M2P Fintech API documentation

UPI Common Errors (UPI_001 – UPI_016)

Code	Name	Message	Resolution
UPI_001	DEVICE_BINDING_ERROR_DEVICE_ID	Device id mismatch	Ensure the device ID matches the registered device.
UPI_002	DEVICE_BINDING_ERROR_MOBILE	Mobile No mismatch	Verify the mobile number matches the registered profile.
UPI_003	PROFILE_NOT_EXISTS	Profile does not exist	Register the profile before performing this operation.
UPI_004	REQUESTED_ACCOUNT_NOT_FOUND	Requested account not found	Verify the account details and try again.
UPI_005	REQUESTED_VPA_NOT_FOUND	Requested vpa not found	Verify the VPA exists and is correctly spelled.
UPI_006	BUSINESS_CONFIGURATION_NOT_FOUND	Business configuration not found	Ensure business configuration is set up for the tenant.
UPI_007	OPERATION_REQUESTED	Waiting for response from NPCI	Retry the request after a few seconds.
UPI_008	DATABASE_ERROR	Error in accessing DB	Check database connectivity and retry.
UPI_009	INVALID_ADDRESS	Invalid Address - 0	Provide a valid UPI address.
UPI_010	NPCI_ERROR	Error from NPCI	Retry later; NPCI may be experiencing issues.
UPI_011	REQUEST_TIMED_OUT	Request Timed out from NPCI	Retry the request after some time.
UPI_012	NPCI_ASYNC_FAILED	Failure response received from NPCI	Check NPCI response details and retry.
UPI_013	INVALID_CALLBACK	Requested callback ref is not found	Provide a valid callback reference.
UPI_014	DEVICE_BINDING_ERROR_OSVERSION	OS Version Error	Update the device OS version and retry.
UPI_015	PROFILE_CREDIT_DISABLED	Credit has been disabled for the Profile	Enable credit for the profile or contact support.
UPI_016	INVALID_ACTION_TYPE	Invalid 0 Type	Provide a valid action type in the request.

UPI Profile & Account Errors (UPI_101 – UPI_195)

Code	Name	Message	Resolution
UPI_101	ACCOUNTS_NOT_EXIST	Account does not exist	Verify the account details or add a new account.
UPI_102	SET_PRIMARY_ACCOUNT_FAILED	Primary account set has been failed	Retry setting the primary account.
UPI_103	SET_PRIMARY_VPA_FAILED	Primary vpa set has been failed	Retry setting the primary VPA.
UPI_104	VPA_WAIT_TIME_NOT_MET	Deleted vpa reactivation wait time not met	Wait for the required duration before reactivating the VPA.
UPI_105	REQ_ACCOUNT_LIST_FAILED	Request account list has been failed	Retry fetching the account list.
UPI_106	RESP_ACCOUNT_LIST_FAILED	Response account list has been failed	Retry the operation; check NPCI connectivity.
UPI_107	PRIMARY_VPA_EXPECTED	Requested vpa does not match with primary vpa	Use the primary VPA for this operation.
UPI_108	PRIMARY_VPA_NOT_EXIST	Primary vpa does not exist	Set a primary VPA before performing this action.
UPI_109	ADD_VPA_FAILED	Addition of new vpa failed	Retry adding the VPA or check for conflicts.
UPI_110	VPA_ALREADY_IN_USE	Requested vpa is already in use	Choose a different VPA.
UPI_111	VPA_DOES_NOT_MATCH_MOBILE_NUMBER	10 digit vpa does not match with mobile number	Ensure the VPA matches the registered mobile number.
UPI_112	REQ_VALIDATE_VPA_FAILED	Request validate vpa has been failed	Retry VPA validation.
UPI_113	RESP_VALIDATE_VPA_FAILED	Request validate vpa has been failed	Retry VPA validation; check NPCI response.
UPI_114	UNSUPPORTED_ADDRESS_TYPE	Address Type not supported	Use a supported address type.
UPI_115	OPERATION_REQUESTED_NPCI	Requested. Awaiting response from NPCI. Please try again in few seconds.	Retry after a few seconds.
UPI_116	PRIMARY_VPA_ALREADY_SET	Vpa 0 has been already set as primary	No action needed; VPA is already primary.
UPI_117	PRIMARY_ACCOUNT_ALREADY_SET	Account 0 has been already set as primary	No action needed; account is already primary.
UPI_118	MAX_ALLOWED_VPA_COUNT_REACHED	Maximum allowed vpas already created	Delete an existing VPA before creating a new one.
UPI_119	ACTION_NOT_IMPLEMENTED	Action has not been implemented	Contact support; this action is not yet available.
UPI_120	VPA_ACTION_FAILED	Action 0 failed for vpa 1	Retry the action on the VPA.
UPI_121	INVALID_ACTION_ON_PRIMARY_VPA	Invalid action 0 on primary vpa 1	Change primary VPA before performing this action.
UPI_122	VPA_ALREADY_ENABLED	Vpa 0 has been already enabled	No action needed; VPA is already enabled.
UPI_123	VPA_ALREADY_DISABLED	Vpa 0 has been already disabled	No action needed; VPA is already disabled.
UPI_124	PROFILE_ALREADY_EXISTS	Profile with entity id 0 already exists	Use the existing profile or provide a different entity ID.
UPI_125	REGISTER_PPI_PROFILE_FAILED	Register PPI profile failed	Retry PPI profile registration.
UPI_126	MOBILE_NUMBER_ALREADY_EXISTS	Mobile number already registered	Use the existing profile associated with this mobile number.
UPI_127	ACCOUNT_ACTION_FAILED	Account action has been failed	Retry the account action.
UPI_128	INVALID_ACTION_ON_PRIMARY_ACCOUNT	Invalid action 0 on primary account 1	Change primary account before performing this action.
UPI_129	ACCOUNT_ALREADY_DISABLED	Account 0 has been already disabled	No action needed; account is already disabled.
UPI_130	ACCOUNT_ALREADY_ENABLED	Account 0 has been already enabled	No action needed; account is already enabled.
UPI_131	ACCOUNT_ALREADY_IN_USE	Requested account is already in use	Use a different account or verify existing linkage.
UPI_132	ADD_ACCOUNT_FAILED	Addition of new account failed	Retry adding the account.
UPI_133	MAX_ALLOWED_ACCOUNT_COUNT_REACHED	Maximum allowed accounts already created	Remove an existing account before adding a new one.
UPI_134	ACCOUNT_WAIT_TIME_NOT_MET	Kindly wait for 0 day(s) to re-add 1 account	Wait for the specified number of days before re-adding.
UPI_135	PROFILE_NOT_REGISTERED	Profile with id 0 is not registered	Register the profile first.
UPI_136	ADAPTER_NOT_FOUND	Adapter not found	Ensure the correct adapter is configured.
UPI_137	INVALID_VPA_HANDLE	Invalid vpa handle 0	Use a valid VPA handle.
UPI_138	RESP_LIST_KEYS_FAILED	Response list keys has been failed	Retry the list keys operation.
UPI_139	REQ_LIST_KEYS_FAILED	Request list keys has been failed	Retry the list keys request.
UPI_140	SIM_BINDING_FAILED	There seems to be a different number in your device.	Ensure the SIM in the device matches the registered mobile number.
UPI_141	VPAS_NOT_EXIST	VPA does not exist	Verify the VPA or create a new one.
UPI_142	ENTITY_ALREADY_BLOCKED	Entity 0 is already blocked	No action needed; entity is already blocked.
UPI_143	ENTITY_ALREADY_UNBLOCKED	Entity 0 is already unblocked	No action needed; entity is already unblocked.
UPI_144	BLOCK_ENTITY_ACTION_FAILED	Action 0 failed for entity 1	Retry the block/unblock action.
UPI_145	UPDATE_PROFILE_INTERNAL_FAILED	Update profile internal failed	Retry profile update.
UPI_146	INVALID_OTP	Invalid OTP	Enter the correct OTP.
UPI_147	OPT_MAX_RETRY_LIMIT_REACHED	Max OTP retry limit reached	Wait before requesting a new OTP.
UPI_148	INVALID_CALLBACK_REF	Invalid Invalid CallbackRef	Provide a valid callback reference.
UPI_149	OPERATION_REQUESTED_SMS_PROVIDER	Requested. Awaiting response from SMS Provider. Please try again in few seconds.	Retry after a few seconds.
UPI_150	VPA_IS_NULL	VPA provided is null	Provide a valid VPA in the request.
UPI_151	UNSUPPORTED_VPA	Unsupported VPA	Use a supported VPA format.
UPI_152	VPA_ALREADY_DELETED	Vpa 0 has been already deleted	No action needed; VPA is already deleted.
UPI_153	ACTIVE_COLLECT_REQUEST	vpa 0 have active collect requests	Resolve active collect requests before proceeding.
UPI_154	ACTIVE_MANDATES	vpa 0 have active mandates	Resolve active mandates before proceeding.
UPI_155	UPI_NUMBER_LINKED	Vpa 0 linked to UPI Number	Unlink UPI Number before performing this action.
UPI_156	REQ_GET_ADD_FAILED	Request check upi number failed	Retry the UPI number check request.
UPI_157	REQ_REG_MAPPER_FAILED	Request create upi number failed	Retry creating the UPI number.
UPI_158	MOBILE_NO_MISMATCH	Provided UPI Number and Mobile number are not matching	Ensure the UPI number and mobile number match.
UPI_159	REQ_REG_MAPPER_FAILED_CZ	Request create upi number failed. Please call Check UPI Number before Create UPI Number	Call Check UPI Number API before Create UPI Number.
UPI_160	ADDR_NOT_EXISTS	0 1 does not exists.	Verify the address exists before performing this operation.
UPI_161	UNSUPPORTED_TXN_TYPE	Unsupported txnType 0	Use a supported transaction type.
UPI_162	UNSUPPORTED_PORT_TYPE	Numeric Id cannot be Ported	Use a non-numeric VPA for porting.
UPI_163	UPI_NUMBER_ALREADY_IN_REQUESTED_STATE	UPI Number already in requested state	No action needed; UPI number is already in the desired state.
UPI_164	PREV_VPA_MISSING	Mandatory Field preVpa is Missing for Porting	Include the preVpa field in the porting request.
UPI_165	REQ_OTP_FAILED	Request otp failed	Retry the OTP request.
UPI_166	REQ_VALIDATE_QR_FAILED	Request validate QR failed	Retry QR validation.
UPI_167	REQ_ACTIVATION_FAILED	Request Activation Failed	Retry the activation request.
UPI_168	CRED_MISSED	Cred Block is missing for this Transaction	Include the Cred block in the transaction request.
UPI_169	UPDATE_PROFILE_FAILED	Profile Update Failed	Retry profile update.
UPI_170	SIM_BINDING_MAX_ATTEMPTS	Maximum sim binding attempts reached for a day	Wait until the next day to retry SIM binding.
UPI_171	DATE_PARSE_ERROR	Date parsing failed	Provide the date in the correct format.
UPI_172	INVALID_VPA_VALUE	Invalid vpa value	Provide a valid VPA value.
UPI_173	REG_MOB_FAILED	Register mobile failed	Retry mobile registration.
UPI_174	ALL_ACCOUNTS_ADDED	All accounts are already added	No further accounts can be added.
UPI_175	LIST_ACCOUNTS_MAX_ATTEMPTS	Maximum failed attempts for list account reached for a day	Wait until the next day to retry.
UPI_176	CACHE_EVICT_FAILED	Cache evict failed	Retry cache eviction or check cache service.
UPI_177	INTERNATIONAL_NOT_ACTIVE	International is not active	Enable international transactions for the profile.
UPI_178	GENERATE_OTP_FAILED	Generate otp failed	Retry OTP generation.
UPI_179	ACTIVE_COLLECT_MANDATE_REQUEST	0 1 have active requests	Resolve active requests before proceeding.
UPI_180	RESP_REGMOB_FAILED	Resp reg mob failed	Retry mobile registration.
UPI_181	SET_PIN_FAILED	Set pin failed	Retry setting the PIN.
UPI_182	INVALID_TYPE	Invalid type	Provide a valid type parameter.
UPI_183	DELETE_CONFIG_FAILED	Delete configuration failed	Retry configuration deletion.
UPI_184	UPIID_IS_RESTRICTED	Invalid UPI ID due to the inclusion of restricted words	Choose a different UPI ID without restricted words.
UPI_186	SIM_BIND_BLOCKED_USER	User blocked from attempting sim binding	Contact support to unblock SIM binding.
UPI_187	BLOCKED_USER_NOT_PRESENT	Blocked user not present	No blocked user record found; verify the user details.
UPI_188	USER_ALREADY_BLOCKED	User already blocked	No action needed; user is already blocked.
UPI_189	MAX_UPI_ID_CREATION_LIMIT_REACHED	Sorry! You can't create a new UPI ID. Please try again after 0 days	Wait for the specified number of days before creating a new UPI ID.
UPI_190	RATE_LIMIT_BREACH_UPDATE_FAILED	Rate limit breach entry update failed	Retry the rate limit update.
UPI_191	CREDIT_ACCOUNT_CANNOT_BE_SET_AS_PRIMARY / FAILED_TO_GENERATE_VPA_SUGGESTION	Credit account cannot be set as primary / Failed to generate VPA suggestion	Use a non-credit account as primary / Retry VPA suggestion generation.
UPI_192	INVALID_VPA_SUGGESTION_REQUEST_TYPE	Invalid VPA suggestion request type	Provide a valid VPA suggestion request type.
UPI_193	INVALID_MOBILE_NUMBER	Invalid mobile number	Provide a valid 10-digit mobile number.
UPI_194	CHANNEL_CODE_MISSING	Channel code is missing	Include the channel code in the request.
UPI_195	BUSINESS_CONFIGURATION_NOT_FOUND	Business configuration not found for channel code	Set up business configuration for the given channel code.

UPI Transaction Errors (UPI_201 – UPI_272)

Code	Name	Message	Resolution
UPI_201	CHECK_TRANSACTION_FAILED	Check transaction Failed	Retry the transaction status check.
UPI_202	REQ_PAY_FAILED	Req Pay Failed	Retry the payment request.
UPI_203	TRANSACTION_NOT_FOUND	Transaction not found	Verify the transaction ID and retry.
UPI_204	CHECK_BALANCE_FAILED	Check balance Failed	Retry the balance check.
UPI_205	COLLECT_DUPLICATE_REQUEST	Collect status has been already 0	No action needed; collect is already in the specified state.
UPI_206	INVALID_RESPONSE_FROM_NPCI	NPCI Services are down	Retry later; NPCI services may be unavailable.
UPI_207	COLLECT_REQUEST_NOT_FOUND / UNSUPPORTED_OPERATION	Collect request not found / Unsupported Operation : 0	Verify the collect request ID / Use a supported operation.
UPI_208	DUPLICATE_MESSAGE_ID	Duplicate message id	Use a unique message ID for each request.
UPI_209	INVALID_COMPLAINT	Dispute Cannot Be Raised	Verify eligibility before raising a dispute.
UPI_210	COMPLAINT_ALREADY_REGISTERED	Complaint already registered	No action needed; complaint already exists.
UPI_211	TRANSACTION_UPDATED	Transaction is updated	No action needed; transaction has been updated.
UPI_212	COMPLAINT_TIME_NOT_REACHED	Time to raise complaint not reached	Wait for the required duration before raising a complaint.
UPI_213	COMPLAINT_RAISE_TIME_EXPIRED	Time limit to raise complaint expired	Complaint can no longer be raised for this transaction.
UPI_214	PER_TXN_LIMIT_EXCEEDED	Transaction amount limit has been exceeded, please try after 24 hours.	Wait 24 hours or reduce the transaction amount.
UPI_215	PER_DAY_LIMIT_REACHED	Daily transaction limit amount cannot be exceeded	Wait until the next day to transact.
UPI_216	MAX_TXN_COUNT_REACHED	Daily transactions frequency cannot be exceeded	Wait until the next day to perform more transactions.
UPI_217	INVALID_UPI_PIN	Invalid UPI pin	Enter the correct UPI PIN.
UPI_218	INSUFFICIENT_FUNDS	Insufficient funds	Ensure sufficient balance in the account.
UPI_219	PIN_RETRY_LIMIT_REACHED	Number of pin retries exceeded	Wait before retrying or reset the UPI PIN.
UPI_220	FIRST_24_HRS_PER_TXN_LIMIT_REACHED	Transaction amount limit has been exceeded, please try after 24 hours.	Wait 24 hours after registration to transact higher amounts.
UPI_221	FIRST_24_HRS_PER_DAY_TXN_LIMIT_REACHED	Cumulative transaction amount limit of all UPI transactions for the day cannot exceed Rs. 5000	Wait 24 hours after registration for higher limits.
UPI_222	FIRST_24_HRS_TXN_FREQUENCY_LIMIT_REACHED	Transaction count limit has been exceeded, please try after 24 hours.	Wait 24 hours before performing more transactions.
UPI_223	TXN_FREQUENCY_LIMIT_REACHED	Transaction count limit has been exceeded, please try after 24 hours.	Wait 24 hours before performing more transactions.
UPI_224	UPI_DEBIT_FAILED	Failed to debit customer account.	Check account status and retry.
UPI_225	UPI_CREDIT_FAILED	Failed to credit customer account.	Check beneficiary account status and retry.
UPI_226	COLLECT_REQUEST_FROM_BLOCKED_ADDRESS	Collect request received from blocked address	Unblock the address or decline the request.
UPI_227	CMID_MISSED	CMID is required for UPI Number Address type	Include CMID in the request for UPI Number address type.
UPI_228	ACCOUNT_NOT_EXIST_OR_DISABLED	Account does not exists or Disabled	Verify the account exists and is enabled.
UPI_229	CRED_MISSED	Cred Block is missing for this Transaction	Include the Cred block in the transaction request.
UPI_230	REQUESTED_VPA_NOT_FOUND_OR_NOT_ACTIVE	Requested vpa not found or not active	Verify the VPA is active.
UPI_231	PRIMARY_ACCOUNT_DOES_NOT_EXIST	Primary Account does not exist	Set a primary account before performing this action.
UPI_232	COLLECT_BLOCK_ACTION_PERFORMED	0 vpa already 1	No action needed; VPA block action already performed.
UPI_233	TRANSACTIONID_ALREADY_EXISTS	Transaction Id already exists	Use a unique transaction ID.
UPI_234	RESP_AUTH_MANDATE_FAILED	Resp Auth Mandate Failed	Retry the mandate authorization.
UPI_235	MANDATE_NOT_FOUND	Mandate not found	Verify the mandate ID and retry.
UPI_236	LIEN_MARK_FAILED	Lien mark failed	Retry the lien marking operation.
UPI_237	MANDATE_ALREADY_DECLINED	Mandate already declined	No action needed; mandate is already declined.
UPI_238	MANDATE_REVOKE_FAILED	Mandate cannot be revoked	Check mandate status; revocation may not be allowed in the current state.
UPI_239	REMOVE_LIEN_FAILED	Remove Lien failed	Retry lien removal.
UPI_240	REMOVE_MANDATE_FAILED	Remove Mandate failed	Retry mandate removal.
UPI_241	DATE_PARSE_ERROR	DATE PARSE ERROR	Provide the date in the correct format.
UPI_242	ACTION_ALREADY_DONE	Action already performed on mandate	No action needed; action is already completed.
UPI_243	MANDATE_AMOUNT_MISMATCH	Mandate amount mismatch for Exact rule	Ensure the mandate amount matches the exact rule amount.
UPI_244	PAUSE_MANDATE_FAILED	Mandate paused failed	Retry pausing the mandate.
UPI_245	MANDATE_IS_PAUSED	Mandate is paused	Unpause the mandate before performing this action.
UPI_246	INVALID_PAYEE_TYPE	Payee type is invalid	Provide a valid payee type.
UPI_247	SELF_ACCOUNT_TRANSACTION_NOT_ALLOWED	Transaction can't be done for the same account number	Use different payer and payee accounts.
UPI_248	MANDATE_ALREADY_PERFORMED	Mandate already performed	No action needed; mandate has already been executed.
UPI_249	VPA_BLOCKED	VPA is blocked	Unblock the VPA or use a different one.
UPI_250	TRANSACTION_ID_ALREADY_PRESENT	Transaction id is already present	Use a unique transaction ID.
UPI_251	COLLECT_TXN_LIMIT_REACHED	Collect cannot be raised for more than 2000.00	Reduce the collect amount to within the limit.
UPI_252	REQ_VALIDATE_QR_FAILED	Request validate QR failed	Retry QR validation.
UPI_253	INTERNATIONAL_NOT_ACTIVE	International is Not Active	Enable international transactions for the profile.
UPI_254	QR_EXPIRED	QR was expired	Generate a new QR code.
UPI_255	RECORD_NOT_FOUND	Record not found	Verify the record details and retry.
UPI_256	MANDATE_BLOCKED	Mandate are not allowed for non-indie accounts	Use an Indie account for mandate operations.
UPI_257	MANDATE_FAILED	Mandate FAILED	Retry the mandate operation.
UPI_258	CHECK_TXN_STATUS_ALLOW	Check the transaction status only before 90 days	Transaction status check is only available for the last 90 days.
UPI_259	INTENT_P2P_TXN_NOT_ALLOWED	Intent based transactions are allowed only for merchants. Please try doing payment from any other payment method.	Use a different payment method for P2P transactions.
UPI_260	NO_MANDATE_FOUND	MANDATE_NOT_FOUND	Verify the mandate details and retry.
UPI_261	LIEN_AMOUNT_NOT_MATCHED	MANDATE_AMOUNT_NOT_MATCHED	Ensure the lien amount matches the mandate amount.
UPI_262	TRANSACTION_NOT_PERMITTED	Transaction Not permitted	Check transaction eligibility and account restrictions.
UPI_263	P2P_COLLECT_NOT_ALLOWED	P2P Collect is not allowed	Use an alternative payment method for P2P.
UPI_264	TENANT_CREATION_FAILED	Tenant creation failed	Retry tenant creation or check configuration.
UPI_265	TENANT_DELETE_FAILED	Tenant deletion failed	Retry tenant deletion.
UPI_266	TRANSACTION_NOT_ALLOWED	Transaction not allowed	Verify transaction permissions and account status.
UPI_267	ACTION_ALREADY_PROCESSED	Action already processed	No action needed; the action has been completed.
UPI_268	ACTION_NOT_ALLOWED	Action can't be allowed	Check action eligibility for the current state.
UPI_269	REFUND_AMOUNT_CHECK	Must be a refund amount lesser than or equal to the original amount	Reduce the refund amount to be within the original transaction amount.
UPI_270	CREDIT_ALREADY_PROCESSED	Credit already processed	No action needed; credit is already completed.
UPI_271	AMOUNT_MISMATCH_REVERSAL	Amount mismatch for debit reversal - Recon	Verify amounts during reconciliation.
UPI_272	MCC_CATEGORY_LIMIT_EXCEEDED	MCC category limit exceeded for category: 0. Current amount: 1 exceeds configured limit: 2	Reduce the transaction amount or wait for the limit reset.

UPI Transaction Finacle Errors

Code	Name	Message	Resolution
162	FINACLE_162	Can't find active Indie account linked to this mobile number	Verify the mobile number is linked to an active Indie account.
342	FINACLE_342	Seems like your account is in closed state	Contact the bank to reopen or use a different account.
GF3	FINACLE_GF3	Seems like your account is in frozen state	Contact the bank to unfreeze the account.
HP2	FINACLE_HP2	Seems like your account is inactive	Reactivate the account through the bank.
IK5	FINACLE_IK5	Seems like your account is inactive	Reactivate the account through the bank.
GB3	FINACLE_GB3	Account does not have sufficient balance	Add funds to the account.
405	FINACLE_405	Transactions are not allowed in this account	Contact the bank regarding account restrictions.
406	FINACLE_406	Transactions are not allowed in this account	Contact the bank regarding account restrictions.
CRC	FINACLE_CRC	Transactions are not allowed in this account	Contact the bank regarding account restrictions.
116	FINACLE_116	Account does not have sufficient balance	Add funds to the account.
119	FINACLE_119	Seems like an Invalid transaction	Verify transaction details and retry.
913	FINACLE_913	Duplicate Transaction Request	Use a unique transaction reference.
91	FINACLE_91	Timeout	Retry the transaction after some time.
902	FINACLE_902	Seems like an Invalid transaction	Verify transaction details and retry.
911	FINACLE_911	Finacle Switch Timeout	Retry the transaction after some time.
907	FINACLE_907	Bank Switch Inoperative	Retry later; bank switch may be down.
111	FINACLE_111	Invalid scheme type	Verify the account scheme type.
114	FINACLE_114	Can't find active Indie account linked to this mobile number	Verify the account number.
115	FINACLE_115	Requested function not supported	Use a supported function.
121	FINACLE_121	Withdrawal amount limit exceeded	Reduce the withdrawal amount.
180	FINACLE_180	Transfer Limit Exceeded	Reduce the transfer amount or wait for limit reset.
185	FINACLE_185	Invalid Currency/Transaction Amount	Verify currency and amount.
188	FINACLE_188	Invalid Rate Currency Combination	Verify the rate and currency combination.
904	FINACLE_904	Format Error	Check the request format.
906	FINACLE_906	Cut-over in progress	Retry after the cut-over process completes.
909	FINACLE_909	System Error	Retry after some time.

UPI Mandate Service Errors (UPI_232 – UPI_255)

Code	Name	Message	Resolution
UPI_232	COLLECT_BLOCK_ACTION_PERFORMED	0 vpa already 1	No action needed; block action already performed.
UPI_234	RESP_AUTH_MANDATE_FAILED	Resp Auth Mandate Failed	Retry mandate authorization.
UPI_235	MANDATE_NOT_FOUND	Mandate not found	Verify the mandate ID.
UPI_236	LIEN_MARK_FAILED	Lien mark failed	Retry lien marking.
UPI_237	MANDATE_ALREADY_DECLINED	Mandate already declined	No action needed.
UPI_238	MANDATE_REVOKE_FAILED	Mandate cannot be revoked	Check mandate state before revoking.
UPI_239	REMOVE_LIEN_FAILED	Remove Lien failed	Retry lien removal.
UPI_240	REMOVE_MANDATE_FAILED	Remove Mandate failed	Retry mandate removal.
UPI_241	DATE_PARSE_ERROR	DATE PARSE ERROR	Provide the date in the correct format.
UPI_242	ACTION_ALREADY_DONE	Action already performed on mandate	No action needed.
UPI_243	MANDATE_AMOUNT_MISMATCH	Mandate amount mismatch for Exact rule	Ensure the amount matches the exact rule.
UPI_244	PAUSE_MANDATE_FAILED	Mandate paused failed	Retry pausing the mandate.
UPI_245	MANDATE_IS_PAUSED	Mandate is paused	Unpause the mandate before proceeding.
UPI_246	INVALID_PAYEE_TYPE	Payee type is invalid	Provide a valid payee type.
UPI_247	SELF_ACCOUNT_TRANSACTION_NOT_ALLOWED	Transaction can't be done for the same account number	Use different accounts for payer and payee.
UPI_248	MANDATE_PAUSE_UNPAUSE_NOT_ALLOWED	Mandate pause/unpause not allowed for DELEGATE	Pause/unpause is not supported for delegate mandates.
UPI_249	ONETIME_MANDATE_PAUSE_UNPAUSE_NOT_ALLOWED	Mandate pause/unpause not allowed for ONETIMEMANDATE	Pause/unpause is not supported for one-time mandates.
UPI_250	MANDATE_ACTION_PERFORMED_WITH_OTHER_BANK	Mandate action cannot be performed with different bank account	Use the same bank account linked to the mandate.
UPI_251	PSP_HAS_BEEN_BLOCKED_FOR_THIS_MANDATE	PSP has been blocked for this mandate	Contact support; PSP is blocked for this mandate.
UPI_252	EXCEEDED_MAX_MANDATE_AMOUNT	Amount exceeded max mandate amount	Reduce the amount to within the mandate limit.
UPI_253	INVALID_DATE	Invalid date	Provide a valid date.
UPI_254	INVALID_DATE_FORMAT	Invalid date format	Use the correct date format.
UPI_255	MANDATE_PAUSED_STATE	Mandate is in paused state	Unpause the mandate before performing this action.
UPI_259	MANDATE_BLOCKED	Mandate are not allowed for other bank accounts	Use an eligible bank account for mandates.
UPI_260	MANDATE_FAILED	Mandate FAILED	Retry the mandate operation.

Bank Aggregator Errors (BAGG_001 – BAGG_039)

Code	Name	Message	Resolution
BAGG_001	ADAPTER_NOT_FOUND	Adapter not implemented	Ensure the correct adapter is configured for the bank.
BAGG_002	AGG_CONFIG_NOT_FOUND	Adapter not implemented	Verify the bank aggregator configuration exists.
BAGG_003	BAL_NOT_FOUND	Balance not found	Verify the account and retry balance inquiry.
BAGG_004	PIN_CONFIGS_NOT_FOUND	Pin Configs not found in Bank Aggregator Configuration	Add PIN configurations in the bank aggregator settings.
BAGG_005	INVALID_PIN_BLOCK	Invalid Pin Block	Provide a valid PIN block.
BAGG_006	ENCRYPT_PIN_FAILED	Set Pin failed	Retry PIN encryption.
BAGG_007	SET_PIN_FAILED	Set Pin failed	Retry setting the PIN.
BAGG_008	VALIDATE_PIN_FAILED	Validate Pin failed	Verify the PIN and retry.
BAGG_009	NO_ACCOUNT_FOUND	No account exists for the customer	Register an account for the customer.
BAGG_010	ACCOUNT_NOT_FOUND	Account not found	Verify the account details.
BAGG_011	INVALID_ACCOUNT_NO	Invalid Account number	Provide a valid account number.
BAGG_012	TRANSACTION_INQUIRY_FAILED	TRANSACTION INQUIRY FAILED	Retry the transaction inquiry.
BAGG013	INVALID_CHANNEL_CODE	Invalid Channel Code	Provide a valid channel code.
BAGG014	INVALID_AADHAAR_TOKEN	Invalid Aadhaar Token	Provide a valid Aadhaar token.
BAGG015	EXCEPTION_FROM_CLIENT_SIDE	Exception from Client Side	Check the client request and retry.
BAGG016	REVERSAL_ALREADY_DONE	REVERSAL IS ALREADY DONE	No action needed; reversal is already completed.
BAGG017	FUND_TRANSFER_FAILED	Fund Transfer failed	Retry the fund transfer.
BAGG018	PIN_ENCRYPTION_FAILED	PIN Encryption Failed	Retry PIN encryption; check encryption keys.
BAGG019	INVALID_TYPE_VALIDATE_CARD	Invalid 'type' field!	Provide a valid type field for card validation.
BAGG020	TRANSACTION_NOT_PERMITTED	Transaction not permitted	Check transaction permissions.
BAGG021	EXCEPTION_SESSION_KEY	Exception in ysc card validation	Retry card validation; check session key.
BAGG022	TENANT_CREATION_FAILED	Tenant creation failed	Retry tenant creation.
BAGG023	TENANT_DELETE_FAILED	Tenant deletion failed	Retry tenant deletion.
BAGG024	EXTERNAL_AUTH_PAYMENT_FAILED	External auth payment failed	Retry the external authentication payment.
BAGG025	BAL_INQ_FAILURE	Balance Inquire Failed	Retry balance inquiry.
BAGG026	VALIDATE_CARD_FAILURE	Validate Card Api Call Failed	Retry card validation API call.
BAGG027	AUTH_TOKEN_GEN_FAILURE	Auth Token Generation Failed	Retry auth token generation; check credentials.
BAGG028	ACCOUNT_INQ_FAILURE	Account Inquire Failed	Retry account inquiry.
BAGG029	CARDDETAILS_ALREADY_EXISTS	Card Details already exists	No action needed; card details are already present.
BAGG030	VAULT_TOKEN_FAILED	Fetch token from vault failed	Retry fetching the token from vault.
BAGG031	VAULT_VALUE_FAILED	Fetch value from vault failed	Retry fetching the value from vault.
BAGG_032	CARD_NOT_FOUND	Card not found	Verify the card details.
BAGG_033	UNSUPPORTED_OPERATION	Unsupported Operation : 0	Use a supported operation.
BAGG_035	INVALID_FILE_FORMAT	Invalid file format	Provide a file in a supported format.
BAGG_037	READ_TIMEOUT	Read timeout while processing request	Retry the request; check network connectivity.
BAGG_038	CONNECT_TIMEOUT	Connection timeout while processing request	Retry the request; check server availability.
BAGG_039	EXCEPTION_PROCESSING_REQUEST	Exception occurred while processing the request	Check request details and retry.

Bank Aggregator Finacle Errors

Code	Name	Message	Resolution
913	FINACLE_913	Duplicate Transaction Request ::913	Use a unique transaction reference.
116	FINACLE_116	Insufficient Balance ::116	Add funds to the account.
91	FINACLE_91	Timeout ::91	Retry after some time.
902	FINACLE_902	Invalid Transaction ::902	Verify transaction details.
911	FINACLE_911	Finacle Switch Timeout ::911	Retry after some time.
907	FINACLE_907	Bank Switch Inoperative ::907	Retry later; bank switch may be down.
111	FINACLE_111	Invalid scheme type ::111	Verify the account scheme type.
114	FINACLE_114	Invalid account number ::114	Provide a valid account number.
115	FINACLE_115	Requested function not supported ::115	Use a supported function.
119	FINACLE_119	Transaction not permitted ::119	Check transaction permissions.
121	FINACLE_121	Withdrawal amount limit exceeded ::121	Reduce the withdrawal amount.
180	FINACLE_180	Transfer Limit Exceeded ::180	Reduce the transfer amount.
185	FINACLE_185	Invalid Currency/Transaction Amount ::185	Verify currency and amount.
188	FINACLE_188	Invalid Rate Currency Combination ::188	Verify rate and currency combination.
904	FINACLE_904	Format Error ::904	Check the request format.
906	FINACLE_906	Cut-over in progress ::906	Retry after cut-over completes.
909	FINACLE_909	System Error ::909	Retry after some time.
162	FINACLE_162	Account does not exist	Verify the account number.
342	FINACLE_342	Account is closed	Use a different active account.
GF3	FINACLE_GF3	Account is frozen	Contact the bank to unfreeze the account.
HP2	FINACLE_HP2	Debit account is dormant or inactive	Reactivate the account.
IK5	FINACLE_IK5	Credit account is dormant or inactive	Reactivate the credit account.
GB3	FINACLE_GB3	INSUFFICIENT FUNDS IN CUSTOMER (REMITTER) ACCOUNT	Add funds to the remitter account.
405	FINACLE_405	Non INR credit account is not allowed	Use an INR credit account.
406	FINACLE_406	Credit NOT CASA/OD ACCOUNT	Use a CASA or OD account for credit.
CRC	FINACLE_CRC	Credit not allowed/NRE account	Use a non-NRE account.

BSG (Bank Switch Gateway) Errors

Code	Name	Message	Resolution
Z9	BSG_51 / CREDIT_Z9	INSUFFICIENT FUNDS IN CUSTOMER (REMITTER) ACCOUNT	Add funds to the remitter account.
B3	BSG_06_01 / CREDIT_B3	TRANSACTION NOT PERMITTED TO THE ACCOUNT	Check account restrictions.
XY	BSG_XY	REMITTER CBS OFFLINE	Retry later; remitter CBS is offline.
Y1	BSG_Y1	BENEFICIARY CBS OFFLINE	Retry later; beneficiary CBS is offline.
IR	BSG_IR	UNABLE TO PROCESS DUE TO INTERNAL EXCEPTION AT SERVER/CBS/ETC ON REMITTER SIDE	Retry later; internal exception on remitter side.
UB	BSG_UB	UNABLE TO PROCESS DUE TO INTERNAL EXCEPTION AT SERVER/CBS/ETC ON BENEFICIARY SIDE	Retry later; internal exception on beneficiary side.
DF	BSG_94_BENE	DUPLICATE RRN FOUND IN THE TRANSACTION (BENEFICIARY)	Use a unique RRN.
DT	BSG_94_REM	DUPLICATE RRN FOUND IN THE TRANSACTION (REMITTER)	Use a unique RRN.
ZY	BSG_M5_BENE	INACTIVE OR DORMANT ACCOUNT (BENEFICIARY)	Reactivate the beneficiary account.
ZX	BSG_M5_REM	INACTIVE OR DORMANT ACCOUNT (REMITTER)	Reactivate the remitter account.
YF	BSG_M3_BENE	BENEFICIARY ACCOUNT BLOCKED/FROZEN	Contact the bank to unblock the beneficiary account.
YE	BSG_M3_REM	REMITTING ACCOUNT BLOCKED/FROZEN	Contact the bank to unblock the remitter account.
XI	BSG_M1_BENE / CREDIT_XH_BENE	ACCOUNT DOES NOT EXIST (BENEFICIARY)	Verify the beneficiary account number.
XH	BSG_M1_REM / CREDIT_XH_REM	ACCOUNT DOES NOT EXIST (REMITTER)	Verify the remitter account number.
XS	CREDIT_XR_BENE	RESTRICTED CARD, DECLINE (BENEFICIARY)	Contact the bank regarding card restrictions.
XR	CREDIT_XR_REM	RESTRICTED CARD, DECLINE (REMITTER)	Contact the bank regarding card restrictions.
K1	FRM_DECLINE	SUSPECT FRAUD	Transaction declined due to suspected fraud; contact support.

Circuit Breaker Errors (CB_001 – CB_007)

Code	Name	Message	Resolution
CB_001	CIRCUIT_BREAKER_FALLBACK_GENERAL_ACCOUNT_ENQUIRY	TURING CBS IS DOWN	Retry later; CBS is currently unavailable.
CB_002	CIRCUIT_BREAKER_CONFIG_NOT_FOUND	Circuit Breaker Config Not Found For This Tenant	Configure circuit breaker settings for the tenant.
CB_003	CIRCUIT_DOES_NOT_PERMIT_CALLS	Circuit Breaker Does Not Permit Further Call	Wait for the circuit breaker to reset.
CB_004	CB_CONFIG_CREATION_FAILED	Circuit Breaker Config Creation Failed	Retry circuit breaker configuration creation.
CB_005	CB_CONFIG_UPDATE_FAILED	Circuit Breaker Config Update Failed	Retry circuit breaker configuration update.
CB_006	CB_CONFIG_NOT_FOUND	Circuit Breaker Config Not Found	Create the circuit breaker configuration.
CB_007	INTERNAL_DB_QUERY_ERROR	Internal error due to DB query failure	Check database connectivity and retry.

Account & User Errors

Code	Name	Message	Resolution
M2P_011	MOBILE_IS_BLOCKED	Mobile Is Blocked	Contact support to unblock the mobile number.
ACC001	ACCOUNT_SAVE_FAILED	ACCOUNT_SAVE_FAILED in DB	Retry account save; check database connectivity.
ACC002	USER_BLOCKED	USER IS ALREADY BLOCKED/UNBLOCKED	No action needed; user is already in the requested state.
ACC003	USER_ACCOUNT_NOT_FOUND	USER ACCOUNT NOT FOUND TO UNBLOCK/BLOCK	Verify the user account details.
ACC004	INVALID_BLOCKED_DATA	Status Field IS INVALID	Provide a valid status field value.
INV001	INVALID_REQUEST	INVALID_REQUEST Received	Verify request payload and parameters.

Dynamic Placeholders

Error codes with {0}, {1}, {2} placeholders indicate dynamic values that are substituted at runtime with contextual information such as VPA names, account numbers, amounts, or action types.

M2P Platform Error Codes