generated: '2026-09-18' method: searched source: https://amer.developers.trustly.com/integrate/api-fundamentals/status-codes-and-type-definitions envelope: field: paymentProviderTransaction.status on the transaction and on event notifications, with paymentProviderTransaction.reasonCode, .reasonCodeMessage and .extendedReason.code for the SW05x family; errorCode and statusMessage on Deny/Failed events sandbox_trigger: Demo Bank password `extendedreasoncode_` (for example extendedreasoncode_10000) forces that extended reason on the next capture masking: the Consumer Messaging column is the text Trustly expects merchants to show the payer; the extended reason codes (velocity limits, ML risk scores, blocklists, sanctions) are merchant-facing only and are not surfaced to the consumer beyond the generic Security Alert wording decline_codes: - code: SW010 consumer_decline_code: N/A meaning: Established consumer_messaging: N/A action: N/A - code: SW013 consumer_decline_code: User Cancelled meaning: Canceled. consumer_messaging: This transaction was cancelled partway by you, your browser or your device. action: Prompt user to try again (do not close the browser or app during the transaction). - code: SW020 consumer_decline_code: N/A meaning: Authorization received consumer_messaging: N/A action: N/A - code: SW021 consumer_decline_code: Insufficient Funds meaning: Authorization denied (for example, insufficient funds). consumer_messaging: Transaction unsuccessful. We are unable to complete your transaction due to insufficient funds in your account. action: See **Payment Decline Codes** for details and extended reasons. - code: SW051 consumer_decline_code: Merchant Error meaning: Merchant error (for example, integration issue, invalid request). consumer_messaging: Transaction unsuccessful. The transaction could not be completed because of a technical error on the merchant's side. action: N/A - code: SW052 consumer_decline_code: Bank Error meaning: Financial institution error. consumer_messaging: 'Transaction unsuccessful: We''re sorry. The transaction could not be completed because of a technical error on the bank''s side.' action: N/A - code: SW053 consumer_decline_code: Network Error meaning: Internal network error. consumer_messaging: 'Transaction unsuccessful: We''re sorry. The transaction could not be completed because of a technical error from the network.' action: N/A - code: SW054 consumer_decline_code: Security Controls meaning: Suspicious transaction activity. consumer_messaging: 'Security Alert: We detected some unusual activity and as a result, this transaction was not completed.' action: Please try again later or use a different bank account. See **Payment Decline Codes** for details. - code: SW055 consumer_decline_code: Security Controls meaning: Negative data. consumer_messaging: 'Security Alert: We detected some unusual activity and as a result, this transaction was blocked.' action: Please contact Trustly's merchant support team if the user escalates. See **Payment Decline Codes** for details. - code: SW056 consumer_decline_code: Unsupported Account Type meaning: Invalid account. consumer_messaging: 'Invalid Account: To comply with Federal, state, or local regulations, Trustly does not currently support this type of account.' action: Please prompt the user to use a personal debitable account. See **Payment Decline Codes** for details. - code: SW057 consumer_decline_code: Expired Split Token meaning: Expired split token. consumer_messaging: 'Transaction unsuccessful: We''re sorry. The transaction could not be completed because of a technical error on the bank''s side.' action: Please prompt the user to log in again. See **Payment Decline Codes** for details. - code: SW059 consumer_decline_code: Security Controls meaning: Instant transaction rejected due to risk. consumer_messaging: 'Security Alert: We detected some unusual activity and as a result, this transaction was not completed.' action: N/A - code: SW060 consumer_decline_code: Bank Error meaning: Bank or network processor is down. consumer_messaging: 'Transaction unsuccessful: We''re sorry. The transaction could not be completed because of a technical error on the bank''s side.' action: N/A extended_reasons: - status: SW021 reason_code: 12 extended_reason_code: '120000' meaning: Insufficient funds consumer_messaging: Transaction unsuccessful. We are unable to complete your transaction due to insufficient funds in your account. Please a) add funds to your account, b) Use another account at the same bank, c) Or, sign in to another bank. - status: SW054 reason_code: 1 reason: Exceeded thresholds extended_reason_code: '10000' meaning: Exceeded thresholds consumer_messaging: 'Security Alert: We detected some unusual activity and as a result, this transaction was blocked. To protect consumers and merchants, Trustly employs risk mitigation and fraud prevention tools to spot suspicious activity. Please see Trustly''s FAQs for further information on Trustly''s risk decisioning process.' - status: SW054 reason_code: 1 reason: Exceeded thresholds extended_reason_code: '10001' meaning: Exceeded transaction amount consumer_messaging: 'Security Alert: We detected some unusual activity and as a result, this transaction was blocked. To protect consumers and merchants, Trustly employs risk mitigation and fraud prevention tools to spot suspicious activity. Please see Trustly''s FAQs for further information on Trustly''s risk decisioning process.' - status: SW054 reason_code: 1 reason: Exceeded thresholds extended_reason_code: 11XXX meaning: Exceeded XXX hours consumer amount velocity limit (001 to 999) consumer_messaging: 'Security Alert: We detected some unusual activity and as a result, this transaction was blocked. To protect consumers and merchants, Trustly employs risk mitigation and fraud prevention tools to spot suspicious activity. Please see Trustly''s FAQs for further information on Trustly''s risk decisioning process.' - status: SW054 reason_code: 1 reason: Exceeded thresholds extended_reason_code: 12XXX meaning: Exceeded XXX hours consumer count velocity limit (001 to 999) consumer_messaging: 'Security Alert: We detected some unusual activity and as a result, this transaction was blocked. To protect consumers and merchants, Trustly employs risk mitigation and fraud prevention tools to spot suspicious activity. Please see Trustly''s FAQs for further information on Trustly''s risk decisioning process.' - status: SW054 reason_code: 1 reason: Exceeded thresholds extended_reason_code: 13XXX meaning: Exceeded XXX hours merchant amount velocity limit (001 to 999) consumer_messaging: 'Security Alert: We detected some unusual activity and as a result, this transaction was blocked. To protect consumers and merchants, Trustly employs risk mitigation and fraud prevention tools to spot suspicious activity. Please see Trustly''s FAQs for further information on Trustly''s risk decisioning process.' - status: SW054 reason_code: 1 reason: Exceeded thresholds extended_reason_code: 14XXX meaning: Exceeded XXX days merchant count velocity limit (001 to 999) consumer_messaging: 'Security Alert: We detected some unusual activity and as a result, this transaction was blocked. To protect consumers and merchants, Trustly employs risk mitigation and fraud prevention tools to spot suspicious activity. Please see Trustly''s FAQs for further information on Trustly''s risk decisioning process.' - status: SW054 reason_code: 2 reason: Data mismatch extended_reason_code: '20000' meaning: Consumer name data mismatch consumer_messaging: 'Security Alert: We detected some unusual activity and as a result, this transaction was blocked. To protect consumers and merchants, Trustly employs risk mitigation and fraud prevention tools to spot suspicious activity. Please see Trustly''s FAQs for further information on Trustly''s risk decisioning process.' - status: SW054 reason_code: 2 reason: Data mismatch extended_reason_code: '20001' meaning: Consumer email data mismatch consumer_messaging: 'Security Alert: We detected some unusual activity and as a result, this transaction was blocked. To protect consumers and merchants, Trustly employs risk mitigation and fraud prevention tools to spot suspicious activity. Please see Trustly''s FAQs for further information on Trustly''s risk decisioning process.' - status: SW054 reason_code: 2 reason: Data mismatch extended_reason_code: '20002' meaning: Consumer address data mismatch consumer_messaging: 'Security Alert: We detected some unusual activity and as a result, this transaction was blocked. To protect consumers and merchants, Trustly employs risk mitigation and fraud prevention tools to spot suspicious activity. Please see Trustly''s FAQs for further information on Trustly''s risk decisioning process.' - status: SW054 reason_code: 3 reason: Suspicious History extended_reason_code: '30000' meaning: Suspicious History consumer_messaging: 'Security Alert: We detected some unusual activity and as a result, this transaction was blocked. To protect consumers and merchants, Trustly employs risk mitigation and fraud prevention tools to spot suspicious activity. Please see Trustly''s FAQs for further information on Trustly''s risk decisioning process.' - status: SW054 reason_code: 3 reason: Suspicious History extended_reason_code: '30101' meaning: 'NSF ML risk model: Score higher than threshold' consumer_messaging: 'Security Alert: We detected some unusual activity and as a result, this transaction was blocked. To protect consumers and merchants, Trustly employs risk mitigation and fraud prevention tools to spot suspicious activity. Please see Trustly''s FAQs for further information on Trustly''s risk decisioning process.' - status: SW054 reason_code: 3 reason: Suspicious History extended_reason_code: '30201' meaning: 'NSF risk rules: Hard block based on attributes' consumer_messaging: 'Security Alert: We detected some unusual activity and as a result, this transaction was blocked. To protect consumers and merchants, Trustly employs risk mitigation and fraud prevention tools to spot suspicious activity. Please see Trustly''s FAQs for further information on Trustly''s risk decisioning process.' - status: SW054 reason_code: 3 reason: Suspicious History extended_reason_code: '30301' meaning: 'Fraud ML risk model: Score higher than threshold' consumer_messaging: 'Security Alert: We detected some unusual activity and as a result, this transaction was blocked. To protect consumers and merchants, Trustly employs risk mitigation and fraud prevention tools to spot suspicious activity. Please see Trustly''s FAQs for further information on Trustly''s risk decisioning process.' - status: SW054 reason_code: 3 reason: Suspicious History extended_reason_code: '30401' meaning: 'Fraud risk rules: Hard block based on attributes' consumer_messaging: 'Security Alert: We detected some unusual activity and as a result, this transaction was blocked. To protect consumers and merchants, Trustly employs risk mitigation and fraud prevention tools to spot suspicious activity. Please see Trustly''s FAQs for further information on Trustly''s risk decisioning process.' - status: SW054 reason_code: 4 reason: 3rd Party Suspicious History extended_reason_code: '40000' meaning: 3rd Party Suspicious History consumer_messaging: 'Security Alert: We detected some unusual activity and as a result, this transaction was blocked. To protect consumers and merchants, Trustly employs risk mitigation and fraud prevention tools to spot suspicious activity. Please see Trustly''s FAQs for further information on Trustly''s risk decisioning process.' - status: SW055 reason_code: 5 extended_reason_code: '50000' meaning: Negative Database consumer_messaging: 'Security Alert: We detected some unusual activity and as a result, this transaction was blocked. To protect consumers and merchants, Trustly employs risk mitigation and fraud prevention tools to spot suspicious activity. Please see Trustly''s FAQs for further information on Trustly''s risk decisioning process.' - status: SW055 reason_code: 5 extended_reason_code: '50001' meaning: Consumer blocklisted consumer_messaging: 'Security Alert: We detected some unusual activity and as a result, this transaction was blocked. To protect consumers and merchants, Trustly employs risk mitigation and fraud prevention tools to spot suspicious activity. Please see Trustly''s FAQs for further information on Trustly''s risk decisioning process.' - status: SW055 reason_code: 5 extended_reason_code: '50002' meaning: Consumer's device blocklisted consumer_messaging: 'Security Alert: We detected some unusual activity and as a result, this transaction was blocked. To protect consumers and merchants, Trustly employs risk mitigation and fraud prevention tools to spot suspicious activity. Please see Trustly''s FAQs for further information on Trustly''s risk decisioning process.' - status: SW055 reason_code: 5 extended_reason_code: '50003' meaning: Consumer's bank account blocklisted consumer_messaging: 'Security Alert: We detected some unusual activity and as a result, this transaction was blocked. To protect consumers and merchants, Trustly employs risk mitigation and fraud prevention tools to spot suspicious activity. Please see Trustly''s FAQs for further information on Trustly''s risk decisioning process.' - status: SW055 reason_code: 5 extended_reason_code: '50004' meaning: Consumer's IP blocklisted consumer_messaging: 'Security Alert: We detected some unusual activity and as a result, this transaction was blocked. To protect consumers and merchants, Trustly employs risk mitigation and fraud prevention tools to spot suspicious activity. Please see Trustly''s FAQs for further information on Trustly''s risk decisioning process.' - status: SW055 reason_code: 5 extended_reason_code: '50005' meaning: Consumer's geo location blocklisted consumer_messaging: 'Security Alert: We detected some unusual activity and as a result, this transaction was blocked. To protect consumers and merchants, Trustly employs risk mitigation and fraud prevention tools to spot suspicious activity. Please see Trustly''s FAQs for further information on Trustly''s risk decisioning process.' - status: SW055 reason_code: 5 extended_reason_code: '50006' meaning: 'Uncollected debt: NSF' consumer_messaging: Transaction unsuccessful. We are unable to complete your transaction because one or more of the consumer's previous transaction(s) were not successful and funds are owed to Trustly. Please request the consumer to contact Trustly to pay for previous transactions to continue. - status: SW055 reason_code: 5 extended_reason_code: '50007' meaning: 'Uncollected debt: Admin' consumer_messaging: Transaction unsuccessful. We are unable to complete your transaction because one or more of the consumer's previous transaction(s) were not successful as there was an error with bank. Please request the consumer to 1) contact Trustly to pay for previous transactions to continue, 2) login to the bank account again. - status: SW055 reason_code: 5 extended_reason_code: '50008' meaning: 'Uncollected debt: SUF' consumer_messaging: Transaction unsuccessful. We are unable to complete your transaction because one or more of the consumer's previous transaction(s) were not successful and funds are owed to Trustly. Please request the consumer to contact Trustly to pay for previous transactions to continue. - status: SW055 reason_code: 6 extended_reason_code: '60000' meaning: Consumer's on sanctions list consumer_messaging: 'Security Alert: We detected some unusual activity and as a result, this transaction was blocked. To protect consumers and merchants, Trustly employs risk mitigation and fraud prevention tools to spot suspicious activity. Please see Trustly''s FAQs for further information on Trustly''s risk decisioning process.' - status: SW055 reason_code: 7 extended_reason_code: '70000' meaning: Consumer's on IP sanctions list consumer_messaging: 'Security Alert: We detected some unusual activity and as a result, this transaction was blocked. To protect consumers and merchants, Trustly employs risk mitigation and fraud prevention tools to spot suspicious activity. Please see Trustly''s FAQs for further information on Trustly''s risk decisioning process.' - status: SW055 reason_code: 8 extended_reason_code: '80000' meaning: Consumer blocklisted by 3rd Party consumer_messaging: 'Security Alert: We detected some unusual activity and as a result, this transaction was blocked. To protect consumers and merchants, Trustly employs risk mitigation and fraud prevention tools to spot suspicious activity. Please see Trustly''s FAQs for further information on Trustly''s risk decisioning process.' - status: SW055 reason_code: 16 extended_reason_code: '160000' meaning: Unable to communicate reason consumer_messaging: 'Transaction unsuccessful: We''re sorry. The transaction could not be completed and no further data is available.' - status: SW056 reason_code: 9 extended_reason_code: '90000' meaning: Unsupported business bank account consumer_messaging: 'Invalid Account: To comply with Federal, state, or local regulations, Trustly does not currently support this type of account.' - status: SW056 reason_code: 10 extended_reason_code: '100000' meaning: Unsupported non-checking bank account consumer_messaging: 'Invalid Account: To comply with Federal, state, or local regulations, Trustly does not currently support this type of account.' - status: SW057 reason_code: 11 extended_reason_code: '110000' meaning: Expired/Revoked Split Token consumer_messaging: 'Transaction unsuccessful: We''re sorry. The transaction could not be completed because of a technical error on the bank''s side.' - status: SW057 reason_code: 11 extended_reason_code: '110001' meaning: New authentication required due to suspicious activity consumer_messaging: 'Transaction unsuccessful: We''re sorry. The transaction could not be completed because of a technical error on the bank''s side.' suggested_actions: - status: SW054 reason_code: 1 action: Please try again later or use a different bank account. - status: SW054 reason_code: 2 action: Please ensure the user is using their own financial institution that matches with the merchant info. - status: SW054 reason_code: 3 action: Refer to consumer messaging. - status: SW054 reason_code: 4 action: Refer to consumer messaging. - status: SW054 reason_code: 15 action: Please ensure that the beneficiary country is not listed among the prohibited countries for international money transfers. - status: SW055 reason_code: 5 action: Please contact Trustly's merchant support team if the user escalates. - status: SW055 reason_code: 6 action: Refer to consumer messaging. - status: SW055 reason_code: 7 action: Please ensure the user is coming from a non-sanctioned country. - status: SW055 reason_code: 8 action: Please contact Trustly's merchant support team if the user escalates. - status: SW056 reason_code: 9 action: Please prompt the user to use a personal debitable account. - status: SW056 reason_code: 10 action: Prompt the user to use a personal debitable account. - status: SW057 reason_code: 11 action: Please prompt the user to log in again. ach_returns: range: R01 to R84 note: standard NACHA ACH return codes; not enumerated on the page eft_decline_codes_canada: - code: '900' meaning: Account information incorrectly entered - code: '901' meaning: Insufficient Funds - code: '902' meaning: Account not Found - code: '903' meaning: Payment Stopped/Recalled - code: '904' meaning: Post/Stale Dated - code: '905' meaning: Account Closed - code: '907' meaning: No Debit Allowed - code: '908' meaning: Funds Not Cleared - code: '909' meaning: Currency or Account Mismatch - code: '910' meaning: Payor or Payee Deceased - code: '911' meaning: Account Frozen - code: '912' meaning: Invalid or Incorrect Account No - code: '914' meaning: Incorrect Payor or Payee Name - code: '915' meaning: No Agreement Existed - Business or Personal Refused - code: '916' meaning: Not in accordance with Agreement - Personal - code: '917' meaning: Agreement Revoked - Personal - code: '918' meaning: No Confirmation or Pre-Notification - Personal - code: '919' meaning: Not in accordance with Agreement - Business - code: '920' meaning: Agreement Revoked - Business - code: '921' meaning: No Pre-Notification - Business - code: '922' meaning: Customer Initiated Return - Credit Only - code: '990' meaning: Institution in Default - code: '996' meaning: Chargeback uk_direct_debit_returns: - code: ARUCS_0 meaning: Invalid details - code: ARUCS_2 meaning: Beneficiary deceased - code: ARUCS_3 meaning: Account transferred - code: ARUCS_5 meaning: No account - code: ARUCS_B meaning: Account closed - code: ARUCS_C meaning: Requested by remitter - code: AWACS_0 meaning: Invalid details - code: AWACS_3 meaning: Account transferred - code: ARUDD_0 meaning: Refer to payer (basically means out of funds) - code: ARUDD_2 meaning: Payer deceased - code: ARUDD_3 meaning: Account transferred - code: ARUDD_4 meaning: Advance notice disputed - code: ARUDD_5 meaning: No account (or wrong account type) - code: ARUDD_6 meaning: No instruction - code: ARUDD_7 meaning: Amount differs (disputed amount) - code: ARUDD_8 meaning: Amount not yet due (in case payment is sent before DDI confirmed) - code: ARUDD_9 meaning: Presentation is overdue - code: ARUDD_A meaning: Service User differs (Details dont match DDI) - code: ARUDD_B meaning: Account closed - code: ADDACS_0 meaning: Instruction canceled refer to Payer - code: ADDACS_1 meaning: Instruction canceled by Payer - code: ADDACS_2 meaning: Payer Deceased - code: ADDACS_3 meaning: Account transferred to new bank - code: ADDACS_B meaning: Account closed - code: ADDACS_C meaning: Account transferred to new branch - code: ADDACS_D meaning: Advance notice disputed - code: ADDACS_E meaning: Instruction amended - code: ADDACS_R meaning: Instruction re-instated - code: AUDDIS_1 meaning: Instruction Canceled by Payer - code: AUDDIS_2 meaning: Payer deceased - code: AUDDIS_3 meaning: Account transferred - code: AUDDIS_5 meaning: No Account - code: AUDDIS_6 meaning: No instruction - code: AUDDIS_C meaning: DDI amount not zero - code: AUDDIS_F meaning: Invalid account type - code: AUDDIS_G meaning: PSP will not accept DD on account - code: AUDDIS_H meaning: Instruction expired - code: AUDDIS_I meaning: Payer Reference not unique - code: AUDDIS_K meaning: Instruction cancelled by paying PSP - code: AUDDIS_L meaning: Incorrect payers account details - code: AUDDIS_M meaning: Trx code/user status incompatible - code: AUDDIS_N meaning: Trx not allowed at payers branch - code: AUDDIS_O meaning: invalid reference - code: AUDDIS_P meaning: Payer's name not present - code: AUDDIS_Q meaning: Service users name blank - code: DDICA_1 meaning: Amount differs - code: DDICA_2 meaning: No advance notice received by payer - code: DDICA_3 meaning: DDI canceled by bank - code: DDICA_4 meaning: Payer has canceled DDI with Service User - code: DDICA_5 meaning: No instruction held - code: DDICA_6 meaning: Signature fraudulent - code: DDICA_7 meaning: Claim raised at Service User Request - code: DDICA_8 meaning: Service user name disputed, payer does not recognize counts: decline_codes: 13 extended_reasons: 33 eft: 23 tdd: 53