Errores Codes (Payments)

Description

In the payment flows (Credit Transfer) of the Bre-B ecosystem, the MOL (Operating and Settlement Mechanism) may return statuses indicating acceptance, rejection, or exceptional processing conditions.

When a payment is rejected, either through Webhook events or when querying payments (Retrieve Payment or List Payments), the response structure is:

JSON
    
 
{    "error": {      "error_code": "B101",      "error_description": "Payment rejected by the MOL with code B101"    }
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error_code: Error code returned by the MOL
error_description: Detailed description of the error

Error Code Table

Error Code	Error Description
B001	Time-out declared by the Originating SPBVI
B002	Time-out declared by the Receiving SPBVI
B301	Time-out declared by the Originating SPBVI when querying a payment
B302	Time-out declared by the Receiving SPBVI when querying a payment
B101	Error in validations of the Receiving financial consumer’s account
B102	Invalid Receiving customer account number
B103	Incorrect Receiving customer identification
B104	Incorrect Receiving customer payment instrument type
B105	Receiving customer account does not exist
B106	Risk control triggered due to suspected fraud
B107	Exceeds the maximum amount for low-value deposits, ordinary deposits, or inclusive deposits
B108	Exceeds the SPBVI maximum amount
B109	Exceeds the Receiving Participant maximum amount

What is an SPBVI?

In Bre-B, SPBVI refers to system participants authorized to operate under the instant low-value payments scheme(i.e., participating regulated entities) that originate or receive transactions.

In practice:

Originating SPBVI: the participant (entity) that sends/initiates the payment.
Receiving SPBVI: the participant (entity) that receives the payment (where the beneficiary’s account/payment instrument is held).

Therefore, for time-out errors:

if it says “time-out declared by the Originating SPBVI”, the unavailability/latency is attributed to the originating participant side;
if it says “time-out declared by the Receiving SPBVI”, it is attributed to the receiving participant side.

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