Decline Reasons
| Reason Code | Reason Description |
| CAN | CANCELLED |
| CCD | CREDIT CARD PAYMENT |
| CGB | CHARGEBACK |
| CRD | CREDIT - PAYMENT MADE AT CLUB |
| DCL | DECLINED |
| DFT | DRAFT PAYMENT |
| DIS | DISPUTED PAYMENT |
| DLT | DELETE BATCH TRANS-NOT USED TO POST |
| DNH | DO NOT HONOR |
| DUP | DUPLICATE |
| EXP | EXPIRED CARD |
| HLD | HOLD CARD |
| INV | INVALID |
| MIS | MISSING/LOST/STOLEN CARD |
| NA | NOT ACCEPTED |
| NTB | PAYMENT REVERSAL |
| PMT | PAYMENT TRANSACTION |
| RCR | REVERSE CREDIT PAYMENT |
| R01 | INSUFFICIENT FUNDS |
| R02 | ACCOUNT CLOSED |
| R03 | NO ACCOUNT/UNABLE TO LOCATE |
| R04 | INVALID ACCOUNT NUMBER |
| R05 | NO PRENOTIFICATION ON FILE |
| R06 | RETURNED PER ODFI'S REQUEST |
| R07 | AUTHORIZATION REVOKED |
| R08 | PAYMENT STOPPED |
| R09 | UNCOLLECTED FUNDS |
| R10 | CUSTOMER ADVISES NOT AUTHORIZED |
| R11 | CHECK SAFEKEEPING ENTRY RETURNED |
| R12 | BRANCH SOLD TO ANOTHER DFI |
| R13 | RDFI NOT QUALIFIED TO PARTICIPATE |
| R14 | ACCOUNT HOLDER DECEASED |
| R15 | BENEFICIARY DECEASED |
| R16 | ACCOUNT FROZEN |
| R18 | IMPROPER EFFECTIVE ENTRY DATE |
| R20 | NON TRANSACTION ACCOUNT |
| R21 | INVALID COMPANY IDENTIFICATION |
| R22 | INVALID INDIVIDUAL ID NUMBER |
| R23 | PAYMENT REFUSED BY BILLER |
| R24 | DUPLICATE ENTRY |
| R29 | DISPUTES CHARGES |
| R30 | POSTED TO WRONG ACCOUNT |
| R31 | REFER TO MAKER |
| R32 | COMPUTER ERROR |
| R33 | NOT GIVEN |
| R34 | ENDORSE AS DRAWN |
| R35 | WRONG ROUTING NUMBER |
| R36 | CANCELLED |
| R37 | ENDORSEMENT CANCELLED |
| R38 | POSTED TWICE |
| R39 | REVERSE PAYMENT TO LATE FEE |
| R40 | REVERSE LATE FEE TO PAYMENT |
| R41 | LOST OR STOLEN CHECK |
| R42 | NO PAPER DRAFTS |
| TRN | TRANSFERRED ACCOUNT |
| UAT | UNAUTHORIZED |
| RED | REDEPOSIT NSF DRAFTS |
| FRZ | FREEZE |
| DFR | DRAFT PAYMENT REPOST |
| PMR | PAYMENT REPOST |
| CCR | CREDIT CARD REPOST |
| CRR | CREDIT REPOST |
| R17 | FILE REC EDIT CRITERIA |
| R61 | MISROUTED RETURN |
| OVD | OVERDRAFT |
| CCX | CREDIT CARD DECLINED |
| DCC | CREDIT CARD DECLINED |
| HCC | HOLD CREDIT CARD |
| ICC | INVALID CREDIT CARD |
| NCC | NOT TO BE DONE CREDIT CARD |
| ECC | CREDIT CARD EXPIRED |
| REA | REVERSE TO EXPIRED ACCOUNT |
| R28 | ROUTING CHECK DIGIT ERROR |
| RFC | COLLECTION PAYMENT |
| RPR | REPOST RFC PAYMENT |
| FZZ | FROZEN MEMBERSHIP |
| CRF | COLLECTION PAYMENT MADE AT CLUB |
| CRP | COLLECTION REVERSE MADE AT CLUB |
| CRT | COLLECTION REPOST MADE AT CLUB |
| CGR | CHARGEBACK REPOST |
| R52 | STOP PAYMENT ON ITEM |
| R74 | CORRECTED RETURN |
| R46 | INVALID REPRESENTATIVE PAYEE INDICATOR |
| R45 | INVALID INDIVIDUAL NAME/COMPANY NAME |
| EPN | EFT PRENOTE |