---
updatedAt: 2026-07-08T09:37:27.000Z
agentTools:
  projectIndex: https://doc.fintecture.com/llms.txt
---

# Payment Transfer Reasons

The below table shows the different payment transfer **reasons**. The list is subject to evolve:

| Reason                     | Description                                                                                         |
| :------------------------- | :-------------------------------------------------------------------------------------------------- |
| `insufficient_funds`       | The payment was rejected due to insufficient\_funds (often this error is returned as `customer`)    |
| `incorrect_account_number` | The provided account number is unknown                                                              |
| `closed_account`           | The payment was rejected as the account used is closed (often this error is returned as `customer`) |
| `blocked_account`          | The payment was rejected as the account is blocked (often this error is returned as `customer`)     |
| `transaction_forbidden`    | The transaction is forbidden                                                                        |
| `too_many_transactions`    | The bulk payment contains too many transactions                                                     |
| `invalid_execution_date`   | The execution date is invalid                                                                       |
| `customer`                 | The payment was rejected because of an issue related to the customer's account or information       |
| `cancelled`                | The payment was cancelled by the customer                                                           |
| `fraudulent_originated`    | The payment was rejected as fraud was detected                                                      |
| `no_answer`                | The payment was rejected as it expired                                                              |
| `regulatory_reason`        | The payment was rejected for regulatory reason                                                      |
| `missing_debtor`           | The payment account is unknown to the bank (often due to logging in to the wrong branch)            |
| `session_aborted`          | The payment was aborted by the customer                                                             |
| `unknown`                  | The rejection reason is unknown                                                                     |
| `invalid_bic`              | The payment was rejected due to an unknown Swift BIC                                                |
| `creditor_agent_error`     | The payment was rejected due to an error at the Creditor Agent                                      |
| `creditor_agent_timeout`   | The payment was rejected due to a timeout at the Creditor Agent                                     |
| `creditor_agent_offline`   | The payment was rejected as the creditor agent could not be reached                                 |
| `technical`                | The payment was rejected due to a technical error                                                   |
| `instructed_agent_timeout` | The payment was rejected due to a timeout at the Instructed Agent                                   |
| `instructed_agent_error`   | The payment was rejected due to an error at the Instructed Agent                                    |
| `fraud_suspected`          | The payment was rejected due to fraud suspicion                                                     |