Canada Bank Return Codes

General

LoanPro lets Canadian companies process payments using CPA standard 005 formatted files, the format used by most Canadian banks. The file can be submitted to the originating bank, and will contain all information necessary transfer funds to or from one or more bank accounts. CPA-005 files only work if both the originating bank and the target banks are located in Canada.

When Canadian banks reject CPA 005 transactions, they will provide a Rejection Code that indicates why the transaction failed. LoanPro then lets you set automatic actions in response to the specific code received.

Return Code Actions

To set a specific action for a Canada Return Code, navigate to Settings > Company > Merchant > Canada Returns.

The page displays all of the return codes, which are number from 900 to 922 before jumping up to 990. The entry for each return code lists this number, an explanation of what it indicates, the current action assigned to it, and an icon allowing you to edit it.

Clicking the pencil icon pulls up this window, giving you the options for when that code is returned. You can take no action, cancel upcoming AutoPays, or inactivate the payment profile.

Choose the desired action related to the code in the popup window and click Save.

Return Codes Reference

All of the return codes and abbreviations are listed for reference below:

Return Code

Description

Abbreviation (English/French)

900

Edit Reject

REJ/REV

901

Non Sufficient Funds (Debit Only)

NSF/DSP

902

Account Not Found

CNT/ITV

905

Account Closed

CLS/FER

907

No Debit Allowed

NCP/PPC

908

Funds Not Cleared (Debit Only

FNC/FNL

909

Currency/Account Mismatch

WCU/MDC

910

Payor/Payee Deceased

DEC/DEC

911

Account Frozen

FZN/BLQ

912

Invalid/Incorrect Account No.

INA/INV

914

Incorrect Payor/Payee Name

INP/NOM

915

No Agreement Existed

ANP/NOG

916

Not According to Agreement – Personal

NCA/ACP

917

Agreement Revoked – Personal

ARP/AGP

918

No Confirmation/Pre-Notification – Personal

PNP/PRP

919

Not According to Agreement – Business

NCE/ACB

920

Agreement Revoked – Business

ARE/AGB

921

No Confirmation/Pre-Notification – Business

PNE/PRB

922

Customer Initiated Return (Credit Only)

REC/CIR

990

Institution in Default

DEF/DEF


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