generated: '2026-08-30'
method: derived
source: >-
  openapi/the-bank-of-london-api-openapi.json — components.schemas.PaymentStatus (oneOf,
  detailedStatusIdentifier enums per status) and components.schemas.MandateCancellationReasonCode.
summary: >-
  The Bank of London publishes its scheme-level payment failure reasons inside the OpenAPI rather
  than as a separate decline-code reference page. `status.detailedStatusIdentifier` on a payment
  carries the Faster Payments scheme reason (FPS_*) that explains WHY a payment landed in its
  status; direct-debit mandates carry a Bacs cancellation reason code (0/1/2/B). The bank warns in
  the spec that these enums are EXTENSIBLE and may gain values without a major version change, so
  clients must default-case unknown values.
envelope_field: status.detailedStatusIdentifier
history_field: status.history[].detailedStatusIdentifier
extensible: true
masked_to_buyers: not_documented
scheme: FPS (UK Faster Payments)
decline_codes:
- code: PENDING_APPROVAL
  status: PENDING_APPROVAL
  class: other
- code: ACCEPTED_CUSTOMER_PROFILE
  status: PENDING
  class: other
- code: ACCEPTED_SETTLEMENT_IN_PROCESS
  status: PENDING
  class: other
- code: ACCEPTED_TECHNICAL_VALIDATION
  status: PENDING
  class: other
- code: INFORMATORY
  status: PENDING
  class: other
- code: RECEIVED
  status: PENDING
  class: other
- code: PENDING
  status: PENDING
  class: other
- code: WAITING
  status: PENDING
  class: other
- code: APPROVED
  status: APPROVED
  class: other
- code: REJECTED
  status: REJECTED
  class: other
- code: ACCEPTED_SETTLEMENT_COMPLETED
  status: SUCCESSFUL
  class: other
- code: ACCEPTED_WITH_CHANGE
  status: SUCCESSFUL
  class: other
- code: FPS_ACCEPTED_AFTER_NEXT_WORKING_DAY
  status: SUCCESSFUL
  class: accepted
- code: FPS_ACCEPTED_NEXT_CALENDAR_DAY
  status: SUCCESSFUL
  class: accepted
- code: FPS_ACCEPTED_NEXT_WORKING_DAY
  status: SUCCESSFUL
  class: accepted
- code: FPS_ACCEPTED_SAME_DAY
  status: SUCCESSFUL
  class: accepted
- code: FPS_ACCEPTED_WITHOUT_QUALIFICATION_IMMEDIATE
  status: SUCCESSFUL
  class: accepted
- code: FPS_ACCEPTED_WITH_UNSPECIFIED_TIME
  status: SUCCESSFUL
  class: accepted
- code: PARTIALLY_ACCEPTED
  status: SUCCESSFUL
  class: accepted
- code: FPS_ACCOUNT_IN_WRONG_CURRENCY
  status: FAILED
  class: other
- code: FPS_ACCOUNT_TERMS_AND_CONDITIONS_VIOLATION
  status: FAILED
  class: other
- code: FPS_ACCOUNT_TRANSFERRED
  status: FAILED
  class: other
- code: FPS_BENEFICIARY_ACCOUNT_CANNOT_BE_IDENTIFIED
  status: FAILED
  class: beneficiary
- code: FPS_BENEFICIARY_ACCOUNT_CLOSED
  status: FAILED
  class: beneficiary
- code: FPS_BENEFICIARY_ACCOUNT_NAME_AND_NUMBER_MISMATCH
  status: FAILED
  class: beneficiary
- code: FPS_BENEFICIARY_ACCOUNT_NAME_MISSING
  status: FAILED
  class: beneficiary
- code: FPS_BENEFICIARY_ACCOUNT_STOPPED
  status: FAILED
  class: beneficiary
- code: FPS_BENEFICIARY_DECEASED
  status: FAILED
  class: beneficiary
- code: FPS_BENEFICIARY_SENSITIVITIES_ERROR
  status: FAILED
  class: beneficiary
- code: FPS_CANNOT_DETERMINE_ROUTE_FOR_PAYMENT
  status: FAILED
  class: scheme
- code: FPS_DUPLICATE_FPID
  status: FAILED
  class: other
- code: FPS_FUNDS_NOT_AVAILABLE
  status: FAILED
  class: other
- code: FPS_INCORRECT_REFERENCE_INFORMATION
  status: FAILED
  class: other
- code: FPS_RECEIVING_AGENCY_3RD_PARTY_BENEFICIARY_ACCOUNT_TRANSFERRED
  status: FAILED
  class: beneficiary
- code: FPS_RECEIVING_AGENCY_ACCOUNT_CLOSED
  status: FAILED
  class: agency
- code: FPS_RECEIVING_AGENCY_ACCOUNT_STOPPED
  status: FAILED
  class: agency
- code: FPS_RECEIVING_AGENCY_ACCOUNT_TRANSFERRED
  status: FAILED
  class: agency
- code: FPS_RECEIVING_AGENCY_SORT_CODE_ACCOUNT_UNKNOWN
  status: FAILED
  class: agency
- code: FPS_SCHEME_IS_DOWN
  status: FAILED
  class: scheme
- code: FPS_SENDING_AGENCY_ACCOUNT_CLOSED
  status: FAILED
  class: agency
- code: FPS_SENDING_AGENCY_ACCOUNT_STOPPED
  status: FAILED
  class: agency
- code: FPS_SENDING_AGENCY_SORT_CODE_ACCOUNT_UNKNOWN
  status: FAILED
  class: agency
- code: FPS_SENDING_INSTITUTION_ACTION_REQUIRED
  status: FAILED
  class: other
- code: FPS_SYNTAX_ERROR
  status: FAILED
  class: scheme
- code: FPS_SYSTEM_MALFUNCTION
  status: FAILED
  class: scheme
- code: FPS_UNABLE_TO_SEND_PAYMENT
  status: FAILED
  class: other
- code: EXECUTION_DATE_CANNOT_BE_IN_PAST
  status: FAILED
  class: other
- code: RECALLED
  status: FAILED
  class: other
- code: REJECTED
  status: FAILED
  class: other
- code: FAILED
  status: FAILED
  class: other
- code: SCHEDULED
  status: SCHEDULED
  class: other
mandate_cancellation_reason_codes:
- code: 0_BACS_CANCELLED_BY_PAYMENT_SERVICE_PROVIDER
  scheme: Bacs
- code: 1_BACS_CANCELLED_BY_PAYER
  scheme: Bacs
- code: 2_BACS_PAYER_DECEASED
  scheme: Bacs
- code: B_BACS_ACCOUNT_CLOSED
  scheme: Bacs
note: >-
  No card-network decline codes exist — The Bank of London is a clearing/BaaS bank, not a card
  acquirer. Retryability is not documented per code; treat FPS_FUNDS_NOT_AVAILABLE and
  FPS_SCHEME_IS_DOWN as the only plausibly transient reasons and confirm with the bank before
  automating any retry.