Return Codes - EFTs

Below is a list of the Canadian Payments Association return reason codes for EFT:

Reason Code

Description

Abbreviation

900

Edit Reject

REJ/REV

901

NSF (Debit Only)

NSF/DSP

902

Account Not Found

CNT/ITV

903

Payment Stopped/Recalled

STP/ARR

905

Account Closed

CLS/FER

907

No Debit Allowed

NCP/PPC

908

Funds Not Cleared (Debit Only)

FNC/FNL

909

Currency/Account Mismatch

WCU/MDC

910

Payor/Payee Deceased

DEC/DEC

911

Account Frozen

FZN/BLQ

912

Invalid/Incorrect Account No.

INA/INV

914

Incorrect Payor/Payee Name

INP/NOM

915

No Agreement Existed

ANP/NOG

916

Not According to Agreement – Personal

NCA/ACP

917

Agreement Revoked – Personal

ARP/AGP

918

No Confirmation/Pre-Notification – Personal

PNP/PRP

919

Not According to Agreement – Business

NCE/ACB

920

Agreement Revoked – Business

ARE/AGB

921

No Confirmation/Pre-Notification – Business

PNE/PRB

922

Customer Initiated Return (Credit Only)

REC/CIR

990

Institution in Default

DEF/DEF

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