PesoNet and InstaPay Error Codes

ISO 20022 Status codes implemented by both Pesonet and Instapay.

Error Code	Code Explanation	Explanation	Action
AB01	AbortedClearingTimeout	Failed transfer. Clearing was aborted.	Transaction failed due to a system issue. Please retry again in a few hours. If the problem persists, contact [email protected] for assistance.
AB02	AbortedClearingFatalError
AB03	AbortedSettlementTimeout
AB04	AbortedSettlementFatalError
AB05	TimeoutCreditorAgent
AB06	TimeoutInstructedAgent
AB07	OfflineAgent
AB08	OfflineCreditorAgent	Other party's account server is offline	Transaction failed as the recipient’s bank is temporarily offline. Please try again later.
AB09	ErrorCreditorAgent
AB10	ErrorInstructedAgent
AC01	IncorrectAccountNumber	Merchant sent to an account number that doesn't exist	Transaction failed as the recipient's account number is invalid or does not exist. Please double-check the details and enter the correct account number before trying again.
AC02	InvalidDebtorAccountNumber
AC03	InvalidCreditorAccountNumber	Merchant sent to an invalid account number	Transaction failed as the recipient account number is invalid. Please verify the account details and try again. If the problem persists, contact [email protected] for assistance.
AC04	ClosedAccountNumber	Merchant sent to a closed account number	Transaction failed as the recipient's account has been closed. Please verify the details, and try sending to an active recipient account.
AC05	ClosedDebtorAccountNumber
AC06	BlockedAccount	Merchant sent to an account number that's blocked	Transaction failed as the recipient account is currently blocked. Please verify the details, and try sending to an active recipient account.
AC07	ClosedCreditorAccountNumber
AC08	InvalidBranchCode
AC09	InvalidAccountCurrency
AC10	InvalidDebtorAccountCurrency
AC11	InvalidCreditorAccountCurrency
AC12	InvalidAccountType
AC13	InvalidDebtorAccountType
AC14	InvalidCreditorAccountType
AC15	AccountDetailsChanged
AG01	TransactionForbidden	Either the sender or receive is not allowed to receive the transfer	Transaction failed as this transfer is restricted. Please verify that the recipient's account can receive funds. If the issue persists, contact [email protected] for assistance.
AG02	InvalidBankOperationCode
AG03	TransactionNotSupported
AG04	InvalidAgentCountry
AG05	InvalidDebtorAgentCountry
AG06	InvalidCreditorAgentCountry
AG07	UnsuccesfulDirectDebit
AG08	InvalidAccessRights
AG09	PaymentNotReceived
AG10	AgentSuspended
AG11	CreditorAgentSuspended
AGNT	IncorrectAgent
AM01	ZeroAmount
AM02	NotAllowedAmount
AM03	NotAllowedCurrency
AM04	InsufficientFunds	Settlement account no funds	Transaction failed as your account does not have enough funds to complete this transaction. Please fund your account, and retry the transaction.
AM05	Duplication	Duplicate transaction was made	Transaction failed as it looks like this transaction has already been processed. Please check your transaction history before trying again.
AM06	TooLowAmount
AM07	BlockedAmount
AM09	WrongAmount
AM10	InvalidControlSum
AM11	InvalidTransactionCurrency
AM12	InvalidAmount
AM13	AmountExceedsClearingSystemLimit
AM14	AmountExceedsAgreedLimit	Receiving bank has limitations	Transaction failed as the recipient's account has reached its receiving limit. If the issue persists, please contact PayMongo support at [email protected] for assistance.
AM15	AmountBelowClearingSystemMinimum
AM16	InvalidGroupControlSum
AM17	InvalidPaymentInfoControlSum
AM18	InvalidNumberOfTransactions
AM19	InvalidGroupNumberOfTransactions
AM20	InvalidPaymentInfoNumberOfTransactions
AM21	LimitExceeded
AM22	ZeroAmountNotApplied
AM23	AmountExceedsSettlementLimit
BE01	InconsistenWithEndCustomer
BE04	MissingCreditorAddress
BE05	UnrecognisedInitiatingParty
BE06	UnknownEndCustomer
BE07	MissingDebtorAddress
BE08	MissingDebtorName
BE09	InvalidCountry
BE10	InvalidDebtorCountry
BE11	InvalidCreditorCountry
BE12	InvalidCountryOfResidence
BE13	InvalidDebtorCountryOfResidence
BE14	InvalidCreditorCountryOfResidence
BE15	InvalidIdentificationCode
BE16	InvalidDebtorIdentificationCode
BE17	InvalidCreditorIdentificationCode
BE18	InvalidContactDetails
BE19	InvalidChargeBearerCode
BE20	InvalidNameLength
BE21	MissingName
BE22	MissingCreditorName
CERI	CheckERI
CH03	RequestedExecutionDateOrRequestedCollectionDateTooFarInFuture
CH04	RequestedExecutionDateOrRequestedCollectionDateTooFarInPast
CH07	ElementIsNotToBeUsedAtB-andC-Level
CH09	MandateChangesNotAllowed
CH10	InformationOnMandateChangesMissing
CH11	CreditorIdentifierIncorrect
CH12	CreditorIdentifierNotUnambiguouslyAtTransaction-Level
CH13	OriginalDebtorAccountIsNotToBeUsed
CH14	OriginalDebtorAgentIsNotToBeUsed
CH15	ElementContentIncludesMoreThan140Characters
CH16	ElementContentFormallyIncorrect
CH17	ElementNotAdmitted
CH19	ValuesWillBeSetToNextTARGETday
CH20	DecimalPointsNotCompatibleWithCurrency
CH21	RequiredCompulsoryElementMissing
CH22	COREandB2BwithinOnemessage
CNOR	Creditor bank is not registered
CURR	IncorrectCurrency
CUST	RequestedByCustomer
DNOR	Debtor bank is not registered	bank is not registered	Transaction failed as the recipient bank is not registered. Please try another bank.
DS01	ElectronicSignaturesCorrect
DS02	OrderCancelled
DS03	OrderNotCancelled
DS04	OrderRejected
DS05	OrderForwardedForPostprocessing
DS06	TransferOrder
DS07	ProcessingOK
DS08	DecompressionError
DS09	DecryptionError
DS0A	DataSignRequested
DS0B	UnknownDataSignFormat
DS0C	SignerCertificateRevoked
DS0D	SignerCertificateNotValid
DS0E	IncorrectSignerCertificate
DS0F	SignerCertificationAuthoritySignerNotValid
DS0G	NotAllowedPayment
DS0H	NotAllowedAccount
DS0K	NotAllowedNumberOfTransaction
DS10	Signer1CertificateRevoked
DS11	Signer1CertificateNotValid
DS12	IncorrectSigner1Certificate
DS13	SignerCertificationAuthoritySigner1NotValid
DS14	UserDoesNotExist
DS15	IdenticalSignatureFound
DS16	PublicKeyVersionIncorrect
DS17	DifferentOrderDataInSignatures
DS18	RepeatOrder
DS19	ElectronicSignatureRightsInsufficient
DS20	Signer2CertificateRevoked
DS21	Signer2CertificateNotValid
DS22	IncorrectSigner2Certificate
DS23	SignerCertificationAuthoritySigner2NotValid
DS24	WaitingTimeExpired	Receiving bank didn't return a response on time	Transaction failed as the recipient bank failed to verify the transaction. Please retry your transaction again in a few hours.
DS25	OrderFileDeleted
DS26	UserSignedMultipleTimes
DS27	UserNotYetActivated
DT01	InvalidDate
DT02	InvalidCreationDate
DT03	InvalidNonProcessingDate
DT04	FutureDateNotSupported
DT05	InvalidCutOffDate	Invalid time	Transaction failed as the system flagged an invalid date format in the transaction. Please retry, and contact [email protected] if the problem persists.
DT06	ExecutionDateChanged
DU01	DuplicateMessageID
DU02	DuplicatePaymentInformationID
DU03	DuplicateTransaction	Duplicate transaction was made	Transaction failed as the transaction appears to be a duplicate. Please review your transactions, and try again.
DU04	DuplicateEndToEndID
DU05	DuplicateInstructionID
DUPL	DuplicatePayment
ED01	CorrespondentBankNotPossible
ED03	BalanceInfoRequest
ED05	SettlementFailed
ED06	SettlementSystemNotAvailable
ERIN	ERIOptionNotSupported
FF01	Invalid File Format
FF02	SyntaxError	Could be anything. Error in system code.	Transaction failed due to a technical error. Please retry, and contact [email protected] if the problem persists.
FF03	InvalidPaymentTypeInformation
FF04	InvalidServiceLevelCode
FF05	InvalidLocalInstrumentCode	Other party is not allowed to use the transfer feature. Example a bank who have not activated QR transfer but we are sending QR transfer to them.	Transaction failed as this bank does not support the selected transfer method. Please try another transfer option.
FF06	InvalidCategoryPurposeCode
FF07	InvalidPurpose
FF08	InvalidEndToEndId
FF09	InvalidChequeNumber
FF10	BankSystemProcessingError	Error on the other side	Transaction failed as the recipient bank encountered an issue. Try again later, or contact [email protected] for assistance.
FF11	ClearingRequestAborted
G000	Payment transferred and not tracked
G001	CreditDebitNotConfirmed
G002	CreditDebitNotConfirmed
G003	CreditPendingDocuments
G004	CreditPendingFunds
G005	DeliveredWithServiceLevel
G006	DeliveredWIthoutServiceLevel
ID01	CorrespondingOriginalFileStillNotSent
MD01	NoMandate
MD02	MissingMandatoryInformationIn Mandate
MD05	CollectionNotDue
MD06	RefundRequestByEndCustomer
MD07	EndCustomerDeceased
MS02	NotSpecifiedReasonCustomer Generated
MS03	NotSpecifiedReasonAgent Generated
NARR	Narrative NERI NoERI	Legacy system error	Transaction failed due to a system error. Please retry later. If the problem persists, contact [email protected] for assistance.
RC01	BankIdentifierIncorrect
RC02	InvalidBankIdentifier
RC03	InvalidDebtorBankIdentifier
RC04	InvalidCreditorBankIdentifier	Merchant sent to an account number that doesn't exist	Transaction failed as the recipient's account number is invalid or does not exist. Please double-check the details and enter the correct account number before trying again.
RC05	InvalidBICIdentifier
RC06	InvalidDebtorBICIdentifier
RC07	InvalidCreditorBICIdentifier
RC08	InvalidClearingSystemMemberIdentifier
RC09	InvalidDebtorClearingSystemMemberIdentifier
RC10	InvalidCreditorClearingSystemMemberIdentifier
RC11	InvalidIntermediaryAgent
RC12	MissingCreditorSchemeId
RCON	R-MessageConflict
RF01	NotUniqueTransactionReference
RR01	Missing Debtor Account or Identification
RR02	Missing Debtor Name or Address
RR03	Missing Creditor Name or Address
RR04	RegulatoryReason
RR05	RegulatoryInformationInvalid
RR06	TaxInformationInvalid
RR07	RemittanceInformationInvalid
RR08	RemittanceInformationTruncated
RR09	InvalidStructuredCreditorReference
RR10	InvalidCharacterSet
RR11	InvalidDebtorAgentServiceID
RR12	InvalidPartyID
S000	ValidRequestForCancellationAcknowledged
S001	UETRFlaggedForCancellation
S002	NetworkStopOfUETR
S003	RequestForCanacellationForwarded
S004	RequestForCancellationDeliveryAcknowledgement
SL01	Specific Service offered by Debtor Agent
SL02	Specific Service offered by Creditor Agent
SL11	Creditor not on Whitelist of Debtor
SL12	Creditor on Blacklist of Debtor
SL13	Maximum number of Direct Debit Transactions exceeded
SL14	Maximum Direct Debit Transaction Amount exceeded
TA01	TransmissonAborted
TD01	NoDataAvailable
TD02	FileNonReadable
TD03	IncorrectFileStructure
TM01	InvalidCutOffTime	Transaction did not complete within alloted cut off time.	Transaction failed as it didn't meet the alloted cut off time for processing. Please retry again within banking hours.
TS01	TransmissionSuccessful
TS04	TransferToSignByHand

Error Codes Unique to InstaPay

The table of codes stated below are error codes that are only applicable to InstaPay.

Error Code	Code Explanation	Explanation	Action
9909	IPS Switch system malfunction
9910	Receiving Bank - Logged Off	Receiving bank is offline	Transaction failed as the receiving bank is currently offline. Please try again after a few hours.
9912	Rvc Participant not available	Receiving participant is offline	Transaction failed as the recipient bank is currently unavailable. Please try again later.
9920	Interbank Fee Code invalid
9921	Application Criteria is invalid
9922	Type of Person is invalid
9923	Rate Debit Concept is not numeric
9924	Invalid Asset Indicator
9925	Invalid Month of Payment
9926	Month/Year of Payment is not numeric
9934	Sending Participant offline
9946	Sending Participant fully suspended
9947	Receiving Participant fully suspended
9948	Service suspended
9964	Invalid Bank Identification
NOAT	Message Type not supported

Other Common Transfer Errors

Error Message	Explanation	Action
transaction_limit_exceeded	Transaction went past 50k for Instapay or 10M for Pesonet	Transaction failed as it exceeded the allowed limit. InstaPay allows up to P50,000 per transaction, while PESONet allows up to P10 million. Please adjust the amount and try again.
internal_server_error	Raise to treasury team. Send give as much info as you can, transfer id, payload etc.	Transaction failed due to an unexpected server error. Please try again after a few hours. If issue persists, please contact [email protected] for assistance.
parameter_above_maximum	Payload values above the maximum	Transaction failed as it exceeded the allowed limit. InstaPay allows up to P50,000 per transaction, while PESONet allows up to P10 million. Please adjust the amount and try again.
parameter_format_invalid	Invalid payload	Transaction failed due to incorrect details. Please check all transaction information, such as the recipient’s account number and amount, and try again.
provider_processing_error	3rd party (instapay / pesonet) error	Transaction failed due to a processing error with the provider. Please retry later. If the problem persists, contact [email protected] for assistance.
too_many_requests	Rate limited	Transaction failed as too many requests have been made. Please wait a few minutes before trying again.
resource_frozen_state	account is frozen	Transaction failed as the recipient account is frozen and cannot receive payments. Please contact [email protected] for assistance.
resource_not_found	account not found	Transaction failed as the account does not exist. Please verify the account details and try again. If the problem persists, contact [email protected] for assistance.
transfer_to_self_not_allowed	Merchant is sending to their own wallet	Transaction failed as sending to your own account is not allowed. Please enter a different recipient account.
resource_closed_state	account is closed	Transaction failed as the recipient’s account is closed. Please transfer to a different recipient account.