Reference

Directions

Direction

Description

Inbound

Payment received from another bank

Outbound

Payment sent to another bank

Payment Status

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 RTP Network.

Inbound - payment has been authorized and is waiting confirmation from the RTP Network that transaction has processed successfully.

Completed*

Outbound- Payment was accepted/received by the receiving institution

Inbound- Payment has been accepted/received.

For credit transfers, completed also means the payment has posted successfully.

Rejected*

Inbound - payment was automatically or manually rejected in COS
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 in COS.

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.

*Indicates the status is the final status for a payment

Payment Types

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.

Sending a Return Request is not currently supported.

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 (end-user) 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.

RequestForPayment*

Requests the initiation of a Credit Transfer from the party receiving the request.

This is a non-monetary transaction.

RequestForPaymentResponse*

Used to provide a business response to a Request for Payment.

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

*Indicates the payment type is not currently supported

Return 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

Reason Codes

Reason Codes provide the reason a message did not complete and can be found on the payment Result.Code. The Result.Code will be OK if the payment was successfully sent/received.

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

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

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 narrativein 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

Request for Payment (RFP) Statuses

Status

Description

Expired

Request For Payment Expiry date has passed without receiving a Credit Transfer.

Completed

The RFP has been successfully sent to the debtor and acknowledged by the debtor FI. An RFP can go from Completed to Expired when a Credit Transfer is not received before the Expiry date.

Request for Payment (RFP) Response Codes

Code

Description

AC06

Account specified is blocked, prohibiting posting of transactions against it

AG01

Transaction forbidden on this type of account

AG03

Transaction type not supported / authorized on this account

AM09

Amount received is not the amount agreed or expected

AM14

Transaction amount exceeds limits agreed between bank and client

BE04

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

BE07

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

CH11

CreditorIdentifierIncorrect – Customer indicates creditor is unknown

CUST

Requested By Customer – Customer indicates payment will not be made

DS04

Order Rejected – The order (RFP) was rejected by the receiving FI side (for reasons concerning content)

MD07

End customer is deceased

NARR

Reason is provided as narrative information in the additional reason information

1100

Any other reasons not covered by other reason codes

Request for Payment (RFP) Cancellation Codes

Code

Description

AC03

Invalid Creditor Account Number – Requested by the customer due to mistake or error

AM09

Wrong Amount – Amount of Request for Payment is not correct

CUST

Requested By Customer – Cancellation requested by customer

DUPL

Duplicate Payment

FRAD

Fraudulent Origin – Payment was unauthorized or fraudulently induced

TECH

Technical Problem – Cancellation requested following technical problems resulting in an erroneous transaction

UPAY

Undue Payment – Payment has been made through another payment channel

TransactionAccountContext

TransactionAccountContext is used internally for additional detail for the state of a payment within a status. PaymentStatus should be used for determining the status of a payment.

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

RtpTransactionStatus

Status of the payment, as set by the receiving institution.

Status

Description

ACTC

Payment has been accepted

RJCT

Payment or Payment Related Message has been rejected

RCVD

Payment Related Message has been received by the receiving institution

ACWP

Payment instruction included in the Credit Transfer is Accepted without being posted to the Creditor Customer’s account.

ServiceLevelCode

SDVA - Only code accepted by RTP, means Payment must be executed with same day value to the creditor (for RTP this will be done in seconds)

LocalInstrumentProprietary

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

ZELLE

Instruction originated as a Zelle Payment

(Not currently supported in COS)

CategoryPurpose

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

Code

Description

BUSINESS

Business initiated

CONSUMER

Consumer initiated

Return Request Status Codes

Code specified on the Return Response indicating if the funds will be returned

Status

Description

IPAY

Payment will be refunded

RJCR

Cancellation request has been rejected

PECR

Payment will be partially refunded

Return Request Codes

Reason Code specified when sending a Return Request

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 not correct

CUST

Requested By Customer Cancellation requested by the Debtor due to Debtor’s mistake or error

DUPL

Duplicate Payment - Payment is a duplicate of another payment

FRAD

Fraudulent Origin Debtor claims payment was unauthorized or fraudulently induced

FRTR

Final Response - Repeat attempt to prior non-response

TECH

Technical Problem Cancellation requested following technical problems resulting in an erroneous transaction

UPAY

Undue Payment - Payment has been made through another payment 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

Clearing Channels

Identifies the channel that will be used to return funds when the funds are not being returned via a Credit Transfer

Code

Description

MPNS

ACH Payment

RTGS

FedWire

RTNS

CHIPS


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