| D10000 | declined | PayTo, PayID, Card, Terminal, Direct Debit | Declined |
| D10001 | target_account_invalid | PayTo, PayID, Direct Debit | Target account is invalid. |
| D10002 | target_account_blocked | PayTo, PayID, Direct Debit | Target account is blocked due to fraud, sanctions etc or cannot accept credits due to account type. |
| D10003 | from_account_closed | PayTo, PayID | From account is closed, Payment return cannot be made. |
| D10004 | amount_invalid | PayTo, PayID | Unable to process the payment for the amount specified. |
| D10005 | returned | PayTo, PayID | The target institution initially settled the funds, but has since returned them. |
| D10006 | from_account_invalid | PayTo, PayID | Declined due to the source account being invalid. |
| D10007 | target_account_closed | PayTo, PayID, Direct Debit | Declined payment due to target account being closed. |
| D10008 | onboarding_not_complete | PayTo | Onboarding not complete. |
| D10009 | downstream_error | PayTo, Card | Downstream error. |
| D10010 | configuration_mismatch | PayTo, Direct Debit | Configuration mismatch. |
| D10011 | target_account_unreachable_for_payto | PayTo | Target account unreachable for PayTo service. |
| D10012 | target_account_unreachable_for_npp | PayTo, PayID | Target account unreachable for NPP service. |
| D10013 | payid_invalid | PayTo | PayId is invalid. |
| D10014 | target_account_unreachable_for_credits | PayTo, PayID | Account exists but does not support credits. |
| D10015 | amount_below_minimum | PayTo, PayID | Specified transaction amount is less than agreed minimum. |
| D10016 | amount_above_maximum | PayTo, PayID, Direct Debit | Transactions amount exceeds limits set by clearing system. |
| D10017 | currency_invalid | PayTo, PayID | Where the currency cannot be applied to the specified account. The Interbank settlement Currency is not the AUD. |
| D10018 | receiving_bank_unavailable | PayTo, PayID | Receiving bank is experiences problems. Client should retry for up to 8 hours before failing the payment and crediting the customers account. |
| D10019 | amount_invalid_for_payment_agreement | PayTo, PayID | Provided amount was not defined in the payment agreement. |
| D10020 | payment_agreement_max_transactions_exeeded | PayTo, PayID | Maximum transactions reached for the provided payment agreement. |
| D10021 | payment_agreement_max_amount_exeeded | PayTo, PayID | The provided amount has reached the maximum amount for the provided payment agreement. |
| D10023 | porting_unavailable | PayTo, PayID | Porting unavailable. |
| D10024 | insufficient_funds | PayTo, PayID, Card, Terminal, Direct Debit | Insufficient funds. |
| D10025 | transaction_cancelled | Terminal | The Terminal transaction was cancelled. |
| D10026 | transaction_not_attempted | Terminal | The transaction was not attempted. |
| D10027 | date_maximumtransaction_reached | Direct Debit | The date maximumtransaction is reached |
| D10028 | payment_instrument_invalid | Direct Debit | The payment instrument is invalid |
| D10029 | transaction_dishonoured_after_settlement | Direct Debit | The transaction dishonoured after settlement |
| D10030 | payid_cancelled | PayTo, PayID | The PayId is cancelled. |
| D10100 | internal_timeout | PayTo, PayID, Card, Terminal, Direct Debit | The service run out of time to process the request within the contractual time limit. |
| D10300 | 3ds_enroll_status_invalid | Card | The transaction is not in pending status or 3D Secure enrollment is failed. |
| D10301 | 3ds_verify_error | Card | The transaction is not passed 3DS authentication. |
| D04401 | refer_to_issuer | Card | Refer to issuer |
| D04402 | refer_to_issuer_special | Card | Refer to issuer special |
| D04403 | no_merchant | Card | No merchant |
| D04404 | pick_up_card | Card | Pick up card |
| D04405 | do_not_honour | Card, Terminal | Do not honour |
| D04406 | error | Card, Terminal | Error |
| D04407 | pick_up_card_special | Card | Pick up card special |
| D04409 | request_in_progress | Card | Request in progress |
| D04412 | invalid_transaction | Card | The transaction is invalid |
| D04413 | invalid_amount | Card | The amount is invalid |
| D04414 | invalid_card_number | Card | The card number is invalid |
| D04415 | no_issuer | Card | No issuer |
| D04417 | 3d_secure_error | Card | 3d secure error |
| D04419 | re-enter_last_transaction | Card | Re-enter last transaction |
| D04420 | invalid_response | Card | The response is invalid |
| D04421 | no_action_taken | Card | No action taken |
| D04422 | suspected_malfunction | Card | Suspected malfunction |
| D04423 | unacceptable_transaction_fee | Card | Unacceptable transaction fee |
| D04424 | file_update_not_supported by receiver | Card | File update not supported by receiver |
| D04425 | unable_to_locate_record_on_file | Card | Unable to locate record on file |
| D04426 | duplicate_file_update_record_old_record_replaced | Card | Duplicate file update record old record replaced |
| D04427 | file_update_field_edit_error | Card | File update field edit error |
| D04428 | file_update_file_locked_out | Card | File update file locked out |
| D04429 | file_update_not_successful_contact_acquirer | Card | File update not successful contact acquirer |
| D04430 | format_error | Card | Format error |
| D04431 | bank_not_supported_by_switch | Card | Bank not supported by switch |
| D04432 | completed_partially | Card | Completed partially |
| D04433 | expired_card_capture | Card | Expired card capture |
| D04434 | suspected_fraud_retain_card | Card | Suspected fraud retain card |
| D04435 | card_acceptor_contact_acquirer_retain_card | Card | Card acceptor contact acquirer retain card |
| D04436 | restricted_card_retain_card | Card | Restricted card retain card |
| D04437 | contact_acquirer_security_department_retain_card | Card | Contact acquirer security department retain card |
| D04439 | no_credit_account | Card | No credit account |
| D04440 | requested_function_not_supported | Card | Requested function not supported |
| D04441 | lost_card | Card | Lost card |
| D04442 | no_universal_account | Card | No universal account |
| D04443 | stolen_card | Card | Stolen card |
| D04444 | no_investment_account | Card | No investment account |
| D04451 | insufficient_funds | Card | Insufficient funds |
| D04452 | no_checking_account | Card | No checking account |
| D04453 | no_savings_account | Card | No savings account |
| D04454 | expired_card | Card | Expired card |
| D04455 | incorrect_personal_identification_number | Card | Incorrect personal identification number |
| D04456 | no_card_record | Card | No card record |
| D04457 | function_not_permitted_to_cardholder | Card | Function not permitted to cardholder |
| D04458 | transaction_not_permitted_to_terminal | Card | Transaction not permitted to terminal |
| D04459 | suspected_fraud | Card | Suspected fraud |
| D04460 | acceptor_contact_acquirer | Card | Acceptor contact acquirer |
| D04461 | exceeds_withdrawal_amount_limit | Card | Exceeds withdrawal amount limit |
| D04462 | restricted_card | Card | Restricted card |
| D04463 | security_violation | Card | Security violation |
| D04464 | original_amount_incorrect | Card | Original amount incorrect |
| D04465 | exceeds_withdrawal_frequency_limit | Card | Exceeds withdrawal frequency limit |
| D04466 | acceptor_contact_acquirer_security | Card | Acceptor contact acquirer security |
| D04467 | capture_card | Card | Capture card |
| D04468 | response_received_too_late | Card | The response received too late |
| D04475 | allowable_number_of_pin_tries_exceeded | Card | Allowable number of pin tries exceeded |
| D04482 | cvv_validation_error | Card | Cvv validation error |
| D04490 | cut_off_in_progress | Card | Cut off in progress |
| D04491 | card_issuer_unavailable | Card | The card issuer is unavailable |
| D04492 | unable_to_route_transaction | Card | Unable to route transaction |
| D04493 | cannot_complete_violation_of_the_law | Card | Cannot complete violation of the law |
| D04494 | duplicate_transaction | Card | Duplicate transaction |
| D04495 | reconcile_error | Card | Reconcile error |
| D04496 | system_error | Card | System error |
| D06154 | insufficent_funds_available_for_refund | Card | Insufficent funds available for refund |
| D06172 | apple_pay_token_data_required | Card | Apple Pay token data is required |
| D06173 | apple_pay_token_signature_required | Card | Apple Pay token signature is required |
| D06174 | apple_pay_token_version_number_is_not_supported | Card | Apple Pay token version number is not supported |
| D06175 | apple_pay_token_header_required | Card | Apple Pay token header is required |
| D06176 | apple_pay_token_ephemeral_publickey_required | Card | Apple Pay token ephemeral publickey is required |
| D06177 | apple_pay_token_publickeyhash_required | Card | Apple Pay token publickeyhash is required |
| D06178 | apple_pay_transaction_id_required | Card | Apple Pay transaction id is required |
| D06179 | apple_pay_is_not_available_in_your_country | Card | Apple Pay is not available in your country |
| D06186 | apple_pay_not_supported_by_gateway | Card | Apple Pay not supported by gateway |
| D06187 | apple_pay_should_not_coexist_at_the_same_time | Card | Apple Pay should not coexist at the same time |
| D07025 | apple_pay_unsupported_card_type | Card | Apple Pay unsupported card type |
| D07100 | google_pay_is_not_supported_by_gateway | Card | Google Pay is not supported by gateway |
| D07101 | google_pay_should_not_coexist_at_the_same_time | Card | Google Pay should not coexist at the same time |
| D07102 | google_pay_intermediate_signing_key_required | Card | Google Pay intermediate signing key is required |
| D07103 | google_pay_signature_required | Card | Google Pay signature is required |
| D07104 | google_pay_version_number_is_not_supported | Card | Google Pay version number is not supported |
| D07105 | google_pay_signed_message_required | Card | Google Pay signed message is required |
| D07106 | google_pay_intermediate_signingkey_signedkey_required | Card | Google Pay intermediate signingkey signedkey is required |
| D07107 | google_pay_intermediate_signingkey_signatures_required | Card | Google Pay intermediate signingkey signatures is required |
| D07109 | google_pay_is_not_available_in_your_country | Card | Google Pay is not available in your country |
| D07110 | google_pay_token_does_not_match_merchant | Card | Google Pay token does not match merchant |
| D07111 | google_pay_token_has_expired | Card | Google Pay token has expired |
| D07112 | google_pay_token_has_an_invalid_signingkey | Card | Google Pay token has an is invalid signingkey |
| D07113 | google_pay_is_not_enable | Card | Google Pay is not enable |
| D07210 | apple_pay_token_is_an_invalid_json_string | Card | Apple Pay token is an is invalid json string |
| D07211 | google_pay_token_is_an_invalid_json_string | Card | Google Pay token is an is invalid json string |
