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Direct debit deposit error codes

To help you handle exceptions systematically, this page provides a comprehensive list of all possible errors and detailed descriptions when you retrieve a direct debit deposit from Linked Accounts with a failure status (one of REJECTED or REVERSED) via Get a list of deposits API or Get a deposit by ID API, after receiving a webhook event.

For a direct debit deposit with a failure status, the response contains a failure_details object with:

  • code: Error code for this direct debit deposit
  • iso_code: Error code according to ISO 20022 standards
  • provider_failure_details: If the error originated from the local clearing system, the response will contain this object with:

    • local_clearing_system: name of the direct debit scheme e.g. United Kingdom Bacs (UK_BACS)
    • code: error code directly from the clearing system
    • message: error message directly from the clearing system

We recommend using the Airwallex error code or the iso_code for systematic exception handling. The code from provider_failure_details can be used for troubleshooting against the clearing system rules, but it is not advised for systematic handling because the clearing system may update it from time to time.

General error codes with example response

A general error occurs when the request to Create a deposit via Direct Debit API fails Airwallex’s review or validation, before it is sent to the local clearing system. The deposit will result in the REJECTED status. As mentioned above, the response will not contain the provider_failure_details object since the error is from Airwallex.

codeiso codedescription
regulatory_reasonRR04The transaction is rejected for regulatory reasons. Contact your account manager for further information.
invalid_dateDT01For GB_BACS_DEBIT, you can only create one direct debit deposit per business day for each Linked Account. Please retry the next business day.
syntax_errorFF02The direct debit deposit creation is rejected for general validation errors (e.g. the field contains special characters). Contact your account manager for further information.
insufficient_fundsAM04The available balance in the Linked Account is insufficient. Please ensure funds are added to the Linked Account and retry.
amount_exceeds_agreed_limitAM14Deposit amount exceeds the remaining Direct Debit or Faster Direct Debit limit.
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Clearing system error codes with example response

The failure_details of a clearing system error contains an additional provider_failure_details object in comparison to the response for a general error. A clearing system error will result in a deposit being REJECTED or REVERSED. Like in the example below, it specifies the clearing system (one of AU_BECS, GB_BACS, US_ACH, EU_SEPA and CA_EFT), and the clearing system's error code and message.

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Australia BECS error codes

codeiso codeprovider failure details codedescription
transaction_forbiddenAG01002The payer requests to stop all direct debit transactions. Contact the payer or payer’s bank for further information.
closed_account_numberAC04003The payer’s bank account is closed. Contact the payer to reopen the account, or create a new mandate to charge a different bank account.
end_customer_deceasedMD07004You cannot create a direct debit against the payer’s bank account because the payer is deceased. Contact the payer’s bank for further instructions.
incorrect_account_numberAC01005The payer’s bank account number is invalid. Please confirm the account number with the payer.
refer_to_payerNARR006Contact the payer or payer’s bank for further information.
otherNARR009Reason has not been specified. Contact the payer or payer’s for further information.

United Kingdom Bacs error codes

codeiso codeprovider failure details codedescription
refer_to_payerNARR0Contact the payer or payer’s bank for further information.
requested_by_customerCUST1Instruction is cancelled by the payer. Contact the payer for further information.
end_customer_deceasedMD072You cannot create a direct debit against the payer’s bank account because the payer is deceased. Contact the payer’s bank for further instructions.
account_transferredNARR3The payer’s bank account has been transferred to a new bank. You must create a new mandate with the payer.
advance_notice_disputedNARR4The payer disputes the time, amount or frequency of the advance notice and has requested to return/reject this direct debit. You should not create further direct debits under this mandate until the dispute has been resolved.
invalid_debtor_account_numberAC025The payer’s bank account number is invalid. Please confirm the account number with the payer.
no_mandateMD016The direct debit mandate is not present. Please confirm that the payer or payer's bank has not cancelled the mandate before contacting your account manager for further information.
wrong_amountAM097The payer disputes that the debit amount differs from the amount agreed or expected.
collection_not_dueMD058The payer claims the debit date is prior to the date specified in the advance notice. Contact your account manager for further information.
presentation_overdueNARR9The payer claims the debit date is later than the date specified in the advance notice. Contact your account manager for further information.
closed_debtor_account_numberAC05BThe payer’s bank account is closed. Contact the payer to reopen the account, or create a new mandate to charge a different bank account.

United States ACH error codes

codeiso codeprovider failure details codedescription
insufficient_fundsAM04R01The balance in the Linked Account is insufficient. Please ensure funds are added to the Linked Account and retry.
closed_account_numberAC04R02The payer’s bank account is closed. Contact the payer to reopen the account, or create a new mandate to charge a different bank account.
inconsistent_with_end_customerBE01R03Unable to identify the account information (e.g. routing number, account number, account name) of the payer. Please confirm the account information with the payer.
incorrect_account_numberAC01R04The payer’s bank account number is invalid (e.g. format of the account number specified is not correct). Please confirm the account number with the payer.
transaction_not_supportedAG03R05The debit was sent to a consumer account, but the payer hasn’t authorised the debit. Contact the payer for further information.
unsuccessful_direct_debitAG07R07The payer who authorised the debit has revoked the authorisation. Contact the payer for further information.
order_cancelledDS02R08The payer has placed a stop payment order on this debit. Contact the payer for further information.
blocked_amountAM07R09The available balance in the Linked Account is insufficient. Please ensure funds are added to the Linked Account and retry. Although the ledger balance of the external bank account is sufficient to cover the transaction amount (including fees), the available balance is below the dollar value of the debit. This may be due to pending transactions.
transaction_forbiddenAG01R10The payer’s bank has been notified by the payer that the debit is unauthorised, improper ineligible, or part of an incomplete transaction. Contact the payer or payer’s bank for further information.
account_transferredNARRR12The payer’s bank account was sold or transferred to another bank. Contact the payer or payer’s bank for further information.
invalid_clearing_system_member_identifierRC08R13The ACH routing number of the payer’s bank is invalid. Contact the payer or payer’s bank for further information.
end_customer_deceasedMD07R14, R15You cannot create a direct debit against the payer’s bank account because the payer is deceased, or unable to continue in that capacity (e.g. a legally incapacitated adult). Contact the payer’s bank for further instructions.
blocked_accountAC06R16The bank account has been blocked for ACH direct debits. Contact the payer to remove the block, or create a new mandate to charge a different bank account.
invalid_file_formatFF01R17The payer’s bank is unable to process certain fields in the transaction file. Contact the payer’s bank for further information.
transaction_forbiddenAG01R20The debit was sent to a non-transaction account, i.e., an account against which transactions are limited or prohibited. Contact the payer to remove the limit, or create a new mandate to charge a different bank account.
missing_debtor_account_or_identificationRR01R22The payer’s bank has been notified by the payer that the identification number specified by the recipient is invalid. Contact the payer or payer’s bank for further instructions.
duplicationAM05R24The date, dollar amount, trace number, and other data matches another transaction. Contact your account manager for further information.
invalid_cheque_numberFF09R28The check digit provided for the routing number is invalid. Contact your account manager for further information.
transaction_forbiddenAG01R29The payer’s bank has been notified by payer that the debit is unauthorised, improper ineligible, or part of an incomplete transaction. Contact the payer or payer’s bank for further information.
permissible_return_entryNARRR31The payer may return a direct debit that the recipient agrees to accept. Contact the payer to create a new mandate to charge a different bank account.
settlement_failedED05R32Settlement of the transaction has failed. Contact the payer’s bank for the failure reason.
limited_participation_dfiNARRR34The federal or state supervisor of the payer’s bank has limited their participation. Contact the payer or payer’s bank for further information.
collection_not_dueMD05R35The debit request is not permitted for loan accounts or CIE Entries. Contact the payer to provide a new bank account.
misrouted_returnNARRR61The bank preparing the return request placed an incorrect recipient identification number. Contact the payer’s bank for further information.
erroneous_debitNARRR62The payer bank’s use of the reversal process has resulted in, or failed to correct, an unintended credit to the recipient. Contact the payer’s bank to resolve the issue.

Europe SEPA error codes

codeiso codeprovider failure details codedescription
incorrect_account_numberAC01AC01The payer’s bank account number is invalid. Please confirm the account number with the payer.
closed_account_numberAC04AC04The payer’s bank account is closed. Contact the payer to reopen the account, or create a new mandate to charge a different bank account.
blocked_accountAC06AC06The bank account has been blocked for SEPA direct debits. Contact the payer to remove the block, or create a new mandate to charge a different bank account.
transaction_forbiddenAG01AG01SEPA direct debits cannot be created under the payer’s bank account type. Contact the payer or payer’s bank for further information.
not_allowed_amountAM02AM02The payer sets a limit with its bank and the direct debit deposit amount is greater than the limit.
insufficient_fundsAM04AM04The balance in the Linked Account is insufficient. Please ensure funds are added to the Linked Account and retry.
duplicationAM05AM05A duplicate direct debit deposit has been created. Make sure you have not submitted duplicate deposits before contacting your account manager for further information.
debtor_bank_is_not_registeredDNORDNORThe payer’s bank is not registered as a clearing system member (CSM) in the SEPA direct debit system. Contact the payer’s bank for further information.
settlement_failedED05ED05The settlement of the transaction has failed. Contact the payer’s bank for the failure reason.
no_mandateMD01MD01The direct debit mandate is not present. Please confirm that the payer or payer's bank has not cancelled the mandate before contacting your account manager for further information.
end_customer_deceasedMD07MD07You cannot create a direct debit against the payer’s bank account because the payer is deceased. Contact the payer’s bank for further instructions.
not_specified_reason_customer_generatedMS02MS02The payer refuses the direct debit after receiving the pre-notification. Reason has not been specified. Contact the payer for further information.
not_specified_reason_agent_generatedMS03MS03Rejection or return reason has not been specified by the payer’s bank, usually due to data protection concerns. Contact the payer’s bank for further information.
bank_identifier_incorrectRC01RC01The payer’s BIC code is invalid. Please confirm the BIC with the payer.
missing_debtor_account_or_identificationRR01RR01Specification of the payer’s IBAN or unique identification needed for regulatory requirements is insufficient. Contact your account manager for further information.
missing_debtor_name_or_addressRR02RR02Specification of the payer’s name, or address needed for regulatory requirements is insufficient. Contact your account manager for further information.
regulatory_reasonRR04RR04The transaction is rejected or returned for regulatory reasons. Contact your account manager for further information.
specific_service_offered_by_debtor_agentSL01SL01The direct debit conflicts with specific account instructions placed by the payer's bank. E.g. Direct debit frequency limitation. Contact the payer's bank for further information.
debtor_bank_not_permitted_to_receive_direct_debitsNARRXT79The payer’s bank is not allowed to receive direct debits. Contact the payer’s bank for further information.
invalid_use_of_bicNARRXT90Non-SEPACOM participants cannot send direct debit instructions to the payer's bank. Contact the payer's bank for further information.
bank_not_part_of_closed_user_groupNARRXT91Non-SEPACOM participants cannot send direct debit instructions to the payer's bank. Contact the payer's bank for further information.

Canada EFT error codes

codeiso codeprovider failure details codedescription
incorrect_bank_account_informationNARR900The bank account information specified in the request is incorrect. Please confirm the account information with the payer before contacting your account manager for further information.
insufficient_fundsAM04901The available balance in the Linked Account is insufficient. Please ensure funds are added to the Linked Account and retry.
invalid_debtor_account_numberAC02902The payer’s bank account number is invalid. Please confirm the account number with the payer.
order_cancelledDS02903The payer has placed a stop payment order on this debit. Contact the payer for further information.
closed_debtor_account_numberAC05905The payer’s bank account is closed. Contact the payer to reopen the account, or create a new mandate to charge a different bank account.
no_debit_allowedNARR907The payer’s bank account is not allowed to receive direct debits. Contact the payer’s bank for further information.
unsuccessful_direct_debitAG07908The payer's bank account has pending funds that have not cleared yet. Contact the payer’s bank for further information.
currency_account_mismatchNARR909The currency of the direct debit does not match the currency of the payer’s bank account. Contact the payer ot payer’s bank for further information.
end_customer_deceasedMD07910You cannot create a direct debit against the payer’s bank account because the payer is deceased. Contact the payer’s bank for further instructions.
blocked_accountAC06911The bank account has been blocked for EFT direct debits. Contact the payer to remove the block, or create a new mandate to charge a different bank account.
incorrect_account_numberAC01912The payer’s bank account number is invalid. Please confirm the account number with the payer.
missing_nameBE21914The payer's name on the transaction does not match the account holder’s name.
no_mandateMD01915The direct debit mandate is not present. Please confirm that the payer or payer's bank has not cancelled the mandate before contacting your account manager for further information.
not_in_accordance_with_mandateNARR916, 919The payer has requested to return/reject the direct debit as it was not issued in accordance with the mandate. Contact the payer for further information.
mandate_revokedNARR917, 920The payer who authorised the debit has revoked the authorisation. You should not create further direct debits under this mandate until the issue has been resolved.
missing_pre_notificationNARR918, 921The payer has requested to return/reject the direct debit as they have not received the pre notification. You should not create further direct debits under this mandate until the issue has been resolved.
institution_in_defaultNARR990The payer’s bank is facing insolvency or bankruptcy. Contact the payer’s bank for further information.
On this page
  • General error codes with example response
  • Clearing system error codes with example response