RTP-TCH Response Codes

For Real Time Payments, each of the networks (RTP-TCH and FedNow) have their own unique responses to transfer messages. The Platform application should be aware of these messages and deal with them accordingly.

Response reject codes specifically for RTP via TCH

Code	Description
AC04	Closed Account Number
AM04	Insufficient Funds
ARDT	Already Returned
CUST	Customer Decision
LEGL	Legal Decision
NOAS	No Answer From Customer
NOOR	No Original Transaction Received

Local Instrument Proprietary

For RTP via TCH, identifies the origination condition of the instruction to allow the instructed agent to properly process the transaction.

Code	Description
INTERMEDIARY	Payment sent through a Payment Service Provider (domestic) – one of “Ultimate Debtor” or “Ultimate Creditor” must be present
STANDARD	Standard RTP payment

RTP via TCH category purpose codes

Identifies the Debtor/Sender as either a business or consumer customer of the Debtor FI.

Code	Description
BUSINESS	Business initiated
CONSUMER	Consumer initiated