generated: '2026-07-24'
method: searched
source: openapi/monoova-payto.yml tag descriptions (Payment Initiation Reject Reason Codes; Mandate Status Reason Codes) +
  https://developer.monoova.com/payto-status-and-error-codes
context: NPP PayTo mandate/payment reason codes. Complements errors/monoova-problem-types.yml (API-level errors).
envelope_field: reasonCode (on payment initiation / mandate status notifications)
reproducible_in_sandbox: Yes - via the cents-suffix amount trigger; see sandbox/monoova-sandbox.yml
payment_initiation_reject_reason_codes:
- code: R001
  meaning: Creditor agent is not online
  action: Decline
- code: R002
  meaning: Account to be debited does not exist
  action: Decline
- code: R003
  meaning: Account to be Credited does not exist
  action: Decline
- code: R004
  meaning: The original Payer Customer Account number is closed
  action: Decline
- code: R005
  meaning: Account exists but is blocked
  action: Decline
- code: R006
  meaning: Account is now closed
  action: Decline
- code: R007
  meaning: Debtor account type is invalid
  action: Decline
- code: R008
  meaning: Creditor account type is invalid
  action: Decline
- code: R009
  meaning: Payer account is not valid
  action: Decline
- code: R010
  meaning: Transaction has been forbidden
  action: Decline
- code: R011
  meaning: Payment was rejected by the payee
  action: Decline
- code: R012
  meaning: Debtor account cannot be debited
  action: Decline
- code: R013
  meaning: Use of zero-dollar payment initiation requests is prohibited.
  action: Decline
- code: R014
  meaning: The amount requested is greater than the maximum NPP limit of $99,999,999,999
  action: Decline
- code: R015
  meaning: Specified message amount is a non-processable currency outside of existing agreement
  action: Decline
- code: R016
  meaning: Amount of funds available to cover specified message amount is insufficient
  action: Decline
- code: R017
  meaning: Specified transaction amount is less than agreed minimum.
  action: Decline
- code: R018
  meaning: Amount received is not the amount agreed or expected
  action: Decline
- code: R019
  meaning: The amount in the NPP Payment Initiation Request is missing or invalid
  action: Decline
- code: R020
  meaning: Number of transactions at the Group level is invalid or missing
  action: Decline
- code: R021
  meaning: The amount requested in the NPP Payment Initiation Request exceeds the agreed limit
  action: Decline
- code: R022
  meaning: Reject the NPP Payment Initiation Request as the Creditor is unknown to Debtor
  action: Decline
- code: R023
  meaning: End customer specified is not known at associated Sort/National Bank Code or does no longer exist in the books
  action: Decline
- code: R024
  meaning: Debtor Name not provided
  action: Decline
- code: R025
  meaning: Creditor Name not provided
  action: Decline
- code: R026
  meaning: Number of decimal points not compatible with the currency
  action: Decline
- code: R027
  meaning: Required Compulsory Element Missing
  action: Decline
- code: R029
  meaning: Cancellation requested by the Debtor
  action: Decline
- code: R030
  meaning: The CreationDateTime in the Group Header is not as per the required format
  action: Decline
- code: R031
  meaning: The Business Service does not support future dated NPP Payment Initiation Requests
  action: Decline
- code: R032
  meaning: Check with Monoova on possible Outage. Retry again after sometime.
  action: Decline
- code: R033
  meaning: Check with Monoova on possible Outage. Retry again after sometime.
  action: Decline
- code: R034
  meaning: End to End Id missing or invalid for catsct payment Instruction.
  action: Decline
- code: R035
  meaning: Invalid or not applicable character set
  action: Decline
- code: R036
  meaning: Creditor Reference Must be equal to End to End Id of payment instruction for catsct
  action: Decline
- code: R037
  meaning: Check with Monoova on possible Outage. Retry again after sometime.
  action: Decline
- code: R038
  meaning: Payer institution is unavailable
  action: Decline
- code: R039
  meaning: Payer institution is unavailable
  action: Decline
- code: R040
  meaning: Payer institution is unavailable
  action: Decline
- code: R041
  meaning: Payer PayId is not valid. Update the payment agreement with a valid PayId to proceed with payment initiation
  action: Decline
- code: R042
  meaning: Payer PayId is not valid. Update the payment agreement with a valid PayId to proceed with payment initiation
  action: Decline
- code: R043
  meaning: Payer BSB is not valid. Update the payment agreement with a valid BSB to proceed with payment initiation
  action: Decline
- code: R044
  meaning: Payer BSB is not valid. Update the payment agreement with a valid BSB to proceed with payment initiation
  action: Decline
- code: R045
  meaning: BO Service Code is not valid. Modify the Mandate with the correct BO Service Code
  action: Decline
- code: R046
  meaning: BO Service Code is not valid. Modify the Mandate with the correct BO Service Code
  action: Decline
- code: R047
  meaning: Payer is no longer reachable on NPP. Cancel the Mandate
  action: Decline
- code: R048
  meaning: Payer is no longer reachable on NPP. Cancel the Mandate
  action: Decline
- code: R049
  meaning: Payee Account Details are not present in Mandate and Client also has not provided Creditor Account Details in the
    Initiation Request. Either Modify the Mandate or provide the Creditor Account Details in the Request
  action: Decline
- code: R050
  meaning: Creditor PayId has been ported, amend the payment agreement to reflect correct PayId institution
  action: Decline
- code: R051
  meaning: Payer PayId has been ported, amend the payment agreement to reflect correct PayId institution
  action: Decline
- code: R052
  meaning: Payee account details in the payment initiation do not match the payment agreement
  action: Decline
- code: R053
  meaning: Payee PayId in the payment initiation do not match the payment agreement
  action: Decline
- code: R054
  meaning: Verify the details of the Mandate, if creditor details are not present, it must be provided in input request
  action: Decline
- code: R055
  meaning: Unable to locate Payment Instruction record
  action: Decline
- code: R056
  meaning: Mandate validation failed. Verify the details of the Mandate
  action: Decline
- code: R057
  meaning: Verify the details of the Mandate, if creditor account/alias details are correct, don't send creditor account/alias
    details in input request
  action: Decline
- code: R058
  meaning: Verify the status of previous payment instruction if it is valid for business retry
  action: Decline
- code: R059
  meaning: The NPP Payment Initiation Request did not contain a MandateId
  action: Decline
- code: R060
  meaning: Invalid Payment Agreement
  action: Decline
- code: R061
  meaning: Payment Agreement is expired
  action: Decline
- code: R062
  meaning: Reason has not been specified by end customer
  action: Decline
- code: R063
  meaning: Permission to process this payment is not granted
  action: Decline
- code: R064
  meaning: Payer institution is unavailable. Please try again later.
  action: Decline
- code: R065
  meaning: The BIC identifier in the Message Payload is invalid or missing
  action: Decline
- code: R066
  meaning: Due to specific service offered by the Debtor Agent
  action: Decline
- code: R067
  meaning: The Creditor did not appear on the Debtors whitelist
  action: Decline
- code: R068
  meaning: The Creditor did appear on the Debtors blacklist
  action: Decline
- code: R069
  meaning: The NPP Payment Initiation Request was rejected because the number of transactions requested exceeds the Debtor
    Agent offering.
  action: Decline
- code: R070
  meaning: The NPP Payment Initiation Request was rejected because the total value of transactions requested exceeds the Debtor
    Agent offering.             R999          Unexpected System Error
  action: Decline
mandate_status_reason_codes:
- code: M001
  meaning: Invalid Debtor AccountNumber
  action: Decline
- code: M002
  meaning: Closed Account Number
  action: Decline
- code: M003
  meaning: Closed Debtor AccountNumber
  action: Decline
- code: M004
  meaning: Blocked Account
  action: Decline
- code: M005
  meaning: Invalid Debtor AccountType
  action: Decline
- code: M006
  meaning: Transaction Forbidden
  action: Decline
- code: M007
  meaning: Transaction Not Supported
  action: Decline
- code: M008
  meaning: Not Allowed Currency
  action: Decline
- code: M009
  meaning: Invalid Amount
  action: Decline
- code: M010
  meaning: Amount Exceeds Agreed Limit
  action: Decline
- code: M011
  meaning: Contract Amended
  action: Decline
- code: M012
  meaning: Contract Cancellation Initiated By Debtor
  action: Decline
- code: M013
  meaning: Contract Expired
  action: Decline
- code: M014
  meaning: Mandate Suspended Final Collection
  action: Decline
- code: M015
  meaning: Mandate Suspended Once Off Collection
  action: Decline
- code: M016
  meaning: End Customer Deceased
  action: Decline
- code: M017
  meaning: No Mandate Service By Agent
  action: Decline
- code: M018
  meaning: No Mandate Service On Customer
  action: Decline
- code: M019
  meaning: Requested By Customer
  action: Decline
- code: M020
  meaning: Requested By Initiating Party
  action: Decline
- code: M021
  meaning: Mandate Expired
  action: Decline
- code: M022
  meaning: Mandate Cancelled Due To Fraud
  action: Decline
- code: M023
  meaning: Not Specified Reason Customer Generated
  action: Decline
- code: M024
  meaning: Not Specified Reason Agent Generated
  action: Decline
- code: M025
  meaning: Mandate Suspended 7 Consecutive Unsuccessful Collections
  action: Decline
- code: M026
  meaning: Narrative
  action: Decline
- code: M027
  meaning: No Answer From Customer
  action: Decline
- code: M028
  meaning: Regulatory Reason
  action: Decline
- code: M029
  meaning: Specific Service offered by Debtor Agent
  action: Decline
- code: M030
  meaning: Creditor not on Whitelist of Debtor
  action: Decline
- code: M031
  meaning: Creditor on Blacklist of Debtor
  action: Decline
- code: M032
  meaning: Unknown end Customer
  action: Decline