Agreement Decline Reason Codes

Can be present on a declined agreement and give more detail about why an agreement was declined.

Code	Title	Description
AC02	Invalid Debtor Account	The Payer Customer Account does not exist within NPP
AC05	Closed Debtor Account	The Payer Customer account is closed
AC06	Blocked Account	The Payer Customer Account is blocked
AC13	Invalid Debtor Account Type	The Payer Customer Account does not allow funds to be debited within NPP
AG01	Transaction Forbidden	The Payer Customer Account is unable to be debited
AG03	Transaction Not Supported	The Payer Customer Account is able to make NPP Payments, but is not able to make NPP Payments to the Payee Customer Account type
AM03	Not Allowed Currency	The Payer Customer Account cannot draw funds in AUD
AM12	Invalid Amount	No amount and/or no maximum amount have been specified
AM14	Amount Exceeds Agreed Limit	The specified amount would exceed the allowed Transaction amount for the Payer Customer Account
BE06	Unknown End Customer	The Payer Customer associated with the nominated Payer Customer Account does not exist within the Payer Participant (or applicable identified Institution) customer list
MD09	No Agreement Service On Customer	The Payer Customer Account does not support the given agreement type
MD16	Requested By Customer	Agreement/Amendment action requested by the Payer Customer
MD21	Agreement Cancelled Due To Fraud	The Payer Participant detects fraud within the Agreement
NOAS	No Answer From Customer	The Payer Participant declines the Agreement on behalf of the Payer Customer because there was no response from the Payer Customer
RR04	Regulatory Reason	The Agreement/Payment is rejected due to regulatory reasons
SL11	Creditor not on Whitelist of Debtor	The Payee or the Initiating Party is not included in the Payer Customer's whitelist
SL12	Creditor on Blacklist of Debtor	The Payee or the Initiating Party is included in the Payer Customer's blacklist
UKNWN	Unknown Error	An unexpected error occured. Reach out to Zepto for more information