generated: '2026-08-23'
method: searched
source: https://docs-v2.interchecks.com/docs/instant-deposit-failure-codes
docs:
- https://docs-v2.interchecks.com/docs/instant-deposit-failure-codes
- https://docs-v2.interchecks.com/docs/ach-return-code
applies_to:
- INSTANT_DEPOSIT (Visa/Mastercard OCT)
- INSTANT_FUNDING (AFT)
- ACH_FUNDING_PLUS
- ACH_SAME_DAY
- ACH_STANDARD
- ACH_REFUND
card_declines:
  envelope_field: error_message
  envelope_format: '"<action code>:<message>"'
  error_codes:
  - ERR_OCT_DECLINE (Instant Deposit / payout)
  - ERR_AFT_DECLINE (Instant Funding / pull)
  http_status: 200
  note: Card declines are returned with HTTP 200, not a 4xx — the API call succeeded, the authorization
    did not. The network action code is embedded in error_message before the colon. Visa and Mastercard
    may return different text for the same action code; apart from codes 76-89 the response can be treated
    identically regardless of message.
  standard: ISO 8583 style network action/response codes as published by Visa and Mastercard
  masked_to_buyers: Not stated. The documentation does not say which codes are surfaced to the end recipient
    versus held for the payer.
  action_code_count: 67
  action_codes:
  - code: '00'
    message: Approved and completed successful
  - code: '01'
    message: Refer to card issuer
  - code: '02'
    message: Refer to card issuer, special condition
  - code: '03'
    message: Invalid merchant
  - code: '04'
    message: Pick up card (no fraud)
  - code: '05'
    message: Do not honor
  - code: '06'
    message: Error
  - code: '07'
    message: Pick up card, special condition (fraud account)
  - code: 08
    message: Honor with ID
  - code: '10'
    message: Partial approval
  - code: '11'
    message: Approved (V.I.P)
  - code: '12'
    message: Invalid transaction
  - code: '13'
    message: Invalid amount or currency conversion field overflow
  - code: '14'
    message: Invalid account number (no such number)
  - code: '15'
    message: No such issuer
  - code: '19'
    message: Re-enter transaction
  - code: '21'
    message: No action taken
  - code: '25'
    message: Unable to locate record in file
  - code: '28'
    message: File temporarily not available for update or inquiry
  - code: '30'
    message: Format error
  - code: '39'
    message: No credit account
  - code: '41'
    message: Lost card, pick up (fraud account)
  - code: '43'
    message: Stolen card, pick up (fraud account)
  - code: '46'
    message: Closed account
  - code: '51'
    message: Not sufficient funds
  - code: '52'
    message: No checking account
  - code: '53'
    message: No savings account
  - code: '54'
    message: Expired card or expiration date is missing
  - code: '55'
    message: Incorrect PIN or PIN missing
  - code: '57'
    message: Transaction not permitted to cardholder
  - code: '58'
    message: Transaction not allowed at terminal
  - code: '59'
    message: Suspected fraud
  - code: '61'
    message: Exceeds approval amount limit
  - code: '62'
    message: Restricted card (card invalid in this region or country)
  - code: '63'
    message: Security violation (source is not correct issuer)
  - code: '64'
    message: Transaction does not fulfill AML requirement
  - code: '65'
    message: Exceeds withdrawal frequency limit
  - code: '70'
    message: PIN data required
  - code: '71'
    message: PIN Not Changed
  - code: '74'
    message: Different value than that used for PIN encryption errors
  - code: '75'
    message: Allowable number of PIN entry tries exceeded
  - code: 76-89
    message: '[Visa Codes](#visa-codes)\ [Mastercard Codes](#mastercard-codes)'
  - code: '90'
    message: Cutoff is in progress
  - code: '91'
    message: Issuer or switch inoperative and STIP not applicable or not available for this transaction
  - code: '92'
    message: Financial institution or intermediate network facility cannot be found for routing (receiving
      institution ID is invalid)
  - code: '93'
    message: Transaction cannot be completed - violation of law
  - code: '94'
    message: Duplication transaction detected
  - code: 1A
    message: Additional customer authentication required
  - code: 1Z
    message: Authorization System or issuer system inoperative
  - code: 5C
    message: Transaction non supported/blocked by issuer
  - code: 6P
    message: Verification data failed
  - code: 9G
    message: Blocked by cardholder/contact cardholder
  - code: B1
    message: Surcharge amount not permitted on Visa cards or EBT food stamps (U.S. acquirers only)
  - code: B2
    message: Surcharge amount not supported by debit network issuer
  - code: N0
    message: Force STIP
  - code: N3
    message: Cash service not available
  - code: N4
    message: Cash request exceeds issuer or approved limit
  - code: N5
    message: Ineligible for resubmission
  - code: N7
    message: Decline for CVV2 failure
  - code: N8
    message: Transaction amount exceeds preauthorized approval amount
  - code: P5
    message: Denied PIN unblock—PIN change or unblock request declined by issuer
  - code: P6
    message: Denied PIN change—requested PIN unsafe
  - code: Q1
    message: Card Authentication failed
  - code: R0
    message: Stop Payment Order
  - code: R2
    message: Transaction does not qualify for Visa PIN
  - code: R3
    message: Revocation of all authorizations order
  - code: Z4
    message: Unable to go online; offline-declined
  private_use_76_89:
    note: Action codes 76-89 are reserved for private use and differ by network.
    visa:
    - code: '76'
      message: Unsolicited reversal
    - code: '78'
      message: Blocked, first used — Transaction from new cardholder, and card not properly unblocked
    - code: '79'
      message: Already reversed (by Switch)
    - code: '80'
      message: No financial impact
    - code: '81'
      message: Cryptographic error found in PIN
    - code: '82'
      message: Negative CAM, dCVV, iCVV, or CVV results
    - code: '85'
      message: No reason to decline a request for address verification, CVV2 verification, or a credit
        voucher or merchandise return
    - code: '86'
      message: Cannot verify PIN; for example, no PVV
    - code: '89'
      message: Ineligible to receive financial position information (GIV)
    mastercard:
    - code: '76'
      message: Invalid/nonexistent “To Account” specified
    - code: '77'
      message: Invalid/nonexistent “From Account” specified
    - code: '78'
      message: Invalid/nonexistent account specified (general)
    - code: '79'
      message: Life cycle (Mastercard use only)
    - code: '80'
      message: System not available
    - code: '81'
      message: Domestic Debit Transaction Not Allowed (Regional use only)
    - code: '82'
      message: Policy (Mastercard use only)
    - code: '83'
      message: Fraud/Security (Mastercard use only)
    - code: '84'
      message: Invalid Authorization Life Cycle
    - code: '85'
      message: Not declined
    - code: '86'
      message: PIN Validation not possible
    - code: '87'
      message: Purchase Amount Only, No Cash Back Allowed
    - code: '88'
      message: Cryptographic failure
    - code: '89'
      message: Unacceptable PIN—Transaction Declined—Retry
ach_return_codes:
  standard: NACHA ACH return reason codes
  note: ACH Funding and Payout transactions are processed through the Automated Clearing House and can
    be returned after the API call has already succeeded. The return surfaces as a FAILED transaction
    webhook. R01 returns on ACH_FUNDING_PLUS are automatically retried at a configured interval; ERR_ACH_RETRY_ATTEMPTS_EXHAUSTED
    is raised when retries run out.
  count: 22
  codes:
  - code: R01
    description: Insufficient Funds - The available and/or cash reserve balance is not sufficient to cover
      the dollar value of the debit entry.
    return_timeframe: 2 Banking Days
  - code: R02
    description: Account Closed - A previously active account has been closed by the customer or the RDFI.
    return_timeframe: 2 Banking Days
  - code: R03
    description: No Account/Unable to Locate Account - The account number structure is valid, but the
      account number does not exist or does not correspond to the individual identified in the entry.
    return_timeframe: 2 Banking Days
  - code: R04
    description: Invalid Account Number Structure - The account number structure is not valid.
    return_timeframe: 2 Banking Days
  - code: R05
    description: Unauthorized Debit to a Consumer Account - A CCD or CTX entry has been initiated to a
      consumer account and was not authorized by the Receiver.
    return_timeframe: 60 Calendars Days
  - code: R06
    description: Returned Per ODFIs Request - The ODFI has requested that the RDFI return an Erroneous
      Entry.
    return_timeframe: Undefined
  - code: R07
    description: Authorization Revoked - The Receiver revoked the authorization previously provided to
      the Originator for this debit entry.
    return_timeframe: 60 Calendar Days
  - code: R08
    description: Payment Stopped - The Receiver has placed a stop payment order on this entry.
    return_timeframe: 2 Banking Days
  - code: R09
    description: Uncollected Funds - Sufficient ledger balance exists to satisfy the dollar value of the
      transaction, but the available balance is below the dollar value of the debit entry.
    return_timeframe: 2 Banking Days
  - code: R10
    description: Customer Advises Not Authorized, Improper, Ineligible, or Part of an Incomplete Transaction
      - The RDFI has been notified by the Receiver that the Entry is unauthorized, improper, ineligible,
      or part of an incomplete transaction.
    return_timeframe: 60 Calendar Days
  - code: R11
    description: Customer Advises Entry Not in Accordance with the Terms of the Authorization
    return_timeframe: 60 Calendar Days
  - code: R12
    description: Account Sold to Another DFI - A financial institution received an Entry to an account
      that was sold to another financial institution.
    return_timeframe: 2 Banking Days
  - code: R13
    description: Invalid ACH Routing Number - An entry contains a routing number that is a not a valid
      ACH routing number.
    return_timeframe: 2 Banking Days
  - code: R16
    description: Account Frozen/Entry Returned Per OFAC Instruction - Access to the account is restricted
      due to specific action taken by the RDFI or by legal action
    return_timeframe: 2 Banking Days
  - code: R20
    description: Non-Transaction Account - The ACH entry destined for a non-transaction account as defined
      by Reg. D would include an account against which transactions are prohibited or limited.
    return_timeframe: 2 Banking Days
  - code: R21
    description: Invalid Company Identification - The identification number used in the Company ID Field
      is not valid. This Return Reason Code is generally used on CIE transactions.
    return_timeframe: 2 Banking Days
  - code: R22
    description: Invalid Individual ID - The Receiver has indicated to the RDFI that the number by which
      the Originator was identified is not correct. The Individual ID number of CIE or MTE entries is
      used by the Receiver to identify the account.
    return_timeframe: 2 Banking Days
  - code: R23
    description: Credit Entry Refused by Receiver - Any credit Entry that is refused by the Receiver may
      be returned by the RDFI.
    return_timeframe: 2 Calendar Days from Notice
  - code: R24
    description: Duplicate Entry - The RDFI has received what appears to be a duplicate entry, i.e. the
      trace number, date, dollar amount and/or other data matches another transaction.
    return_timeframe: 2 Banking Days
  - code: R29
    description: Corporate Customer Advises/Not Authorized - The Corporate Customer advises the entry
      is not authorized.
    return_timeframe: 2 Banking Days
  - code: R31
    description: Permissible Return Entry (CCD and CTX Entry) - The RDFI may return a CCD or CTX entry
      that the ODFI accept.
    return_timeframe: 2 Banking Days
  - code: R51
    description: Ineligible/Improper item
    return_timeframe: 60 Calendar Days