| 12 | Invalid Transaction (for bene decline) |
| 12 | Invalid Transaction (for remitter decline) |
| 65 | Txn frequency exceeded |
| 94 | Duplicate Transaction |
| MJ | Invalid beneficiary IFSC or NBIN |
| ERR01 | invalid tranaction type |
| ERR02 | Invalid date time in request |
| ERR03 | Invalid Merchant id |
| ERR04 | BLANK TRACE NUMBER |
| ERR06 | INVALID BENE MOBILE NUMBER |
| ERR08 | INVALID BENE IFSC CODE |
| ERR13 | DUPLICATE TRACE ID |
| ERR14 | INVALID QUERYBACK TRACE NUMBER |
| ERR16 | TRANSACTION NOT ALLOWED ABOVE 5000 INR |
| ERR18 | INVALID REMITTER NAME |
| 19 | Duplicate reference number |
| 20 | Invalid Response Code |
| 42 | Card-Issuer inoperative(Uriser and CSIS is down) |
| 52 | Invalid Account |
| 78 | Transfer limit exceeded |
| 84 | Block operation failed.Since a/c is closed/frozen |
| 92 | Invalid IFSC |
| 96 | System Mal Function |
| 98 | System malfunction |
| M1 | Invalid A/c Number or IFSC Code |
| M2 | Amount limit Exceeded |
| M3 | Account Blocked/Frozen |
| M4 | NRE Account |
| M5 | Account Closed |
| M6 | Limit exceeded for member bank |
| M7 | Transaction not permitted for this Account |
| M8 | Transaction limit exceeded for this Account |
| MP | Missing Parameter |
| N51 | Transaction unsuccessful due to an issue at the beneficiary bank's end. |
| NC | NO connectivity with NPCI |
| RM1 | Invalid Remitter Mobile Number/MMID |
| RM4 | Remitter A/c is NRE Account |
| RM7 | Fund transfer between Kotak accounts is not available via IMPS. |
| WC | Check Sum Error |
| ERR05 | INVALID REQUEST TYPE |
| ERR07 | INVALID BENE MMID |
| ERR09 | INVALID BENE ACCOUNT NUMBER |
| ERR10 | INVALID AMOUNT |
| ERR11 | INVALID CHECKSUM |
| ERR15 | No Such Transaction Request enquery |
| ERR17 | INVALID SENDER MOBILE NUMBER |
| 03 | Invalid scheme type |
| 04 | Insufficient funds (DCC should reject the transaction) |
| 08 | CBS Offline |
| 13 | Transaction Amount cannot be zero |
| T-001 | Invalid Request - Please check HTTP method, Request URL or Post Data |
| T-002 | Unauthorized Request - SrcAppCd and IP address mismatch |
| 65 | Txn frequency exceeded for account |
| 76 | Card-Issuer timed out |
| RET | Return |
| 00 | Successful Transaction |
| ERR12 | invalid response from IMPS switch |
| 91 | Transaction Timeout |
| M0 | Verification Successful but original credit transaction failed |
| MS | Transaction is declined as invalid account number |
| T-003 | Technical error observed - kindly contact RCW.appsupport@kotak.com (Due to any error while processing the request) |
| TCC | Deemed Approved |
| FRE | Return |
| 59 | Suspected fraud decline/ Transaction declined based on Risk score |
| 30 | Invalid Message |
| 01 | Invalid Transaction |
| 02 | Format error |
| 06 | Subprogram error |
| 22 | TRANSACTION NOT ALLOWED AS AMOUNT IS GREATER THAN 5 LAKHS (APPLICABLE FOR BANKS WHERE NDC IS GREATER THAN 5 LAKHS) |
| 24 | INSUFFICENT BALANCE IN POOL A/C |
| 51 | Not sufficient funds |
| 56 | Invalid Account Type |
| 57 | Transaction not permitted to account |
| 61 | EXCEEDS ACCOUNT LIMIT |
| 77 | SUSPECTED FRAUD, TRANSACTION DECLINED BASED ON RISK SCORE |
| 86 | Invalid NBIN |
| 99 | Transaction not permitted |
| E15 | INVALID RESPONSE CODE |
| M57 | Transaction Not permitted to Merchant a/c |
| MA | Merchant Validation Fail |
| MC | Transaction is declined as Bank not yet enabled for P2A functionality |
| MF | No response from merchant system |
| MI | CUSTOMER TX. LIMIT EXCEEDED |
| MK | Payee is an individual and not a merchant |
| ML | Payee is a merchant and not an individual |
| MM1 | Invalid Merchant Mobile Number/MMID |
| MM4 | Merchant A/c is NRE Account |
| MN | FOREIGN INWARD REMITTANCE NOT ALLOWED |
| MQ | Transaction not allowed as invalid payment reference |
| MR | TRANSACTION AMOUNT LESS THAN RS.1 |
| MT | TRANSACTION NOT ALLOWED AS GENERAL ERROR |
| MV | Merchant Online Validation Required Not Available |
| MW | FOREIGN INWARD REMITTANCE FOR P2P ONLY |
| MX | Transaction not allowed as Aadhaar Number belongs to Remitter Bank. |
| NE | NACK ERROR |
| NR | Invalid Service Provider ? Configuration issue |
| P2A92 | Invalid MMID / IFSC |
| P2AM1 | Invalid A/c Number or IFSC Code |
| P2A_92 | Either IFSC Code is Invalid or Bene bank Unavailable |
| UB | UNABLE TO PROCESS |
| XC | INVALID TRANSACTION |
| XD | INVALID AMOUNT FIELD |
| XF | INVALID MESSAGE |
| U88 | ONNECTION TIMEOUT IN REQPAY CREDIT |
| A01 | PAYER.AC MUST BE PRESENT |
| A02 | PAYER.AC.ADDRTYPE MUST BE PRESENT |
| A03 | PAYER.AC.DETAIL MUST BE PRESENT |
| A04 | PAYER.AC.NAME MUST BE PRESENT |
| A06 | PAYER.AC.DETAIL.ACCOUNT MUST BE PRESENT OR NOT VALID |
| A07 | PAYER.AC.DETAIL.MOBILE MUST BE PRESENT OR NOT VALID |
| B01 | PAYEES NOT PRESENT |
| B02 | PAYEE NOT PRESENT |
| B05 | PAYEE.NAME ALPHANUMERIC MINLENGTH 1 MAXLENGTH 99 |
| B06 | PAYEE.TYPE MUST BE PRESENT/VALID |
| B07 | PAYEE.CODE NUMERIC OF LENGTH 4 |
| D01 | PAYER.DEVICE MUST BE PRESENT |
| D02 | PAYER. DEVICE.TAGS MUST BE PRESENT |
| D03 | PAYER.TAG.DEVICE.NAME/VALUE MUST BE PRESENT |
| D04 - D11 | SAME VALIDATION MESSAGE BASED ON DEVICE TYPE |
| G01 | HBTMSG MUST BE PRESENT |
| G02 | HBTMSG.TYPE MUST BE PRESENT/VALID |
| G03 | VALUE NOT VALID FOR HBTMSG.TYPE |
| G04 | VALUE NOT VALID FOR HBTMSGRESP.RESULT |
| G05 | VALUE NOT VALID FOR HBTMSGRESP.ERRORCODE |
| G25 | CERTIFICATE NOT FOUND |
| G26 | SIGTURE ERROR |
| G27 | SIGTURE MISMATCH |
| H02 | VER NUMERIC/DECIMAL MIN LENGTH 1 MAX LENGTH 6 |
| H03 | TS MUST BE ISO_ZONE FORMAT |
| H06 | MSGID MUST BE PRESENT MAXLENGTH 35 |
| I01 | PAYER INFO MUST BE PRESENT |
| I02 | PAYER .INFO.IDENTITY MUST BE PRESENT |
| I03 | PAYER.INFO.IDENTITY.TYPE MUST BE PRESENT |
| I04 | PAYER/PAYEE .INFO.IDENTITY VERIFIEDNAME MUST BE PRESENT |
| I05 | PAYER/PAYEE .INFO.RATING WHITELISTED |
| IM0 | INITIATIONMODE SHOULD BE PRESENT AND VALID |
| IM5 | PAYEE BANK DOES NOT SUPPORT VERSION 2.0 |
| IM6 | BANK IS NOT SUPPORTING VERSION 2.0 |
| M16 | FRM MODEL SCORE |
| PM27 | TRANSACTION TYPE NOT SUPPORTED |
| R01 | PAYER NOT PRESENT |
| R02 | PAYER.ADDR MUST BE VALID |
| R03 | PAYER.NAME ALPHANUMERIC |
| R04 | PAYER.SEQNUM NUMERIC |
| R05 | PAYER.TYPE MUST BE PRESENT/VALID |
| R06 | PAYER.CODE NUMERIC OF LENGTH 4 |
| S99 | GRACEFUL DECLINE |
| T01 | TXN NOT PRESENT |
| T02 | TXN.ID MUST BE PRESENT MAXLENGTH 35 |
| T03 | TXN.NOTE |
| T04 | TXN.REFID |
| T05 | TXN REFURL |
| T06 | TXN.TS MUST BE ISO_ZONE FORMAT |
| T07 | TXN.TYPE MUST BE PRESENT/VALID |
| T08 | TXN.ORGTNXID MUST BE PRESENT |
| T09 | TXN.ORGTNXID |
| T10 | TXN.ORGTNXID IS NOT APPLICABLE FOR THIS TYPE OF TRANSACTION |
| T12 | TXN.CUSTREF MUST BE PRESENT; LENGTH 12 |
| T13 | TXN.SUBTYPE MUST BE PRESENT |
| T14 | PURPOSE SHOULD BE PRESENT AND VALID |
| U01 | THE REQUEST IS DUPLICATE |
| U02 | AMOUNT CAP IS EXCEEDED |
| U03 | NET DEBIT CAP IS EXCEEDED |
| U04 | REQUEST IS NOT FOUND |
| U05 | FORMATION IS NOT PROPER |
| U06 | TRANSACTION ID IS MISMATCHED |
| U07 | VALIDATION ERROR |
| U08 | SYSTEM EXCEPTION |
| U10 | ILLEGAL OPERATION |
| U11 | CREDENTIALS IS NOT PRESENT |
| U12 | AMOUNT OR CURRENCY MISMATCH |
| U13 | EXTERL ERROR |
| U14 | ENCRYPTION ERROR |
| U15 | CHECKSUM FAILED |
| U16 | RISK THRESHOLD EXCEEDED |
| U17 | BANK IS NOT REGISTERED |
| U26 | BANK REQUEST CREDIT PAY ACKNOWLEDGEMENT IS NOT RECEIVED |
| U27 | NO RESPONSE FROM BANK |
| U31 | CREDIT HAS BEEN FAILED |
| U46 | REQUEST CREDIT IS NOT FOUND |
| U48 | TRANSACTION ID IS NOT PRESENT |
| U49 | REQUEST MESSAGE ID IS NOT PRESENT |
| U52 | BANK ORGID NOT FOUND |
| U55 | MESSAGE INTEGRITY FAILED DUE TO ORGID MISMATCH |
| U57 | PAYEE AMOUNT DIFFERS FROM ORIGIL REQUEST |
| U68 | CREDIT TIMEOUT |
| U78 | BENEFICIARY BANK OFFLINE |
| U80 | BANK BANK NON RESPONSIVE |
| U81 | REMITTER BANK DA OUTGOING COUNT |
| U82 | READ TIMEOUT IN REQPAY CREDIT |
| U84 | BENEFICIARY BANK DA OUTGOING COUNT |
| U86 | REMITTER BANK NON RESPONSIVE |
| U89 | BENEFICIARY BANK THROTTLING DECLINE |
| U90 | REMITTER BANK DA RESPONSE TIME |
| U91 | BENEFICIARY BANK DEEMED HIGH RESPONSE TIME CHECK DECLINE |
| U92 | PAYER_BANK_OFFLINE |
| U94 | PAYEE BANK THROTTLE DECLINE |
| UB7 | OTHER BANK IS NOT SUPPORTED IN 2.0 VERSION |
| UH1 | HEADER VERSION MISMATCHED |
| UN8 | PAYER BANK NOT REGISTERED |
| UO0 | REMITTER BANK NOT REGISTERED |
| UP3 | BANK SCHEDULED OFFLINE |
| UP4 | PAYER FORCED OFFLINE |
| UP5 | PAYEE FORCED OFFLINE |
| UP6 | REMITTER FORCED OFFLINE |
| UP7 | PAYER SCHEDULED OFFLINE |
| UP8 | PAYEE SCHEDULED OFFLINE |
| UP9 | REMITTER SCHEDULED OFFLINE |
| UQ1 | BENEFICIARY SCHEDULED OFFLINE |
| UV2 | REQRESP VERSION MISMATCHED |
| UZ2 | BANK FORCED OFFLINE |
| UZ3 | BENEFICIARY FORCED OFFLINE |
| X01 | TXN NOT PRESENT |
| X02 | TXN.ID MUST BE PRESENT |
| X03 | TXN.NOTE ALPHANUMERIC |
| X04 | TXN.REFID ALPHANUMERIC |
| X06 | TXN.TS MUST BE ISO_ZONE FORMAT |
| X07 | TXN.TYPE MUST BE PRESENT/VALID |
| X08 | TXN.ORGTXNDATE MUST BE PRESENT |
| X09 | TXN.ORGTXNDATE SHOULD BE WITHIN 90 DAYS |
| Z02 | VER NUMERIC/DECIMAL MIN LENGTH 1 MAX LENGTH 6 |
| Z03 | TS MUST BE ISO_ZONE FORMAT |
| Z06 | MSGID MUST BE PRESENT MAXLENGTH 35 |
| ZI | Suspected fraud decline/ Transaction declined based on Risk score |