generated: '2026-07-24'
method: searched
source: >-
  https://help.zepto.money/en/articles/5633407-au-transaction-failure-responses
  and https://docs.zeptopayments.com/docs/sandbox-simulations
envelope:
  note: >-
    Failure/reason codes appear on a failed payment/payout transaction as a
    reason code. In sandbox, magic payment amounts trigger each code (see
    sandbox/zepto-payments-sandbox.yml). Codes are grouped by rail: DE Debit
    (E2xx), DE Credit (E1xx), and NPP Credit (E3xx).
masked_to_buyers: false
decline_codes:
  # DE Debit failures (E2xx) — sandbox trigger amount $2.xx
  - code: E201
    rail: de-debit
    meaning: Invalid BSB Number — the BSB is not valid or is no longer active.
    retryable: false
  - code: E202
    rail: de-debit
    meaning: Payment Stopped — the target institution has blocked transactions to this account.
    retryable: false
  - code: E203
    rail: de-debit
    meaning: Account Closed — the target account is closed.
    retryable: false
  - code: E204
    rail: de-debit
    meaning: Customer Deceased — the target account's owner has been listed as deceased.
    retryable: false
  - code: E205
    rail: de-debit
    meaning: Account Not Found — the target account number is incorrect.
    retryable: false
  - code: E206
    rail: de-debit
    meaning: Refer to Customer — usually insufficient funds or a transaction limit breach.
    retryable: false
  - code: E208
    rail: de-debit
    meaning: Invalid UserID — contact Zepto for further information.
    retryable: false
  - code: E209
    rail: de-debit
    meaning: Technically Invalid — account not debitable or failure cannot be categorized within standard BECS return codes.
    retryable: false
  - code: E250
    rail: de-debit
    meaning: Voided By Admin — the transaction was voided by an administrator.
    retryable: false
  - code: E251
    rail: de-debit
    meaning: Voided By Initiator — the transaction was voided by its initiator.
    retryable: false
  - code: E252
    rail: de-debit
    meaning: Insufficient Funds — there were insufficient funds to complete the transaction.
    retryable: false
  - code: E253
    rail: de-debit
    meaning: System Error (DE Debit) — the transaction was unable to be completed.
    retryable: true
  - code: E299
    rail: de-debit
    meaning: Unknown DE Error.
    retryable: false
  # DE Credit failures (E1xx) — sandbox trigger amount $1.xx
  - code: E101
    rail: de-credit
    meaning: Invalid BSB Number.
    retryable: false
  - code: E102
    rail: de-credit
    meaning: Payment Stopped — the target institution has blocked transactions.
    retryable: false
  - code: E103
    rail: de-credit
    meaning: Account Closed.
    retryable: false
  - code: E104
    rail: de-credit
    meaning: Customer Deceased.
    retryable: false
  - code: E105
    rail: de-credit
    meaning: Account Not Found.
    retryable: false
  - code: E106
    rail: de-credit
    meaning: Refer to Customer — issue with the account receiving credit requiring customer resolution.
    retryable: false
  - code: E108
    rail: de-credit
    meaning: Invalid UserID.
    retryable: false
  - code: E109
    rail: de-credit
    meaning: Technically Invalid.
    retryable: false
  - code: E150
    rail: de-credit
    meaning: Voided By Admin.
    retryable: false
  - code: E151
    rail: de-credit
    meaning: Voided By Initiator.
    retryable: false
  - code: E153
    rail: de-credit
    meaning: System Error (DE Credit) — the transaction was unable to complete.
    retryable: true
  - code: E199
    rail: de-credit
    meaning: Unknown DE Error.
    retryable: false
  # NPP Credit failures (E3xx) — sandbox trigger amount $3.xx
  - code: E301
    rail: npp-credit
    meaning: Upstream Network Outage — an upstream network issue occurred.
    retryable: true
  - code: E302
    rail: npp-credit
    meaning: BSB Not NPP Enabled — the target BSB is not NPP enabled.
    retryable: false
  - code: E303
    rail: npp-credit
    meaning: Account Not NPP Enabled — the target account cannot accept funds via NPP.
    retryable: false
  - code: E304
    rail: npp-credit
    meaning: Account Not Found — the target account number cannot be found.
    retryable: false
  - code: E305
    rail: npp-credit
    meaning: Intermittent Outage At Target Institution.
    retryable: true
  - code: E306
    rail: npp-credit
    meaning: Account Closed.
    retryable: false
  - code: E307
    rail: npp-credit
    meaning: Target Institution Offline — undergoing maintenance.
    retryable: true
  - code: E308
    rail: npp-credit
    meaning: Account Blocked — cannot receive funds.
    retryable: false
  - code: E399
    rail: npp-credit
    meaning: Unknown NPP Error.
    retryable: false
related:
  - https://docs.zeptopayments.com/docs/pay-to-reason-codes
  - https://docs.zeptopayments.com/docs/pay-to-unprocessable-codes