SEPA · NACHA · FedNow · UK FPS · SWIFT · Return Codes
Payment Return & Reject Code Library
Unified searchable reference for payment return and reject reason codes across five payment schemes. Each entry shows the full name, description, who originates the return, the recommended cure action, and applicable time limits.
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
SEPA R-Transaction Codes — European Payments Council (EPC) SEPA Credit Transfer (SCT) and SEPA Direct Debit (SDD) reject, return, refund, reversal, and request-for-recall codes. Governed by EPC SCT Rulebook and SDD Core/B2B Rulebooks. R-transaction time limits are critical: SDD returns must be initiated within 5 business days; refunds within 8 weeks (authorised) or 13 months (unauthorised).
NACHA ACH Return Codes — Return codes R01–R85 plus dishonoured/contested return codes. Governed by the NACHA Operating Rules & Guidelines. Return time limits are critical: most returns must be transmitted within 2 banking days of settlement; late returns (R31) within 60 days. Administrative returns (R03, R04) within 2 banking days.
FedNow Reject & Return Codes — Federal Reserve FedNow Service (launched July 2023) negative acknowledgement and request-for-return codes. FedNow uses ISO 20022 pain.002 and camt.056 messages; reject codes align with ISO 20022 but FedNow defines specific usage rules.
UK Faster Payments Return Reasons — Pay.UK Faster Payments Scheme return and recall reason codes. ISO 20022-aligned from November 2023 migration. Key codes used in CASS redirections, APP scam recall (CoP mismatch), and standard account-not-found returns.
SWIFT Payment Rejection Codes — SWIFT gpi and MT/MX payment rejection and return reason codes used in correspondent banking. Includes SWIFT gpi tracker status codes (ACSP, RJCT, PDNG) and ISO 20022 pacs.002 rejection reason codes used in CBPR+ and TARGET2.
Loading…
Regulatory & Standards Citations
[1]EPC SEPA Credit Transfer Rulebook v1.1 (2024) and SEPA Direct Debit Core Rulebook v4.0 — define R-transaction codes, originator rules, and time limits for returns, rejects, refunds, reversals, and requests for recall.
[2]NACHA Operating Rules & Guidelines (2024 edition) — govern ACH return codes R01–R85, dishonoured return codes R61–R67, contested dishonour codes R68–R75, and administrative return limits.
[3]Federal Reserve FedNow Operating Procedures (2024) — FedNow negative acknowledgement (NACK) codes, request-for-return codes, and ISO 20022 alignment for FedNow RTP messaging.
[4]Pay.UK Faster Payments Scheme Rules — return and recall reason codes, ISO 20022 migration (November 2023), CoP (Confirmation of Payee) mismatch codes, and APP Fraud recall reason codes.
[5]SWIFT gpi Business Rules and CBPR+ Usage Guidelines — SWIFT MT 103 rejection codes, ISO 20022 pacs.002 reason codes, and gpi tracker status codes (ACSP, ACCC, RJCT, PDNG).