Comprehensive list of possible error codes that can be returned in a 422 response. Note that each endpoint will only return a subset of these codes. For a list of codes that can be returned by a specific endpoint, see the documentation for the 422 response within that endpoint.

Code	Title	Description
ZPUNP00	One or more fields violate the relevant schema	{details}
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
ZPUNP03	Creditor account number only zeroes	Creditor account number contains only zeroes
ZPUNP04	Creditor account number reserved	Creditor account number is a reserved account
ZPUNP05	Creditor branch code does not exist	Creditor branch code does not exist
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
ZPUNP09	Alias resolution not enabled	Account not enabled for alias resolution services
ZPAGR00	Duplicate UID	An agreement with the given UID already exists
ZPAGR01	No configured ABN	PayTo Merchants are required to have a configured ABN
ZPAGR02	Invalid resolution requested before	Resolution requested before cannot be after {latest_time}
ZPAGR03	Invalid resolution requested before	Resolution requested before cannot be in the past
ZPAGR04	Past validity start date	Validity start date must not be in the past
ZPAGR05	Validity start date not amendable	Validity start date cannot be amended
ZPAGR06	Validity start date after end date	Validity start date must be prior to the validity end date
ZPAGR07	Validity start date after first payment date	Validity start date must be prior to the first payment date
ZPAGR08	Validity end date too early	Validity end date must be equal to or later than the current date and, if given, the last payment date
ZPAGR09	First payment date in past	First payment date must not be in the past
ZPAGR10	Last payment date before first payment date	Last payment date cannot be before the first payment date
ZPAGR11	Last payment date in the past	Last payment date cannot be before the current date
ZPAGR12	Debtor account number only zeroes	Debtor account number contains only zeroes
ZPAGR13	Debtor account number reserved	Debtor account number is a reserved account
ZPAGR14	Debtor branch code does not exist	Debtor branch code does not exist
ZPAGR15	Mandate limit reached	You have reached the maximum number of mandates you can create for a debtor per 24 hours
ZPAGR16	Mandate create limit reached	You have reached the maximum number of mandates your account can create per 24 hours
ZPAGR17	Auto-Cancel Needs Resolution Date	'cancel_if_unresolved' must be accompanied by 'resolution_requested_before'
ZPAGR18	Initiator must include either ABN or ACN	You must provide either initiator ABN or initiator ACN
ZPPAY00	Duplicate UID	A payment with the given UID already exists
ZPPAY01	Over daily limit	This Payment would cause you to exceed your current daily limit of {limit}
ZPPAY02	Over per-transaction limit	The amount is higher than your current per-transaction limit of {limit}
ZPPAY03	Agreement not active	The related agreement must be active before you can initiate a payment
ZPPAY04	Creditor party name mismatch	The creditor party name does not match the name specified in the agreement
ZPPAY05	Creditor ultimate party name mismatch	The creditor ultimate party name does not match the name specified in the agreement
ZPPAY06	Creditor account mismatch	The creditor account does not match the account specified in the agreement
ZPPAY07	After validity end date	The validity end date specified in the agreement has already passed
ZPPAY08	Before validity start date	The validity start date specified in the agreement has not yet passed
ZPPAY09	Last payment required for balloon	The last payment parameter must be specified for a payment against a balloon type agreement
ZPPAY10	Last payment given for non-balloon	The last payment parameter must only be specified for a payment against a balloon type agreement
ZPPAY11	Creditor details required	The creditor details must be specified for a payment when not previously specified on the agreement
ZPPAY12	Amount over maximum	The payment amount is larger than the maximum specified in the agreement
ZPPAY13	After last payment date	The last payment date specified in the agreement has already passed
ZPPAY14	First payment date mismatch	The payment date does not match the first payment date specified in the agreement
ZPPAY15	Amount incorrect	The payment amount does not match the amount specified in the agreement
ZPPAY16	Timing incorrect	The time that this payment was initiated does not match the terms of the agreement
ZPPAY17	Too many payments	The maximum number of payments has already been reached for the current frequency period, according to the terms of the agreement
ZPPAY18	First payment amount incorrect	The payment amount does not match the first payment amount specified in the agreement
ZPPAY19	Last payment amount incorrect	The payment amount does not match the last payment amount specified in the agreement
ZPPAY20	Last payment date mismatch	The payment date does not match the last payment date specified in the agreement
ZPPAY21	Last payment made	No further payments can be created for this agreement, as the last payment has been made
ZPPAY22	Agreement not found	No agreement could be found for the given agreement UID
ZPPAY23	Debtor account mismatch	The payment debtor does not match the agreement debtor
ZPPAY25	Custom debtor not allowed	Not permitted to provide custom debtor party values that differ from agreement
ZPREF00	Duplicate UID	A refund with the given UID already exists
ZPREF01	Payment not found	No payment could be found for the given payment UID
ZPREF02	Payment not refundable	The payment is not refundable
ZPREF03	Float bank account not found	No float bank account could be found for the given float_bank_account_id
ZPREF04	Float bank account not active	The given float bank account is not currently active
ZPREF05	Float bank account missing services	The given float bank account is not configured to support realtime payments
ZPREF06	Total refunds greater than original payment amount	The sum of all refunds is greater than the original payment
ZPREF07	The provided fund source has insufficient funds	The provided fund source has insufficient funds to process this refund
ZPREF09	Original Payment is a Refund	The payment being refunded cannot be a payment created by a previous refund
ZPREF10	Debtor account alias is too long	PayTo Refunds processed via a float payment must have a debtor account alias with 140 characters or less
ZPREF12	Description must start with REFUND	PayTo Refunds processed via a float payment must have a description that starts with `REFUND`
ZPAMN00	Agreement not amendable	Agreement must be active or suspended before it can be amended
ZPAMN01	Amendment already processing	There is a pending amendment for this agreement
ZPAMN02	No changes	No changes were specified
ZPAMN03	Mandate doesn't change	The agreement already has the given changes
ZPAMN04	Validity end date not amendable	Validity end date cannot be amended if it was null in original mandate
ZPAMN05	Initiator not permitted	Initiator cannot be amended by your account
ZPAMN06	Invalid resolution requested before	Resolution requested before cannot be after {latest_time}
ZPAMN07	Resolution requested before in past	Resolution requested before cannot be in the past
ZPAMN08	Last payment made	This agreement can no longer be amended, as the last payment has been made
ZPPRY00	Payment not retryable	Payment is not in a retryable state
ZPPRY01	Too many retries	Payment has reached the maximum amount of retries
ZPPRY02	After mandate validity end date	The related agreement is no longer valid
ZPPRY03	Retry timeout	Payment has been retried too many times recently. Cannot be retried again until {next_time}
ZPPRY04	Retry timeout after validity end	Payment has been retried too many times recently and the related mandate will not be valid at the next retryable time.
ZPPRY05	Creditor Changed For Refund	The creditor of a PayTo Payment that is facilitating a PayTo Refund cannot be updated when retrying
ZPCAN00	Incorrect agreement state	Agreement can not be cancelled while in the '{state}' state
ZPCAN01	Already processing	There is a pending cancellation for this agreement
ZPREA00	Incorrect agreement state	Agreement cannot be reactivated by the initiator whilst in the '{state}' state (set by the {actor})
ZPREA01	Already processing	There is a pending reactivation for this agreement
ZPSUS00	Incorrect agreement state	Agreement can not be suspended by the initiator while in the '{state}' state
ZPSUS01	Already processing	There is a pending suspension for this agreement
ZPARE00	Amendment not recallable	Amendment is not recallable while in the '{state}' state
ZPARE01	Already processing	There is already an in-progress recall for this amendment
ZPARE02	Agreement has no amendment	Agreement has no in-progress amendment to recall
ZPPGN00	One or more paramaters are invalid	{details}
ZPADD01	Alias not found	The given alias was not able to be resolved
ZPADD02	Account lookup limit reached	The account level lookup limit has been reached for the current period
ZPADD03	Remote IP lookup limit reached	The remote IP level lookup limit has been reached for the current period
ZPADD04	Requester ID lookup limit reached	The requester ID level lookup limit has been reached for the current period