# Visa B2B Connect

## 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 provide additional guidance on how to interpret and act upon status responses for Make Payment API.

- General Reason Codes
- Recall Reason Codes
- Reject/Return Reason Codes
- Country Specific Reason Codes

| 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) |