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.

Code	Title	Description
MMS.API.xxxx	Title of the MMS error	Contact Zepto for more information: More detail about the MMS error
ZPUNP01	Debtor's financial institution does not support PayTo	Cannot create agreement with provided debtor account
ZPUNP02	Invalid creditor account	The given creditor account cannot accept funds via NPP
ZPUNP06	Error resolving alias	Zepto was unable to reach the addressing service
ZPUNP07	Debtor alias not found	Zepto was unable to resolve the given debtor alias
ZPUNP08	Creditor alias not found	Zepto was unable to resolve the given creditor alias
UKNWN	Unknown Error	An 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.

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

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.

Code	Title	Description
AC02	Invalid Debtor Account	The Payer Customer Account does not exist within NPP
AC04	Closed Account Number	The account has been closed and the Mandate is no longer valid
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
MD07	End Customer Deceased	End customer is deceased
MD08	No Mandate Service By Agent	The Mandate Service is no longer supported by the Agent
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
MD17	Requested By Initiating Party	Cancellation/amendment requested by the creditor or by the initiating party
MD20	Agreement Expired	Contact Zepto for more information
MD21	Agreement Cancelled Due To Fraud	The Payer Participant detects fraud within the Agreement
MS02	Not Specified Reason Customer Generated	The payment was rejected by the Debtor Customer, but no reason was provided
MS03	Not Specified Reason Agent Generated	The payment was rejected by the Responding Participant, but no reason was provided
NARR	Narrative	Contact Zepto for more information
RR04	Regulatory Reason	The Agreement/Payment is rejected due to regulatory reasons
SL01	Specific Service offered by Debtor Agent	The NPP Payment Initiation Request was rejected specifically due to a service offered by the Responding Participant
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
CTAM	Contract Amended	Mandate suspended due to amendment of the contract
CTCA	Contract Cancellation Initiated By Debtor	Mandate suspended due to cancellation of the contract, requested by the debtor
CTEX	Contract Expired	Mandate suspended due to the contract that expired
MCFC	Mandate Suspended Final Collection	Mandate suspended as final collection took place
MCOC	Mandate Suspended Once Off Collection	Mandate suspended as the once off collection took place
MSUC	Mandate Suspended 7 Consecutive Unsuccessful Collections	Mandate suspended after 7 consecutive unsuccessful collections
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

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.

Code	Title	Description	Retryable
ZPPAY24	Participant not available	One of the participants is currently not available to process the payment.	False
AB01	Aborted Clearing Timeout	Clearing process aborted due to timeout	True
AB02	Aborted Clearing Fatal Error	Clearing process aborted due to a fatal error	True
AB03	Aborted Settlement Timeout	Settlement aborted due to timeout	True
AB04	Aborted Settlement Fatal Error	Settlement process aborted due to a fatal error	True
AB08	Offline Creditor Agent	Payer Participant is unavailable to process the payment due to Payee Participant being unavailable	True
AC02	Invalid Debtor Account	The Payer Customer Account does not exist within NPP	False
AC03	Invalid Creditor Account Number	The Payee Customer Account does not exist within NPP	False
AC05	Closed Debtor Account	The Payer Customer account is closed	False
AC06	Blocked Account	The Payer Customer Account is blocked	True
AC07	Closed Creditor Account Number	The Payee Customer account is closed	False
AC13	Invalid Debtor Account Type	The Payer Customer Account does not allow funds to be debited within NPP	False
AC14	Invalid Creditor Account Type	The Payee Customer Account does not allow funds to be debited within NPP	False
AC15	Account Details Changed	The account details for the counterparty have changed	False
AG01	Transaction Forbidden	The Payer Customer Account is unable to be debited	False
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	False
AG07	Unsuccesful Direct Debit	Debtor account cannot be debited for a generic reason. May indicate insufficient funds	True
AGNT	Incorrect Agent	BSB/IIN of the account provided falls outside the range published in the NPP Reference Data	False
AM01	Zero Amount	Specified message amount is equal to zero	False
AM02	Not Allowed Amount	Specified transaction amount is greater than allowed maximum	False
AM03	Not Allowed Currency	The Payer Customer Account cannot draw funds in AUD	False
AM04	Insufficient Funds	The specified Payer Customer Account has insufficient funds	True
AM06	Too Low Amount	The amount requested is below the agreed minimum amount	False
AM09	Wrong Amount	The amount requested was not what the Payer Customer was expecting	False
AM12	Invalid Amount	No amount and/or no maximum amount have been specified	False
AM19	Invalid Group Number Of Transactions	The number of transactions in the NPP Payment Initiation Request is not 1	False
AM21	Limit Exceeded	The payment amount exceeds the agreed limit between the Responding Participant and the Debtor Customer	True
BE05	Unrecognised Initiating Party	Debtor Customer has directed the Responding Participant to reject the payment as the Creditor is unknown to them	False
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	False
BE08	Missing Debtor Name	Debtor name is missing	False
BE22	Missing Creditor Name	Creditor name is missing	False
CH20	Decimal Points Not Compatible With Currency	The amount does not have two or zero fraction digits	False
CH21	Required Element Missing	One or more mandatory fields have not been provided	False
CURR	Incorrect Currency	Currency of the payment is incorrect	False
CUST	Requested By Customer	Debtor Customer has directed the Responding Participant to reject the payment	False
DT02	Invalid Creation Date	The CreationDateTime in the Group Header is not as per the required format	False
DT04	Future Date Not Supported	The Business Service does not support future dated NPP payments	False
ED05	Settlement Failed	Settlement of the transaction has failed	False
ED06	Settlement System Not Available	The FSS is unavailable so the Clearing Request cannot be made	False
FF04	Invalid Service Level Code	The Service Level code in the NPP Payment Initiation Request is not as per the specified format	False
FF08	Invalid End To End Id	End to End Id missing or invalid	False
FF10	Bank System Processing Error	Responding Participant is unable to process the payment due to back office issues or outage	True
FF11	Clearing Request Aborted	The Clearing Request associated to payment was aborted	False
FRAD	Fraudulent Origin	The NPP payment was rejected due to identified fraud or due to a scam	False
MD01	No Agreement	The NPP Payment Initiation Request did not contain a Agreement	False
MD02	Missing Mandatory Information In Agreement	Contact Zepto for more information	False
MD20	Agreement Expired	Contact Zepto for more information	True
MS02	Not Specified Reason Customer Generated	The payment was rejected by the Debtor Customer, but no reason was provided	False
MS03	Not Specified Reason Agent Generated	The payment was rejected by the Responding Participant, but no reason was provided	False
NARR	Narrative	Contact Zepto for more information	True
NAUT	Not Authorised	The payment contents do not align with the Agreement terms	False
RR02	Missing Debtor Name or Address	Regulatory details of the Debtor were not provided in the NPP Payment Initiation Request	False
RR03	Missing Creditor Name or Address	Regulatory details of the Creditor were not provided in the NPP Payment Initiation Request	False
RR04	Regulatory Reason	The Agreement/Payment is rejected due to regulatory reasons	False
RC05	Invalid BIC Identifier	The BIC identifier in the Message Payload is invalid or missing	False
SL01	Specific Service offered by Debtor Agent	The NPP Payment Initiation Request was rejected specifically due to a service offered by the Responding Participant	False
SL11	Creditor not on Whitelist of Debtor	The Payee or the Initiating Party is not included in the Payer Customer's whitelist	False
SL12	Creditor on Blacklist of Debtor	The Payee or the Initiating Party is included in the Payer Customer's blacklist	False
SL13	Maximum number of Direct Debit Transactions exceeded	The payment was rejected because the number of transactions requested exceeds the Debtor Agent offering	True
SL14	Maximum Direct Debit Transaction Amount exceeded	The payment was rejected because the total value of transactions requested exceeds the Debtor Agent offering	True
TD03	Incorrect File Structure	The file format is incomplete or invalid	True
TM01	Invalid Cut Off Time	The NPP Payment Initiation Request was received by the Responding Participant after an agreed cut-off time	True
AVED	After Validity End Date	It is after the agreement's validity end date	False
BVSD	Before Validity Start Date	It is before the agreement's validity start date	False
MCGP	In Grace Period	The agreement has recently been migrated and is still in its grace period	False
NACT	Not Active	Agreement is not active	False
ZPUNP01	Debtor's financial institution does not support PayTo	Cannot create agreement with provided debtor account	False
ZPUNP02	Invalid creditor account	The given creditor account cannot accept funds via NPP	False
ZPUNP06	Error resolving alias	Zepto was unable to reach the addressing service	False
ZPUNP07	Debtor alias not found	Zepto was unable to resolve the given debtor alias	False
ZPUNP08	Creditor alias not found	Zepto was unable to resolve the given creditor alias	False
UKNWN	Unknown Error	An unexpected error occured. Reach out to Zepto for more information	False

Refund Failure Codes

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

Code	Title	Description
ZPPAY00	Duplicate UID	A payment with the given UID already exists
ZPREF07	The provided fund source has insufficient funds	The provided fund source has insufficient funds to process this refund
AC02	Invalid Debtor Account	The Payer Customer Account does not exist within NPP
AC03	Invalid Creditor Account Number	The Payee 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
AC07	Closed Creditor Account Number	The Payee Customer account is closed
AC14	Invalid Creditor Account Type	The Payee 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
AGNT	Incorrect Agent	BSB/IIN of the account provided falls outside the range published in the NPP Reference Data
AM01	Zero Amount	Specified message amount is equal to zero
AM02	Not Allowed Amount	Specified transaction amount is greater than allowed maximum
AM03	Not Allowed Currency	The Payer Customer Account cannot draw funds in AUD
AM06	Too Low Amount	The amount requested is below the agreed minimum amount
AM12	Invalid Amount	No amount and/or no maximum amount have been specified
AM19	Invalid Group Number Of Transactions	The number of transactions in the NPP Payment Initiation Request is not 1
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
BE08	Missing Debtor Name	Debtor name is missing
BE22	Missing Creditor Name	Creditor name is missing
CH20	Decimal Points Not Compatible With Currency	The amount does not have two or zero fraction digits
CH21	Required Element Missing	One or more mandatory fields have not been provided
DT02	Invalid Creation Date	The CreationDateTime in the Group Header is not as per the required format
ED06	Settlement System Not Available	The FSS is unavailable so the Clearing Request cannot be made
FF04	Invalid Service Level Code	The Service Level code in the NPP Payment Initiation Request is not as per the specified format
FF08	Invalid End To End Id	End to End Id missing or invalid
FF10	Bank System Processing Error	Responding Participant is unable to process the payment due to back office issues or outage
FF11	Clearing Request Aborted	The Clearing Request associated to payment was aborted
TD03	Incorrect File Structure	The file format is incomplete or invalid
AB01	Aborted Clearing Timeout	Clearing process aborted due to timeout
AB02	Aborted Clearing Fatal Error	Clearing process aborted due to a fatal error
ZPPAY24	Participant not available	One of the participants is currently not available to process the payment.
AB03	Aborted Settlement Timeout	Settlement aborted due to timeout
AB04	Aborted Settlement Fatal Error	Settlement process aborted due to a fatal error
AB08	Offline Creditor Agent	Payer Participant is unavailable to process the payment due to Payee Participant being unavailable
AC13	Invalid Debtor Account Type	The Payer Customer Account does not allow funds to be debited within NPP
AC15	Account Details Changed	The account details for the counterparty have changed
AG07	Unsuccesful Direct Debit	Debtor account cannot be debited for a generic reason. May indicate insufficient funds
AM04	Insufficient Funds	The specified Payer Customer Account has insufficient funds
AM09	Wrong Amount	The amount requested was not what the Payer Customer was expecting
AM21	Limit Exceeded	The payment amount exceeds the agreed limit between the Responding Participant and the Debtor Customer
BE05	Unrecognised Initiating Party	Debtor Customer has directed the Responding Participant to reject the payment as the Creditor is unknown to them
CURR	Incorrect Currency	Currency of the payment is incorrect
CUST	Requested By Customer	Debtor Customer has directed the Responding Participant to reject the payment
DT04	Future Date Not Supported	The Business Service does not support future dated NPP payments
ED05	Settlement Failed	Settlement of the transaction has failed
FRAD	Fraudulent Origin	The NPP payment was rejected due to identified fraud or due to a scam
MD01	No Agreement	The NPP Payment Initiation Request did not contain a Agreement
MD02	Missing Mandatory Information In Agreement	Contact Zepto for more information
MD20	Agreement Expired	Contact Zepto for more information
MS02	Not Specified Reason Customer Generated	The payment was rejected by the Debtor Customer, but no reason was provided
MS03	Not Specified Reason Agent Generated	The payment was rejected by the Responding Participant, but no reason was provided
NARR	Narrative	Contact Zepto for more information
NAUT	Not Authorised	The payment contents do not align with the Agreement terms
RR02	Missing Debtor Name or Address	Regulatory details of the Debtor were not provided in the NPP Payment Initiation Request
RR03	Missing Creditor Name or Address	Regulatory details of the Creditor were not provided in the NPP Payment Initiation Request
RR04	Regulatory Reason	The Agreement/Payment is rejected due to regulatory reasons
RC05	Invalid BIC Identifier	The BIC identifier in the Message Payload is invalid or missing
SL01	Specific Service offered by Debtor Agent	The NPP Payment Initiation Request was rejected specifically due to a service offered by the Responding Participant
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
SL13	Maximum number of Direct Debit Transactions exceeded	The payment was rejected because the number of transactions requested exceeds the Debtor Agent offering
SL14	Maximum Direct Debit Transaction Amount exceeded	The payment was rejected because the total value of transactions requested exceeds the Debtor Agent offering
TM01	Invalid Cut Off Time	The NPP Payment Initiation Request was received by the Responding Participant after an agreed cut-off time
AVED	After Validity End Date	It is after the agreement's validity end date
BVSD	Before Validity Start Date	It is before the agreement's validity start date
MCGP	In Grace Period	The agreement has recently been migrated and is still in its grace period
NACT	Not Active	Agreement is not active
ZPUNP01	Debtor's financial institution does not support PayTo	Cannot create agreement with provided debtor account
ZPUNP02	Invalid creditor account	The given creditor account cannot accept funds via NPP
ZPUNP06	Error resolving alias	Zepto was unable to reach the addressing service
ZPUNP07	Debtor alias not found	Zepto was unable to resolve the given debtor alias
ZPUNP08	Creditor alias not found	Zepto was unable to resolve the given creditor alias
UKNWN	Unknown Error	An unexpected error occured. Reach out to Zepto for more information