Returned Payments
Background
Outbound payments can be returned to us for a variety of reasons.
When outbound payments are returned to us, they are payments into our platform so we trigger sending the PAYIN Webhook.
We are normally provided with the reason for the return in the form of a code, with each payment scheme having their own codes. So you can understand the reason why a payment was returned, we map these codes into a consolidated list of return reasons which we provide in the ReturnReason field of the PAYIN webhook.
Return Reasons
The list of "Return Reasons" with a description as to what each Return Reason means is outlined below:
Return Reason | Meaning |
|---|---|
ACCADDRESSINVALID | The beneficiaries address was missing or invalid |
ACCNOCURRENCY | The account was not in the currency specified in the payment |
ACCNOREFINFO | The account could not be identified and requires information in the reference field to do so. |
ACCTRANSFERRED | The account has been transferred to another provider |
BENSCANUNKNOWN | The account is unknown |
BENACCCLOSED | The account has been closed |
BENACCNAMEBENACCNR | The beneficiaries name did not match that on the account |
BENACCSTOPPED | The account has been blocked |
BENDECEASED | The beneficiary is deceased |
BENREQ | At the request of the beneficiary |
BICINVALID | The wrong BIC was supplied |
DUPLICATE | The payment was deemed to be a duplicate |
RECALL | As the result of a successful recall request |
REGULATION | A regulatory requirement was not met |
SENDERREQ | At the request of the sender |
SENSITIVITIES | No reason specified due to sensitive nature |
TANDC | The terms & conditions of the account prevented the payment being credited |
OTHER | The precise reason cannot be ascertained |
Updated 1 day ago