Microbilt API Error Codes

Below is a table of potential error codes originating from Microbilt and an explanation of what they mean

Format errors: a problem with the information input. Generally correctable at the user level.
System Error: problem originates from an external source such as with government entities.
Merchant requirement: problem originates with merchant information being incorrect or missing.

Code Number	Definition	Decision Description
1	Invalid bank routing number.	Format error
2	Invalid bank account number or account number is suspicious.	Format error
3	OFAC warning / error - misc. errors	System error
3a	Requested merchant stop - customer has requested processing be deactivated for merchant.	Format error
3b	Customer MICR stop - customer has requested this bank routing and account number be declined. Will not effect the whole database.	Format error
10a	Invalid driver's license format	Format error
10b	Driver's license required / not on file	Merchant requirement
11a	Invalid telephone number	Format error
11b	Phone number required or missing	Merchant requirement
12	Amount exceeds set limits	Exceed merchant limits
13	Amount exceeds limits set for last 24 hours	Exceed merchant limits
14	Amount exceeds limits set for set amount of days	Exceed merchant limits
15	Check number is lower than the minimum check number allowed	Exceed merchant limits
16	Duplicate transaction detected	Exceed merchant limits
4	Customer has unpaid item(s) with at least one item reported as R02 (Account Closed), R03 (No Account), or R04 (Invalid Account Number)	Unpaid returns
5	Customer has unpaid item(s) with at least one item reported as R05 (Reserved), R07 (Authorization Revoked), R10 (Not Authorized), R29 (Corporate Customer Advises Not Authorized), or R51 (Item Inteligble)	Unpaid returns
6	Customer has recent unpaid return item(s). The reason for the return is suspicious	Unpaid returns
7	Customer has unpaid return item(s). Returns are not recent but the reason for the return is suspicious.	Unpaid returns
8	Customer has 1 known unpaid item, other history is positive.	Unpaid returns
9	Customer has multiple unpaid items.	Unpaid returns
17	Reported history of R02 (Account Closed)	Risk Warning
18	Reported history of R03 (No Account) in the last 12 months.	Risk Warning
19	Reported history of R04 (Invalid Account Number) in the last 12 months.	Risk Warning
20	Reported history of R05 (Reserved) in the last 12 months	Risk Warning
21	Reported history of R07 (Authorization Revoked) in the last 12 months.	Risk Warning
22	Reported history of R10 (Not Authorized) in the last 12 months.	Risk Warning
23	Reported history of R29 (Corporate Customer Advised Not Authorized) in the last 12 months.	Risk Warning
24	Reported history of R51 (Item Ineligible) in the last 12 months.	Risk warning
25	History of returns. No current unpaid items.	Risk Warning
26	Possible Non DDA Account. Essentially means account number is wrong, or doesn't accept transactions in or out.	No ACH