Request and response codes

19min

Payment status
The payment status is reflected in the status field of Instant Payment responses. Below is a breakdown of the possible statuses for instant payments:
Status
Description
Created
Initial status for both inbound and outbound payments.
Pending
Outbound – Payment is under validation before submission to the RTP network.
Inbound – Payment has been received and is awaiting authorization.
Processing
Outbound – Payment has been submitted to the Instant Payments network.
Inbound – Payment is authorized and awaiting confirmation of successful processing by the network.
Completed*
Outbound – Payment accepted and received by the receiving institution.
Inbound – Payment has been received and accepted.
For credit transfers, this also indicates the payment has successfully posted.
Rejected*
Outbound – Payment was rejected by the receiving institution or RTP network.
Inbound – Payment was manually or automatically rejected.
Rejection reasons are found in the Result.Code field.
Canceled*
Outbound payment canceled by an internal user while in Hold or ResearchRequired status.
Payments can only be canceled in these statuses.
Hold
Payment is under review by the Operations Team.
TimedOut*
Payment was not acknowledged within the SLA window with The Clearing House.
Failed*
Payment failed due to technical issues.
Finalizing
Payment is in the process of posting to an account.
ResearchRequired
No response was received for an outbound payment. Manual review is required to determine if the payment should be canceled or completed.
* Indicates a final status for a payment.
Payment types
The paymentType field in Instant Payments responses specifies the nature of the transaction. This value provides details about the type of payment or request being processed, indicating whether it involves monetary movement or serves as a non-monetary notification or request.
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.
SystemTimeout
Notification to the Creditor FI that a Credit Transfer has timed out. This is a non-monetary transaction.
RemittanceAdvice*
Allows the Debtor to send stand-alone remittance information to the Creditor or 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*
Acknowledges that 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 (accepted without posting) have posted to the Creditor’s account. This is a non-monetary transaction.
RequestForInformationResponse*
Provides requested additional information as 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® network via The Clearing House (TCH).
FedNow
The pacs.008 credit transfer is routed through the FedNow® network.
CRNow
The pacs.008 credit transfer is routed internally through Cross River’s CRNow network for partner payments.
<blank>
The credit transfer is routed according to Cross River criteria and logic﻿.
Reject/Reason Codes
The resultCode in Instant Payments responses explains why a payment didn’t complete. If successful, the resultCode will show OK.
Code
Description
650
Cannot parse the message
690
Signature mismatch or verification error
OK
Ok
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 forbidden on this type of account
AG03
Transaction type not supported/authorized on this account
AGNT
Incorrect Agent
AM02
Transaction amount exceeds allowed maximum
AM04
Insufficient funds to cover message amount
AM09
Amount received is not as agreed or expected
AM11
Transaction currency is invalid or missing
AM12
Amount is invalid or missing
AM13
Transaction amount exceeds clearing system limits
AM14
Transaction amount exceeds limits set by bank and client
BE04
Creditor's address missing or incorrect
BE06
End customer not known or no longer exists
BE07
Debtor's address missing or incorrect
BE10
Debtor country code is missing or invalid
BE11
Creditor country code is missing or invalid
BE13
Debtor’s residence country code missing or invalid
BE14
Creditor’s residence country code 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 not supported
DUPL
Duplicate payment detected
DS0H
Signer not authorized for this account
FF02
Syntax error in narrative information
FF03
Invalid Payment Type Information
FF08
End to End Id missing or invalid
MD07
End customer is deceased
NARR
Narrative information provided for reason
RC01
Bank identifier code format is incorrect
RC02
Bank identifier is invalid or missing
RC03
Debtor FI identifier is invalid or missing
RC04
Creditor FI identifier is invalid or missing
TM01
Invalid Cut Off Time
TK01
Invalid Token
TK02
Sender Token Not Found
TK03
Receiver Token Not Found
TK04
Token Expired
TK05
Token Counterparty Mismatch
TK06
Token Value Limit Rule Violation
TK07
Single Use Token Already Used
TK08
Token Suspended
INSF
Insufficient funds for outbound message
NOAT
Customer account does not support this message type
1100
Reason provided in additional information
9909
Central Switch (RTP) system malfunction
9910
Instructed Agent signed-off
9912
Recipient connection unavailable
9934
Instructing Agent signed-off
9946
Instructing Agent suspended
9947
Instructed Agent suspended
9948
Central Switch (RTP) service suspended
Return Response Reject Codes
The returnResponseRejectCodes attribute specifies the reason for rejecting a return response. This applies only to RTP via TCH.
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
Return Request Statuses
The returnRequestStatuses attribute indicates the status of a return request. This applies only to RTP via TCH.
Code
Description
IPAY
Payment will be refunded
RJCR
Cancellation request has been rejected
PECR
Payment will be partially refunded
Return Request Codes
The returnRequestCodes attribute defines the reason for initiating a return request. This applies only to RTP via TCH.
Code
Description
AC03
Invalid Creditor Account Number - Requested by the customer due to mistake or error
AM09
Wrong Amount - Amount of the Credit Transfer or Request for Payment is incorrect
CUST
Requested By Customer - Cancellation requested by the Debtor due to mistake or error
DUPL
Duplicate Payment - Identical to another transaction
FRAD
Fraudulent Origin - Debtor claims the payment was unauthorized or fraudulently induced
FRTR
Final Response - Repeat attempt due to prior non-response
TECH
Technical Problem - Cancellation requested due to technical issues
UPAY
Undue Payment - Payment was made through another channel (for Request for Payment expiry)
WIAM
Wrong Amount with Indemnity
WICT
Requested By Customer with Indemnity
WIDP
Duplicate Payment with Indemnity
WIFD
Fraudulent Origin with Indemnity
WIFT
Final Response with Indemnity
WITH
Technical Problem with Indemnity
FedNow Return Request Codes
The fedNowReturnRequestCodes attribute defines return request reasons for FedNow transactions.
Code
Description
AC03
Invalid Creditor Account Number - Requested by the customer due to mistake or error
AM09
Wrong Amount - Amount of the Credit Transfer or Request for Payment is incorrect
AGNT
Requested By Agent
CUST
Requested By Customer - Cancellation requested by the Debtor due to mistake or error
CUTA
Return Request Upon Information Request
DUPL
Duplicate Payment
FRAD
Fraudulent Origin - Debtor claims the payment was unauthorized or fraudulently induced
NARR
Narrative
SVNR
Service Not Rendered
TECH
Technical Problem - Cancellation requested due to technical issues
UPAY
Undue Payment - Payment was made through another channel (for Request for Payment expiry)
Return Clearing Channels
The returnClearingChannels attribute defines the clearing channel used for processing returns.
Code
Description
MPNS
ACH Payment
RTGS
FedWire
RTNS
CHIPS
Payment Acknowledgment Types
The paymentAckTypes attribute defines the types of acknowledgments in response to a payment transaction.
Code
Description
ACK
Acknowledgment from Creditor (end-user) to the sender of the Credit Transfer
ACWP
Acknowledgment from Creditor FI that funds have been posted to the Creditor Account following an ACWP transaction status
Request for Payment Response Codes
The requestForPaymentResponseCodes attribute defines the possible responses to a request for payment. This applies only to RTP via TCH.
Code
Description
AC06
Account specified is blocked, prohibiting transactions
AG01
Transaction forbidden on this type of account
AG03
Transaction type not supported or authorized on this account
AM09
Amount received is incorrect
AM14
Transaction amount exceeds limits agreed between bank and client
BE04
Missing or incorrect creditor address required for payment
BE07
Missing or incorrect debtor address required for payment
CH11
Creditor Identifier Incorrect - Customer indicates creditor is unknown
CUST
Requested By Customer - Customer declines payment
DS04
Order Rejected - The bank rejected the order due to content issues
MD07
End customer is deceased
NARR
Narrative reason provided in additional information
1100
Other Reasons - Not covered by specific codes
SL12
Debtor does not wish to receive RFPs from this Creditor
Request for Payment Cancellation Codes
The requestForPaymentCancellationCodes attribute defines the reasons for canceling a request for payment. This applies only to RTP via TCH.
Code
Description
AC03
Invalid Creditor Account Number
AM09
Incorrect Amount
CUST
Requested By Customer - Cancellation requested
DUPL
Duplicate Payment
FRAD
Fraudulent Payment - Unauthorized or fraudulently induced
TECH
Technical Problem - Cancellation due to system issues
UPAY
Undue Payment - Payment was made through another channel
AC14
Invalid or Missing Creditor Account Type
AM06
Amount Too Low
BE05
Unrecognized Initiating Party
FOCR
Following Refund Request
MS02
No Specified Reason - Customer
MS03
No Specified Reason - Agent
NARR
Narrative reason provided in additional information
RR04
Regulatory Reason
RUTA
Return Upon Unable To Apply
FedNow Request for Payment Response Codes
The fedNowRequestForPaymentResponseCodes attribute defines responses for a FedNow request for payment.
Code
Description
AC02
Invalid Debtor Account
AC05
Closed Debtor Account
AC06
Blocked Account
AG01
Transaction Forbidden
AG03
Transaction Not Supported or Authorized on This Account
AM04
Insufficient Funds
AM09
Amount Received is Incorrect
AM14
Transaction Amount Exceeds Limits
BE01
Inconsistent End Customer
BE05
Unknown Initiating Party
CUST
Requested By Customer
DS02
Order Canceled
DT01
Incorrect Date
DUPL
Duplicate Request for Payment
NARR
Narrative reason provided in additional information
Transaction account context
TransactionAccountContext is an internal CR code that provides extra details about a payment’s state within its current status.
To understand the overall status of a payment in relation to the Instant Payments network, refer to PaymentStatus.
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 determined by the receiving institution, this status applies to Credit Transfers and Requests for Payment.
Status
Description
Network platform
ACTC
Payment has been accepted.
TCH, FedNow, CRNow
RJCT
Payment or payment-related message has been rejected.
TCH, FedNow, CRNow
RCVD
Payment-related message has been received by the receiving institution.
TCH
ACWP
Payment instruction within the credit transfer is accepted but not yet posted to the creditor’s account.
TCH, FedNow
ACCC
Payment has been posted to the creditor customer’s account.
FedNow
ACSC
Accepted settlement is completed.
FedNow
BLCK
A payment previously in ACWP status is now blocked. Funds will not be posted to the creditor’s account or returned to the debtor’s account. (FedNow specific)
FedNow
PDNG
Payment in ACWP status has not yet posted to the creditor’s account. (FedNow specific)
FedNow
ServiceLevelCode
SDVA is the only accepted code for RTP via TCH, indicating that payments must be executed with same-day value to the creditor (processed in seconds for RTP via TCH).
LocalInstrumentProprietary
For RTP via TCH, this identifies the origination condition of the instruction, allowing the instructed agent to correctly process the transaction.
Code
Description
INTERMEDIARY
Payment sent through a domestic Payment Service Provider – either “Ultimate Debtor” or “Ultimate Creditor” must be present.
STANDARD
Standard RTP payment.
CategoryPurpose
Identifies the Debtor/Sender as 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.
﻿

Status	Description
Created	Initial status for both inbound and outbound payments.
Pending	Outbound – Payment is under validation before submission to the RTP network. Inbound – Payment has been received and is awaiting authorization.
Processing	Outbound – Payment has been submitted to the Instant Payments network. Inbound – Payment is authorized and awaiting confirmation of successful processing by the network.
Completed*	Outbound – Payment accepted and received by the receiving institution. Inbound – Payment has been received and accepted. For credit transfers, this also indicates the payment has successfully posted.
Rejected*	Outbound – Payment was rejected by the receiving institution or RTP network. Inbound – Payment was manually or automatically rejected. Rejection reasons are found in the Result.Code field.
Canceled*	Outbound payment canceled by an internal user while in Hold or ResearchRequired status. Payments can only be canceled in these statuses.
Hold	Payment is under review by the Operations Team.
TimedOut*	Payment was not acknowledged within the SLA window with The Clearing House.
Failed*	Payment failed due to technical issues.
Finalizing	Payment is in the process of posting to an account.
ResearchRequired	No response was received for an outbound payment. Manual review is required to determine if the payment should be canceled or completed.

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.
SystemTimeout	Notification to the Creditor FI that a Credit Transfer has timed out. This is a non-monetary transaction.
RemittanceAdvice*	Allows the Debtor to send stand-alone remittance information to the Creditor or 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*	Acknowledges that 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 (accepted without posting) have posted to the Creditor’s account. This is a non-monetary transaction.
RequestForInformationResponse*	Provides requested additional information as an amendment to the original Request for Payment or Credit Transfer. This is a non-monetary transaction.
Unknown	Payment type was not recognized.

Network Platform	Description
TCH	The pacs.008 credit transfer is routed through the RTP® network via The Clearing House (TCH).
FedNow	The pacs.008 credit transfer is routed through the FedNow® network.
CRNow	The pacs.008 credit transfer is routed internally through Cross River’s CRNow network for partner payments.
<blank>	The credit transfer is routed according to Cross River criteria and logic.

Code	Description
650	Cannot parse the message
690	Signature mismatch or verification error
OK	Ok
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 forbidden on this type of account
AG03	Transaction type not supported/authorized on this account
AGNT	Incorrect Agent
AM02	Transaction amount exceeds allowed maximum
AM04	Insufficient funds to cover message amount
AM09	Amount received is not as agreed or expected
AM11	Transaction currency is invalid or missing
AM12	Amount is invalid or missing
AM13	Transaction amount exceeds clearing system limits
AM14	Transaction amount exceeds limits set by bank and client
BE04	Creditor's address missing or incorrect
BE06	End customer not known or no longer exists
BE07	Debtor's address missing or incorrect
BE10	Debtor country code is missing or invalid
BE11	Creditor country code is missing or invalid
BE13	Debtor’s residence country code missing or invalid
BE14	Creditor’s residence country code 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 not supported
DUPL	Duplicate payment detected
DS0H	Signer not authorized for this account
FF02	Syntax error in narrative information
FF03	Invalid Payment Type Information
FF08	End to End Id missing or invalid
MD07	End customer is deceased
NARR	Narrative information provided for reason
RC01	Bank identifier code format is incorrect
RC02	Bank identifier is invalid or missing
RC03	Debtor FI identifier is invalid or missing
RC04	Creditor FI identifier is invalid or missing
TM01	Invalid Cut Off Time
TK01	Invalid Token
TK02	Sender Token Not Found
TK03	Receiver Token Not Found
TK04	Token Expired
TK05	Token Counterparty Mismatch
TK06	Token Value Limit Rule Violation
TK07	Single Use Token Already Used
TK08	Token Suspended
INSF	Insufficient funds for outbound message
NOAT	Customer account does not support this message type
1100	Reason provided in additional information
9909	Central Switch (RTP) system malfunction
9910	Instructed Agent signed-off
9912	Recipient connection unavailable
9934	Instructing Agent signed-off
9946	Instructing Agent suspended
9947	Instructed Agent suspended
9948	Central Switch (RTP) service suspended

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

Code	Description
IPAY	Payment will be refunded
RJCR	Cancellation request has been rejected
PECR	Payment will be partially refunded

Code	Description
AC03	Invalid Creditor Account Number - Requested by the customer due to mistake or error
AM09	Wrong Amount - Amount of the Credit Transfer or Request for Payment is incorrect
CUST	Requested By Customer - Cancellation requested by the Debtor due to mistake or error
DUPL	Duplicate Payment - Identical to another transaction
FRAD	Fraudulent Origin - Debtor claims the payment was unauthorized or fraudulently induced
FRTR	Final Response - Repeat attempt due to prior non-response
TECH	Technical Problem - Cancellation requested due to technical issues
UPAY	Undue Payment - Payment was made through another channel (for Request for Payment expiry)
WIAM	Wrong Amount with Indemnity
WICT	Requested By Customer with Indemnity
WIDP	Duplicate Payment with Indemnity
WIFD	Fraudulent Origin with Indemnity
WIFT	Final Response with Indemnity
WITH	Technical Problem with Indemnity

Code	Description
AC03	Invalid Creditor Account Number - Requested by the customer due to mistake or error
AM09	Wrong Amount - Amount of the Credit Transfer or Request for Payment is incorrect
AGNT	Requested By Agent
CUST	Requested By Customer - Cancellation requested by the Debtor due to mistake or error
CUTA	Return Request Upon Information Request
DUPL	Duplicate Payment
FRAD	Fraudulent Origin - Debtor claims the payment was unauthorized or fraudulently induced
NARR	Narrative
SVNR	Service Not Rendered
TECH	Technical Problem - Cancellation requested due to technical issues
UPAY	Undue Payment - Payment was made through another channel (for Request for Payment expiry)

Code	Description
MPNS	ACH Payment
RTGS	FedWire
RTNS	CHIPS

Code	Description
ACK	Acknowledgment from Creditor (end-user) to the sender of the Credit Transfer
ACWP	Acknowledgment from Creditor FI that funds have been posted to the Creditor Account following an ACWP transaction status

Code	Description
AC06	Account specified is blocked, prohibiting transactions
AG01	Transaction forbidden on this type of account
AG03	Transaction type not supported or authorized on this account
AM09	Amount received is incorrect
AM14	Transaction amount exceeds limits agreed between bank and client
BE04	Missing or incorrect creditor address required for payment
BE07	Missing or incorrect debtor address required for payment
CH11	Creditor Identifier Incorrect - Customer indicates creditor is unknown
CUST	Requested By Customer - Customer declines payment
DS04	Order Rejected - The bank rejected the order due to content issues
MD07	End customer is deceased
NARR	Narrative reason provided in additional information
1100	Other Reasons - Not covered by specific codes
SL12	Debtor does not wish to receive RFPs from this Creditor

Code	Description
AC03	Invalid Creditor Account Number
AM09	Incorrect Amount
CUST	Requested By Customer - Cancellation requested
DUPL	Duplicate Payment
FRAD	Fraudulent Payment - Unauthorized or fraudulently induced
TECH	Technical Problem - Cancellation due to system issues
UPAY	Undue Payment - Payment was made through another channel
AC14	Invalid or Missing Creditor Account Type
AM06	Amount Too Low
BE05	Unrecognized Initiating Party
FOCR	Following Refund Request
MS02	No Specified Reason - Customer
MS03	No Specified Reason - Agent
NARR	Narrative reason provided in additional information
RR04	Regulatory Reason
RUTA	Return Upon Unable To Apply

Code	Description
AC02	Invalid Debtor Account
AC05	Closed Debtor Account
AC06	Blocked Account
AG01	Transaction Forbidden
AG03	Transaction Not Supported or Authorized on This Account
AM04	Insufficient Funds
AM09	Amount Received is Incorrect
AM14	Transaction Amount Exceeds Limits
BE01	Inconsistent End Customer
BE05	Unknown Initiating Party
CUST	Requested By Customer
DS02	Order Canceled
DT01	Incorrect Date
DUPL	Duplicate Request for Payment
NARR	Narrative reason provided in additional information

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

Status	Description	Network platform
ACTC	Payment has been accepted.	TCH, FedNow, CRNow
RJCT	Payment or payment-related message has been rejected.	TCH, FedNow, CRNow
RCVD	Payment-related message has been received by the receiving institution.	TCH
ACWP	Payment instruction within the credit transfer is accepted but not yet posted to the creditor’s account.	TCH, FedNow
ACCC	Payment has been posted to the creditor customer’s account.	FedNow
ACSC	Accepted settlement is completed.	FedNow
BLCK	A payment previously in ACWP status is now blocked. Funds will not be posted to the creditor’s account or returned to the debtor’s account. (FedNow specific)	FedNow
PDNG	Payment in ACWP status has not yet posted to the creditor’s account. (FedNow specific)	FedNow

Code	Description
INTERMEDIARY	Payment sent through a domestic Payment Service Provider – either “Ultimate Debtor” or “Ultimate Creditor” must be present.
STANDARD	Standard RTP payment.

Code	Description
BUSINESS	Business initiated.
CONSUMER	Consumer initiated.

Code	Description
BIZZ	Business initiated.
CONS	Consumer initiated.
GOVT	Government initiated.

Updated 29 Jan 2025

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