When a charge is declined, the response includes a declined_reason (platform-level code) and a declined_reason_rail (banking network code). Both are also present in SFTP response files.
These codes are set by the Monato platform before a charge reaches the banking network.
| Code | Description | Recommended Action |
|---|---|---|
insufficient_funds | The customer's account does not have enough funds to cover the charge. | Retry at a later date or contact the customer. |
account_blocked | The account is blocked for direct debit charges. See the bank error code for the specific reason. | Check the declined_reason_rail code for detail. Do not retry without resolving the underlying account issue. |
risk_engine | The charge was rejected by the Monato risk engine. | Review the charge details. Contact Monato support if the rejection appears incorrect. |
undetermined | The platform could not determine a specific decline reason. See the bank error code for detail. | Check the declined_reason_rail code for the bank's response. |
These codes are returned by the Mexican banking network (SPEI / Domiciliación Bancaria) and appear in the declined_reason_rail field.
| Code | Description |
|---|---|
| 01 | Cuenta inexistente — Account does not exist |
| 02 | Cuenta bloqueada — Account is blocked |
| 03 | Cuenta cancelada — Account is cancelled |
| 04 | Cuenta con insuficiencia de fondos — Insufficient funds |
| 05 | Cuenta en otra divisa — Account is in a different currency |
| 06 / 6 | Cuenta no pertenece al banco receptor — Account does not belong to the receiving bank |
| 07 / 7 | Transacción duplicada — Duplicate transaction |
| 08 | Por orden del cliente: Orden de no pagar a ese Emisor — Customer instructed bank not to pay this issuer |
| 08 | Baja por oficina — Deregistered by branch |
| 09 | Por orden del cliente: Importe mayor al autorizado — Amount exceeds the amount authorised by the customer |
| 10 | Por orden del cliente: Cancelación del servicio — Customer cancelled the service |
| 10 | Domiciliación dada de baja — Direct debit mandate deregistered |
| 11 | Cliente no tiene autorizado el servicio — Customer has not authorised the service |
| 11 | Domiciliación dada de baja — Direct debit mandate deregistered |
| 12 | Vencimiento de la Orden de Pago en Ventanilla — Payment order expired |
| 13 | Cliente desconoce el cargo — Customer does not recognise the charge |
| 19 | Tipo de cuenta no admite domiciliaciones — Account type does not support direct debit |
| 20 | Indomiciliado — Not enrolled for direct debit |
| 22 | Domiciliación ya existe — Direct debit already exists (affiliation response) |
| 23 | Baja por oficina — Deregistered by branch |
| 24 | No se procesó CARGO/ABONO a empresa — Charge/credit to company was not processed |
| 25 | Todas las domiciliaciones de la cuenta fueron dadas de baja — All direct debits on the account were deregistered |
| 26 | Domiciliación dada de baja — Direct debit mandate deregistered |
| 27 | El importe actual supera al importe original o viceversa — Current amount exceeds or is less than the original amount |
| 28 | Banco no válido o no participante — Invalid or non-participating bank |
| 29 | Banco no válido o no participante — Invalid or non-participating bank |
| 30 | Domiciliación no realizada — Direct debit not executed |
| 31 | Entidad no válida — Invalid entity |
| 32 | Error no específico de red interbancaria — Non-specific interbank network error |
| 33 | Monto cobrado excede límite configurado — Charged amount exceeds configured limit |
| 36 | Domiciliación no realizada por error general — Direct debit not executed due to general error |
| 46 | Cuenta del receptor inválida — Invalid recipient account |
| 88 | Cuenta bloqueada — Account is blocked |
| 91 | Error no específico de red interbancaria — Non-specific interbank network error |