generated: '2026-07-24'
method: searched
source: https://rotessa.com/docs/#financial-transactions
description: >-
  PAD/ACH return (decline/chargeback) reason codes for Rotessa financial transactions.
  These are the values Rotessa surfaces in the `status_reason` field of a
  FinancialTransaction whose `status` is Declined or Chargeback. They correspond to
  the underlying Canadian pre-authorized debit / US ACH return reasons.
envelope_field: status_reason
appears_on: FinancialTransaction (status = Declined | Chargeback)
decline_codes:
  - code: NSF
    meaning: Non-sufficient funds in the customer's bank account.
    action: Retry later or contact the customer to fund the account.
  - code: Payment Stopped/Recalled
    meaning: The customer or their bank placed a stop-payment / recalled the debit.
    action: Contact the customer; a new authorization may be required.
  - code: Edit Reject
    meaning: The transaction was rejected due to invalid or malformed banking details.
    action: Correct the customer's bank coordinates and re-create the schedule.
  - code: Funds Not Cleared
    meaning: Funds were not cleared by the receiving institution.
    action: Retry after the customer confirms available funds.
  - code: Account Closed
    meaning: The customer's bank account has been closed.
    action: Obtain updated bank account details from the customer.
  - code: Invalid/Incorrect Account No.
    meaning: The bank account number is invalid or incorrect.
    action: Verify and correct the account number.
  - code: Account Not Found
    meaning: The specified bank account could not be found.
    action: Verify institution/transit/account (CA) or routing/account (US) numbers.
  - code: Account Frozen
    meaning: The customer's bank account is frozen.
    action: Contact the customer; do not retry until resolved.
  - code: Agreement Revoked
    meaning: The pre-authorized debit agreement was revoked by the customer.
    action: A new customer authorization is required before debiting again.
  - code: No Debit Allowed
    meaning: The account does not permit debit transactions.
    action: Obtain an account that permits PAD/ACH debits.