Collection result codes

There are typically three collection result code timings depending on how far a transaction got in processing and whether any status updates occurred. Results are reported at the time of acquiring bank submission validation, processing execution and post-processing. Any validation errors will be reported at submission and you can resolve and resubmit these transactions in most cases.

Dispute result codes will occur in post processing and debtors may dispute a successful collection attempt up to 40 days after the debit date and beyond in manual cases. Disputes reported within 40 days involve an instant reversal of funds whereas after 40 days a manual reversal may be processed and a new result reported. With repeated disputes, debtors can block all future collection attempts too.

This article contains a full list of collection result codes and their classifications for each instrument as standardised by BankTech across acquiring banks. You can use this list if you want to have a predefined and exhaustive matching on result code level. However, in general, working off the result type should be sufficient for most users interested in a simple result.

EFT

ResultCode

ResultDescription

ResultType

Timing

000

Transaction successful

Paid

Execution

002

Insufficient funds

Unpaid

Execution

003

Debits not allowed on account

Failed

Execution

004

Payment stopped by account holder

Failed

Execution

005

Account dormant

Failed

Execution

006

Account frozen

Failed

Execution

008

Account in liquidation

Failed

Execution

010

Account in sequestration

Failed

Execution

012

Account closed

Failed

Execution

014

Account transferred within bank

Failed

Execution

016

Account transferred to new bank

Failed

Execution

018

Account holder deceased

Failed

Execution

022

Account effects not cleared

Failed

Execution

026

No such account

Failed

Execution

00032

Homing branch invalid

Failed

Validation

00034

Homing account invalid

Failed

Validation

028

Recalled successfully

Recalled

Execution

030

Client did not authorise debit

Disputed

Post

032

Debit contravenes client authority

Disputed

Post

034

Authorisation cancelled

Disputed

Post

036

Previously stopped as stop payment

Disputed

Post

NAEDO

ResultCode

ResultDescription

ResultType

Timing

00

Transaction successful

Paid

Execution

02

Insufficient funds

Unpaid

Execution

03

Debits not allowed on account

Failed

Execution

04

Payment stopped by account holder

Failed

Execution

05

Account dormant

Failed

Execution

06

Account frozen

Failed

Execution

08

Account in liquidation

Failed

Execution

10

Account in sequestration

Failed

Execution

12

Account closed

Failed

Execution

18

Account holder deceased

Failed

Execution

22

Account effects not cleared

Failed

Execution

26

No such account

Failed

Execution

00032

Homing branch invalid

Failed

Validation

00034

Homing account invalid

Failed

Validation

99

Payment in tracking

Info

Execution

E1

Notification of intention to dispute

Info

Post

E8

Recalled successfully

Recalled

Execution

E9

Recall unsuccessful

Recalled

Execution

F0

BankServ exclusive

Failed

Execution

30

No authority to debit

Disputed

Post

32

Debit contravenes client authority

Disputed

Post

34

Authorisation cancelled

Disputed

Post

36

Previously stopped by stop payment

Disputed

Post

DebiCheck

ResultCode

ResultDescription

ResultType

Timing

900000

Transaction successful

Paid

Execution

900002

Insufficient funds

Unpaid

Execution

900003

Debits not allowed on account

Failed

Execution

900004

Payment stopped by account holder

Failed

Execution

900005

Account dormant

Failed

Execution

900006

Account frozen

Failed

Execution

900008

Account in liquidation

Failed

Execution

900010

Account in sequestration

Failed

Execution

900012

Account closed

Failed

Execution

900018

Account holder deceased

Failed

Execution

900022

Account effects not cleared

Failed

Execution

900026

No such account

Failed

Execution

00032

Homing branch invalid

Failed

Validation

00034

Homing account invalid

Failed

Validation

00037

Account date invalid

Failed

Validation

900044

Debtor bank unavailable to process

Failed

Execution

900099

Payment in tracking

Info

Execution

901181

Multiple payments in cycle

Failed

Execution

902111

Contract reference does not match mandate

Failed

Execution

902149

Mandate suspended

Failed

Validation

902319

Mandate cancelled

Failed

Validation