Introduction
There are numerous reasons for a direct debit to fail. The Customate system will inform you the reason for a failure.
{
...
"name": "IncomingDirectDebit",
"status": "failed",
"error_code": "dd_account_closed",
"error_message": "Transfer is not allowed. Please, contact the support team.",
"funding_source": {
"id": "be26e783-a7b6-4f8d-802d-71ca7b8baa30"
},
"payee": {
"id": "ceee684d-62ad-4305-9278-9be74d1415a6"
},
...
}
Direct Debit inward transfer error responses
| Error code | Additional information |
| dd_no_account | Account number is not recognised at the paying bank. Client should check Direct Debit information and/or liaise with the payer. |
| dd_no_instruction | Instruction does not exist on the paying bank’s database. Client should check Direct Debit information and/or liaise with the payer. |
| dd_account_closed | Payer has closed his account for an unknown reason. New Direct Debit source should be created with updated bank details. |
| dd_account_transferred | Account transferred to another bank/building society. New Direct Debit source should be created with updated bank details. |
| dd_canceled_by_payer | Payer has instructed the paying bank to cancel Direct Debit initialization. Client must liaise with the payer to agree the payment method for collection of any outstanding funds. |
| dd_payer_deceased | |
| dd_bank_rejects | Paying bank does not allow Direct Debits on this account. New Direct Debit source should be created with updated bank details. |
| dd_instruction_expired | Paying bank marked current Direct Debit as expired. New Direct Debit source should be created. |
| dd_paying_bank_canceled_ddi | Paying bank has canceled Direct Debit and new funding source should be created. |
| dd_payer_canceled_ddi | Payer has instructed a paying bank to cancel the existing Direct Debit funding source. Clients may contact the funding source owner and inform him about this issue. |
| dd_advanced_notice_disputed | The mismatch between the Direct Debit data and the position of the payer. Clients must not create Direct Debit payments with the current funding source before contacting the funding source owner. |
| dd_instruction_amended | Paying bank has amended Direct Debit. New Direct Debit source should be created with updated bank details. |
| dd_instruction_reinstated | New Direct Debit source should be created with updated bank details. |
| dd_refer_to_payer | A payer’s bank is not in a position to pay the Direct Debit. Clients may contact the funding source owner and inform him about this issue. |
| dd_amount_differs | The mismatch between the Direct Debit data and the position of the payer. Clients may contact the funding source owner and inform him about this issue. |
| dd_amount_not_due | The mismatch between the Direct Debit data and the position of the payer. Clients may contact the funding source owner and inform him about this issue. |
| dd_presentation_overdue | The mismatch between the Direct Debit data and the position of the payer. Clients may contact the funding source owner and inform him about this issue. |
| dd_service_user_differs | Please, contact the support team. |
| dd_ddi_not_zero | Please, contact the support team. |
| dd_account_transferred_to_different_branch | Please, contact the support team. |
| dd_invalid_account_type | Paying bank does not allow Direct Debits on this type of account. Clients will need to obtain new account details from the payer and create a new Direct Debit source. |
| dd_invalid_account_details | Direct Debit initialization faced invalid account details. Customate has verified the sort code and account number, but bank service declined them. |
| dd_invalid_reference | Bank provider changed reference generation rules. Please, contact the support team. |
| dd_reference_not_unique | Paying bank has matched the new Direct Debit to an existing Direct Debit with a similar reference that has more or fewer characters. Clients can try to create a new funding source record or contact the support team, who will try to investigate the main cause. |
| dd_service_user_name_blank | Please, contact the support team. |
| dd_canceled_by_bank | Paying bank has cancelled the Direct Debit initialization. Customate cannot collect funds via Direct Debit on this account. |
| dd_incompatible_data | Please, contact the support team. |
| dd_transaction_not_allowed | Paying banks have expressly disallowed Direct Debit initialization. New Direct Debit source should be created with updated bank details. |
| dd_payer_name_missing | Client should recheck funding source creation details and make sure data.payer.full_name is set. |
| dd_inconsistent_state | Wasn’t able to process payment due to an internal issue. |
| dd_unknown_error | Unknown error. Development team will be notified about it right away. |