Documentation

Outgoing Realtime Transfers

You may send Realtime transfers to any eligible counterparty 24/7/365. We take care of routing your transfer over FedNow or the Real Time Payments Network given the payment rails a receiving institution supports and the amount you are sending.

Create Your Counterparty

You can find Realtime eligible routing numbers using our Financial Institutions endpoint. When sending any outgoing transfer you must create counterparties with the banking information of your beneficiary. For Realtime transfers, at a minimum, you must include:

  • routing_number: a valid ABA of the beneficiary bank
  • account_number: a valid account number for the beneficiary
  • name: the name of the beneficiary to which you are sending funds
curl https://api.column.com/counterparties \
  -XPOST \
  -u :<YOUR API KEY> \
  -d routing_number="121145307" \
  -d account_number="123456787654321" \
  -d description="realtime counterparty" \
  -d name="Oliver Hockey"

Send Your Transfer

We take care of routing your payment over FedNow or RTP. Your transfer will be initiated immediately. We recommend you include a unique end_to_end_id that is made visible to your counterparty so they can identify the payment.

curl 'https://api.column.com/transfers/realtime' \
  -XPOST \
  -u :<YOUR API KEY> \
  -d description="outgoing realtime transfer" \
  -d amount=10000 \
  -d currency_code="USD" \
  -d bank_account_id="<bank_account_id>" \
  -d counterparty_id="<counterparty_id>"
  -d end_to_end_id="INVOICE-XYZ"

Outgoing Transfer Rejections

An outgoing Realtime transfer will go from initiated to completed if successful. It's possible your outgoing Realtime transfer is rejected by the Network or the receiving institution. See Notifications and States for more details on Realtime transfer states.

Realtime Rejection Codes

Realtime transfers may be rejected after submitting them for processing to the Federal Reserve or The Clearing House. Fields rejection_code and rejection_code_description will provide information about why the transfer is rejected. Below is the full list of rejection codes along with their descriptions:

  • AB01 Clearing process aborted due to timeout.
  • AB02 Clearing process aborted due to a fatal error.   
  • AB03 Settlement aborted due to timeout.   
  • AB04 Settlement process aborted due to a fatal error.   
  • AB05 Transaction stopped due to timeout at the Creditor Agent.
  • AB06 Transaction stopped due to timeout at the Instructed Agent.
  • AB07 Agent of message is not online. Generic usage if it cannot be determined who exactly is not online.
  • AB08 Creditor Agent is not online.
  • AB09 Transaction stopped due to error at the Creditor Agent.
  • AB10 Transaction stopped due to error at the Instructed Agent.
  • AB11 Transaction stopped due to timeout at the Debtor Agent.
  • AC01 Account number is invalid or missing.
  • AC02 Debtor account number invalid or missing
  • AC03 Creditor account number invalid or missing
  • AC04 Account number specified has been closed on the bank of account's books.
  • AC05 Debtor account number closed
  • AC06 Account specified is blocked, prohibiting posting of transactions against it.
  • AC07 Creditor account number closed
  • AC08 Branch code is invalid or missing
  • AC09 Account currency is invalid or missing
  • AC10 Debtor account currency is invalid or missing
  • AC11 Creditor account currency is invalid or missing
  • AC12 Account type missing or invalid. Generic usage if cannot specify between group and payment information levels
  • AC13 Debtor account type missing or invalid
  • AC14 Creditor account type missing or invalid
  • AC15 The account details for the counterparty have changed.
  • AC16 Credit or debit card number is invalid.
  • AG01 Transaction forbidden on this type of account (formerly NoAgreement)
  • AG02 Bank Operation code specified in the message is not valid for receiver
  • AG03 Transaction type not supported/authorized on this account
  • AG04 Agent country code is missing or invalid. Generic usage if cannot specify between group and payment information levels.
  • AG05 Debtor agent country code is missing or invalid
  • AG06 Creditor agent country code is missing or invalid
  • AG07 Debtor account cannot be debited for a generic reason. Code value may be used in general purposes and as a replacement for AM04 if debtor bank does not reveal its customer's insufficient funds for privacy reasons
  • AG08 Transaction failed due to invalid or missing user or access right
  • AG09 Original payment never received.
  • AG10 Agent of message is suspended from the Real Time Payment system. Generic usage if it cannot be determined who exactly is suspended.
  • AG11 Creditor Agent of message is suspended from the Real Time Payment system.
  • AG12 Payment orders made by transferring funds from one account to another at the same financial institution (bank or payment institution) are not allowed.
  • AG13 Returned payments derived from previously returned transactions are not allowed.
  • AGNT Agent in the payment workflow is incorrect
  • AM01 Specified message amount is equal to zero
  • AM02 Specific transaction/message amount is greater than allowed maximum
  • AM03 Specified message amount is an non processable currency outside of existing agreement
  • AM04 Amount of funds available to cover specified message amount is insufficient.
  • AM05 Duplication
  • AM06 Specified transaction amount is less than agreed minimum.
  • AM07 Amount specified in message has been blocked by regulatory authorities.
  • AM09 Amount received is not the amount agreed or expected
  • AM10 Sum of instructed amounts does not equal the control sum.
  • AM11 Transaction currency is invalid or missing
  • AM12 Amount is invalid or missing
  • AM13 Transaction amount exceeds limits set by clearing system
  • AM14 Transaction amount exceeds limits agreed between bank and client
  • AM15 Transaction amount below minimum set by clearing system
  • AM16 Control Sum at the Group level is invalid
  • AM17 Control Sum at the Payment Information level is invalid
  • AM18 Number of transactions is invalid or missing. Generic usage if cannot specify between group and payment information levels.
  • AM19 Number of transactions at the Group level is invalid or missing
  • AM20 Number of transactions at the Payment Information level is invalid
  • AM21 Transaction amount exceeds limits agreed between bank and client.
  • AM22 Unable to apply zero amount to designated account. For example, where the rules of a service allow the use of zero amount payments, however the back-office system is unable to apply the funds to the account. If the rules of a service prohibit the use of zero amount payments, then code AM01 is used to report the error condition.
  • AM23 Transaction amount exceeds settlement limit.
  • BE01 Identification of end customer is not consistent with associated account number. (formerly CreditorConsistency).
  • BE04 Specification of creditor's address, which is required for payment, is missing/not correct (formerly IncorrectCreditorAddress).
  • BE05 Party who initiated the message is not recognised by the end customer
  • BE06 End customer specified is not known at associated Sort/National Bank Code or does no longer exist in the books
  • BE07 Specification of debtor's address, which is required for payment, is missing/not correct.
  • BE08 Debtor name is missing
  • BE09 Country code is missing or Invalid. Generic usage if cannot specifically identify debtor or creditor
  • BE10 Debtor country code is missing or invalid
  • BE11 Creditor country code is missing or invalid
  • BE12 Country code of residence is missing or Invalid. Generic usage if cannot specifically identify debtor or creditor
  • BE13 Country code of debtor's residence is missing or Invalid
  • BE14 Country code of creditor's residence is missing or Invalid
  • BE15 Identification code missing or invalid. Generic usage if cannot specifically identify debtor or creditor.
  • BE16 Debtor or Ultimate Debtor identification code missing or invalid
  • BE17 Creditor or Ultimate Creditor identification code missing or invalid
  • BE18 Contact details missing or invalid
  • BE19 Charge bearer code for transaction type is invalid
  • BE20 Name length exceeds local rules for payment type.
  • BE21 Name missing or invalid. Generic usage if cannot specifically identify debtor or creditor.
  • BE22 Creditor name is missing
  • BE23 Phone number or email address, or any other proxy, used as the account proxy is unknown or invalid.
  • CERI Credit transfer is not tagged as an Extended Remittance Information (ERI) transaction but contains ERI.
  • CH03 Value in Requested Execution Date or Requested Collection Date is too far in the future
  • CH04 Value in Requested Execution Date or Requested Collection Date is too far in the past
  • CH07 Element is not to be used at B- and C-Level
  • CH09 Mandate changes are not allowed
  • CH10 Information on mandate changes are missing
  • CH11 Value in Creditor Identifier is incorrect
  • CH12 Creditor Identifier is ambiguous at Transaction Level
  • CH13 Original Debtor Account is not to be used
  • CH14 Original Debtor Agent is not to be used
  • CH15 Content Remittance Information/Structured includes more than 140 characters
  • CH16 Content is incorrect
  • CH17 Element is not allowed
  • CH19 Values in Interbank Settlement Date or Requested Collection Date will be set to the next TARGET day
  • CH20 Number of decimal points not compatible with the currency
  • CH21 Mandatory element is missing
  • CH22 SDD CORE and B2B not permitted within one message
  • CHQC Cheque has been presented in cheque clearing and settled on the creditor’s account.
  • CNOR Creditor bank is not registered under this BIC in the CSM
  • CURR Currency of the payment is incorrect
  • CUST Cancellation requested by the Debtor
  • DNOR Debtor bank is not registered under this BIC in the CSM
  • DS01 The electronic signature(s) is/are correct
  • DS02 An authorized user has cancelled the order
  • DS03 The user’s attempt to cancel the order was not successful
  • DS04 The order was rejected by the bank side (for reasons concerning content)
  • DS05 The order was correct and could be forwarded for postprocessing
  • DS06 The order was transferred to VEU
  • DS07 All actions concerning the order could be done by the EBICS bank server
  • DS08 The decompression of the file was not successful
  • DS09 The decryption of the file was not successful
  • DS0A Data signature is required.
  • DS0B Data signature for the format is not available or invalid.
  • DS0C The signer certificate is revoked.
  • DS0D The signer certificate is not valid (revoked or not active).
  • DS0E The signer certificate is not present.
  • DS0F The authority of the signer certification sending the certificate is unknown.
  • DS0G Signer is not allowed to sign this operation type.
  • DS0H Signer is not allowed to sign for this account.
  • DS0K The number of transaction is over the number allowed for this signer.
  • DS10 The certificate is revoked for the first signer.
  • DS11 The certificate is not valid (revoked or not active) for the first signer.
  • DS12 The certificate is not present for the first signer.
  • DS13 The authority of signer certification sending the certificate is unknown for the first signer.
  • DS14 The user is unknown on the server
  • DS15 The same signature has already been sent to the bank
  • DS16 The public key version is not correct. This code is returned when a customer sends signature files to the financial institution after conversion from an older program version (old ES format) to a new program version (new ES format) without having carried out re-initialisation with regard to a public key change.
  • DS17 Order data and signatures don’t match
  • DS18 File cannot be tested, the complete order has to be repeated. This code is returned in the event of a malfunction during the signature check, e.g. not enough storage space.
  • DS19 The user’s rights (concerning his signature) are insufficient to execute the order
  • DS20 The certificate is revoked for the second signer.
  • DS21 The certificate is not valid (revoked or not active) for the second signer.
  • DS22 The certificate is not present for the second signer.
  • DS23 The authority of signer certification sending the certificate is unknown for the second signer.
  • DS24 Waiting time expired due to incomplete order
  • DS25 The order file was deleted by the bank server (for multiple reasons)
  • DS26 The same user has signed multiple times
  • DS27 The user is not yet activated (technically)
  • DT01 Invalid date (eg, wrong or missing settlement date)
  • DT02 Invalid creation date and time in Group Header (eg, historic date)
  • DT03 Invalid non bank processing date (eg, weekend or local public holiday)
  • DT04 Future date not supported
  • DT05 Associated message, payment information block or transaction was received after agreed processing cut-off date, i.e., date in the past.
  • DT06 Execution Date has been modified in order for transaction to be processed
  • DU01 Message Identification is not unique.
  • DU02 Payment Information Block is not unique.
  • DU03 Transaction is not unique.
  • DU04 End To End ID is not unique.
  • DU05 Instruction ID is not unique.
  • DUPL Payment is a duplicate of another payment
  • ED01 Correspondent bank not possible.
  • ED03 Balance of payments complementary info is requested
  • ED05 Settlement of the transaction has failed.
  • ED06 Interbank settlement system not available.
  • ERIN Extended Remittance Information (ERI) option is not supported.
  • FF01 File Format incomplete or invalid
  • FF02 Syntax error reason is provided as narrative information in the additional reason information.
  • FF03 Payment Type Information is missing or invalid. Generic usage if cannot specify Service Level or Local Instrument code
  • FF04 Service Level code is missing or invalid
  • FF05 Local Instrument code is missing or invalid
  • FF06 Category Purpose code is missing or invalid
  • FF07 Purpose is missing or invalid
  • FF08 End to End Id missing or invalid
  • FF09 Cheque number missing or invalid
  • FF10 File or transaction cannot be processed due to technical issues at the bank side
  • FF11 Clearing request rejected due it being subject to an abort operation.
  • G000 In an FI To FI Customer Credit Transfer: The Status Originator transferred the payment to the next Agent or to a Market Infrastructure. The payment transfer is tracked. No further updates will follow from the Status Originator. In a Financial Institution Credit Transfer with cover: The Status Originator performed the account booking and transferred the cover transaction to the next Reimbursement Agent or to a Market Infrastructure. The payment transfer is tracked. No further updates will follow from the Status Originator.
  • G001 In an FI To FI Customer Credit Transfer: The Status Originator transferred the payment to the next Agent or to a Market Infrastructure. The payment transfer is not tracked. No further updates will follow from the Status Originator. In a Financial Institution Credit Transfer with cover: The Status Originator performed the account booking and transferred the cover transaction to the next Reimbursement Agent or to a Market Infrastructure. The payment transfer is not tracked. No further updates will follow from the Status Originator.
  • G002 In a FIToFI Customer Credit Transfer: Credit to the creditor’s account may not be confirmed same day. Update will follow from the Status Originator. In a Financial Institution Credit Transfer with cover: Debit/credit to nostro account may not be confirmed same day or Financial Institution Credit Transfer may not be transferred same day. Update will follow from the Status Originator.
  • G003 In a FIToFI Customer Credit Transfer: Credit to creditor’s account is pending receipt of required documents. The Status Originator has requested creditor to provide additional documentation. Update will follow from the Status Originator. In a Financial Institution Credit Transfer with cover: Status Originator has requested a previous Agent to provide additional information/correct information. Update will follow from the Status Originator.
  • G004 In a FIToFI Customer Credit Transfer: Credit to the creditor’s account is pending, status Originator is waiting for funds provided via a cover. Update will follow from the Status Originator.
  • G005 Payment has been delivered to creditor agent with service level.
  • G006 Payment has been delivered to creditor agent without service level.
  • ID01 Signature file was sent to the bank but the corresponding original file has not been sent yet.
  • MD01 No Mandate
  • MD02 Mandate related information data required by the scheme is missing.
  • MD05 Creditor or creditor's agent should not have collected the direct debit
  • MD06 Return of funds requested by end customer
  • MD07 End customer is deceased.
  • MS02 Reason has not been specified by end customer
  • MS03 Reason has not been specified by agent.
  • NARR Reason is provided as narrative information in the additional reason information.
  • NERI Credit transfer is tagged as an Extended Remittance Information (ERI) transaction but does not contain ERI.
  • RC01 Bank identifier code specified in the message has an incorrect format (formerly IncorrectFormatForRoutingCode).
  • RC02 Bank identifier is invalid or missing. Generic usage if cannot specify between debit or credit account
  • RC03 Debtor bank identifier is invalid or missing
  • RC04 Creditor bank identifier is invalid or missing
  • RC05 BIC identifier is invalid or missing. Generic usage if cannot specify between debit or credit account.
  • RC06 Debtor BIC identifier is invalid or missing
  • RC07 Creditor BIC identifier is invalid or missing
  • RC08 ClearingSystemMemberidentifier is invalid or missing. Generic usage if cannot specify between debit or credit account
  • RC09 Debtor ClearingSystemMember identifier is invalid or missing
  • RC10 Creditor ClearingSystemMember identifier is invalid or missing
  • RC11 Intermediary Agent is invalid or missing
  • RC12 Creditor Scheme Id is invalid or missing
  • RCON Conflict with R-Message
  • RECI Further information regarding the intended recipient.
  • RF01 Transaction reference is not unique within the message.
  • RR01 Specification of the debtor’s account or unique identification needed for reasons of regulatory requirements is insufficient or missing
  • RR02 Specification of the debtor’s name and/or address needed for regulatory requirements is insufficient or missing.
  • RR03 Specification of the creditor’s name and/or address needed for regulatory requirements is insufficient or missing.
  • RR04 Regulatory Reason
  • RR05 Regulatory or Central Bank Reporting information missing, incomplete or invalid.
  • RR06 Tax information missing, incomplete or invalid.
  • RR07 Remittance information structure does not comply with rules for payment type.
  • RR08 Remittance information truncated to comply with rules for payment type.
  • RR09 Structured creditor reference invalid or missing.
  • RR10 Character set supplied not valid for the country and payment type.
  • RR11 Invalid or missing identification of a bank proprietary service.
  • RR12 Invalid or missing identification required within a particular country or payment type.
  • S000 Request for Cancellation is acknowledged following validation.
  • S001 Unique End-to-end Transaction Reference (UETR) relating to a payment has been identified as being associated with a Request for Cancellation.
  • S002 Unique End-to-end Transaction Reference (UETR) relating to a payment has been prevent from traveling across a messaging network.
  • S003 Request for Cancellation has been forwarded to the payment processing/last payment processing agent.
  • S004 Request for Cancellation has been acknowledged as delivered to payment processing/last payment processing agent.
  • SL01 Due to specific service offered by the Debtor Agent.
  • SL02 Due to specific service offered by the Creditor Agent.
  • SL03 Due to a specific service offered by the clearing system.
  • SL11 Whitelisting service offered by the Debtor Agent; Debtor has not included the Creditor on its “Whitelist” (yet). In the Whitelist the Debtor may list all allowed Creditors to debit Debtor bank account.
  • SL12 Blacklisting service offered by the Debtor Agent; Debtor included the Creditor on his “Blacklist”. In the Blacklist the Debtor may list all Creditors not allowed to debit Debtor bank account.
  • SL13 Due to Maximum allowed Direct Debit Transactions per period service offered by the Debtor Agent.
  • SL14 Due to Maximum allowed Direct Debit Transaction amount service offered by the Debtor Agent.
  • TA01 The transmission of the file was not successful – it had to be aborted (for technical reasons)
  • TD01 There is no data available (for download)
  • TD02 The file cannot be read (e.g. unknown format)
  • TD03 The file format is incomplete or invalid
  • TK01 Token is invalid.
  • TK02 Token used for the sender does not exist.
  • TK03 Token used for the receiver does not exist.
  • TK09 Token required for request is missing.
  • TKCM Token found with counterparty mismatch.
  • TKSG Single Use Token already used.
  • TKSP Token found with suspended status.
  • TKVE Token found with value limit rule violation.
  • TKXP Token expired.
  • TM01 Associated message, payment information block, or transaction was received after agreed processing cut-off time.
  • TS01 The (technical) transmission of the file was successful.
  • TS04 The order was transferred to pass by accompanying note signed by hand
  • CN01 Authorisation is cancelled.
  • FOCR Return following a cancellation request.
  • FR01 Returned as a result of fraud.
  • NOCM Customer account is not compliant with regulatory requirements, for example FICA (in South Africa) or any other regulatory requirements which render an account inactive for certain processing.
  • NOAS No response from Beneficiary.
  • RUTA Return following investigation request and no remediation possible.
  • UPAY Payment is not justified.