Transaction status and response codes

Transaction Statuses

The status should be used to interpret the transaction response code for simplicity. These can be received during credit completion, requery, and transaction update callback.

Status	Meaning
SUCCESS	Transaction approved and completed successfully. Credit hit beneficiary account in real
FAILURE	Transaction failed permanently
TRANSACTION_IN_PROGRESS	Transaction status is currently undergoing automated confirmation. The final response will be shared via a call to the requery API
PENDING	Transaction status is unknown and cannot be confirmed from a remote institution. Transaction will be settled and dealt with through the arbitration process if necessary. Please treat as SUCCESSFUL
NEW	This states that the Inquiry can be retried as the Inquiry request is yet to be completed
OPEN	Transaction Inquiry was successful and the transaction is now open for a Credit Request
ERROR	Transaction is in a final state and a user is re-attempting to trigger a duplicate credit request. Recheck transaction details and try again

NOTE: The transaction STATUS gives a true picture of the transaction and should be paid attention to mostly. The response codes define the different scenarios that could happen around the transaction processing

Response Codes

Response Code	Description	Response Message
00	Transaction was successful	Approved or completed successfully
01	Source institution should be contacted	Contact source institution
05	Do not honour	Do not honour
06	Transaction failed for arbitrary reasons	General transaction failure
09	Transaction is in progress at middleware or other operational reasons.	Transaction in progress
10	CBA timeout at destination	Transaction in progress
12	The transaction is invalid	Invalid Transaction
13	Invalid Amount	Invalid Amount
14	The account type for this account is invalid	Account type is incorrect
15	No such issuer	Invalid Issuer
17	Middleware error returned for operations relating to customer authenticating the debit	Debit Authentication Error
19	Transaction retry limit has been reached. The middleware will no longer attempt this transaction. Except a requery and it receives a response code for which it can retry.	Pending transaction retry limit reached and status unknown
20	Invalid response received from the processor	Invalid response received from CBA
21	Middleware received a response code that is not in its mapping configuration table	Response code not registered
25	Transaction record not found	Transaction not found
30	Bad request	Bad request
31	Invalid route configuration for the sender	Route configuration error for issuer institution
39	The specified account does not exist	Invalid account
40	The sender account is invalid	Sender invalid
45	The specified account is closed	Account is closed
46	The specified account is dormant	Account is dormant
47	The specified account is blocked	Account is blocked
51	The specified account balance has been reached	The account balance limit reached
52	The TSS at the crediting bank is not sufficiently funded	Transaction failed. Please contact administrator
56	Payment instrument not found to complete the transaction	Payment Instrument not found
58	Transaction not allowed on channel specified/ Channel code has not been mapped/setup on the middleware or is inactive. No further action was taken.	Transaction not permitted on channel /Channel does not exist
59	The transaction is marked as suspected fraud and not processed	Suspected fraud or security breach
61	Transaction limit exceeded	The source transfer limit exceeded
62	Withdrawal frequency exceeded	Withdrawal frequency exceeded
63	Security has been violated	Security Violation
64	The authentication token is not valid	The authentication token is not valid
79	Bvn record not maintained	Account no bvn maintained
80	Account name mismatch	Account name mismatch
81	The configured TSS is invalid (does not exist, PND, etc)	Invalid TSS account
82	The configured TSS could not be credited	Cannot credit TSS account
91	Middleware could not reach Core Banking Application / Middleware did not get a definite response from Core Banking Application	Could not reach Remote Service / Response timed out while attempting to reach remote service
92	Invalid route configuration for destination	Issue/Error with routing configuration for the receiving institution
94	The transaction is a duplicate and is either in progress	Duplicate transaction
97	A system error occurred. Transaction status not confirmed.	A system error occurred. Transaction status not confirmed
98	The specified account has reached the limit for this transaction	The account transaction limit reached
99	The transfer rate limit has been reached for the TSS account.	Transfer frequency reached