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Return Codes

Return codes are given by the API when a payment encounters scenarios where the payment cannot be applied to the beneficiary account. The possible scenarios are outlined below.

Code Return Reason

RTN01

Account Closed

RTN02

No Account/Unable to locate account

RTN03

Account Number & Beneficiary do not match / differ

RTN04

Invalid Account Number

RTN05

Invalid Bene Name

RTN06

Bene Declined funds – Unable to contact Bene

RTN07

Bene did not claim funds

RTN08

Invalid / Insufficient Payment details

RTN09

Invalid / Insufficient Bene Bank Branch Details

RTN10

Invalid Routing

RTN11

Invalid SWIFT

RTN12

Incorrect Currency

RTN13

Rejected per internal policy (Compliance)

RTN14

Per Recall Request

RTN15

Bank Endorsement Missing

RTN16

Payment Amount Insufficient / Minimum Amount not met

RTN17

Debits & Credits not allowed

RTN18

Other Freeform reference included

RTN19

No Reason Provided 

RTN20

BBK Internal Policy 

RTN21

Beneficiary Deceased

RTN22

Beneficiary Reference needed

RTN23

Blocked Account

RTN24

Correspondent Bank Internal Policy

RTN25

Duplicate Payment

RTN26

Foreign Exchange Regulations

RTN27

IBK Details Missing/ Incorrect

RTN28

IBK Internal Policy

RTN29

Only Accepts SEPA Payments

RTN30

Overpayment

RTN31

Per Beneficiary Request

RTN32

Purpose of Payment Not Provided/Unclear

RTN33

Refund

RTN34

Remitter Details

RTN35

Stale Dated Draft