RTP/FedNow System Codes
Last updated: December 4, 2025
RTP | ||
AC02 | Debtor account number invalid or missing. | |
AC03 | Creditor account number invalid or missing. | |
AC04 | Bank account closed. | |
AC06 | Bank account blocked. | |
AC11 | Creditor account currency invalid or missing. | |
AC13 | Debtor account type invalid. | |
AC14 | Creditor account type invalid. | |
AGNT | Incorrect Agent. | |
AG01 | Transaction forbidden. | |
AG03 | Transaction not supported. | |
AM02 | Transaction exceeded max allowed. | |
AM04 | Insufficient funds. | |
AM09 | Amount not expected. | |
AM11 | The currency code is not supported by RTP. | |
AM12 | Amount invalid or missing. | |
AM13 | TCH transaction limit exceeded. | |
AM14 | Transaction exceeds bank client limit. | |
BE04 | Creditor address invalid. | |
BE06 | Unknown customer. | |
BE07 | Debtor address invalid or missing. | |
BE10 | Debtor country invalid or missing. | |
BE11 | Creditor country invalid or missing. | |
BE14 | Country code missing. | |
BE16 | Debtor id invalid or missing. | |
BE17 | Creditor id invalid or missing. | |
DS24 | TCH timeout. | |
DT04 | Future date. | |
DUPL | Duplicate. | |
DS0H | Signer not allowed for this account. | |
FF02 | System error. | |
FF08 | End to end ID missing or invalid. | |
FRTR | Final Response. Repeat attempt to prior non response. | |
MD07 | Deceased customer. | |
NARR | Detail provided. | |
RC01 | Incorrect FI ID format. | |
RC02 | FI ID invalid or missing. | |
RC03 | Debtor FI ID invalid or missing. | |
RC04 | Creditor FI ID invalid or missing. | |
SL03 | Token service not responding. | |
TM01 | Invalid cut off time or instruction. | |
TK01 | Invalid token. | |
TK02 | Sender token not found. | |
TK03 | Receiver token not found. | |
TK04 | Token expired. | |
TK05 | Token mismatch. | |
TK06 | Token value limit violation. | |
TK07 | Token already used. | |
TK08 | Token suspended. | |
UPAY | Undue Payment Payment has been made through another payment channel. | |
1100 | Reason not recovered by iso. | |
9901 | IPS switch system malfunction. | |
9910 | Instructed agent signed off. | |
9912 | Receiving participant not available. | |
9914 | Missing element for zelle. | |
9934 | Instructing agent signed off. | |
9946 | Instructing agent suspended. | |
9947 | Instructed agent suspended. | |
9948 | Service suspended. | |
9952 | Incompatible message versions. | |
9953 | Missing code 'FULL' (full invoice amount). | |
9954 | Instruction from creditor missing. | |
9956 | Instructing agent funding account suspended. | |
9957 | Instructed agent funding account suspended. | |
9964 | Invalid participant identification. | |
NOAT | Message type not supported or accepted. | |
FedNow | ||
AC02 | Invalid debtor account. | |
AC03 | Creditor account number invalid or missing. | |
AC04 | Bank account closed. | |
AC05 | Closed debtor account. | |
AC06 | Bank account blocked. | |
AC07 | Creditor account closed. | |
AC14 | Creditor account type invalid or missing. | |
ACTC | Accepted technical validation. | |
ACSC | Accepted settlement completed. | |
ACWP | Accepted without posting. | |
ACCC | Accepted creditor posting completed. | |
ADAC | Awaiting debit auth. | |
AG01 | Transaction forbidden. | |
AG03 | Transaction not supported. | |
AGNT | Incorrect agent. | |
AM02 | Transaction exceeded max allowed. | |
AM04 | Insufficient funds. | |
AM06 | Too low amount. | |
AM09 | Amount not expected. | |
AM12 | Amount invalid or missing. | |
AM13 | FedNow transaction limit exceeded | |
AM14 | Amount exceeds agreed limit. | |
ARDT | Already returned. | |
ARPL | Awaiting reply. | |
BE01 | Inconsistent end user. | |
BE04 | Creditor address invalid. | |
BE05 | Unrecognized initiating party. | |
BE17 | Creditor id invalid or missing. | |
BLCK | Blocked. | |
CNCL | Canceled as requested. | |
CUST | Requested by customer. | |
CUTA | Upon unable to apply. | |
DS02 | Order cancelled. | |
DS24 | FedNow timeout. | |
DT01 | Incorrect date. | |
DT24 | Future date. | |
DUPL | Duplicate. | |
DS0H | Signer not allowed for this account. | |
E301 | Report request failed. | |
E400 | Message id does not exist. | |
E401 | Unauthorized to send pacs028. | |
E402 | Message was not processed. | |
E411 | Message still processing wait till timeout. | |
E420 | Rejected control set by correspondent. | |
E481 | Invalid dates. | |
E500 | FedNow internal error call support center 500. | |
E600 | Balance inquiry not allowed. | |
E760 | Invalid response. | |
E890 | Pending transaction status invalid. | |
E891 | Finalized transaction status invalid. | |
E960 | FedNow internal error call support center 960. | |
E970 | Pending transaction status invalid. | |
E974 | FedNow internal error call support center 974. | |
E980 | Invalid sender service profile. | |
E981 | Invalid receiver service profile. | |
E982 | Missing participant profile for ct or rfp. | |
E983 | Lm transfer out of business hours. | |
E984 | Missing participant profile for lmt. | |
E990 | Transaction out of limits. | |
E996 | Reserved response timeout. | |
E997 | Processing response timeout. | |
E999 | Invalid future date. | |
F101 | Entry match receiver fraud controls. | |
F102 | Entry match sender nebative list entry. | |
FF02 | System error. | |
FOCR | Following refund request. | |
FR01 | Fraudulent payment. | |
FRAD | Fraudulent payment. | |
IDUP | Duplicate transaction. | |
IN02 | Incorrect payment service level. | |
IN06 | Incorrect interbank settlement amount. | |
IN07 | Incorrect debtor. | |
IN08 | Incorrect debtor account. | |
IN15 | Incorrect remittance information. | |
IN16 | Incorrect payment purpose. | |
IN38 | Incorrect debtor address. | |
IN39 | Incorrect creditor address. | |
INFO | Additional information to send. | |
IPAY | Accepted. | |
LEGL | Legal decision. | |
MD07 | End to end id missing or invalid. | |
MM20 | Mismatch creditor name account. | |
MM21 | Mismatch debtor name account. | |
MM25 | Pending execution debtor account or identification. | |
MM26 | Pending execution debtor name or address. | |
MM27 | Payment executed debtor account or identification. | |
MM28 | Payment executed debtor name or address. | |
MM29 | Pending execution creditor account or identification. | |
MM30 | Pending execution creditor name or address. | |
MM31 | Payment executed creditor account or identification. | |
MM32 | Payment executed creditor name or address. | |
MM35 | Insufficient payment purpose. | |
MS02 | Not specified reason customer. | |
MS03 | Not specified reason agent. | |
NARR | Detail provided. | |
NINF | No further information. | |
NOOR | No original transaction received. | |
PDCR | Pending. | |
PDNG | Pending. | |
PECR | Partial refund. | |
PTNA | Passed to next agent. | |
RC01 | Incorrect fi id format. | |
RJCR | Rejected. | |
RJCT | Rejected. | |
RQDA | Requesting debit auth. | |
RR04 | Regulatory reason. | |
RUTA | Return upon unable to pay. | |
SVNR | Service not rendered. | |
T501 | Message XML length exceeded. | |
T504 | Invalid to member id. | |
T505 | Malformed message. | |
T506 | Invalid message definition id. | |
T508 | Business processing date tag not allowed. | |
T509 | Copy DUPL tag not allowed. | |
T510 | Related element tag not allowed. | |
T512 | Invalid message id. | |
T514 | Structured remittance info length exceeded. | |
T515 | Structured and unstructured remittance info not allowed. | |
T516 | Invalid sending party. | |
T517 | Duplicate message id. | |
T518 | Missing original message id or UETR. | |
T519 | Missing landline phone on preferred contact method. | |
T520 | Missing mobile phone on preferred contact method. | |
T521 | Missing email on preferred contact method. | |
T522 | Missing reason code on rejected transaction. | |
T523 | Invalid status code. | |
T524 | Invalid original message name id. | |
T525 | Invalid original interbank settlement amount format. | |
T526 | Insufficient debtor info provided. | |
T527 | Invalid local instrument. | |
T528 | Invalid returned interbank settlement amount format. | |
T529 | Invalid message signature. | |
T530 | Invalid country code. | |
T531 | Invalid original message name id value. | |
T532 | Invalid interbank settlement amount format. | |
T533 | Invalid compensation amount format. | |
T534 | Missing transaction id or UETR. | |
T535 | Invalid category purpose. | |
T536 | Missing additional info for NARR. | |
T537 | Key signature algo not supported. | |
T538 | Account balance request invalid. | |
T539 | Account balance request missing account type. | |
T540 | Account report request missing connection party id. | |
T542 | Invalid market practice id. | |
T543 | Invalid original message date. | |
T544 | Invalid message reference in admi007. | |
T545 | IATR report request does not allow period or account type. | |
T546 | AATR report request invalid account id. | |
T547 | Invalid status code in admi007. | |
T548 | Invalid charges amount format. | |
T550 | Invalid RFRR status code. | |
T551 | Invalid cancellation reason info. | |
T553 | Proprietary under reason not allowed. | |
T554 | Invalid RFIR status code. | |
T555 | Invalid fnclockstart format. | |
T556 | Invalid RFIR correction txn info. | |
T557 | End of day report request reported period missing or account type not allowed. | |
T558 | Invalid report request message name id. | |
T559 | Invalid expiry date for RFP. | |
T560 | Invalid status code CT. | |
T561 | Duplicate status reason info. | |
T562 | Business service not allowed. | |
T563 | Invalid status code RFI. | |
T565 | Invalid resolution related info RFI. | |
T566 | Invalid resolution related info RFR. | |
T567 | Invalid original instructed amount format. | |
T568 | Invalid instructed amount format. | |
T569 | Invalid accepted amount format. | |
T570 | Invalid key encoding. | |
T571 | Invalid key algo. | |
T572 | invalid encoding key | |
T573 | Invalid key length | |
T574 | Invalid key fingerprint. | |
T575 | Invalid key expiration. | |
T576 | Duplicated. | |
T577 | Revoke key not found. | |
T578 | Last active key cannot be revoked. | |
T579 | Key already revoked or expired. | |
T580 | Future time. | |
T581 | Missing or invalid event code. | |
T582 | Invalid past requested execution date. | |
T583 | Invalid expiry date before requested execution date. | |
T584 | No connection points for connection party. | |
T600 | Balance inquiry service not available. | |
TECH | Technical problem. | |
UPAY | Undue payment. |