Commonly appearing error messages during AePS transactions

Responsible
Error Message Possible Reasons Action steps
organization
ISSUER OR SWITCH IS The end user can re-attempt to process
INOPERATIVE/ ACCOUNT NOT the transaction again / after some time. If
The Issuer Bank's systems are down /not
AVAILABLE the a/c gets debited please inform the
responding.
customer to contact the Issuer Bank.
ISSUER BANK IS INOPERATIVE Reversal should be within 5 days as per
RBI rules.

Certain services may not be offered by

the other Bank. e.g. Mini Statement is
Request the customer to contact the
not offered by some of the Banks and
INVALID TRANSACTION other Bank and verify if the requested
therefore the response for Mini
service is available
Statement Request is returned as "Invalid
Transaction".
Request the customer to contact the
Customer's Aadhaar number not linked
INVALID ACCOUNT other Bank and link their Aadhaar to the
to the account in the other Bank
Issuer Bank account
Any other bank in CLOSED ACCOUNT/ FROZEN The customer's account in the other Bank
Request the customer to contact the
which the customer is ACCOUNT may have been rendered inactive due to
other Bank and verify the status of the
holding account and DORMANT ACCOUNT a debit freeze or any similar action by the
account
on which the current DO NOT HONOR Bank
AePS transaction is The balance in the customer's account in The end user can re-attempt to process
being performed INSUFFICIENT FUNDS the other Bank is not sufficient for the the transaction again with a lesser
cash withdrawal. amount.
The amount entered results in exceeding
The end user can re-attempt to process
EXCEEDS WITHDRAWAL the total allowable withdrawal limit for
the transaction again with a lesser
AMOUNT LIMIT the day set by the Issuer Bank. This could
amount.
be different for each Bank.

The number of transactions performed

The end user can re attempt, else
EXCEEDS WITHDRAWAL on the customer's account has exceeded
attempt on next day for the same
FREQUENCY LIMIT the limit set by the Issuer Bank. This
account
could be different for each Bank.

The amount entered results in exceeding

The end user can re-attempt to process
AMOUNT ENTERED IS MORE the total allowable withdrawal limit for
the transaction again with a lesser
THAN WITHDRAWAL LIMIT the day set by the Issuer Bank. This could
amount.
be different for each Bank.

SOMETHING WENT WRONG.

Acquirer Bank (IPPB)
PLEASE TRY AGAIN AFTER
A bank which Technical issues in the IPPB systems / End-users may restart the Micro-ATM
SOMETIME.
facilitates customers Poor network connectivity device and re-login
UNABLE TO CONNECT
to access their
EXTERNAL SERVICES
accounts in ANY other
FORMAT ERROR The transaction is not processed due to
bank to perform AePS The end user can re-attempt to process
INVALID ENCRYPTION information sent by IPPB in an incorrect
transactions. the transaction again
INVALID PID XML FORMAT format to NPCI

ERROR CODE NOT DEFINED BY The end user can re-attempt to process
UIDAI & NOT PRESENT at NPCI. This is likely due to a technical issue with the transaction again. If the issue persists
NPCI or UIDAI. the customer may be advised to contact
UNKNOWN RESPONSE CODE
the Issuer Bank
FROM HOST
To ensure the correct Aadhaar
The customer's fingerprints does not
BIOMETRIC DATA DID NOT Information is entered and a different
match with the Aadhaar information with
MATCH finger may be used for providing the
UIDAI.
NPCI / UIDAI biometric
MISSING BIOMETRIC DATA
SPECIFIED IN USES
The End user may ask the customer to
The customer's fingerprints does not
AADHAAR SUSPENDED visit the nearest Aadhaar Enrollment
match with the Aadhaar information with
Center and check the biometric
AADHAAR NUMBER STATUS IS UIDAI.
information
LOST, DECEASED ETC. AND
CURRENTLY NOT ACTIVE.