Collection result codes

This article contains a summary list of collection result codes and their classifications for each instrument as standardised by BankTech across acquiring banks. At the bottom, there is also a file of all result codes 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.

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.

While every effort is made to keep these lists updated, BankTech is unable to guarantee the full list of result codes is always accurate as the industry regularly reviews these result codes.

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

Full List