The mandate has been created.
The mandate has been submitted to the banks, and should become active in a few days, unless the bank declines the request.
The mandate has been successfully set up by the customer's bank.
The mandate has become active again, after it was cancelled or expired. This can be due to the customer's bank wishing to undo a cancellation or expiry notice they sent, or because the mandate was successfully reinstated via the reinstate endpoint.
The mandate has been transferred to a different bank account. The event will include links[previous_customer_bank_account] and links[new_customer_bank_account], and the mandate may have been submitted again, depending on how the banks involved handled the transfer.
The mandate has been cancelled, either by the customer through their bank or this API, or automatically when their bank account is closed.
The mandate could not be set up, generally because the specified bank account does not accept Direct Debit payments or is closed.
No collection attempts were made against the mandate for over 13 months. As a result it has expired, and no further collections can be taken against it. If you wish to continue taking payments from this customer you should request their permission and use the reinstate endpoint.
A request to resubmit the mandate was made by the mandate reinstate endpoint.
The mandate was created through the API or by GoCardless (in the case of a bulk change).
The mandate has been submitted to the banks.
The time window after submission for the banks to refuse a mandate has ended without any errors being received, so this mandate is now active.
The mandate was cancelled either via an API call, or at the bank.
The mandate is being marked as expired, because no payments have been collected against it for the dormancy period of your Service User Number. You may use the mandate reinstation endpoint to attempt to set this mandate up again.
A request to resubmit a mandate was made via the mandate reinstate endpoint.
A cancelled mandate has been re-instated by the customer's bank.
The bank account for this mandate is closed. This can be from the customer bank account disable endpoint, or in a message from the banks, indicating that the account has been closed
The bank details used to set up this mandate were rejected.
The bank account specified does not support direct debit.
The customer's bank account was transferred to a different bank or building society. Depending on the bank the account is being transferred to, this may require the mandate to be resubmitted. If so, there will first be an event with action set to submitted, and details[cause] set to bank_account_transferred, followed by a standard mandate_activated event 2 days later, or potentially a failure event if the new bank rejects the mandate. Otherwise, there will just be a single event with action set to transferred, and details[cause] set to bank_account_transferred.
Very occasionally, the transfer message from the banks will not include details of the new bank account. In this case the mandate will fail (if it is being set up), or be cancelled (if it is active).
The customer disputes authorising the mandate.
The payment has been created.
The payment has been submitted to the banks. It will be a few days until it is collected, or fails.
The payment has been collected from the customer's bank account, and is now being held by GoCardless. It can take up to 5 working days for a payment to be collected, and will then be held for a short time before becoming paid_out.
The payment was cancelled.
The payment could not be collected, usually because the customer did not have sufficient funds available. GoCardless will not automatically retry the payment.
The customer asked their bank to refund the payment under the Direct Debit Guarantee, and it has been returned to the customer.
The customer's bank has cancelled the chargeback request. This is almost always at the request of the customer.
The payment has left GoCardless and has been sent to the creditor's bank account.
The payment was a late failure which had already been paid out, and has been debited from a payout.
The payment was charged back, having previously been paid out, and has been debited from a payout.
A request to resubmit the payment was made by the payment retry endpoint.
The payment was created through the API or by GoCardless (in the case of a subscription).
| Origin Consequences | | --- || ---- | ---- | ---- | | api Payment created | | gocardless Payment created |
Payment cancelled via an API call.
| Origin Consequences | | --- || ---- | ---- | ---- | | api Payment cancelled |
The payment has now been submitted to the banks, and cannot be cancelled
| Origin Consequences | | --- || ---- | ---- | ---- | | gocardless Payment submitted |
Either enough time has passed since the payment was submitted for the banks to return an error, so this payment is now confirmed, or a chargeback on this payment was cancelled by the banks.
| Origin | Scheme | Reason code Consequences |
|---|---|---|
| gocardless | - | - Payment confirmed |
| bank | bacs | DDICA-1 Payment chargeback cancelled |
| bank | bacs | DDICA-2 Payment chargeback cancelled |
| bank | bacs | DDICA-3 Payment chargeback cancelled |
| bank | bacs | DDICA-4 Payment chargeback cancelled |
| bank | bacs | DDICA-5 Payment chargeback cancelled |
| bank | bacs | DDICA-6 Payment chargeback cancelled |
| bank | bacs | DDICA-7 Payment chargeback cancelled |
| bank | bacs | DDICA-8 Payment chargeback cancelled |
The payment has been paid out by GoCardless.
| Origin Consequences | | --- || ---- | ---- | ---- | | gocardless Payment paid out |
A request to resubmit a payment was made via the payment retry endpoint.
| Origin Consequences | | --- || ---- | ---- | ---- | | api Payment resubmitted to banks in next batch |
The payment has been debited from a payout by GoCardless.
| Origin Consequences | | --- || ---- | ---- | ---- | | gocardless Payment settled against a payout.
The payment has been debited from a payout by GoCardless.
| Origin Consequences | | --- || ---- | ---- | ---- | | gocardless Payment settled against a payout.
In the sandbox environment, some SEPA payments will be marked as failed, to help with testing of your integration. This cause and reason code will never appear in the live environment.
| Origin | Scheme | Reason code Consequences |
|---|---|---|
| bank | sepa_core | TEST Payment failed |
| bank | sepa_cor1 | TEST Payment failed |
The customer did not have funds available to make the payment.
| Origin | Scheme | Reason code Consequences |
|---|---|---|
| bank | sepa_core | AM04 Payment failed |
| bank | sepa_cor1 | AM04 Payment failed |
The customer's bank wasn't able to pay the Direct Debit. For Bacs, this is almost always due to insufficient funds, but is occasionally used as a catch-all for other failures. For SEPA these codes are instead used to obfuscate the failure cause for privacy and other regulatory reasons.
| Origin | Scheme | Reason code Consequences |
|---|---|---|
| bank | bacs | ARUDD-0 Payment failed |
| bank | sepa_core | MS02 Payment failed |
| bank | sepa_core | MS03 Payment failed |
| bank | sepa_core | RR04 Payment failed |
| bank | sepa_core | SL01 Payment failed |
| bank | sepa_cor1 | MS02 Payment failed |
| bank | sepa_cor1 | MS03 Payment failed |
| bank | sepa_cor1 | RR04 Payment failed |
| bank | sepa_cor1 | SL01 Payment failed |
The customer's bank account was closed before the payment could be taken. The mandate will be cancelled.
| Origin | Scheme | Reason code Consequences |
|---|---|---|
| api | - | - Bank account disabled, payment cancelled |
| bank | bacs | ADDACS-2 Mandate cancelled, payment cancelled |
| bank | bacs | ADDACS-B Mandate cancelled, payment cancelled |
| bank | bacs | AUDDIS-2 Mandate failed, payment cancelled |
| bank | bacs | AUDDIS-B Mandate failed, payment cancelled |
| bank | bacs | ARUDD-2 Payment failed, mandate cancelled |
| bank | bacs | ARUDD-B Payment failed, mandate cancelled |
| bank | sepa_core | AC04 Payment failed, mandate cancelled |
| bank | sepa_core | MD07 Payment failed, mandate cancelled |
| bank | sepa_cor1 | AC04 Payment failed, mandate cancelled |
| bank | sepa_cor1 | MD07 Payment failed, mandate cancelled |
The customer's bank account does not allows direct debit payments. The mandate will also be cancelled.
| Origin | Scheme | Reason code Consequences |
|---|---|---|
| bank | bacs | AUDDIS-F Mandate failed, payment cancelled |
| bank | bacs | AUDDIS-G Mandate failed, payment cancelled |
| bank | bacs | AUDDIS-N Mandate failed, payment cancelled |
| bank | sepa_core | AC06 Payment failed, mandate cancelled |
| bank | sepa_core | AG01 Payment failed, mandate cancelled |
| bank | sepa_cor1 | AC06 Payment failed, mandate cancelled |
| bank | sepa_cor1 | AG01 Payment failed, mandate cancelled |
The bank account details used to set up the mandate for this payment were incorrect. The mandate will be cancelled.
| Origin | Scheme | Reason code Consequences |
|---|---|---|
| bank | bacs | ARUDD-5 Payment failed, mandate cancelled |
| bank | bacs | ARUDD-Y Payment failed, mandate cancelled |
| bank | bacs | AUDDIS-5 Mandate failed, payment cancelled |
| bank | sepa_core | AC01 Payment failed, mandate cancelled |
| bank | sepa_cor1 | AC01 Payment failed, mandate cancelled |
The customer has asked their bank to transfer the mandate for this payment to a new account, but this payment has been submitted to the old account. GoCardless will have automatically transferred the mandate to the new bank account if possible, so this payment can be retried unless the mandate has been cancelled.
| Origin | Scheme | Reason code Consequences |
|---|---|---|
| bank | bacs | ARUDD-3 Payment failed |
| bank | bacs | ADDACS-3 Mandate cancelled, payment cancelled |
| bank | bacs | ADDACS-C Mandate cancelled, payment cancelled |
| bank | bacs | AUDDIS-3 Mandate failed, payment cancelled |
| bank | bacs | AUDDIS-C Mandate failed, payment cancelled |
Either:
the mandate for this payment is being cancelled by an API call; or the payment failed using a code that indicated that the mandate has been cancelled; or the customer cancelled the mandate via their bank.
| Origin | Scheme | Reason code Consequences |
|---|---|---|
| api | - | - Payment cancelled, mandate cancelled |
| bank | bacs | ARUDD-1 Payment failed, mandate cancelled |
| bank | bacs | ADDACS-0 Mandate cancelled, payment cancelled |
| bank | bacs | ADDACS-1 Mandate cancelled, payment cancelled |
| bank | sepa_core | MD01 Payment failed, mandate cancelled |
| bank | sepa_cor1 | MD01 Payment failed, mandate cancelled |
| links[parent_event] will be the ID of the mandate cancellation event if the payment is being cancelled rather than failed. |
In SEPA, customers are entitled to a refund of payments they did not authorise within 13 months. In Bacs, there is no time limit on this entitlement.
| Origin | Scheme | Reason code Consequences |
|---|---|---|
| bank | bacs | ARUDD-4 Payment failed |
| bank | bacs | ARUDD-7 Payment failed |
| bank | bacs | ADDACS-D Mandate cancelled, payment cancelled |
| bank | bacs | DDICA-1 Payment charged back |
| bank | bacs | DDICA-2 Payment charged back |
| bank | bacs | DDICA-4 Payment charged back, mandate cancelled |
| bank | bacs | DDICA-5 Payment charged back, mandate cancelled |
| bank | bacs | DDICA-6 Payment charged back, mandate cancelled |
| bank | bacs | DDICA-8 Payment charged back, mandate cancelled |
| bank | sepa_core | MD01 Payment charged back |
| bank | sepa_cor1 | MD01 Payment charged back |
In SEPA, customers are entitled to a refund for authorised transactions within 8 weeks
| Origin | Scheme | Reason code Consequences |
|---|---|---|
| bank | sepa_core | MD06 Payment charged back |
| bank | sepa_cor1 | MD06 Payment charged back |
GoCardless has transferred the payout to the creditor's bank account. The details[cause] will always be payout_paid, and the details[origin] will be gocardless.
A refund has been created. The details[cause] will be payment_refunded, and the details[origin] will be api.
The refund has been paid to your customer. The details[cause] will be refund_paid, and the details[origin] will be gocardless.
The refund has been deducted from a payout. The details[cause] will be refund_settled, and the details[origin] will be gocardless.
The subscription has been created.
A payment has been created by this subscription.
This subscription has been cancelled. No further payments will be created.
The subscription was created through the API.
| Origin Consequences |
|---|
| api Subscription created |
The subscription was cancelled via the API.
| Origin Consequences |
|---|
| api Subscription cancelled |
The mandate for this subscription was cancelled by an API call, or at the customer's bank.
| Origin | Scheme | Reason code Consequences |
|---|---|---|
| api | - | Mandate cancelled, subscription cancelled |
| bank | bacs | ADDACS-0 Mandate cancelled, subscription cancelled |
| bank | bacs | ADDACS-1 Mandate cancelled, subscription cancelled |
| bank | bacs | ARUDD-1 Payment failed, subscription cancelled |
| bank | sepa_core | MD01 Payment failed, subscription cancelled |
| bank | sepa_cor1 | MD01 Payment failed, subscription cancelled |
The mandate for this subscription expired, because no payments have been collected against it for the dormancy period of your Service User Number. You may use the mandate reinstation endpoint to attempt to set this mandate up again.
| Origin Consequences | | --- || ---- | ---- | ---- | | gocardless Mandate expired, subscription cancelled |
The customer's bank account was closed by an API call, or at their bank.
| Origin | Scheme | Reason code Consequences |
|---|---|---|
| api | - | - Bank account disabled, subscription cancelled |
| bank | bacs | ADDACS-2 Mandate cancelled, subscription cancelled |
| bank | bacs | ADDACS-B Mandate cancelled, subscription cancelled |
| bank | bacs | AUDDIS-2 Mandate failed, subscription cancelled |
| bank | bacs | AUDDIS-B Mandate failed, subscription cancelled |
| bank | bacs | ARUDD-2 Payment failed, subscription cancelled |
| bank | bacs | ARUDD-B Payment failed, subscription cancelled |
| bank | sepa_core | AC04 Payment failed, subscription cancelled |
| bank | sepa_core | MD07 Payment failed, subscription cancelled |
| bank | sepa_cor1 | AC04 Payment failed, subscription cancelled |
| bank | sepa_cor1 | MD07 Payment failed, subscription cancelled |
The customer's bank account does not allows direct debit payments.
| Origin | Scheme | Reason code Consequences |
|---|---|---|
| bank | bacs | AUDDIS-F Mandate failed, subscription cancelled |
| bank | bacs | AUDDIS-G Mandate failed, subscription cancelled |
| bank | bacs | AUDDIS-N Mandate failed, subscription cancelled |
| bank | sepa_core | AC06 Payment failed, subscription cancelled |
| bank | sepa_core | AG01 Payment failed, subscription cancelled |
| bank | sepa_cor1 | AC06 Payment failed, subscription cancelled |
| bank | sepa_cor1 | AG01 Payment failed, subscription cancelled |
The bank account details used to set up the mandate for this subscription were incorrect.
| Origin | Scheme | Reason code Consequences |
|---|---|---|
| bank | bacs | ARUDD-5 Payment failed, subscription cancelled |
| bank | bacs | ARUDD-Y Payment failed, subscription cancelled |
| bank | bacs | AUDDIS-5 Mandate failed, subscription cancelled |
| bank | sepa_core | AC01 Payment failed, subscription cancelled |
| bank | sepa_cor1 | AC01 Payment failed, subscription cancelled |
The customer asked their bank to transfer this mandate to another account, but their bank failed to tell GoCardless the details of the new account, so the mandate has been cancelled.
| Origin | Scheme | Reason code Consequences |
|---|---|---|
| bank | bacs | ADDACS-3 Mandate cancelled, subscription cancelled |
| bank | bacs | ADDACS-C Mandate cancelled, subscription cancelled |
| bank | bacs | AUDDIS-3 Mandate failed, subscription cancelled |
| bank | bacs | AUDDIS-C Mandate failed, subscription cancelled |
The customer disputes authorising the mandate for this subscription.
| Origin | Scheme | Reason code Consequences |
|---|---|---|
| bank | bacs | ADDACS-D Mandate cancelled, subscription cancelled |
| bank | bacs | DDICA-3 Payment charged back, subscription cancelled |
| bank | bacs | DDICA-4 Payment charged back, subscription cancelled |
| bank | sepa_core | MD01 Payment charged back, subscription cancelled |
| bank | sepa_cor1 | MD01 Payment charged back, subscription cancelled |