generated: '2026-09-05'
method: searched
source: https://developer.citizensbank.com/content/qut/CitizensPaymentAPIUserGuide.pdf (v1.3, updated 2025-12-11)
  section 6.4 "RTP Reject Codes".
provider: Citizens Financial Group
providerId: citizens-financial-group
applies_to: Payments API v3 - RTP rail only. ACH returns are not exposed as a code list in the published contract.
delivery:
  operation: retrievePaymentStatus (POST /v3/payments/payment-status/query)
  envelope_fields:
  - paymentStatus (RECEIVED | IN_PROGRESS | COMPLETED | REJECTED | EXPORTED | ACKNOWLEDGED)
  - rejectCode
  - rejectDescription
  - bankReferenceNumber
  - networkInstructionId
  note: For RTP the final accept/reject outcome is NOT available from the initiate-payment response; a subsequent
    payment-status query is required. Example rejectCode published in the OpenAPI is PMT2005 "Debtor account type
    invalid".
masked_to_buyers: Not applicable / not published. Citizens does not document any code that is withheld from the
  API consumer; the reject code and description are returned verbatim on the payment status response.
standard:
  name: ISO 20022 external payment status reason codes
  note: The majority of these codes (AC02/AC03/AC04/AC06/AC11/AC13/AC14, AG01/AG03, AM02-AM14, BE04-BE17, DS04/DS24,
    DT04, DUPL, FF02/FF08, MD07, NARR, RC01-RC04, TM01) are ISO 20022 ExternalStatusReason1Code values carried through
    The Clearing House RTP network. Citizens mixes them with network-specific numeric codes (650, 690, 9909-9964)
    and its own TK/GF/RF prefixes.
decline_code_count: 85
decline_codes:
- code: TECH
  meaning: Technical Error
  action: Transient or malformed-message condition; retry, and escalate to Citizens Client Services if it persists.
  iso20022_external_reason_code: true
- code: NSF
  meaning: Turn Down/Insufficient originator funds (NSF)
  action: Do not retry as-is; the originator has insufficient funds. Fund the account and re-submit under a new
    paymentId.
  iso20022_external_reason_code: false
- code: AC02
  meaning: Debtor account number is invalid
  action: Correct the named field and re-submit under a new paymentId.
  iso20022_external_reason_code: true
- code: AC03
  meaning: Creditor account number is invalid
  action: Correct the named field and re-submit under a new paymentId.
  iso20022_external_reason_code: true
- code: AC04
  meaning: Creditor account number is closed
  action: Do not retry; the counterparty account cannot receive the payment. Contact the payee.
  iso20022_external_reason_code: true
- code: AC06
  meaning: Creditor account number is blocked
  action: Do not retry; the counterparty account cannot receive the payment. Contact the payee.
  iso20022_external_reason_code: true
- code: AC11
  meaning: Creditor account currency is invalid or missing
  action: Correct the named field and re-submit under a new paymentId.
  iso20022_external_reason_code: true
- code: AC13
  meaning: Debtor account type invalid
  action: Correct the named field and re-submit under a new paymentId.
  iso20022_external_reason_code: true
- code: AC14
  meaning: Creditor account type invalid
  action: Correct the named field and re-submit under a new paymentId.
  iso20022_external_reason_code: true
- code: AG01
  meaning: Transaction type not supported by FI
  action: See the additional information field on the payment status response.
  iso20022_external_reason_code: true
- code: AG03
  meaning: Transaction type not supported by FI
  action: See the additional information field on the payment status response.
  iso20022_external_reason_code: true
- code: AGNT
  meaning: Network Technical Error
  action: Transient or malformed-message condition; retry, and escalate to Citizens Client Services if it persists.
  iso20022_external_reason_code: true
- code: AM02
  meaning: Network Technical Error
  action: Transient or malformed-message condition; retry, and escalate to Citizens Client Services if it persists.
  iso20022_external_reason_code: true
- code: AM04
  meaning: Network Technical Error
  action: Transient or malformed-message condition; retry, and escalate to Citizens Client Services if it persists.
  iso20022_external_reason_code: true
- code: AM09
  meaning: Amount received is not the amount agreed or expected
  action: See the additional information field on the payment status response.
  iso20022_external_reason_code: true
- code: AM12
  meaning: Network Technical Error
  action: Transient or malformed-message condition; retry, and escalate to Citizens Client Services if it persists.
  iso20022_external_reason_code: true
- code: AM13
  meaning: Max amount exceeded
  action: Amount exceeds an agreed limit; split the payment or route over ACH.
  iso20022_external_reason_code: true
- code: AM14
  meaning: Transaction amount exceeds limits agreed between FI and client
  action: Amount exceeds an agreed limit; split the payment or route over ACH.
  iso20022_external_reason_code: true
- code: BE04
  meaning: Required creditor's address is missing/incorrect
  action: Correct the named field and re-submit under a new paymentId.
  iso20022_external_reason_code: true
- code: BE06
  meaning: Customer is not known
  action: Do not retry; the counterparty account cannot receive the payment. Contact the payee.
  iso20022_external_reason_code: true
- code: BE07
  meaning: Required debtor's address is missing/incorrect
  action: Correct the named field and re-submit under a new paymentId.
  iso20022_external_reason_code: true
- code: BE10
  meaning: Debtor country code is missing or invalid
  action: Correct the named field and re-submit under a new paymentId.
  iso20022_external_reason_code: true
- code: BE11
  meaning: Creditor country code is missing or invalid
  action: Correct the named field and re-submit under a new paymentId.
  iso20022_external_reason_code: true
- code: BE16
  meaning: Debtor identification code missing or invalid
  action: Correct the named field and re-submit under a new paymentId.
  iso20022_external_reason_code: true
- code: BE17
  meaning: Creditor identification code missing or invalid
  action: Correct the named field and re-submit under a new paymentId.
  iso20022_external_reason_code: true
- code: DS04
  meaning: Credit transfer has been rejected due to a technical error.
  action: Transient or malformed-message condition; retry, and escalate to Citizens Client Services if it persists.
  iso20022_external_reason_code: true
- code: DS24
  meaning: System Time-out. Transaction did not complete.
  action: Transient network condition; retry later or route over ACH.
  iso20022_external_reason_code: true
- code: DT04
  meaning: Network Technical Error
  action: Transient or malformed-message condition; retry, and escalate to Citizens Client Services if it persists.
  iso20022_external_reason_code: true
- code: DUPL
  meaning: Duplicate Payment
  action: The payment was already accepted. Query POST /payment-status/query before re-submitting.
  iso20022_external_reason_code: true
- code: DS0H
  meaning: Network Technical Error
  action: Transient or malformed-message condition; retry, and escalate to Citizens Client Services if it persists.
  iso20022_external_reason_code: false
- code: FF02
  meaning: Network Technical Error
  action: Transient or malformed-message condition; retry, and escalate to Citizens Client Services if it persists.
  iso20022_external_reason_code: true
- code: FF08
  meaning: Required End to End Id missing or invalid
  action: Correct the named field and re-submit under a new paymentId.
  iso20022_external_reason_code: true
- code: MD07
  meaning: Customer is deceased
  action: Do not retry; the counterparty account cannot receive the payment. Contact the payee.
  iso20022_external_reason_code: true
- code: NARR
  meaning: Other Reason- provided in the Additional Info field.
  action: See the additional information field on the payment status response.
  iso20022_external_reason_code: true
- code: TM01
  meaning: Network Technical Error
  action: Transient or malformed-message condition; retry, and escalate to Citizens Client Services if it persists.
  iso20022_external_reason_code: true
- code: '1100'
  meaning: Other Reason- provided in the Additional Info field.
  action: See the additional information field on the payment status response.
  iso20022_external_reason_code: false
- code: '650'
  meaning: Network technical schema error
  action: Transient or malformed-message condition; retry, and escalate to Citizens Client Services if it persists.
  iso20022_external_reason_code: false
- code: '690'
  meaning: Network technical signature error
  action: Transient or malformed-message condition; retry, and escalate to Citizens Client Services if it persists.
  iso20022_external_reason_code: false
- code: RC01
  meaning: Invalid routing number (ABA) format
  action: Correct the named field and re-submit under a new paymentId.
  iso20022_external_reason_code: true
- code: RC02
  meaning: Invalid routing number (ABA)
  action: Correct the named field and re-submit under a new paymentId.
  iso20022_external_reason_code: true
- code: RC03
  meaning: Debtor routing number (ABA) is unavailable on the RTP network
  action: Transient network condition; retry later or route over ACH.
  iso20022_external_reason_code: true
- code: RC04
  meaning: Creditor routing number (ABA) is unavailable on the RTP network
  action: Transient network condition; retry later or route over ACH.
  iso20022_external_reason_code: true
- code: SL03
  meaning: Token Service did not respond
  action: See the additional information field on the payment status response.
  iso20022_external_reason_code: true
- code: TK01
  meaning: Token technical error
  action: Transient or malformed-message condition; retry, and escalate to Citizens Client Services if it persists.
  iso20022_external_reason_code: false
- code: TK02
  meaning: Token technical error
  action: Transient or malformed-message condition; retry, and escalate to Citizens Client Services if it persists.
  iso20022_external_reason_code: false
- code: TK03
  meaning: Token technical error
  action: Transient or malformed-message condition; retry, and escalate to Citizens Client Services if it persists.
  iso20022_external_reason_code: false
- code: TK04
  meaning: Token technical error
  action: Transient or malformed-message condition; retry, and escalate to Citizens Client Services if it persists.
  iso20022_external_reason_code: false
- code: TK05
  meaning: Token technical error
  action: Transient or malformed-message condition; retry, and escalate to Citizens Client Services if it persists.
  iso20022_external_reason_code: false
- code: TK06
  meaning: Token technical error
  action: Transient or malformed-message condition; retry, and escalate to Citizens Client Services if it persists.
  iso20022_external_reason_code: false
- code: TK07
  meaning: Token technical error
  action: Transient or malformed-message condition; retry, and escalate to Citizens Client Services if it persists.
  iso20022_external_reason_code: false
- code: TK08
  meaning: Token technical error
  action: Transient or malformed-message condition; retry, and escalate to Citizens Client Services if it persists.
  iso20022_external_reason_code: false
- code: NOAT
  meaning: Receiving customer did not accept
  action: See the additional information field on the payment status response.
  iso20022_external_reason_code: true
- code: '9909'
  meaning: Switch Error; Unable to process RTPs
  action: See the additional information field on the payment status response.
  iso20022_external_reason_code: false
- code: '9910'
  meaning: Creditor RTP connection unavailable
  action: Transient network condition; retry later or route over ACH.
  iso20022_external_reason_code: false
- code: '9912'
  meaning: Creditor RTP connection unavailable
  action: Transient network condition; retry later or route over ACH.
  iso20022_external_reason_code: false
- code: '9914'
  meaning: Technical Schema Validation Error
  action: Transient or malformed-message condition; retry, and escalate to Citizens Client Services if it persists.
  iso20022_external_reason_code: false
- code: '9934'
  meaning: Debtor RTP connection unavailable
  action: Transient network condition; retry later or route over ACH.
  iso20022_external_reason_code: false
- code: '9941'
  meaning: Technical Schema Validation Error
  action: Transient or malformed-message condition; retry, and escalate to Citizens Client Services if it persists.
  iso20022_external_reason_code: false
- code: '9946'
  meaning: Debtor RTP connection unavailable
  action: Transient network condition; retry later or route over ACH.
  iso20022_external_reason_code: false
- code: '9947'
  meaning: Creditor RTP connection unavailable
  action: Transient network condition; retry later or route over ACH.
  iso20022_external_reason_code: false
- code: '9948'
  meaning: Switch Error; Unable to process RTPs
  action: See the additional information field on the payment status response.
  iso20022_external_reason_code: false
- code: '9952'
  meaning: Version incompatibility
  action: See the additional information field on the payment status response.
  iso20022_external_reason_code: false
- code: '9956'
  meaning: Technical Schema Validation Error
  action: Transient or malformed-message condition; retry, and escalate to Citizens Client Services if it persists.
  iso20022_external_reason_code: false
- code: '9957'
  meaning: Creditor RTP connection unavailable
  action: Transient network condition; retry later or route over ACH.
  iso20022_external_reason_code: false
- code: '9964'
  meaning: Invalid Participant ID
  action: Correct the named field and re-submit under a new paymentId.
  iso20022_external_reason_code: false
- code: GF002
  meaning: Technical Error
  action: Transient or malformed-message condition; retry, and escalate to Citizens Client Services if it persists.
  iso20022_external_reason_code: false
- code: GF004
  meaning: Unable to determine the debit account
  action: See the additional information field on the payment status response.
  iso20022_external_reason_code: false
- code: GF011
  meaning: Technical Error
  action: Transient or malformed-message condition; retry, and escalate to Citizens Client Services if it persists.
  iso20022_external_reason_code: false
- code: GQ003
  meaning: Creditor account number is invalid
  action: Correct the named field and re-submit under a new paymentId.
  iso20022_external_reason_code: false
- code: GQ004
  meaning: Unable to determine the debit account
  action: See the additional information field on the payment status response.
  iso20022_external_reason_code: false
- code: GQ030
  meaning: Debit account number is closed
  action: Do not retry; the counterparty account cannot receive the payment. Contact the payee.
  iso20022_external_reason_code: false
- code: GQ031
  meaning: Creditor account number is closed
  action: Do not retry; the counterparty account cannot receive the payment. Contact the payee.
  iso20022_external_reason_code: false
- code: GQ033
  meaning: Same account number used for credit and debit account.
  action: See the additional information field on the payment status response.
  iso20022_external_reason_code: false
- code: GQ034
  meaning: Debtor account number is invalid
  action: Correct the named field and re-submit under a new paymentId.
  iso20022_external_reason_code: false
- code: GQ035
  meaning: Creditor account number is closed
  action: Do not retry; the counterparty account cannot receive the payment. Contact the payee.
  iso20022_external_reason_code: false
- code: GQ038
  meaning: Debtor account number is invalid
  action: Correct the named field and re-submit under a new paymentId.
  iso20022_external_reason_code: false
- code: GQ039
  meaning: Creditor account number is blocked
  action: Do not retry; the counterparty account cannot receive the payment. Contact the payee.
  iso20022_external_reason_code: false
- code: GQ041
  meaning: Network Technical Error
  action: Transient or malformed-message condition; retry, and escalate to Citizens Client Services if it persists.
  iso20022_external_reason_code: false
- code: GQ123
  meaning: Turn Down/Insufficient originator funds (NSF)
  action: Do not retry as-is; the originator has insufficient funds. Fund the account and re-submit under a new
    paymentId.
  iso20022_external_reason_code: false
- code: PM003
  meaning: Payment was rejected by the creditor FI
  action: See the additional information field on the payment status response.
  iso20022_external_reason_code: false
- code: PM017
  meaning: Payment was rejected by the creditor FI
  action: See the additional information field on the payment status response.
  iso20022_external_reason_code: false
- code: PM107
  meaning: Duplicate Payment
  action: The payment was already accepted. Query POST /payment-status/query before re-submitting.
  iso20022_external_reason_code: false
- code: RF002
  meaning: Technical Error
  action: Transient or malformed-message condition; retry, and escalate to Citizens Client Services if it persists.
  iso20022_external_reason_code: false
- code: RF003
  meaning: Technical Error
  action: Transient or malformed-message condition; retry, and escalate to Citizens Client Services if it persists.
  iso20022_external_reason_code: false
- code: UK001
  meaning: Unknown Error
  action: See the additional information field on the payment status response.
  iso20022_external_reason_code: false
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com