ExternalReturnReason — Return reason of a payment (ISO 20022)
ExternalReturnReason1Code dice por qué un pago ya ejecutado ha vuelto: cuenta cancelada (AC04), saldo insuficiente (AM04), falta de mandato (MD01). Viaja en el RtrInf/Rsn/Cd de un extracto camt.052/053/054 y de una devolución pacs.004.
ExternalReturnReason (Return reason of a payment (ISO 20022))
ExternalReturnReason1Code dice por qué un pago ya ejecutado ha vuelto: cuenta cancelada (AC04), saldo insuficiente (AM04), falta de mandato (MD01). Viaja en el RtrInf/Rsn/Cd de un extracto camt.052/053/054 y de una devolución pacs.004.
ISO 20022 104 códigos ISO 20022 Registration Authority
Resumen
ExternalReturnReason1Code dice por qué un pago ya ejecutado ha vuelto: cuenta cancelada (AC04), saldo insuficiente (AM04), falta de mandato (MD01). Viaja en el RtrInf/Rsn/Cd de un extracto camt.052/053/054 y de una devolución pacs.004.
Cuándo se usa
Es el código que hay que leer cuando el dinero sale y reaparece en el extracto días después. Comparte códigos con los motivos de estado del pago, pero no su significado: un motivo de estado explica un pago que nunca se ejecutó; uno de devolución, un pago ejecutado y devuelto.
Fuente oficial: ISO 20022 External Code Sets — publication 1Q2026 Última verificación: Licencia: CC-BY-4.0
Descargar JSONCódigos de motivo de devolución (104)
| Código | Significado |
|---|---|
| AC01 | Format of the account number specified is not correct |
| AC03 | Wrong IBAN in SCT |
| AC04 | Account number specified has been closed on the bank of account's books |
| AC06 | Account specified is blocked, prohibiting posting of transactions against it |
| AC13 | Debtor account type is missing or invalid |
| AC14 | An agent in the payment chain is invalid |
| AC15 | Account details have changed |
| AC16 | Account is in sequestration |
| AC17 | Account is in liquidation |
| AG01 | Transaction forbidden on this type of account (formerly NoAgreement) |
| AG02 | Bank Operation code specified in the message is not valid for receiver |
| AM01 | Specified message amount is equal to zero |
| AM02 | Specific transaction/message amount is greater than allowed maximum |
| AM03 | Specified message amount is an non processable currency outside of existing agreement |
| AM04 | Amount of funds available to cover specified message amount is insufficient |
| AM05 | Duplication |
| AM06 | Specified transaction amount is less than agreed minimum |
| AM07 | Amount specified in message has been blocked by regulatory authorities |
| AM09 | Amount received is not the amount agreed or expected |
| AM10 | Sum of instructed amounts does not equal the control sum |
| ARDT | Already returned original SCT |
| BE01 | Identification of end customer is not consistent with associated account number, organisation ID or private ID |
| BE04 | Specification of creditor's address, which is required for payment, is missing/not correct (formerly IncorrectCreditorAddress) |
| BE05 | Party who initiated the message is not recognised by the end customer |
| BE06 | End customer specified is not known at associated Sort/National Bank Code or does no longer exist in the books |
| BE07 | Specification of debtor's address, which is required for payment, is missing/not correct |
| BE08 | Returned as a result of a bank error |
| CN01 | Authorisation is cancelled |
| CNOR | Creditor bank is not registered under this BIC in the CSM |
| CNPC | Cash not picked up by Creditor or cash could not be delivered to Creditor |
| CURR | Currency of the payment is incorrect |
| CUST | Cancellation requested by the Debtor |
| DNOR | Debtor bank is not registered under this BIC in the CSM |
| DS28 | Return following technical problems resulting in erroneous transaction |
| DT01 | Invalid date (eg, wrong settlement date) |
| DT02 | Cheque has been issued but not deposited and is considered expired |
| ED01 | Correspondent bank not possible |
| ED03 | Balance of payments complementary info is requested |
| ED05 | Settlement of the transaction has failed |
| EMVL | The card payment is fraudulent and was not processed with EMV technology for an EMV card |
| ERIN | The Extended Remittance Information (ERI) option is not supported |
| FF05 | Local Instrument code is missing or invalid |
| FOCR | Return following a cancellation request |
| FR01 | Returned as a result of fraud |
| FRTR | Final response/tracking is recalled as mandate is cancelled |
| MD01 | No Mandate |
| MD02 | Mandate related information data required by the scheme is missing |
| MD06 | Return of funds requested by end customer |
| MD07 | End customer is deceased |
| MS02 | Reason has not been specified by end customer |
| MS03 | Reason has not been specified by agent |
| NARR | Reason is provided as narrative information in the additional reason information |
| NOAS | No response from Beneficiary |
| NOCM | Customer account is not compliant with regulatory requirements, for example FICA (in South Africa) or any other regulatory requirements which render an account inactive for certain processing |
| NOOR | Original SCT never received |
| PINL | The card payment is fraudulent (lost and stolen fraud) and was processed as EMV transaction without PIN verification |
| RC01 | Bank Identifier code specified in the message has an incorrect format (formerly IncorrectFormatForRoutingCode) |
| RC07 | Incorrrect BIC of the beneficiary Bank in the SCTR |
| RF01 | Transaction reference is not unique within the message |
| RR01 | Specification of the debtor’s account or unique identification needed for reasons of regulatory requirements is insufficient or missing |
| RR02 | Specification of the debtor’s name and/or address needed for regulatory requirements is insufficient or missing |
| RR03 | Specification of the creditor’s name and/or address needed for regulatory requirements is insufficient or missing |
| RR04 | Regulatory Reason |
| RUTA | Return following investigation request and no remediation possible |
| SL01 | Due to specific service offered by the Debtor Agent |
| SL02 | Due to specific service offered by the Creditor Agent |
| SL11 | Whitelisting service offered by the Debtor Agent; Debtor has not included the Creditor on its “Whitelist” (yet)In the Whitelist the Debtor may list all allowed Creditors to debit Debtor bank account. |
| SL12 | Blacklisting service offered by the Debtor Agent; Debtor included the Creditor on his “Blacklist”In the Blacklist the Debtor may list all Creditors not allowed to debit Debtor bank account. |
| SL13 | Due to Maximum allowed Direct Debit Transactions per period service offered by the Debtor Agent |
| SL14 | Due to Maximum allowed Direct Debit Transaction amount service offered by the Debtor Agent |
| SP01 | Payment is stopped by account holder |
| SP02 | Previously stopped by means of a stop payment advise |
| SVNR | The card payment is returned since a cash amount rendered was not correct or goods or a service was not rendered to the customer, e.gin an e-commerce situation. |
| TM01 | Associated message was received after agreed processing cut-off time |
| TRAC | Return following direct debit being removed from tracking process |
| UPAY | Payment is not justified |
| AGNT | Agent in the payment workflow is incorrect |
| FF06 | Category Purpose code is missing or invalid |
| RC08 | ClearingSystemMemberidentifier is invalid or missingGeneric usage if cannot specify between debit or credit account. |
| BE11 | Creditor country code is missing or invalid |
| BE17 | Creditor or Ultimate Creditor identification code missing or invalid |
| AC02 | Debtor account number invalid or missing |
| RR11 | Invalid or missing identification of a bank proprietary service |
| BE10 | Debtor country code is missing or invalid |
| BE16 | Debtor or Ultimate Debtor identification code missing or invalid |
| RC11 | Intermediary Agent is invalid or missing |
| RR12 | Invalid or missing identification required within a particular country or payment type |
| FF03 | Payment Type Information is missing or invalidGeneric usage if cannot specify Service Level or Local Instrument code. |
| FF07 | Purpose is missing or invalid |
| FF04 | Service Level code is missing or invalid |
| RR09 | Structured creditor reference invalid or missing |
| RR05 | Regulatory or Central Bank Reporting information missing, incomplete or invalid |
| RR07 | Remittance information structure does not comply with rules for payment type |
| RR08 | Remittance information truncated to comply with rules for payment type |
| RR06 | Tax information missing, incomplete or invalid |
| AG07 | Debtor account cannot be debited for a generic reasonUsage: Code value may be used in general purposes and as a replacement for AM04 if debtor bank does not reveal its customer's insufficient funds for privacy reasons. |
| G004 | In a FIToFI Customer Credit Transfer: Credit to the creditor’s account is pending, status Originator is waiting for funds provided via a coverUpdate will follow from the Status Originator. |
| MD05 | Creditor or creditor's agent should not have collected the direct debit |
| AC07 | Creditor account number closed |
| DC04 | Return of Covering Settlement due to the underlying Credit Transfer details not being received |
| RC04 | Creditor bank identifier is invalid or missing |
| DT04 | Future date not supported |
| DUPL | Payment is a duplicate of another payment |
| RC03 | Debtor bank identifier is invalid or missing |