Asynchronous Error Codes

Asynchronous error codes are returned when payments, mandates, or other operations fail after being initially accepted. These errors occur during the background processing of your requests and are typically delivered through webhooks or can be retrieved by polling the relevant endpoints.

Understanding Error Codes

These error codes provide insight into why an operation failed, helping you understand the root cause and take appropriate action. Common scenarios include:

Payment failures: When a payment is declined by the bank or fails during settlement
Account issues: When payer or payee accounts have problems (closed, blocked, insufficient funds)
Mandate problems: When recurring payment agreements encounter issues
Data validation: When the bank rejects a transaction due to invalid or incompatible data

Important Considerations

Treat error codes as informational, not contractual. The set of codes returned for a given failure may vary across banking partners, and codes may be added or changed as the platform evolves.

You can use these codes to inform operational decisions — such as whether to retry a payment or contact a customer — and to surface more meaningful messages in your application. Always handle unknown or unexpected codes gracefully, and avoid building hard dependencies on specific codes remaining stable over time.

Here's the full list of asynchronous error codes:

Code	Description
`ACCOUNT_VERIFICATION_LIMIT_REACHED`	Daily account verification limit reached
`ACCOUNT_VERIFICATION_NO_MATCH_LIMIT_REACHED`	Daily account verification no match limit reached
`ACCOUNT_VERIFICATION_SERVICE_UNAVAILABLE`	Account verification service unavailable
`ACTION_NOT_ALLOWED`	The requested action is not allowed
`ALIAS_LOOKUP_LIMIT_REACHED`	Alias lookup limit reached
`ALIAS_LOOKUP_UNAVAILABLE`	Alias lookup unavailable
`ALIAS_PAYEE_NOT_FOUND`	Payee alias not found
`ALIAS_PAYER_NOT_FOUND`	Payer alias not found
`ALIAS_REMOTE_IP_LOOKUP_LIMIT_REACHED`	Remote IP lookup limit reached
`ALIAS_REQUESTER_ID_LOOKUP_LIMIT_REACHED`	Requester ID lookup limit reached
`ALIAS_RESOLUTION_ERROR`	Error resolving the alias
`ALIAS_RESOLUTION_NOT_POSSIBLE`	Account not enabled for alias resolution services
`BANK_REJECTED`	Payer Bank Has Declined
`CONSUMER_UNREACHABLE`	The payment has been cancelled because the consumer could not be reached
`DATA_INVALID_AMOUNT`	Amount Field is Not Valid
`DATA_INVALID_COUNT`	Count Field is Not Valid
`DATA_INVALID_CURRENCY`	Count Field is Not Valid
`DATA_INVALID_DATE`	Date field is not valid
`DATA_INVALID_FIRST_PAYMENT_DATE`	First payment date is not valid
`DATA_INVALID_INSTITUTIONAL_IDENTIFIER`	Institutional identifier (e.g. BSB, ABN, BIC) is not valid
`DATA_INVALID_LAST_PAYMENT`	Last Payment Details Invalid
`DATA_INVALID_LAST_PAYMENT_DATE`	Last payment date is not valid
`DATA_INVALID_MULTIPLE`	Error in Multiple Mandatory Fields
`DATA_INVALID_PAYEE_NAME`	Payee Name is Not Valid
`DATA_INVALID_PAYER_NAME`	Payer Name is Not Valid
`DATA_INVALID_UNKNOWN_ERROR`	An Unexpected Error Occurred. Contact Banked for More Info.
`DATA_INVALID_VALIDITY_END_DATE`	Validity end date is not valid
`DATA_INVALID_VALIDITY_START_DATE`	Validity start date is not valid
`INTERNAL_SYSTEM_ERROR`	An Unexpected Error Occurred. Contact Banked for More Info.
`MANDATE_AMENDMENT_CANCELLATION_IN_PROGRESS`	Cancellation already in-progress for this amendment
`MANDATE_AMENDMENT_CANCELLATION_NOT_POSSIBLE`	Amendment cancellation not possible
`MANDATE_AMENDMENT_IN_PROGRESS`	Pending amendment already in-progress
`MANDATE_AMENDMENT_NOT_PERMITTED`	This mandate can no longer be amended
`MANDATE_AMENDMENT_NO_CHANGE_SPECIFIED`	No changes were specified
`MANDATE_AMENDMENT_UNCANCELLABLE_STATE`	Amendment cannot be cancelled whilst in current state
`MANDATE_AMENDMENT_VALIDITY_END_DATE`	Validity end date cannot be amended if it was null in original mandate
`MANDATE_CANCELLATION_IN_PROGRESS`	Pending cancellation already in-progress
`MANDATE_CREATION_LIMIT_REACHED`	Mandate creation limit reached
`MANDATE_EXCESSIVE_FAILED_COLLECTIONS`	Mandate suspended after 7 consecutive unsuccessful collections
`MANDATE_EXPIRED`	Mandate expired
`MANDATE_FINAL_PAYMENT_COMPLETED`	Mandate suspended as final collection took place
`MANDATE_INACTIVATABLE_STATE`	Mandate cannot be reactivated whilst in current state
`MANDATE_INACTIVE`	Mandate Is Not Active
`MANDATE_INELIGIBLE_AMOUNT`	Amount Requested Does Not Align With Mandate
`MANDATE_INELIGIBLE_AMOUNT_EXCEEDED`	Amount Requested Exceeds Mandate Limit
`MANDATE_INELIGIBLE_AMOUNT_LESS_THAN`	Amount Requested Below Mandate Minimum
`MANDATE_INELIGIBLE_BEFORE_VALIDITY_DATE`	Payment is before the mandate validity start date
`MANDATE_INELIGIBLE_COUNT_PER_FREQUENCY`	Number of payments requested exceeds mandate limit for the current frequency period
`MANDATE_INELIGIBLE_FIRST_PAYMENT_AMOUNT`	First payment amount not supported by mandate
`MANDATE_INELIGIBLE_FIRST_PAYMENT_DATE`	First payment date not supported by mandate
`MANDATE_INELIGIBLE_LAST_PAYMENT_AMOUNT`	Last Payment Amount Not Supported by Mandate
`MANDATE_INELIGIBLE_LAST_PAYMENT_DATE`	Last Payment Date Not Supported by Mandate
`MANDATE_INELIGIBLE_LAST_PAYMENT_SENT`	No further payments can be made, the final payment has been sent
`MANDATE_INELIGIBLE_MANDATE_INACTIVE`	Mandate Is Not Active
`MANDATE_INELIGIBLE_PAST_VALIDITY_DATE`	Payment is Past the Mandate Validity End Date
`MANDATE_INELIGIBLE_PAYEE_ACCOUNT`	Payee Account Does Not Match The Account Specified In The Mandate
`MANDATE_INELIGIBLE_PAYEE_NAME`	Payee Name Does Not Match The Name Specified In the Mandate
`MANDATE_INELIGIBLE_PAYMENT_DETAILS`	Payment details do not match mandate
`MANDATE_INELIGIBLE_TIME`	Time That This Payment Was Initiated Does Not Match That Which Was Specified In The Mandate
`MANDATE_NOT_FOUND`	Mandate Not Found
`MANDATE_REACTIVATION_IN_PROGRESS`	Pending reactivation already in-progress
`MANDATE_SUSPENDED_CONTRACT_AMENDMENT`	Mandate suspended due to amendment of the contract
`MANDATE_SUSPENSION_IN_PROGRESS`	Pending suspension already in-progress
`MANDATE_TOO_MANY_AGREEMENTS_FOR_DEBTOR`	Too many mandates created for debtor
`MANDATE_UNAMENDABLE_STATE`	Mandate cannot be amended whilst in current state
`MANDATE_UNCANCELLABLE_STATE`	Mandate Not Found
`MANDATE_UNSUSPENDABLE_STATE`	Mandate cannot be suspended whilst in current state
`PAYEE_ACCOUNT_ACCOUNT_CHANGE`	Mandate Not Found
`PAYEE_ACCOUNT_BLOCKED`	Payee account is blocked
`PAYEE_ACCOUNT_CLOSED`	Payee account is closed
`PAYEE_ACCOUNT_FROZEN`	Payee account is frozen
`PAYEE_ACCOUNT_LIMIT_EXCEEDED`	Payee Account has Exceeded It's Transaction Limit
`PAYEE_ACCOUNT_NAME_MISMATCH`	Payee account name mismatch
`PAYEE_ACCOUNT_NOT_FOUND`	Payee Account Was Not Found or Does Not Exist
`PAYEE_ACCOUNT_NOT_PROVIDED`	Payee details must be specified for a payment when not previously specified on the mandate
`PAYEE_ACCOUNT_NOT_VALID`	Payee Account Not Valid
`PAYEE_ACCOUNT_REFER_TO_CUSTOMER`	Issue with the destination account that only the customer and their financial institution can resolve. Please refer to customer
`PAYEE_ACCOUNT_UNSUPPORTED_TRANSACTION`	Payee account is unable to support this transaction type
`PAYEE_ACTION_CANCELLED`	Mandate suspended due to cancellation of the contract, requested by the debtor
`PAYEE_ACTION_GRACEFUL_EXIT`	Graceful exit initiated by payee
`PAYEE_ACTION_MANDATE_CANCELLED`	The merchant cancelled the mandate before completion
`PAYEE_ACTION_MANDATE_DEACTIVATED`	Payee Has Suspended / Cancelled the Mandate
`PAYEE_ACTION_NOT_AUTHORIZED`	Unable to link account
`PAYID_RECEIVABLE_ALIAS_ALREADY_USED`	The provided PayID alias has already been used
`PAYID_RECEIVABLE_ALIAS_NOT_APPROVED`	The provided PayID alias has not been approved
`PAYER_ACCOUNT_AUTHORIZATION_FAILED`	User authentication failed. Please reauthorise request with the provider
`PAYER_ACCOUNT_BLOCKED`	Payer account is blocked
`PAYER_ACCOUNT_CLOSED`	Payer account is closed
`PAYER_ACCOUNT_CURRENCY_NOT_SUPPORTED`	Payer account does not support this currency
`PAYER_ACCOUNT_INSUFFICIENT_FUNDS`	Payer account has insufficient funds
`PAYER_ACCOUNT_LIMIT_EXCEEDED`	Payer account has exceeded its transaction limit
`PAYER_ACCOUNT_NOT_FOUND`	Payer Account Was Not Found or Does Not Exist
`PAYER_ACCOUNT_NOT_VALID`	Payer Account Not Valid
`PAYER_ACCOUNT_PAYEE_NOT_AUTHORIZED`	Payer has not authorized payments to this payee
`PAYER_ACCOUNT_REFER_TO_CUSTOMER`	Possible insufficient funds or account transaction limit reached. Please refer to customer
`PAYER_ACCOUNT_UNSUPPORTED_TRANSACTION`	Payer account is unable to support this transaction type
`PAYER_ACTION_CANCELLED`	Transaction voided by an administrator or the initiator
`PAYER_ACTION_MANDATE_AMENDMENT_DECLINED`	Payer has declined the mandate amendment
`PAYER_ACTION_MANDATE_AMENDMENT_NO_RESPONSE`	Payer did not respond to mandate amendment
`PAYER_ACTION_MANDATE_CANCELLED`	The mandate was cancelled by the payer via the Banked UX
`PAYER_ACTION_MANDATE_DECLINED`	Payer Has Declined the Mandate
`PAYER_ACTION_MANDATE_INACTIVE`	Mandate inactive by payer request
`PAYER_ACTION_NO_RESPONSE`	Payer did not respond to mandate
`PAYER_ACTION_NOT_AUTHORIZED`	User authorisation failed. Please reauthorise request with the provider
`PAYER_ACTION_PAYMENT_DECLINED`	Payer has declined the payment
`PAYMENT_CUSTOMER_CANCELLED`	Payment was cancelled by the customer
`PAYMENT_EXPIRED`	We haven't had a response from the bank and have cancelled this attempt
`PAYMENT_MERCHANT_CANCELLED`	Payment was cancelled by the merchant
`PAYMENT_SETTLEMENT_BANK_UNAVAILABLE`	Bank settlement system failed or was offline
`PAYMENT_SETTLEMENT_FAILURE`	Payment failed due to settlement error
`PAYMENT_SETTLEMENT_NETWORK_UNAVAILABLE`	Settlement system not available
`PAYMENT_SETTLEMENT_PAST_VALIDITY_DATE`	Retry After The Mandate Validity End Date
`PAYMENT_SETTLEMENT_PENDING`	Payment settlement is delayed due to payer bank
`PAYMENT_SETTLEMENT_RETRY_LIMIT_EXCEEDED`	Number of payment retries exceeded
`PAYMENT_SETTLEMENT_RETRY_NOT_ELIGIBLE`	Payment not retryable
`PAYMENT_SETTLEMENT_RETURNED`	Payment settlement returned
`PAYMENT_SETTLEMENT_TIMEOUT`	Payment failed due to timeout
`REFUND_FUND_SOURCE_INSUFFICIENT_FUNDS`	The provided fund source has insufficient funds to process this refund
`TIMEOUT_AUTO_CANCELLED`	The mandate was automatically cancelled after the authorisation timeout was reached
`UNKNOWN`	An Unexpected Error Occurred. Contact Banked for More Info.

Important ConsiderationsCopy URL

Important Considerations