Transfer Failure Codes

Common reasons why transfers are declined by banks.

The sample code below shows the response we return when a transfer fails.

{
  "id": "tr_wUXqiSo3yH56h1c5QP8alDSjs",
  "object": "transfer",
  "type": "account_number",
  "amount": 3.69,
  "currency_code": "inr",
  "payment_mode": "neft",
  "payment_remark": "Lego Death Star",
  "paid_to": "000205026539",
  "otp_attempts": 0,
  "bank_reference_number": "133210595390575",
  "merchant_reference_id": "1000708",
  "status": "pending",
  "error_type": "technical",
  "bank_error_code": "bad_timeout_at_bank",
  "message": "Gateway Timeout",
  "reason_for_error": "An upstream service times out",
  "recommended_action": "Do get status after 30 Minutes and act basis the response",
  "metadata": {
    "key_1": "DD",
    "key_2": "XOF"
  },
  "transacted_at": 1652799809,
  "is_sandbox": false,
  "created_at": 1652799809
}
{
  "id": "tr_sJyp626iJnI1I7xYpNrnoUm0N",
  "object": "transfer",
  "type": "account_number",
  "amount": 3.69,
  "currency_code": "inr",
  "payment_mode": "neft",
  "payment_remark": "Lego Death Star",
  "paid_to": "000205026539",
  "otp_attempts": 0,
  "bank_reference_number": "133210595390576",
  "merchant_reference_id": "1000707",
  "status": "failed",
  "error_type": "business",
  "bank_error_code": "beneificary_account_blocked",
  "message": "Account blocked/frozen",
  "reason_for_error": "Beneficiary account is either blocked or in frozen state",
  "recommended_action": "Contact beneficiary before retrying the transfer",
  "metadata": {
    "key_1": "DD",
    "key_2": "XOF"
  },
  "transacted_at": 1652799551,
  "is_sandbox": false,
  "created_at": 1652799551
}

Common Transfer Failure Codes

The table below lists the most common reasons why transfers fail. These transfers can either have the pending or failed status.

error_typebank_error_codemessagereason_for_errorrecommended_action
businessbeneficiary_bank_unreachableBeneficiary not acceptableProblem with beneficiary accountCheck with beneficiary before reinitiating
businessbeneficiary_errorifsc code is invalid.ifsc code is invalid.edit the beneficiary id with proper details
businessgeneric_errorfailed from bank side.failed from bank sideCheck transaction status after 30 mins
businessinsufficient_balanceInsufficient Balance in debit account, payment requiredWhen the Debit account does not have sufficient Balance to process the transactionKindly fund the debit account and retry
businessinvalid_beneficiary_mmid_mobile_numberInvalid Beneficiary MMID/Mobile NumberBeneficiary bank account does not have relevant details mapped for accepting IMPS transactionsKindly ask the beneficiary to update account details with beneficiary bank or alternatively process transaction through NEFT
businessreturned_from_beneficiaryTransaction accepted by RBI but beneficiary bank rejected itCheck if the bank account number & ifsc code is valid
businessrtgs_cutoff_timeCurrent transaction time is not within window periodCurrent transaction time is not within window periodPlease try during the rtgs window
businesswrong_beneficiary_detailsRetry after correcting the Beneficiary Name or Beneficiary IFSCBeneficiary details is wrongRetry after correcting the Beneficiary Name or Beneficiary IFSC
technicalbeneficiary_bank_unreachableAcquiring Bank CBS or node offlineBeneficiary bank's CBS is offline or the connectivity with NPCI is offlineRetry later after 30 Minutes.
technicaldownstream_system_errorfailed from bank sideTechnical error at bank endPlease try again after sometime.
technicalfailed_at_beneficiary_bankRejected/Failed at beneficiary bankIn case of technical issues at beneficiary bankRetry after 30 minutes
technicalgeneric_errorGateway TimeoutAn upstream service times outCheck transaction status after 30 mins
technicalsent_to_beneficiaryfailed from bank sideTechnical error at bank endIMPS: Check status after 1 hour. Transaction status expected to clear to COMPLETED/ FAILED after 2 working days in most cases. NEFT: Check status after 3 hours in NEFT working window. If transaction has been posted after NEFT Cut off time then check the status on next working day

Possible Transfer Failure Codes

The below spreadsheet lists all possible reasons a transfer can be declined by banks.