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