Reason Codes

Agreement Failure Codes

Can be present on a failed agreement and give more detail about why an agreement has failed.
MMS.API.xxxx failure codes are unexpected and indiciate an issue communicating with an upstream service.
The detail for each of these will be prefixed with Contact Zepto for more information: and
we recommend contacting us to have the issue investigated.

CodeTitleDescription
MMS.API.xxxxTitle of the MMS errorContact Zepto for more information: More detail about the MMS error
ZPUNP01Debtor's financial institution does not support PayToCannot create agreement with provided debtor account
ZPUNP02Invalid creditor accountThe given creditor account cannot accept funds via NPP
ZPUNP06Error resolving aliasZepto was unable to reach the addressing service
ZPUNP07Debtor alias not foundZepto was unable to resolve the given debtor alias
ZPUNP08Creditor alias not foundZepto was unable to resolve the given creditor alias
UKNWNUnknown ErrorAn unexpected error occured. Reach out to Zepto for more information

Agreement Decline Reason Codes

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

CodeTitleDescription
AC02Invalid Debtor AccountThe Payer Customer Account does not exist within NPP
AC05Closed Debtor AccountThe Payer Customer account is closed
AC06Blocked AccountThe Payer Customer Account is blocked
AC13Invalid Debtor Account TypeThe Payer Customer Account does not allow funds to be debited within NPP
AG01Transaction ForbiddenThe Payer Customer Account is unable to be debited
AG03Transaction Not SupportedThe Payer Customer Account is able to make NPP Payments, but is not able to make NPP Payments to the Payee Customer Account type
AM03Not Allowed CurrencyThe Payer Customer Account cannot draw funds in AUD
AM12Invalid AmountNo amount and/or no maximum amount have been specified
AM14Amount Exceeds Agreed LimitThe specified amount would exceed the allowed Transaction amount for the Payer Customer Account
BE06Unknown End CustomerThe Payer Customer associated with the nominated Payer Customer Account does not exist within the Payer Participant (or applicable identified Institution) customer list
MD09No Agreement Service On CustomerThe Payer Customer Account does not support the given agreement type
MD16Requested By CustomerAgreement/Amendment action requested by the Payer Customer
MD21Agreement Cancelled Due To FraudThe Payer Participant detects fraud within the Agreement
NOASNo Answer From CustomerThe Payer Participant declines the Agreement on behalf of the Payer Customer because there was no response from the Payer Customer
RR04Regulatory ReasonThe Agreement/Payment is rejected due to regulatory reasons
SL11Creditor not on Whitelist of DebtorThe Payee or the Initiating Party is not included in the Payer Customer's whitelist
SL12Creditor on Blacklist of DebtorThe Payee or the Initiating Party is included in the Payer Customer's blacklist
UKNWNUnknown ErrorAn unexpected error occured. Reach out to Zepto for more information

Agreement Cancel/Suspend Reason Codes

Can be present on a cancelled or suspended agreement and give more detail about why the agreement is in that state.

CodeTitleDescription
AC02Invalid Debtor AccountThe Payer Customer Account does not exist within NPP
AC04Closed Account NumberThe account has been closed and the Mandate is no longer valid
AC05Closed Debtor AccountThe Payer Customer account is closed
AC06Blocked AccountThe Payer Customer Account is blocked
AC13Invalid Debtor Account TypeThe Payer Customer Account does not allow funds to be debited within NPP
AG01Transaction ForbiddenThe Payer Customer Account is unable to be debited
AG03Transaction Not SupportedThe Payer Customer Account is able to make NPP Payments, but is not able to make NPP Payments to the Payee Customer Account type
AM03Not Allowed CurrencyThe Payer Customer Account cannot draw funds in AUD
AM12Invalid AmountNo amount and/or no maximum amount have been specified
AM14Amount Exceeds Agreed LimitThe specified amount would exceed the allowed Transaction amount for the Payer Customer Account
MD07End Customer DeceasedEnd customer is deceased
MD08No Mandate Service By AgentThe Mandate Service is no longer supported by the Agent
MD09No Agreement Service On CustomerThe Payer Customer Account does not support the given agreement type
MD16Requested By CustomerAgreement/Amendment action requested by the Payer Customer
MD17Requested By Initiating PartyCancellation/amendment requested by the creditor or by the initiating party
MD20Agreement ExpiredContact Zepto for more information
MD21Agreement Cancelled Due To FraudThe Payer Participant detects fraud within the Agreement
MS02Not Specified Reason Customer GeneratedThe payment was rejected by the Debtor Customer, but no reason was provided
MS03Not Specified Reason Agent GeneratedThe payment was rejected by the Responding Participant, but no reason was provided
NARRNarrativeContact Zepto for more information
RR04Regulatory ReasonThe Agreement/Payment is rejected due to regulatory reasons
SL01Specific Service offered by Debtor AgentThe NPP Payment Initiation Request was rejected specifically due to a service offered by the Responding Participant
SL11Creditor not on Whitelist of DebtorThe Payee or the Initiating Party is not included in the Payer Customer's whitelist
SL12Creditor on Blacklist of DebtorThe Payee or the Initiating Party is included in the Payer Customer's blacklist
CTAMContract AmendedMandate suspended due to amendment of the contract
CTCAContract Cancellation Initiated By DebtorMandate suspended due to cancellation of the contract, requested by the debtor
CTEXContract ExpiredMandate suspended due to the contract that expired
MCFCMandate Suspended Final CollectionMandate suspended as final collection took place
MCOCMandate Suspended Once Off CollectionMandate suspended as the once off collection took place
MSUCMandate Suspended 7 Consecutive Unsuccessful CollectionsMandate suspended after 7 consecutive unsuccessful collections
NOASNo Answer From CustomerThe Payer Participant declines the Agreement on behalf of the Payer Customer because there was no response from the Payer Customer

Payment Failure Codes

Can be present on a failed payment and give more detail about why the payment has failed.
Certain error codes mean that a payment can be retried, as indicated by the 'Retryable' column.

CodeTitleDescriptionRetryable
ZPPAY24Participant not availableOne of the participants is currently not available to process the payment.False
AB01Aborted Clearing TimeoutClearing process aborted due to timeoutTrue
AB02Aborted Clearing Fatal ErrorClearing process aborted due to a fatal errorTrue
AB03Aborted Settlement TimeoutSettlement aborted due to timeoutTrue
AB04Aborted Settlement Fatal ErrorSettlement process aborted due to a fatal errorTrue
AB08Offline Creditor AgentPayer Participant is unavailable to process the payment due to Payee Participant being unavailableTrue
AC02Invalid Debtor AccountThe Payer Customer Account does not exist within NPPFalse
AC03Invalid Creditor Account NumberThe Payee Customer Account does not exist within NPPFalse
AC05Closed Debtor AccountThe Payer Customer account is closedFalse
AC06Blocked AccountThe Payer Customer Account is blockedTrue
AC07Closed Creditor Account NumberThe Payee Customer account is closedFalse
AC13Invalid Debtor Account TypeThe Payer Customer Account does not allow funds to be debited within NPPFalse
AC14Invalid Creditor Account TypeThe Payee Customer Account does not allow funds to be debited within NPPFalse
AC15Account Details ChangedThe account details for the counterparty have changedFalse
AG01Transaction ForbiddenThe Payer Customer Account is unable to be debitedFalse
AG03Transaction Not SupportedThe Payer Customer Account is able to make NPP Payments, but is not able to make NPP Payments to the Payee Customer Account typeFalse
AG07Unsuccesful Direct DebitDebtor account cannot be debited for a generic reason. May indicate insufficient fundsTrue
AGNTIncorrect AgentBSB/IIN of the account provided falls outside the range published in the NPP Reference DataFalse
AM01Zero AmountSpecified message amount is equal to zeroFalse
AM02Not Allowed AmountSpecified transaction amount is greater than allowed maximumFalse
AM03Not Allowed CurrencyThe Payer Customer Account cannot draw funds in AUDFalse
AM04Insufficient FundsThe specified Payer Customer Account has insufficient fundsTrue
AM06Too Low AmountThe amount requested is below the agreed minimum amountFalse
AM09Wrong AmountThe amount requested was not what the Payer Customer was expectingFalse
AM12Invalid AmountNo amount and/or no maximum amount have been specifiedFalse
AM19Invalid Group Number Of TransactionsThe number of transactions in the NPP Payment Initiation Request is not 1False
AM21Limit ExceededThe payment amount exceeds the agreed limit between the Responding Participant and the Debtor CustomerTrue
BE05Unrecognised Initiating PartyDebtor Customer has directed the Responding Participant to reject the payment as the Creditor is unknown to themFalse
BE06Unknown End CustomerThe Payer Customer associated with the nominated Payer Customer Account does not exist within the Payer Participant (or applicable identified Institution) customer listFalse
BE08Missing Debtor NameDebtor name is missingFalse
BE22Missing Creditor NameCreditor name is missingFalse
CH20Decimal Points Not Compatible With CurrencyThe amount does not have two or zero fraction digitsFalse
CH21Required Element MissingOne or more mandatory fields have not been providedFalse
CURRIncorrect CurrencyCurrency of the payment is incorrectFalse
CUSTRequested By CustomerDebtor Customer has directed the Responding Participant to reject the paymentFalse
DT02Invalid Creation DateThe CreationDateTime in the Group Header is not as per the required formatFalse
DT04Future Date Not SupportedThe Business Service does not support future dated NPP paymentsFalse
ED05Settlement FailedSettlement of the transaction has failedFalse
ED06Settlement System Not AvailableThe FSS is unavailable so the Clearing Request cannot be madeFalse
FF04Invalid Service Level CodeThe Service Level code in the NPP Payment Initiation Request is not as per the specified formatFalse
FF08Invalid End To End IdEnd to End Id missing or invalidFalse
FF10Bank System Processing ErrorResponding Participant is unable to process the payment due to back office issues or outageTrue
FF11Clearing Request AbortedThe Clearing Request associated to payment was abortedFalse
FRADFraudulent OriginThe NPP payment was rejected due to identified fraud or due to a scamFalse
MD01No AgreementThe NPP Payment Initiation Request did not contain a AgreementFalse
MD02Missing Mandatory Information In AgreementContact Zepto for more informationFalse
MD20Agreement ExpiredContact Zepto for more informationTrue
MS02Not Specified Reason Customer GeneratedThe payment was rejected by the Debtor Customer, but no reason was providedFalse
MS03Not Specified Reason Agent GeneratedThe payment was rejected by the Responding Participant, but no reason was providedFalse
NARRNarrativeContact Zepto for more informationTrue
NAUTNot AuthorisedThe payment contents do not align with the Agreement termsFalse
RR02Missing Debtor Name or AddressRegulatory details of the Debtor were not provided in the NPP Payment Initiation RequestFalse
RR03Missing Creditor Name or AddressRegulatory details of the Creditor were not provided in the NPP Payment Initiation RequestFalse
RR04Regulatory ReasonThe Agreement/Payment is rejected due to regulatory reasonsFalse
RC05Invalid BIC IdentifierThe BIC identifier in the Message Payload is invalid or missingFalse
SL01Specific Service offered by Debtor AgentThe NPP Payment Initiation Request was rejected specifically due to a service offered by the Responding ParticipantFalse
SL11Creditor not on Whitelist of DebtorThe Payee or the Initiating Party is not included in the Payer Customer's whitelistFalse
SL12Creditor on Blacklist of DebtorThe Payee or the Initiating Party is included in the Payer Customer's blacklistFalse
SL13Maximum number of Direct Debit Transactions exceededThe payment was rejected because the number of transactions requested exceeds the Debtor Agent offeringTrue
SL14Maximum Direct Debit Transaction Amount exceededThe payment was rejected because the total value of transactions requested exceeds the Debtor Agent offeringTrue
TD03Incorrect File StructureThe file format is incomplete or invalidTrue
TM01Invalid Cut Off TimeThe NPP Payment Initiation Request was received by the Responding Participant after an agreed cut-off timeTrue
AVEDAfter Validity End DateIt is after the agreement's validity end dateFalse
BVSDBefore Validity Start DateIt is before the agreement's validity start dateFalse
MCGPIn Grace PeriodThe agreement has recently been migrated and is still in its grace periodFalse
NACTNot ActiveAgreement is not activeFalse
ZPUNP01Debtor's financial institution does not support PayToCannot create agreement with provided debtor accountFalse
ZPUNP02Invalid creditor accountThe given creditor account cannot accept funds via NPPFalse
ZPUNP06Error resolving aliasZepto was unable to reach the addressing serviceFalse
ZPUNP07Debtor alias not foundZepto was unable to resolve the given debtor aliasFalse
ZPUNP08Creditor alias not foundZepto was unable to resolve the given creditor aliasFalse
UKNWNUnknown ErrorAn unexpected error occured. Reach out to Zepto for more informationFalse

Refund Failure Codes

Can be present on a failed payment refund and give more detail about why the refund has failed.

CodeTitleDescription
ZPPAY00Duplicate UIDA payment with the given UID already exists
ZPREF07The provided fund source has insufficient fundsThe provided fund source has insufficient funds to process this refund
ZPREF11Over Daily LimitThis Refund would cause you to exceed your current daily limit
AC02Invalid Debtor AccountThe Payer Customer Account does not exist within NPP
AC03Invalid Creditor Account NumberThe Payee Customer Account does not exist within NPP
AC05Closed Debtor AccountThe Payer Customer account is closed
AC06Blocked AccountThe Payer Customer Account is blocked
AC07Closed Creditor Account NumberThe Payee Customer account is closed
AC14Invalid Creditor Account TypeThe Payee Customer Account does not allow funds to be debited within NPP
AG01Transaction ForbiddenThe Payer Customer Account is unable to be debited
AG03Transaction Not SupportedThe Payer Customer Account is able to make NPP Payments, but is not able to make NPP Payments to the Payee Customer Account type
AGNTIncorrect AgentBSB/IIN of the account provided falls outside the range published in the NPP Reference Data
AM01Zero AmountSpecified message amount is equal to zero
AM02Not Allowed AmountSpecified transaction amount is greater than allowed maximum
AM03Not Allowed CurrencyThe Payer Customer Account cannot draw funds in AUD
AM06Too Low AmountThe amount requested is below the agreed minimum amount
AM12Invalid AmountNo amount and/or no maximum amount have been specified
AM19Invalid Group Number Of TransactionsThe number of transactions in the NPP Payment Initiation Request is not 1
BE06Unknown End CustomerThe Payer Customer associated with the nominated Payer Customer Account does not exist within the Payer Participant (or applicable identified Institution) customer list
BE08Missing Debtor NameDebtor name is missing
BE22Missing Creditor NameCreditor name is missing
CH20Decimal Points Not Compatible With CurrencyThe amount does not have two or zero fraction digits
CH21Required Element MissingOne or more mandatory fields have not been provided
DT02Invalid Creation DateThe CreationDateTime in the Group Header is not as per the required format
ED06Settlement System Not AvailableThe FSS is unavailable so the Clearing Request cannot be made
FF04Invalid Service Level CodeThe Service Level code in the NPP Payment Initiation Request is not as per the specified format
FF08Invalid End To End IdEnd to End Id missing or invalid
FF10Bank System Processing ErrorResponding Participant is unable to process the payment due to back office issues or outage
FF11Clearing Request AbortedThe Clearing Request associated to payment was aborted
TD03Incorrect File StructureThe file format is incomplete or invalid
AB01Aborted Clearing TimeoutClearing process aborted due to timeout
AB02Aborted Clearing Fatal ErrorClearing process aborted due to a fatal error
ZPPAY24Participant not availableOne of the participants is currently not available to process the payment.
AB03Aborted Settlement TimeoutSettlement aborted due to timeout
AB04Aborted Settlement Fatal ErrorSettlement process aborted due to a fatal error
AB08Offline Creditor AgentPayer Participant is unavailable to process the payment due to Payee Participant being unavailable
AC13Invalid Debtor Account TypeThe Payer Customer Account does not allow funds to be debited within NPP
AC15Account Details ChangedThe account details for the counterparty have changed
AG07Unsuccesful Direct DebitDebtor account cannot be debited for a generic reason. May indicate insufficient funds
AM04Insufficient FundsThe specified Payer Customer Account has insufficient funds
AM09Wrong AmountThe amount requested was not what the Payer Customer was expecting
AM21Limit ExceededThe payment amount exceeds the agreed limit between the Responding Participant and the Debtor Customer
BE05Unrecognised Initiating PartyDebtor Customer has directed the Responding Participant to reject the payment as the Creditor is unknown to them
CURRIncorrect CurrencyCurrency of the payment is incorrect
CUSTRequested By CustomerDebtor Customer has directed the Responding Participant to reject the payment
DT04Future Date Not SupportedThe Business Service does not support future dated NPP payments
ED05Settlement FailedSettlement of the transaction has failed
FRADFraudulent OriginThe NPP payment was rejected due to identified fraud or due to a scam
MD01No AgreementThe NPP Payment Initiation Request did not contain a Agreement
MD02Missing Mandatory Information In AgreementContact Zepto for more information
MD20Agreement ExpiredContact Zepto for more information
MS02Not Specified Reason Customer GeneratedThe payment was rejected by the Debtor Customer, but no reason was provided
MS03Not Specified Reason Agent GeneratedThe payment was rejected by the Responding Participant, but no reason was provided
NARRNarrativeContact Zepto for more information
NAUTNot AuthorisedThe payment contents do not align with the Agreement terms
RR02Missing Debtor Name or AddressRegulatory details of the Debtor were not provided in the NPP Payment Initiation Request
RR03Missing Creditor Name or AddressRegulatory details of the Creditor were not provided in the NPP Payment Initiation Request
RR04Regulatory ReasonThe Agreement/Payment is rejected due to regulatory reasons
RC05Invalid BIC IdentifierThe BIC identifier in the Message Payload is invalid or missing
SL01Specific Service offered by Debtor AgentThe NPP Payment Initiation Request was rejected specifically due to a service offered by the Responding Participant
SL11Creditor not on Whitelist of DebtorThe Payee or the Initiating Party is not included in the Payer Customer's whitelist
SL12Creditor on Blacklist of DebtorThe Payee or the Initiating Party is included in the Payer Customer's blacklist
SL13Maximum number of Direct Debit Transactions exceededThe payment was rejected because the number of transactions requested exceeds the Debtor Agent offering
SL14Maximum Direct Debit Transaction Amount exceededThe payment was rejected because the total value of transactions requested exceeds the Debtor Agent offering
TM01Invalid Cut Off TimeThe NPP Payment Initiation Request was received by the Responding Participant after an agreed cut-off time
AVEDAfter Validity End DateIt is after the agreement's validity end date
BVSDBefore Validity Start DateIt is before the agreement's validity start date
MCGPIn Grace PeriodThe agreement has recently been migrated and is still in its grace period
NACTNot ActiveAgreement is not active
ZPUNP01Debtor's financial institution does not support PayToCannot create agreement with provided debtor account
ZPUNP02Invalid creditor accountThe given creditor account cannot accept funds via NPP
ZPUNP06Error resolving aliasZepto was unable to reach the addressing service
ZPUNP07Debtor alias not foundZepto was unable to resolve the given debtor alias
ZPUNP08Creditor alias not foundZepto was unable to resolve the given creditor alias
UKNWNUnknown ErrorAn unexpected error occured. Reach out to Zepto for more information