Analyzing the reason for rejection
The reason for rejection is transmitted in the vads_auth_result field.
This field is set to:
- 00 when the payment is accepted,
- one of the values below when the payment is refused:
Returned codes for SEPA Credit Transfer:
| Codes | Description |
|---|---|
| 00 | The payment is accepted. |
| 80 | AC01: The account number is either invalid or does not exist. Incorrect IBAN/BIC, or account currency different from euro. |
| 81 | AC04: The account is closed and cannot be used. |
| 82 | AC06: The account is blocked and cannot be used. |
| 83 | AG01: Transaction forbidden for this type of account. E.g.: savings account. |
| 84 | AM18: The number of transactions exceeds the acceptance limit of the Account Servicing Payment Service Provider (ASPSP). |
| 85 | CH03: The requested execution date is too far in the future. |
| 86 | CUST: The reject is due to the debtor: refusal or insufficient funds. |
| 87 | DS02: An authorized user has cancelled the order. |
| 88 | FF01: The reject is due to the original payment request which is invalid (syntax, structure or values). |
| 89 | FRAD: The payment request is considered as fraudulent. |
| 90 | MS03: No reason specified by the Account Servicing Payment Service Provider (ASPSP). |
| 91 | NOAS: The PSU has neither accepted nor rejected the payment request and the time-out period has expired. |
| 92 | RR01: The account and/or debtor identification is missing or inconsistent. |
| 93 | RR03: Specification of the creditor’s name and/or address needed for regulatory requirements is incomplete or missing. |
| 94 | RR04: Rejection for regulatory reasons. |
| 95 | RR12: Invalid or missing identification required for a particular country or payment type. |
| 96 | DUPL: Duplicate operation. |
| 97 | TECH: Technical error |