Developers - Reject Codes - Direct Debit and BACS Return Codes

Reject Codes

This section provides information on reject codes for credit cards, ACH and Direct Debit.

DIRECT DEBIT/BACS RETURN CODES

1) ADDACS (Automated Direct Debit Amendment and Cancellation Service)

Issued if the donor contacts their bank to cancel the donation or if their account, name or address details change. Notification time varies as it is dependent upon a cancellation request.

Reject/Return Code	Reason
0	Instruction cancelled - refer to payer
1	Instruction cancelled by payer
2	Payer deceased
3	Instruction transferred to another bank/building society
B	Account closed
C	Account/Instruction transferred to a different branch of a bank/building society
D	Advance notice disputed
E	Instruction amended
R	Instruction re-instated

2) AUDDIS (Automated Direct Debit Instruction Service)

Issued if there is a problem setting up the debit instructions at the donors bank. Notification time varies as it is dependent upon a cancellation request.

Reject/Return Code	Reason
1	Instruction cancelled by payer
2	Payer deceased
3	Instruction transferred to another bank/building society
5	No Account
6	No Instruction
7	DDI amount not zero
B	Account Closed
C	Account/Instruction transferred to a different branch of the bank/building society
F	Invalid account type
G	Bank will not accept Direct Debits on account
H	Instruction Expired
I	Payer reference is not unique
K	Instruction cancelled by bank
L	Incorrect payer's account details
M	Transaction code/User status incompatible
N	Transaction disallowed at payer's branch
O	Invalid Reference
P	Payer's name not present
Q	Service User name blank

3) ARUDD (Automated Return of Unpaid Direct Debit)

Generally Issued due to insufficient funds or if a donation has been cancelled. Notification is issued 2-4 days after the Charge or Collection date.

Reject/Return Code	Reason
0	Refer to Payer (Insufficient Funds)
1	Instruction cancelled
2	Payer deceased
3	Account Transferred
4	Advance notice dispute
5	No account (or wrong account type)
6	No instruction
7	Amount differs
8	Amount not yet due
9	Presentation overdue
A	Service User differs
B	Account Closed

4) DDICA (Direct Debit Indemnity Claim)

Issued by the Payer or Bank which reverses the original transaction. The payer can claim many past transactions back at one time. The Status field on the related iATS Transaction record should have been automatically changed from Approved to Returned. If not already done, please switch the Customer Code recurring status to OFF via the iATS Button Virtual Terminal on the Opportunity or Recurring Donation record to prevent iATS from continuing to debit this donor. A new DDI and Customer Code will need to be created if needed.

IMPORTANT NOTE - For additional information, please reach out to our dedicated Partners' team at partners@iatspayments.com.