FedNow Response Codes

E301

Report request failed. Review request, update and resubmit as needed.

E400

ISO message does not exist, can resend with same message ID (or new message ID).

E401

Sender of the payment status request is not authorized to receive transaction status.

E402

Original ISO message referenced was not processed; resend with new unique message ID.

E411

Transaction is still processing; retry after timeout clock has elapsed.

E481

Invalid dates included in the reporting from date and/or to date fields.

E500

Internal processing error; contact FRB Service Support Center.

E600

Balance inquiry is not allowed for this account or by this Participant.

E760

Invalid response sender and receiver. Response sender and receiver must match original transfer request.

E890

Pending transaction status is not valid for this message.

E891

Finalized transaction status is not valid for this message.

E960

Internal error. Contact FRB Services Support Center for details.

E970

Invalid settlement relationship. Sender FI and Receiver FI must have a valid settlement relationship within the FedNow Service to indicate the appropriate Master Account to which transactions will be settled.

E974

Internal processing error; contact FRB Service Support Center.

E980

Invalid FedNow Service profile for the Sender FI RTN. As a result, the RTN is not eligible to send this message type.

E981

Invalid FedNow Service profile for the Receiver FI RTN. As a result, the Receiver FI RTN is not eligible to receive this message type.

E982

Sender FI or Receiver FI does not have a Participant Profile enabled to send and/or receive instant payments; or Receiver FI does not have a Participant Profile enabled to receive Request for Payment (RfP) messages.

E983

Liquidity Management Transfers (LMTs) were sent outside of supported hours. LMTs can be sent only during specified LMT operating hours.

E984

Sender FI or Receiver FI does not have a Participant Profile enabled for the indicated RTN to send and/or receive LMTs.

E990

Invalid transaction limit. Transaction exceeds the FedNow Service transaction limit, or a lower limit set by the Sender FI.

E996

Reserved response timeout. Insufficient time remains on the payment timeout clock to accommodate Receiver FI reserved response time.

E997

Timeout clock has expired. Processing of the transaction exceeded the payment timeout clock.

E998

Receiver FI is not signed onto the FedNow Service and therefore cannot receive instant payments. 
Sender FI and/or Receiver FI is not yet active on the FedNow Service.

E999

ISO message has a creation date or timestamp that is in the future from when it was received by the FedNow Service. This is not allowed.

T501

ISO message exceeds the maximum allowable size of 25,000 characters.

T504

Invalid clearing system member ID field. The ID in the “to” component should be the FedNow Service member ID (e.g., "021150706").

T505

ISO message does not meet the FedNow Service ISO 20022 message specifications for one or multiple fields.

T506

Invalid message definition identifier. This identifier should be associated with the underlying message and must be a version that FedNow Service supports.

T508

Business processing date/time element is not allowed in the ISO message. This element is used only by the FedNow Service.

T509

Copy duplicate element is not allowed in an ISO message sent by a Participant. This element is used only by the FedNow Service.

T510

Related element is not allowed in an ISO message sent by a Participant. This element is used only by the FedNow Service.

T512

Invalid message ID. A valid message ID must meet the following criteria:
Calendar date (CCYYMMDD) is the current date and aligned with the Business Application Header (BAH) date.
Connection Party ID (nine alphanumerical characters).
Reference sequence assigned by sender (up to 18 characters).

T514

Structured remittance information field exceeded the maximum length of 4,000 characters.

T515

Message contains both structured and unstructured remittance elements. The FedNow Service only allows one or the other within a single message.

T516

Invalid sending party or sending party information. A valid sending party is a Participant or a Service Provider that is authorized to send messages on behalf of the Participant.

T517

ISO message ID is a duplicate. The message ID must be unique.

T518

ISO message does not contain an original transaction ID or original UETR. The ISO message must contain one or both.

T519

ISO message does not contain a phone number in the preferred contact Method (PHON) field. A phone number must be provided when phone is the preferred contact method.

T520

ISO message does not contain a mobile number in the preferred contact method (CELL) field. A mobile number must be provided when cell is the preferred contact method.

T521

ISO message does not contain an email address in the preferred contact method (MAIL) field. An email address must be provided when mail is the preferred contact method.

T522

ISO message does not contain the required status reason code for the rejected transaction.

T523

Invalid transaction status code. ISO messages must include one of the following eligible codes:
ACTC.
ACWP.
ACCC.
BLCK
PDNG
RJCT

T524

Invalid original message name identification. A valid ISO message name as permitted in the ISO 2022 message specification rules is required.

T525

Invalid original interbank settlement amount format. This amount must be: Greater than $0 and Maximum of two decimal places

T526

Insufficient information provided. When debtor of the return is a party, the debtor party, account and agent must be provided.

T527

Invalid local instrument. The local instrument specifies the FedNow Service product code under which the message is sent. The code should be FDNA.

T528

Invalid returned interbank settlement amount format. This amount must be:• Greater than $0.• Maximum of two decimal places.

T529

Invalid message signature on ISO 20022 message. For the signature to be valid, it must be signed with the key owner’s private key that corresponds to an active public key that was previously created and validated by the FedNow Service.

T530

Invalid country code. See the officially assigned code list on the ISO 20022 website (www.iso20022.org).

T532

Invalid interbank settlement amount format. This amount must be:
• Greater than $0.
• Maximum of two decimal places.

T533

Invalid compensation amount. This amount must be:
• Greater than $0.
• Maximum of two decimal places.

T534

ISO message does not contain the required transaction identification or UETR.

T535

Invalid category purpose field. This field must contain either CONS, BIZZ or GOVT.

T536

Insufficient information. If the ISO 20022 message used reason code is NARR, additional information or additional incorrect information must be present, as applicable.

T537

Key signature algorithm not supported.

T538

Account balance request cannot include a reporting period because the balance is as of a particular date and time.

T539

Account balance request must include the account type.

T540

If an account balance report (ABAR), account activity totals report (AATR or IATR) or an account activity details report (AADR) is requested, then the member identification field must be the FedNow Service Connection Party identifier of the requestor of the report(s) and must match the "From" field in BAH.

T542

Invalid Market Practice Identifier

T543

Invalid original message date. Original message date must be the current date or previous calendar date.

T544

Message referenced in admi.007 is not found

T545

Reporting Period and Account Type are not allowed for an intraday account activity totals report (IATR) or a correspondent intraday account activity totals report (CITR).

T546

Invalid Account ID for message type. A correspondent account activity totals report cannot be requested for a single RTN.

T547

Invalid status code. The status code must be TS02.

T548

Invalid charges amount format. This amount must be:
• Greater than $0.
• Maximum of two decimal places.

T550

Invalid status confirmation code for the return request response message. Must contain one of the following codes:
IPAY.
RJCR
PDCR
PECR

T551

Cancellation Status Reason Information component is incorrect: Reason code is required if status confirmation code is ‘RJCR.’  Only one instance of the Cancellation Status Reason Information component is allowed

T553

Proprietary under Reason cannot be populated.

T554

Invalid status code for the information request response message. Must be one of the following codes:
IPAY
IDUP
INFO
NINF
PDNG

T555

Incorrect format in fnclockstart field. Refer to the Technical Specification document for the correct format.

T556

Invalid Correction Transaction component in information request response message. If the correction transaction component is present, the status must be “IPAY.”

T557

If an (end-of-day) account activity totals report (AATR), an (end-of-day) account activity details report (AADR), a (end-of-day) correspondent account activity totals report (CATR), or a (end-of-day) correspondent account activity details report (CADR) is requested, then Reporting Period is mandatory, and Account Type is not allowed.

T558

Invalid Requested Message Name Identification in the camt.060 message. A valid ISO message name as permitted in the ISO 20022 message specification rules is required.

T560

Invalid Transaction Status Code. Must be one of the following codes:
ACTC
PRES
RJCT
RCVD

T561

The Status Reason Information component can only occur once

T562

The Business Service element in the BAH must not be used by participants

T563

Invalid Status Confirmation code. Must be one of the following codes:
CNCL
RJCR
PDCR

T565

If the Resolution Related Information is populated, the status must be IDUP

T566

If the Resolution Related Information is populated, the status must be either IPAY or PECR

T570

Invalid key encoding. The encoding algorithm must be one supported by the FedNow Service.

T571

Invalid key algorithm. The key algorithm must be one supported by the FedNow Service.

T572

Invalid encoded key. Unable to parse the key using the given encoding and key algorithms.

T573

Invalid key length

T574

Invalid key fingerprint

T575

Invalid key expiration. Keys with an expiration date greater than one year are not accepted by the FedNow Service.

T576

Duplicate key. All keys added must be unique.

T580

Event Time future dated

T581

Error in event code field. If Event Code-FPON/FPOF then Event Parameter must be 9-digit RTN. If Event Code-FPCD/FPCR then Event Parameter must be 7-digit Hexa decimal (connection point ID).

T584

At least one connection point must be connected per Connection party.

T600

Balance inquiry service not available at this time. Or balance inquiry not allowed for this account.

F101

Entry pair matches the Receiver FI’s fraud controls

F002

Entry pair matches an entry on the Sender FI’s Negative List with a send restriction