Visa B2B Connect

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Visa B2B Connect Reason Codes

Make Payment API

To determine the status of any Visa B2B Connect API call, use the combination of the HTTP status code returned in the response, the reason code from Visa B2B Connect or the platform, and other information included in the response message in order to apply the correct processing logic and communication. The following tabs and tables provides additional guidance on how to interpret and act upon status responses for Make Payment API.

Reason Code Description
AC02 Debtor account number/IBAN/enterprise id is missing or invalid
AC03 Creditor account number/IBAN/enterprise Id is missing or invalid
AC05 Debtor not enabled for payments
AC07 Creditor not enabled for payments
AC08 Creditor Agent Branch ID is missing or invalid
AG03 Payment not supported as per current network rules/configuration
AG10 Debtor Agent profile is disabled
AG11 Creditor Agent profile is disabled
AM01 Instructed amount is equal to zero or negative
AM03 Instructed currency is not supported at this time
AM11 Instructed currency is missing or invalid
AM12 Instructed Amount is missing or invalid
AM15 Instructed amount below minimum set by network
BE04 Creditor Address is missing or invalid
BE06 Creditor specified is not known or no longer associated with Creditor Agent
BE07 Debtor Address is missing or invalid
BE08 Debtor Name is missing or invalid
BE10 Debtor country code is missing or invalid
BE11 Creditor country code is missing or invalid
BE22 Creditor Name is missing or invalid
CH20 Number of decimal points not compatible with the Instructed currency
DNOR Debtor Agent not registered on the network
DU03 Duplicate Transaction ID
FF04 Service Level code is missing or invalid
FF07 Purpose of Payment is missing or invalid
FF08 End to End ID and/or Transaction ID is missing or invalid
FF10 File or payment cannot be processed due to technical issues
RC03 Debtor Agent BIC and BID mismatch
RC05 Instructing Reimbursement Agent BIC identifier is invalid or inactive
RC06 Debtor Agent or Bank BIC/BID identifier is invalid or missing
RC07 Creditor Agent or Bank BIC/BID identifier is invalid or missing
RC10 Creditor Agent Clearing Member ID is invalid or missing
Z001 No Header found in the request
Z002 Debtor's country is blocked for payments by Visa Or Debtor agent
Z003 Debtor's country is blocked for payments by Creditor Agent Or Creditor
Z004 Debtor Agent's country is blocked for payments by Visa
Z005 Debtor agent's country is blocked for trade by Creditor Agent Or Creditor
Z006 Creditor's Country is blocked for payments by Creditor Agent
Z007 Creditor's country is blocked for trade by Visa Or Debtor agent Or Debtor
Z008 Creditor agent's country is blocked for trade by Visa Or Debtor agent Or Debtor
Z009 Instructed Amount exceeds bank's single transaction limit
Z010 Instructed Amount exceeds bank's daily transaction limit
Z022 BIC for Debtor Agent does not match BIC for Debtor Account
Z023 BIC for Creditor Agent does not match BIC for Creditor Account
Z011 Instructed Amount exceeds single transaction limit agreed between bank and company
Z012 Instructed Amount exceeds daily transaction limit agreed between bank and company
Z013 Invalid Instruction for Creditor Agent
Z014 Invalid Unstructured Remittance
Z015 Invalid Purpose of Payment Code
Z016 Invalid Invoice Number
Z017 Invalid PO Number
Z018 Invalid Invoice Notes
Z019 FX Trade Reference Number used in payment has expired
Z021 BIC for bank in header and Debtor Agent BIC does not match
Z024 Creditor Agent Branch Name is missing or invalid
Z025 Creditor Contact Phone Number is missing or invalid
Z026 Creditor Tax ID is missing or invalid
Z027 Value Added Tax Indicator is missing or invalid
Z028 Invalid Purpose of Payment Code 2
Z029 Invalid Creditor Contact Name
Z400 Payment Processing failed
Z418 Creditor Agent Tax ID is missing or invalid
Z419 Creditor Agent IBAN is missing or invalid
Reason Code Description
AC03 Incorrect Creditor Account
AM09 Incorrect Instruction Amount
AGNT Agent in the payment workflow is incorrect
CURR Incorrect Instruction currency
CUST Cancellation requested by the Debtor
CUTA Cancellation requested due to investigation request
DUPL Duplicate Payment
TECH Technical problems resulting in erroneous payment
FRAD Fraudulently originated payment
UPAY Payment is not justified
Reason Code Description
AC01 Incorrect Creditor Account Number
AC03 Invalid Creditor Account Number
AC04 Creditor account closed
AC06 Unable to post to creditor account
AC15 Account details have changed
AC16 Account is in sequestration
AC17 Account is in liquidation
AM02 Specific instructed amount is greater than allowed maximum
AM03 Specific instructed amount is a non-processable currency outside of existing agreement
AM05 Duplicate payment
AM06 Specified instructed amount is less than agreed minimum
AM09 Amount received is not the amount agreed or expected
ARDT Already returned payment
BE01 Identification of end customer is non consistent with associated account number
BE04 Specification of creditor's address, which is required for payment, is missing/not correct
BE05 Party who initiated the message is not recognized by the creditor
CURR Currency of the payment is incorrect
CUST Return at request of Creditor
FOCR Originating Bank Requested
FR01 Returned as a result of fraud
NOCM Customer account is not compliant with regulatory requirements which render an account inactive for certain processing
NARR Reason is provided as narrative information in comments
NOAS Failed to contact beneficiary
RC01 Clearing Member ID specified in the payment has an incorrect format
RC02 Clearing Member ID specified in the payment is not numeric
RC03 Clearing Member ID specified in the payment is not valid for local clearing
RC04 Clearing Member ID specified in the payment refers to a closed branch
RR01 Specification of the debtor's account nor 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
UPAY Payment is not justified
ZZ01 More information needed to process payment
Reason Code Description
Z030 Clearing Agent  Member ID (6-digit BSB Code) is required for AUD payment to Australia (AU)
Z031 Creditor Account Number is required for AUD payment to Australia (AU)
Z032 Clearing Agent  Member ID (9-digit Payment Routing Number) is required for CAD payment to Canada (CA)
Z033 Creditor Account Number is required for CAD payment to Canada (CA)
Z034 Creditor IBAN (21 characters) is required for CHF payment to Switzerland (CH)
Z035 Creditor IBAN (24 characters) is required for CZK payment to Czech Republic (CZ)
Z036 Creditor IBAN (18 characters) is required for DKK payment to Denmark (DK)
Z037 Creditor IBAN (20 characters) is required for EUR payment to Austria (AT)
Z038 Creditor IBAN (16 characters) is required for EUR payment to Belgium (BE)
Z039 Creditor IBAN (18 characters) is required for EUR payment to Finland (FI)
Z040 Creditor IBAN (27 characters) is required for EUR payment to France (FR)
Z041 Creditor IBAN (22 characters) is required for EUR payment to Germany (DE)
Z042 Creditor IBAN (27 characters) is required for EUR payment to Greece (GR)
Z043 Creditor IBAN (22 characters) is required for EUR payment to Ireland (IE)
Z044 Creditor IBAN (27 characters) is required for EUR payment to Italy (IT)
Z045 Creditor IBAN (18 characters) is required for EUR payment to Netherlands (NL)
Z046 Creditor IBAN (25 characters) is required for EUR payment to Portugal (PT)
Z047 Creditor IBAN (24 characters) is required for EUR payment to Spain (ES)
Z048 Creditor Account Number (18 characters) is required for MXN payment to Mexico (MX)
Z049 Creditor IBAN (15 characters) is required for NOK payment to Norway (NO)
Z050 Clearing Agent  Member ID (6-digit National Clearing Code) is required for NZD payment to New Zealand (NZ)
Z051 Creditor Account Number is required for NZD payment to New Zealand (NZ)
Z052 Creditor IBAN (28 characters) is required for PLN payment to Poland (PL)
Z053 Clearing Agent  Member ID (9-digit Russian Central  Bank IDentification Code) is required for RUB payment to Russia (RU)
Z054 Creditor Account Number (20 characters) is required for RUB payment to Russia (RU)
Z055 Creditor  Tax ID (10-digits) is required for RUB payment to Russia (RU)
Z056 Purpose of Payment is required for RUB payment to Russia (RU)
Z058 Value Added Tax Indicator (INC or EX) is required for RUB payment to Russia (RU)
Z059 Creditor IBAN (24 characters) is required for SAR payment to Saudi Arabia (SA)
Z060 Purpose of Payment (freeform text) is required for SAR payment to Saudi Arabia (SA)
Z061 Creditor IBAN (24 characters) is required for SEK payment to Sweden (SE)
Z062 Creditor Account Number is required for SGD payment to Singapore (SG)
Z063 One of (Creditor Account Number and Creditor Agent Clearing  Member ID (6-digit Sort Code)) OR (Creditor IBAN) is required for GBP payment to United Kingdom (UK)
Z064 Creditor Account Number is required for HKD payment to Hong Kong (HK)
Z065 Creditor Account Number is required for ZAR payment to South Africa (ZA)
Z066 Creditor Contact Phone number is required for ZAR payment to South Africa (ZA)
Z067 Purpose of Payment (freeform text) is required for ZAR payment to South Africa (ZA)
Z074 Creditor Contact Name is required for ZAR payment to South Africa (ZA)
Z068 Creditor Agent Clearing  Member ID (9-digit ABA Routing number) is required for USD payment to United States of America (USA)
Z069 Creditor Account Number is required for USD payment to United States of America (USA)
Z070 Creditor Account Number is required for THB payment to Thailand (TH)
Z071 Purpose of Payment (freeform text) is required for THB payment to Thailand (TH)
Z072 Creditor Account Number is required for JPY payment to Japan (JP)
Z073 Creditor IBAN (26 characters) is required for TRY payment to Turkey (TR)
Z075 Creditor IBAN (25 characters) is required for AOA payment to Angola (AO)
Z076 Purpose of Payment (freeform text) is required for AOA payment to Angola (AO)
Z077 Creditor Account Number (22 digits) is required for ARS payment to Argentina (AR)
Z078 Creditor Contact Phone Number is required for ARS payment to Argentina (AR)
Z079 Creditor Contact Name is required for ARS payment to Argentina (AR)
Z080 Creditor  Tax ID (11 digits) is required for ARS payment to Argentina (AR)
Z081 Purpose of Payment (freeform text) is required for ARS payment to Argentina (AR)
Z082 Creditor IBAN (22 characters) is required for BHD payment to Bahrain (BH)
Z083 Creditor IBAN (28 characters) is required for BYN payment to Belarus (BY)
Z084 Creditor  Tax ID (9 digits) is required for BYN payment to Belarus (BY)
Z085 Purpose of Payment (freeform text) is required for BYN payment to Belarus (BY)
Z086 Purpose of Payment (freeform text) is required for BOB payment to Bolivia (BO)
Z087 Creditor IBAN (29 characters) is required for BRL payment to Brazil (BR)
Z088 Creditor Contact Phone Number is required for BRL payment to Brazil (BR)
Z089 Creditor Contact Name is required for BRL payment to Brazil (BR)
Z090 Creditor  Tax ID (14 digits) is required for BRL payment to Brazil (BR)
Z091 Purpose of Payment (freeform text) is required for BRL payment to Brazil (BR)
Z092 Creditor Account Number is required for KHR payment to Cambodia (KH)
Z093 Purpose of Payment (freeform text) is required for KHR payment to Cambodia (KH)
Z094 Creditor Contact Phone Number is required for COP payment to Colombia (CO)
Z095 Creditor Contact Name is required for COP payment to Colombia (CO)
Z096 Creditor  Tax ID (9 or 10-digits) is required for COP payment to Colombia (CO)
Z097 Purpose of Payment (freeform text) is required for COP payment to Colombia (CO)
Z184 Creditor Account Number is required for COP payment to Colombia (CO)
Z098 Creditor IBAN (22 characters) is required for CRC payment to Costa Rica (CR)
Z099 Creditor  Tax ID (12 to 15 digits) is required for CRC payment to Costa Rica (CR)
Z100 Creditor Contact Phone Number is required for CRC payment to Costa Rica (CR)
Z101 Creditor Contact Name is required for CRC payment to Costa Rica (CR)
Z102 Purpose of Payment (freeform text) is required for CRC payment to Costa Rica (CR)
Z103 Creditor Account Number (24 characters) is required for XOF payment to Cote D'ivoire (CI)
Z104 Purpose of Payment (freeform text) is required for XOF payment to Cote D'ivoire (CI)
Z105 Purpose of Payment (freeform text) is required for ANG payment to Curacao (CW)
Z106 Creditor IBAN (28 characters) is required for DOP payment to Dominican Republic (DO)
Z107 Creditor  Tax ID (9 digits) is required for DOP payment to Dominican Republic (DO)
Z108 Purpose of Payment (freeform text) is required for DOP payment to Dominican Republic (DO)
Z109 Creditor Agent Clearing  Member ID (9-digit ABA Routing Number) is required for USD payment to Ecuador (EC)
Z110 Creditor Account Number is required for USD payment to Ecuador (EC)
Z111 Creditor Agent Branch Name is required for EGP payment to Egypt (EG)
Z112 Creditor IBAN is required for EGP payment to Egypt (EG)
Z113 Creditor Contact Phone Number is required for EGP payment to Egypt (EG)
Z114 Purpose of Payment (freeform text) is required for EGP payment to Egypt (EG)
Z115 Creditor Agent Clearing  Member ID (9-digit ABA Routing Number) is required for USD payment to El Salvador (SV)
Z116 Creditor Account Number is required for USD payment to El Salvador (SV)
Z117 Creditor IBAN (22 characters) is required for GEL payment to Georgia (GE)
Z118 Purpose of Payment (freeform text) is required for GEL payment to Georgia (GE)
Z119 Creditor Account Number is required for GHS payment to Ghana (GH)
Z120 Creditor IBAN (28 characters) is required for GTQ payment to Guatemala (GT)
Z121 Creditor  Tax ID (11 digits) is required for GTQ payment to Guatemala (GT)
Z122 Purpose of Payment (freeform text) is required for GTQ payment to Guatemala (GT)
Z123 Creditor Contact Phone Number is required for GTQ payment to Guatemala (GT)
Z124 Creditor Account Number is required for HNL payment to Honduras (HN)
Z125 Creditor IBAN (30 characters) is required for JOD payment to Jordan (JO)
Z126 Purpose of Payment Code (4 digits) is required for JOD payment to Jordan (JO)
Z127 Creditor IBAN (20 characters) is required for KZT payment to Kazakhstan (KZ)
Z128 Creditor  Tax ID (12 digits) is required for KZT payment to Kazakhstan (KZ)
Z129 Purpose of Payment (freeform text) is required for KZT payment to Kazakhstan (KZ)
Z130 Purpose of Payment Code (3 digit KNP code) is required for KZT payment to Kazakhstan (KZ)
Z131 Purpose of Payment Code 2 (2 digit KBE code) is required for KZT payment to Kazakhstan (KZ)
Z132 Creditor Account Number is required for KES payment to Kenya (KE)
Z133 Creditor Agent Branch Name is required for KES payment to Kenya (KE)
Z134 Purpose of Payment (freeform text) is required for KES payment to Kenya (KE)
Z135 Creditor IBAN (30 characters) is required for KWD payment to Kuwait (KW)
Z136 Creditor Account Number is required for LAK payment to Laos (LA)
Z137 Purpose of Payment (freeform text) is required for LAK payment to Laos (LA)
Z138 Creditor IBAN (28 characters) is required for LBP payment for Lebanon (LB)
Z139 Purpose of Payment (freeform text) is required for LBP payment for Lebanon (LB)
Z140 Creditor IBAN (30 characters) is required for MUR payment for Mauritius (MU)
Z141 Purpose of Payment (freeform text) is required for MUR payment for Mauritius (MU)
Z142 Creditor Account Number is required for MNT payment to Mongolia (MN)
Z143 Creditor Agent Branch Name is required for MNT payment to Mongolia (MN)
Z144 Creditor Account Number (24 characters) is required for MAD payment to Morocco (MA)
Z145 Creditor Account Number is required for NIO payment to Nicaragua (NI)
Z146 Purpose of Payment (freeform text) is required for NIO payment to Nicaragua (NI)
Z147 Creditor Account Number (10 digits) is required for NGN payment to Nigeria (NG)
Z148 Purpose of Payment (freeform text) is required for NGN payment to Nigeria (NG)
Z149 Creditor Account Number is required for OMR payment to Oman (OM)
Z150 Creditor Account Number is required for PAB payment to Panama (PA)
Z151 Purpose of Payment (freeform text) is required for PAB payment to Panama (PA)
Z152 Creditor Account Number (20 characters) is required for PEN payment to Peru (PE)
Z153 Creditor  Tax ID (11 digits) is required for PEN payment to Peru (PE)
Z154 Purpose of Payment (freeform text) is required for PEN payment to Peru (PE)
Z155 Creditor IBAN (29 characters) is required for QAR payment to Qatar (QA)
Z156 Creditor IBAN (24 characters) is required for RON payment to Romania (RO)
Z157 Creditor Account Number (24 characters) is required for XOF payment to Senegal (SN)
Z158 Purpose of Payment (freeform text) is required for XOF payment to Senegal (SN)
Z159 Creditor IBAN (22 characters) is required for RSD payment to Serbia (RS)
Z160 Purpose of Payment (freeform text) is required for RSD payment to Serbia (RS)
Z161 One of (SWIFT BIC8 and Creditor Agent Clearing  Member ID (3-digit Sort Code)) OR SWIFT BIC11 is required for KRW payment to South Korea (KR)
Z162 Creditor Account Number is required for KRW payment to South Korea (KR)
Z163 Purpose of Payment (freeform text) is required for KRW payment to South Korea (KR)
Z164 Creditor Contact Phone Number is required for KRW payment to South Korea (KR)
Z165 Creditor Contact Name is required for KRW payment to South Korea (KR)
Z166 Creditor Account Number is required for LKR payment to Sri Lanka (LK)
Z167 Creditor Agent Branch Name is required for TZS payment to Tanzania (TZ)
Z168 Creditor Account Number is required for TZS payment to Tanzania (TZ)
Z169 Purpose of Payment (freeform text) is required for TZS payment to Tanzania (TZ)
Z170 Creditor Account Number is required for TTD payment to Trinidad and Tobago (TT)
Z171 Purpose of Payment (freeform text) is required for TTD payment to Trinidad and Tobago (TT)
Z172 Creditor IBAN (23 characters) is required for AED payment to United Arab Emirates (AE)
Z173 Purpose of Payment (3 character code) is required for any payment to United Arab Emirates (AE)
Z174 Creditor Account Number is required for UGX payment to Uganda (UG)
Z175 Purpose of Payment (freeform text) is required for UGX payment to Uganda (UG)
Z176 Creditor Account Number is required for UAH payment to Ukraine (UA)
Z177 Purpose of Payment (freeform text) is required for UAH payment to Ukraine (UA)
Z178 Creditor Agent Branch Name is required for UYU payment to Uruguay (UY)
Z179 Creditor Account Number is required for UYU payment to Uruguay (UY)
Z180 Creditor  Tax ID (12-digits) is required for UYU payment to Uruguay (UY)
Z181 Purpose of Payment (freeform text) is required for UYU payment to Uruguay (UY)
Z182 Creditor IBAN (23 characters) is required for ILS payment to Israel (IL)
Z183 Creditor Account number is required for BOB payment to Bolivia (BO)
Z185 Creditor Account Number is required for ANG payment to Curacao (CW)
Z186 Purpose of Payment (freeform text) is required for MNT payment to Mongolia (MN)
Z187 Creditor Agent Clearing  Member ID (9-digit ABA Routing Number) is required for USD payment to Canada (CA)
Z188 Creditor Account Number is required for USD payment to Canada (CA)
Z189 Creditor IBAN (28 characters) is required for AZN payment to Azerbaijan (AZ)) 
Z190 Creditor Agent Clearing  Member ID (6 characters) is required for AZN payment to Azerbaijan (AZ)) 
Z191 Creditor Agent  Tax ID (10 digits) is required for AZN payment to Azerbaijan (AZ)) 
Z192 Creditor Agent IBAN (28 characters) is required for AZN payment to Azerbaijan (AZ)) 
Z193 Creditor  Tax ID (10 digits) is required for AZN payment to Azerbaijan (AZ)) 
Z194 Purpose of Payment (freeform text) is required for AZN payment to Azerbaijan (AZ))