceeded - code: TKXP meaning: TokenExpired - code: TM01 meaning: Invalid Cut Off Time - code: TS01 meaning: TransmissionSuccessful - code: TS04 meaning: TransferToSignByHand - code: UCRD meaning: UnknownCreditor - code: UPAY meaning: UnduePayment - Payment has been made through another payment channel (for Request for Payment expiry) or the Participant is initiating an RFP warranty - code: XD19 meaning: Invalid IBAN format - code: XD20 meaning: Invalid Account Number - code: XD21 meaning: Invalid Account Owner - code: XT10 meaning: Transaction inflight - code: XT13 meaning: Unsupported XML field - code: XT33 meaning: Invalid data format - code: XT73 meaning: Invalid country code - code: XT77 meaning: Original Amount mismatch - code: XT81 meaning: Field not Permitted in SCT Inst Service - code: XT87 meaning: Inconsistent Instructing Agent - code: XT90 meaning: Invalid use of a Technical BIC decline_code_count: 272 masked_to_buyers: note: Citi does not publish a masking policy for these codes. Several are explicitly narrative-suppressing by design — MS01 "Reason not specified", MS02 NotSpecifiedReasonCustomerGenerated, MS03 NotSpecifiedReasonAgentGenerated — and AM04 is returned for suspected fraud/risk-score declines, where the underlying reason is deliberately not disclosed. Treat MS01/MS02/MS03 and AM04 as intentionally opaque rather than as missing data. local_code_sets: - scheme: Australia (NPP / direct entry) note: A separate AU reason table is published in the Online Payment Acceptance error reference. - scheme: TCH RTP (US real-time payments) note: TCH code table published, covering participant suspension, switch malfunction and proxy identification. - scheme: India IMPS / NPCI note: Codes such as AM13 (amount less than INR 1 not allowed under IMPS) and AM15 (beneficiary bank limit with Clearing / NPCI exceeded). - scheme: Brazil PIX (BACEN) note: Field-level validation table published separately for cob, cobv, rec and solicRec resources. note: '7 codes appear in the published tables under a "Local Code" placeholder rather than a description and are recorded above without a meaning: XD22, XT04, XT06, XT75, XT79, XT80, XT83.'