Transfer Failure Codes

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_type	bank_error_code	message	reason_for_error	recommended_action
business	beneficiary_bank_unreachable	Beneficiary not acceptable	Problem with beneficiary account	Check with beneficiary before reinitiating
business	beneficiary_error	ifsc code is invalid.	ifsc code is invalid.	edit the beneficiary id with proper details
business	generic_error	failed from bank side.	failed from bank side	Check transaction status after 30 mins
business	insufficient_balance	Insufficient Balance in debit account, payment required	When the Debit account does not have sufficient Balance to process the transaction	Kindly fund the debit account and retry
business	invalid_beneficiary_mmid_mobile_number	Invalid Beneficiary MMID/Mobile Number	Beneficiary bank account does not have relevant details mapped for accepting IMPS transactions	Kindly ask the beneficiary to update account details with beneficiary bank or alternatively process transaction through NEFT
business	returned_from_beneficiary		Transaction accepted by RBI but beneficiary bank rejected it	Check if the bank account number & ifsc code is valid
business	rtgs_cutoff_time	Current transaction time is not within window period	Current transaction time is not within window period	Please try during the rtgs window
business	wrong_beneficiary_details	Retry after correcting the Beneficiary Name or Beneficiary IFSC	Beneficiary details is wrong	Retry after correcting the Beneficiary Name or Beneficiary IFSC
technical	beneficiary_bank_unreachable	Acquiring Bank CBS or node offline	Beneficiary bank's CBS is offline or the connectivity with NPCI is offline	Retry later after 30 Minutes.
technical	downstream_system_error	failed from bank side	Technical error at bank end	Please try again after sometime.
technical	failed_at_beneficiary_bank	Rejected/Failed at beneficiary bank	In case of technical issues at beneficiary bank	Retry after 30 minutes
technical	generic_error	Gateway Timeout	An upstream service times out	Check transaction status after 30 mins
technical	sent_to_beneficiary	failed from bank side	Technical error at bank end	IMPS: 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.

docs.google.com

ZWITCH Transfer Decline Codes