Response Codes

The Direct Debit API returns standard responses and error codes across all requests. Refer to the tables below for message descriptions, status codes, and recommended actions.

Standard Response Codes

Message	Response Status Code
Success	00
Payment Facilitator Not Active	90
Payment Facilitator or Merchant is Not Active	99
Total allowed debit amount cannot be exceeded	31
Mandate is not valid	48
Transaction denied: The total allowed debit amount has been exceeded for this mandate	90
Transaction category code does not match the mandate's Transaction category code	54
Currency code does not match the mandate's Currency code	90
Merchant id does not match the mandate's Merchant id	90
Invalid amount. Amount should be in minor and not less than N1 i.e 100	13
Invalid amount per debit for this mandate	13
Transaction reference already exists	32
Transaction type cannot be null or empty	53
Invalid transaction type passed.	53
Invalid Callback Url	53
There is a pending transaction for this mandate reference	99

Error Messages and Actions

Message	Description	Action
Mandate start date cannot be in the past	The start date was set earlier than the current time	Adjust to a future or current date
Unable to validate account information	Account name validation failed	Confirm account number and bank code
Unable to find bank against customerAccountBankCode	The supplied bank code is invalid or not supported	Reconfirm with approved CBN bank codes
Mandate with provided mandate reference already exists	The same reference was used before	Retry with a unique mandateReference

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