generated: '2026-07-24'
method: searched
source: https://docs.vopay.com/docs/return-codes
note: EFT return/reject codes surfaced on failed or returned transactions. Appear
  on the transaction webhook (ErrorCode/FailureReason) and transaction status responses.
  Complements errors/vopay-error-codes.yml (API-level errors).
envelope_field: ErrorCode / FailureReason
rails:
- EFT
- Interac e-Transfer
- ACH
- RTP
decline_codes:
- code: '900'
  meaning: "Edit Reject \u2014 file failed validation (formatting, missing mandatory\
    \ fields, invalid institution/transit/account number)."
  action: Fix and resubmit
- code: '901'
  meaning: "NSF \u2014 non-sufficient funds (fund transactions only)."
  action: Retry later or use another method
- code: '902'
  meaning: "Cannot Trace \u2014 original transaction could not be located."
  action: Verify original transaction
- code: '903'
  meaning: Payment Stopped / Recalled.
  action: Contact payer
- code: '904'
  meaning: "Post / Stale Dated \u2014 value date outside acceptable range."
  action: Resubmit with valid date
- code: '905'
  meaning: Account Closed.
  action: Obtain a new account
- code: '907'
  meaning: "No Debit Allowed \u2014 account does not permit debits."
  action: Use a different account
- code: '908'
  meaning: "Funds Not Cleared \u2014 ledger balance exists but funds not yet available."
  action: Retry later
- code: '909'
  meaning: Currency / Account Mismatch.
  action: Correct account/currency
- code: '910'
  meaning: Payor / Payee Deceased.
  action: Stop collection
- code: '911'
  meaning: Account Frozen.
  action: Contact payer
- code: '912'
  meaning: Invalid / Incorrect Account Number.
  action: Correct account number
- code: '914'
  meaning: Incorrect Payor / Payee Name.
  action: Correct name
- code: '915'
  meaning: "PAD No Agreement Existed \u2013 Business / Personal."
  action: Obtain PAD agreement
- code: '916'
  meaning: "PAD Not In Accordance with Agreement \u2013 Personal."
  action: Review PAD agreement
- code: '917'
  meaning: "PAD Agreement Revoked \u2013 Personal."
  action: Stop collection
- code: '918'
  meaning: "PAD No Pre-Notification \u2013 Personal."
  action: Send pre-notification
- code: '919'
  meaning: "PAD Not In Accordance with Agreement \u2013 Business."
  action: Review PAD agreement
- code: '920'
  meaning: "PAD Agreement Revoked \u2013 Business."
  action: Stop collection
- code: '921'
  meaning: "PAD No Pre-Notification \u2013 Business."
  action: Send pre-notification
- code: '988'
  meaning: Paylink Declined by Receiver.
  action: Contact receiver
- code: '989'
  meaning: Information Not Provided by the Bank.
  action: Retry / contact support
- code: '990'
  meaning: Institution in Default.
  action: Use another institution