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