Bank rails
Instant Payments

Request and response codes

13min

Payment status

See the payment status in the status field of Instant Payment responses. Status of an instant payment.

Status

Description

Created

The initial status of inbound and outbound payments

Pending

Outbound - payment is being validated prior to submission to the RTP network Inbound - payment has been received transaction is being authorized

Processing

Outbound - payment has been submitted to the Instant Payments network Inbound - payment has been authorized and is waiting confirmation from the Instant Payments Network that transaction has processed successfully

Completed*

Outbound- Payment was accepted and received by the receiving institution Inbound- Payment has been accepted and received For credit transfers, completed also means the payment has posted successfully

Rejected*

Inbound - payment was automatically or manually rejected Outbound - the receiving institution or the RTP Network rejected the payment Reason Code for the rejection can be found in Result.Code on the payment

Canceled*

An outbound payment initiated by an internal user and canceled while in a hold status. A payment may only be canceled while either in a Hold or ResearchRequired status.

Hold

The payment is currently on hold and being reviewed by the Operations Team

TimedOut*

A payment was not acknowledged within the SLA with The Clearing House

Failed*

The payment has failed due to technical reasons

Finalizing

Payment is in process of posting to an account

ResearchRequired

Response to an outbound payment was not received and manual review of the payment is required to determine if the payment should be canceled or completed

*A final status for a payment

Payment types

This value appears in the paymentType field in Instant Payments responses. The paymentType value tells you details about the transaction.

Type

Description

CreditTransfer

Payment sent by a Debtor FI to a Creditor FI

ReturnRequest

The originator of the original payment is requesting the funds be returned. This is a non-monetary transaction.

ReturnResponse

Response to a Return of Funds request. This is a non-monetary transaction. The actual money movement to return funds would be done in another payment as a credit transfer. This is a non-monetary transaction

SystemTimeout

Notification to the Creditor FI that a Credit Transfer has timed-out This is a non-monetary transaction

RemittanceAdvice*

The ability for the Debtor to send stand-alone remittance information to the Creditor and the ability for the Creditor to send detailed invoice information to the Debtor (B2B or B2C) This is a non-monetary transaction

RequestForInformation*

Used to request additional details related to a Credit Transfer or a Request for Payment that has been received This is a non-monetary transaction

PaymentAck*

A Creditor may use a Payment Acknowledgement to acknowledge a Credit Transfer has been received and applied A Creditor FI must use a Payment Acknowledgement to confirm the funds associated with a Credit Transfer previously accepted without posting (ACWP transaction status), has posted to the Creditor’s account This is a non-monetary transaction

RequestForInformationResponse*

Used by the sender to provide the requested additional information in the form of an amendment to the original Request for Payment or Credit Transfer This is a non-monetary transaction

Unknown

Payment type was not recognized

*This payment type is not currently supported

Network platform

Network Platform

Description

TCH

The pacs.008 credit transfer is routed through the RTP via TCH network

FedNow

The pacs.008 credit transfer is routed through the FedNow network

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If no network platform is specified, CR uses implicit routing to try a network based on partner configuration and routing number availability

RTP via TCH and FedNow error codes

RTP via TCH and FedNow return their own, specific error codes. See the error codes value in the result.code field of the response.

RTP via TCH response reject codes

Code

Description

AC04

Closed Account Number

AM04

Insufficient Funds

ARDT

Already Returned

CUST

Customer Decision

LEGL

Legal Decision

NOAS

No Answer From Customer

NOOR

No Original Transaction Received

FedNow response reject codes

Refer to the ISO 20022 External Code Set on the ISO website for additional information on FedNow response reject codes.

Error Code

Error Description

E301

Report request failed. Review request, update and resubmit as needed.

E400

ISO message does not exist, can resend with same message ID (or new message ID).

E401

Sender of the payment status request is not authorized to receive transaction status.

E402

Original ISO message referenced was not processed; resend with new unique message ID.

E411

Transaction is still processing; retry after timeout clock has elapsed.

E481

Invalid dates included in the reporting from date and/or to date fields.

E500

Internal processing error; contact FRB Service Support Center.

E600

Balance inquiry is not allowed for this account or by this Participant.

E760

Invalid response sender and receiver. Response sender and receiver must match original transfer request.

E890

Pending transaction status is not valid for this message.

E891

Finalized transaction status is not valid for this message.

E960

Internal error. Contact FRB Services Support Center for details.

E970

Invalid settlement relationship. Sender FI and Receiver FI must have a valid settlement relationship within the FedNow Service to indicate the appropriate Master Account to which transactions will be settled.

E974

Internal processing error; contact FRB Service Support Center.

E980

Invalid FedNow Service profile for the Sender FI RTN. As a result, the RTN is not eligible to send this message type.

E981

Invalid FedNow Service profile for the Receiver FI RTN. As a result, the Receiver FI RTN is not eligible to receive this message type.

E982

Sender FI or Receiver FI does not have a Participant Profile enabled to send and/or receive instant payments;

or Receiver FI does not have a Participant Profile enabled to receive Request for Payment (RfP) messages.

E983

Liquidity Management Transfers (LMTs) were sent outside of supported hours. LMTs can be sent only during specified LMT operating hours.

E984

Sender FI or Receiver FI does not have a Participant Profile enabled for the indicated RTN to send and/or receive LMTs.

E990

Invalid transaction limit. Transaction exceeds the FedNow Service transaction limit, or a lower limit set by the Sender FI.

E996

Reserved response timeout. Insufficient time remains on the payment timeout clock to accommodate Receiver FI reserved response time.

E997

Timeout clock has expired. Processing of the transaction exceeded the payment timeout clock.

E998

  • Receiver FI is not signed onto the FedNow Service and therefore cannot receive instant payments.
  • Sender FI and/or Receiver FI is not yet active on the FedNow Service.

E999

ISO message has a creation date or timestamp that is in the future from when it was received by the FedNow Service. This is not allowed.

T501

ISO message exceeds the maximum allowable size of 25,000 characters.

T504

Invalid clearing system member ID field. The ID in the “to” component should be the FedNow Service member ID (e.g., "021150706").

T505

ISO message does not meet the FedNow Service ISO 20022 message specifications for one or multiple fields.

T506

Invalid message definition identifier. This identifier should be associated with the underlying message and must be a version that FedNow Service supports.

T508

Business processing date/time element is not allowed in the ISO message. This element is used only by the FedNow Service.

T509

Copy duplicate element is not allowed in an ISO message sent by a Participant. This element is used only by the FedNow Service.

T510

Related element is not allowed in an ISO message sent by a Participant. This element is used only by the FedNow Service.

T512

Invalid message ID. A valid message ID must meet the following criteria:

  • Calendar date (CCYYMMDD) is the current date and aligned with the Business Application Header (BAH) date.
  • Connection Party ID (nine alphanumerical characters).
  • Reference sequence assigned by sender (up to 18 characters).

T514

Structured remittance information field exceeded the maximum length of 4,000 characters.

T515

Message contains both structured and unstructured remittance elements. The FedNow Service only allows one or the other within a single message.

T516

Invalid sending party or sending party information. A valid sending party is a Participant or a Service Provider that is authorized to send messages on behalf of the Participant.

T517

ISO message ID is a duplicate. The message ID must be unique.

T518

ISO message does not contain an original transaction ID or original UETR. The ISO message must contain one or both.

T519

ISO message does not contain a phone number in the preferred contact Method (PHON) field. A phone number must be provided when phone is the preferred contact method.

T520

ISO message does not contain a mobile number in the preferred contact method (CELL) field. A mobile number must be provided when cell is the preferred contact method.

T521

ISO message does not contain an email address in the preferred contact method (MAIL) field. An email address must be provided when mail is the preferred contact method.

T522

ISO message does not contain the required status reason code for the rejected transaction.

T523

Invalid transaction status code. ISO messages must include one of the following eligible codes:

ACTC

ACWP

ACCC

BLCK

PDNG

RJCT

T524

Invalid original message name identification. A valid ISO message name as permitted in the ISO 2022 message specification rules is required.

T525

Invalid original interbank settlement amount format. This amount must be:

  • Greater than $0
  • Maximum of two decimal places

T526

Insufficient information provided. When debtor of the return is a party, the debtor party, account and agent must be provided.

T527

Invalid local instrument. The local instrument specifies the FedNow Service product code under which the message is sent. The code should be FDNA.

T528

Invalid returned interbank settlement amount format. This amount must be:• Greater than $0.• Maximum of two decimal places.

T529

Invalid message signature on ISO 20022 message. For the signature to be valid, it must be signed with the key owner’s private key that corresponds to an active public key that was previously created and validated by the FedNow Service.

T530

Invalid country code. See the officially assigned code list on the ISO 20022 website (www.iso20022.org).

T532

Invalid interbank settlement amount format. This amount must be:

  • Greater than $0
  • Maximum of two decimal places

T533

Invalid compensation amount. This amount must be:

  • Greater than $0
  • Maximum of two decimal places

T534

ISO message does not contain the required transaction identification or UETR.

T535

Invalid category purpose field. This field must contain either CONS, BIZZ or GOVT.

T536

Insufficient information. If the ISO 20022 message used reason code is NARR, additional information or additional incorrect information must be present, as applicable.

T537

Key signature algorithm not supported.

T538

Account balance request cannot include a reporting period because the balance is as of a particular date and time.

T539

Account balance request must include the account type.

T540

If an account balance report (ABAR), account activity totals report (AATR or IATR) or an account activity details report (AADR) is requested, then the member identification field must be the FedNow Service Connection Party identifier of the requestor of the report(s) and must match the "From" field in BAH.

T542

Invalid Market Practice Identifier

T543

Invalid original message date. Original message date must be the current date or previous calendar date.

T544

Message referenced in admi.007 is not found

T545

Reporting Period and Account Type are not allowed for an intraday account activity totals report (IATR) or a correspondent intraday account activity totals report (CITR).

T546

Invalid Account ID for message type. A correspondent account activity totals report cannot be requested for a single RTN.

T547

Invalid status code. The status code must be TS02.

T548

Invalid charges amount format. This amount must be:

  • Greater than $0
  • Maximum of two decimal places

T550

Invalid status confirmation code for the return request response message. Must contain one of the following codes:

  • IPAY
  • RJCR
  • PDCR
  • PECR

T551

Cancellation Status Reason Information component is incorrect:

  • Reason code is required if status confirmation code is ‘RJCR.’
  • Only one instance of the Cancellation Status Reason Information component is allowed

T553

Proprietary under Reason cannot be populated.

T554

Invalid status code for the information request response message. Must be one of the following codes:

  • IPAY
  • IDUP
  • INFO
  • NINF
  • PDNG

T555

Incorrect format in fnclockstart field. Refer to the Technical Specification document for the correct format.

T556

Invalid Correction Transaction component in information request response message. If the correction transaction component is present, the status must be “IPAY.”

T557

If an (end-of-day) account activity totals report (AATR), an (end-of-day) account activity details report (AADR), a (end-of-day) correspondent account activity totals report (CATR), or a (end-of-day) correspondent account activity details report (CADR) is requested, then Reporting Period is mandatory, and Account Type is not allowed.

T558

Invalid Requested Message Name Identification in the camt.060 message. A valid ISO message name as permitted in the ISO 20022 message specification rules is required.

T560

Invalid Transaction Status Code. Must be one of the following codes:

  • ACTC
  • PRES
  • RJCT
  • RCVD

T561

The Status Reason Information component can only occur once

T562

The Business Service element in the BAH must not be used by participants

T563

Invalid Status Confirmation code. Must be one of the following codes:

  • CNCL
  • RJCR
  • PDCR

T565

If the Resolution Related Information is populated, the status must be IDUP

T566

If the Resolution Related Information is populated, the status must be either IPAY or PECR

T570

Invalid key encoding. The encoding algorithm must be one supported by the FedNow Service.

T571

Invalid key algorithm. The key algorithm must be one supported by the FedNow Service.

T572

Invalid encoded key. Unable to parse the key using the given encoding and key algorithms.

T573

Invalid key length

T574

Invalid key fingerprint

T575

Invalid key expiration. Keys with an expiration date greater than one year are not accepted by the FedNow Service.

T576

Duplicate key. All keys added must be unique.

T580

Event Time future dated

T581

Error in event code field. If Event Code-FPON/FPOF then Event Parameter must be 9-digit RTN. If Event Code-FPCD/FPCR then Event Parameter must be 7-digit Hexa decimal (connection point ID).

T584

At least one connection point must be connected per Connection party.

T600

Balance inquiry service not available at this time. Or balance inquiry not allowed for this account.

F101

Entry pair matches the Receiver FI’s fraud controls

F002

Entry pair matches an entry on the Sender FI’s Negative List with a send restriction

Reason codes

The reasonCode attribute in an Instant Payments response provides the reason a message did not complete. The resultCode will be OK if the payment was successfully sent or received.These codes are specifically for RTP via TCH.

Refer to the ISO 20022 External Code Set on the ISO website for additional information on FedNow reason codes.

Code

Description

650

Cannot parse the message

690

Signature mismatch or verification error

BLKD

Payment has been blocked

AC02

Debtor account Is Invalid

AC03

Creditor account Is Invalid

AC04

Account closed

AC06

Account is blocked

AC07

Creditor account closed

AC10

Debtor account currency is invalid or missing

AC11

Creditor account currency is invalid or missing

AC13

Debtor account type missing or invalid

AC14

Creditor account type missing or invalid

AG01

Transaction is forbidden on this type of account

AG03

Transaction type is not supported/authorized on this account

AGNT

Incorrect Agent

AM02

Specific transaction/message amount is greater than allowed maximum

AM04

Amount of funds available to cover specified message amount is insufficient

AM09

Amount received is not the amount agreed or expected

AM11

Transaction currency is invalid or missing

AM12

Amount is invalid or missing

AM13

Transaction amount exceeds limits set by clearing system

AM14

Transaction Amount exceeds limits agreed between bank and client

BE01

Inconsistent end customer (FedNow specific)

BE04

Specification of creditor's address, which is required for payment, is missing/not correct

BE06

End customer specified is not known at associated Sort/National Bank Code or no longer exist in the books

BE07

Specification of debtor's address, which is required for payment, is missing/not correct

BE10

Debtor country code is missing or invalid

BE11

Creditor country code is missing or invalid

BE13

Country code of debtor’s residence is missing or Invalid

BE14

Country code of creditor's residence is missing or Invalid

BE16

Debtor identification code missing or invalid

BE17

Creditor identification code missing or invalid

DS24

Waiting time expired due to incomplete order

DT04

Future date is not supported

DUPL

Payment is a duplicate of another payment

DS0H

Signer is not allowed to sign for this account

FF02

Syntax error reason is provided as narrative information in the additional reason information

FF03

Invalid Payment Type Information

FF08

End to End Id is missing or invalid

MD07

End customer is deceased

NARR

Reason is provided as narrative information in the additional reason information

RC01

Bank identifier code specified in the message has an incorrect format

RC02

Bank Identified is invalid or missing

RC03

Debtor FI identifier is invalid or missing

RC04

Creditor FI identifier is invalid or missing

RR04

Regulatory reason (FedNow-specific)

TM01

Invalid Cut Off Time

TK01

Invalid Token

TK02

Sender Token Not Found

TK03

Receiver Token Not Found

TK04

Token Expired

TK05

Token Found with Counterparty Mismatch

TK06

Token Found with Value Limit Rule Violation

TK07

Single Use Token Already Used

TK08

Token Suspended

NOAT

Receiving Customer Account does not support/accept this message type

OK

Completed

1100

Any Other Reasons Reason is provided as narrative in the additional information

9909

Central Switch (RTP) system malfunction

9910

Instructed Agent signed-off

9912

Recipient connection is not available

9934

Instructing Agent signed-off

9946

Instructing Agent suspended

9947

Instructed Agent suspended

9948

Central Switch (RTP) service is suspended

Transaction account context

TransactionAccountContext is a CR code used internally for additional details about the state of a payment, within a status. Use PaymentStatus to determine the status of a payment with regard to the Instant Payments network.

Context

Description

NotSubmitted

Payment has not been been sent to the RTP Network

Pending

Payment is in a pending state

Processing

Payment is processing

Complete

Payment has completed

Reversal

Transaction is being reversed

MemoPost

Attempting to set a Memo Post

TimedOut

Action has timed-out

Canceled

Action has been canceled

Rejected

Payment has been rejected

AuthOnly

Authorizing a transaction

NotSet

Not Set

Transaction Status

Network status of the payment (rtpTransactionStatus), as set by the receiving institution. This applies to Credit Transfersand Requests for Payment.

Status

Description

Network platform

ACTC

Payment has been accepted

TCH, FedNow

RJCT

Payment or Payment-related message has been rejected

TCH, FedNow

RCVD

Payment-related message has been received by the receiving institution

TCH

ACWP

Payment instruction included in the credit transfer is Accepted but not yet posted to the Creditor’s account

TCH, FedNow

ACCC

Payment has posted to the Creditor Customer's account

FedNow

ACSC

Accepted settlement completed

FedNow

BLCK

A payment instruction that previously had an ACWP status is blocked. Funds will neither be posted to the Creditor's account nor returned to the Debtor's account. (FedNow specific)

FedNow

PDNG

A payment instruction that had an ACWP status still has not posted to the Creditor's account (FedNow specific)

FedNow

ServiceLevelCode

SDVA is the only code accepted by RTP via TCH, which means payment must be executed with same day value to the creditor (for RTP via TCH this will be done in seconds).

LocalInstrumentProprietary

For RTP via TCH, identifies the origination condition of the instruction to allow the instructed agent to properly process the transaction.

Code

Description

INTERMEDIARY

Payment sent through a Payment Service Provider (domestic) – one of “Ultimate Debtor” or “Ultimate Creditor” must be present

STANDARD

Standard RTP payment

CategoryPurpose

Identifies the Debtor/Sender as either a business or consumer customer of the Debtor FI.

RTP via TCH category purpose codes

Code

Description

BUSINESS

Business initiated

CONSUMER

Consumer initiated

FedNow category purpose codes

Code

Description

BIZZ

Business initiated

CONS

Consumer initiated

GOVT

Government initiated



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Updated 29 Sep 2024
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